Points to Remember While Writing a Report Difference Between ? Vocabulary to be Used When Describing a Special Occasion How to encourage people around you? Vijaya bank project report 1. Project Title “CREDIT APPRAISAL FOR BUSINESS LOANS” Summer Training Project Report submitted in partial fulfillment of the requirements for the Diploma of Post Graduate Diploma in Management (Financial Services) At.
Campioni omaggio da ricevere GRATIS! Scopri come richiedere omaggi e campioncini di cosmetici, profumi, detersivi e tanto altro! Questo sito utilizza cookie di 'terze parti', ossia cookie installati da un sito diverso tramite il sito che si sta visitando. Institute of Management & Research, Jalgaon INDEX SR. CHAPTER 1 TOPIC COMPANY PROFILE 1.1 Introduction of HDFC bank 1.2 History of HDFC bank 1.3 Management of HDFC bank 1.4 Milestone CHAPTER 2 PROJECT INTRODUCTION 2.1 Project. With over 30 course sessions to choose from in 2014. ManagementParadise.com - India’s largest Online MBA Management Project Download for Students and Professionals. Download & Upload all your MBA Finance Projects, MBA Finance Project Reports, Financial Reports Project for free. India. Overview of Foreign Investment Climate India is widely recognized for its sizeable and growing domestic market, high economic growth rates, large English- speaking population, and stable democratic government, making it one of the top five destinations worldwide for foreign investment. However, entering the Indian market presents challenges. The World Bank ranks India 1. With many policies and their implementation decentralized at state and local levels, investors should be prepared to face conditions that vary among India's 2. Economic reforms and major infrastructure projects generally move slowly. India prides itself on its rule of law, but its courts have cases backlogged for years. Businesses identify governance issues and lack of transparency as persistent obstacles. India has a strong cultural and historical preference toward self reliance – and a corresponding tendency toward protection of domestic industry despite a trend of liberalization in some sectors. Indian conglomerates and high technology companies have gained sophistication and prominence on the world stage. Indian industrial sectors such as information technology, telecommunications, and biotechnology are widely recognized for their innovation and competitiveness in the global market. The country’s entertainment industry, renewable energy, travel and tourism, textile and clothing manufacturing, automobile components, pharmaceuticals, and gems and jewelry sectors are also gaining prominence for their quality, price, and innovation. Foreign investors can invest in India via two routes: the “automatic route” and the “government route”. Under the “automatic route,” the foreign investor or Indian company does not require approval from the relevant sector (e. Reserve Bank of India (RBI) of its investment. Under the “government route,” prior approval is required (e. The rules regulating government approval for investment in selected sectors vary from industry to industry and frequently change. The approving entity also varies depending on the applicant and the product: -- The Ministry of Commerce and Industry’s (MOCI) Department of Industrial Policy and Promotion (DIPP) oversees single- brand product retailing proposals, as well as proposals made by Non- Resident Indians (NRIs), and Overseas Corporate Bodies (OCBs). An OCB is a company, partnership firm, or other corporate entity that is at least 6. NRIs, including overseas trusts.- - The MOCI’s Department of Commerce oversees proposals from export- oriented units (i. India abroad).- - The Ministry of Finance’s Foreign Investment Protection Board (FIPB) oversees all other applications. Recent changes in FDI policy tend toward greater liberalization. Industrial policy reforms continue to reduce industrial licensing requirements, remove restrictions on expansion, and facilitate easy access to foreign technology and FDI. While existing joint ventures face restrictions, new joint ventures are finding it easier to negotiate their own business terms. A local firm’s ability to restrict its foreign partner’s business strategy has been reduced, but exit strategies and dissolution procedures for existing joint ventures remain uncertain. FDI policy is governed by the Foreign Exchange Management Act 1. RBI. Details on current caps and procedures are available in a comprehensive policy document released by DIPP in October 2. FDI. According to MOCI, if a company with foreign investment is majority- owned or controlled by resident Indians, the company is authorized “downstream” investment without the transaction counting towards FDI caps in the receiving entity or sector. In contrast, downstream investment by a foreign- owned and foreign- controlled entity counts pro- rata towards FDI caps. Importantly, the GOI no longer differentiates between portfolio and direct investment in calculating foreign ownership. As a result, several large firms, particularly banks that have low FDI but high foreign portfolio holding now find themselves in possible breach of foreign ownership limits. Under this definition, India’s two largest banks, ICICI Bank and HDFC Bank, may soon become foreign banks. Foreign investors hold 7. ICICI and 6. 