• Dr. Komal Singh

Wheels of business cannot move without money. Availability of money is being limited and wants being unlimited. So procurement of fund is one of the important functions in commercial & non-commercial enterprises and its utilization for maximization of business profits. Bank is one of the important sources of working capital requirement through various facilities to the borrowers. The main objective of the paper is to study various types of working capital finance provided by banks and to know the detailed procedure of assessment of working capital finance extended by banks. The research method used in this study is descriptive. Primary data is collected through observation and discussion with the manager, the company profile and annual reports. Secondary data is extracted from old sanction proposals, RBI guidelines, reference books etc. This paper covers almost important aspect relating to assessment & follow up of working capital finance. After discussing the procedure followed by bank, for assessing working capital requirement case studies have been used with necessary data in the prescribed forms to demonstrate the calculable done by bank to arrive at maximum permissible bank finance.

Bank, working capital, lending, annual reports, proposal

"Analysis & Assessment of Working Capital Proposal", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 6, page no.710-731, June 2019, Available :http://www.jetir.org/papers/JETIR1906O99.pdf

"Analysis & Assessment of Working Capital Proposal", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 6, page no. pp710-731, June 2019, Available at : http://www.jetir.org/papers/JETIR1906O99.pdf