4 percent in HDFC. MOCI maintains that ICICI and HDFC Bank have violated the norms governing FDI in the country; however, banking analysts say the rules are confusing. Foreign investment is prohibited in many areas or subsectors such as: agriculture, real estate, multi- brand retailing, legal services, security services, atomic energy, railway transport, gambling, casinos, lotteries, cigars, cigarettes and tobacco substitutes, and trading in transferable development rights. In July, the GOI released discussion papers on FDI in the defense and multi- brand retail services sectors for public comment. The retail paper suggests lifting the ban on FDI in multi- brand retail, and the defense paper proposes increasing the cap on defense FDI from 2. The timeline for such changes remains unclear. The GOI’s privatization and disinvestment policy permits foreign investors to bid on the sale of state- owned enterprises. Foreign investors are given national treatment at the time of initial investment. Obligations and local content requirements are imposed on foreign investors in certain consumer goods industries. Existing foreign as well as domestic companies can also use the automatic route for additional FDI, provided the sector falls under the automatic route. These companies need to notify the relevant authorities of their expansion plans and must use funds from abroad rather than funds leveraged from the domestic market. The Indian company’s Board of Directors must approve such investments. Sector- Specific Guidelines for FDI in key industries- - Advertising and Film: One hundred percent FDI via the automatic route is allowed in the advertising and film industries, which includes film production, exhibition, and distribution, and related services and products.- - Agriculture: No FDI is permitted in farming except tea plantations. Foreigners are not authorized to own farmland. FDI in agriculture- related activities like the seed industry, floriculture, horticulture, animal husbandry, aquaculture, fish farming, and cultivation of vegetables and mushrooms is permitted without limits under the automatic route. For tea plantations, 1. FDI is allowed via the government route. However, there is a compulsory divestment of 2. Indian partner or potential Indian investors within five years from the date FDI enters the country. In other plantation sectors, no FDI is allowed.- - Airport Infrastructure: One hundred percent FDI is allowed in greenfield projects through the automatic route. FDI up to 7. 4 percent is allowed in existing projects through the automatic route; greater than 7. FIPB approval. Foreign companies can own up to 7. FDI in excess of 4. NRIs are allowed 1. FDI in ground- handling services. One hundred percent FDI is allowed through the automatic route for maintenance and repair operations, flight training institutes, and technical training institutes.- - Airport Transport Services: FDI is limited to 4. For non- scheduled, chartered, cargo airlines, the FDI limit is 7. For helicopter and seaplane services, 1. FDI is allowed on automatic approval (meaning FIPB is not involved) but requires formal approval by the Directorate General of Civil Aviation. NRIs may own 1. 00 percent of a domestic airline. Although frequently debated, India has yet to open its state- run international airlines to outside investment. The U. S.- India “Open Skies” agreement, signed in April 2. U. S. No portfolio investments are allowed. Where any individual investment exceeds 1. Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2. Automobiles: No FDI caps, local content requirements, or export obligations apply. FDI in automobile manufacturing is allowed under the automatic approval route.- - Banking: Aggregate foreign investment (from all sources) in all private banks is capped at 7. For state- owned banks, the foreign ownership limit is percent. There are four distinct ways foreign investors can enter the Indian banking sector. The first is by a foreign bank establishing a branch in India. A second alternative is to establish a wholly owned subsidiary. Foreign banks are permitted to have either branches or subsidiaries but not both. A third and least likely method is for a foreign entity to acquire an ailing bank. However, the RBI has yet to authorize this type of transaction. Lastly, foreign institutional investors (FII) can invest in a bank up to 1. FII is a foreign bank/bank group. Voting rights in private banks and state owned banks are currently capped at 1. The Banking Regulation (Amendment) bill, which would align voting rights in private banks with shareholding, continues to be with a committee in Parliament and has yet to be introduced.- - Broadcasting: Foreign investment (including, FDI, NRI persons of Indian origin and portfolio investment) is limited to 2. Ministry of Information and Broadcasting. For direct- to- home broadcasting, foreign investment from all sources is limited to 4. FDI component of 2. NRI and/or portfolio investment, again via the government route. In satellite broadcasting, foreign investment (FDI, NRI, persons of Indian origin and portfolio investment) is limited to 4. TV channels, irrespective of ownership or management control, have to up- link from India provided they comply with the broadcast code issued by the Ministry of Information and Broadcasting. FDI is limited to 2. India. One hundred percent FDI is permitted in entertainment and general interest channels. FDI up to 4. 9 percent is permitted with prior approval of the government for establishing up- linking HUB/Teleports.- - Business Services: One hundred percent FDI is allowed under the automatic route in data processing, software development, and computer consultancy services.
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