PROJECT REPORT

ON
SECURATIZATION OF VIJAYA BANK
BACHELOR OF MANAGEMENT STUDIES

SEMESTER V
2016-17
In Partial Fulfillment of the requirement for the award
of Degree of Bachelor in MANAGEMENT STUDIES
Submitted By
Barkha Shyam Valecha
Roll no.52
Under the Guidance of:
Prof .Vanita Adnani

Seva Sadan College of Arts, Science and Commerce

Affiliated to University of Mumbai
Ulhasnagar - 421 003

SEVA SADAN COLLEGE

CERTIFICATE

This is to certify that Mr. / Ms. BARKHA SHYAM VALECHA bearing

the Roll No.52 of TY BMS - Sem -V for the Academic Year 2016-17 has duly
completed the project on SECURATIZATION OF VIJAYA BANK

The project has been completed under the Guidance of Prof. Vanita Adnani

Dr.R.L. Kolhe
(PRINCIPAL)

PROJECT GUIDE

Prof. Sunetra Pawar

(CO-ORDINATOR)

EXTERNAL EXAMINER

Date :-

DECLARATION

I, Mr. Barkha Shyam Valecha student of Bachelor of

Management Studies hereby declare that I have completed the project on
SECURATIZATION OF VIJAYA BANK
.
The information submitted in this project is true and original
to the best of my knowledge.

Signature of the student

Date :-

DECLARATION

I, Prof Vanita Adnani. The project guide of student Barkha

Shyam Valecha , Roll. No.52 , of Bachelor of Management Studies
hereby declare that have completed the project on SECUTATIZATION
OF VIJAYA BANK
The information submitted in this project is true and original
to the best of my knowledge.

Signature of Guide

ACKNOWLEDGEMENT
I would like to express my sincere gratitude and thanks to all my
teachers and guide who helped me to build the project with their
knowledge, experience and co-operation thanks to Principal
Dr.R.L.KOLHE
I consider in debt ness in myself & very fortunate towards my guide
Prof. Vanita Adnani
I would like to express my sincere thanks for her/his constant motivation
timely guidelines, critical suggestions co-operation that helped me in
overcoming various theoretical as well as practical problems
encountered in my project.
I am sincerely expressing my gratitude towards to my parents, other
family members, friends for their moral support & encouragement to
complete my project successfully.

Executive Summary
Securitization is the financial practice of pooling various types of contractual debt, such as
residential mortgages, commercial mortgages, auto loans, or credit card debt obligations, and
selling said consolidated debt as pass-through securities, or collateralized mortgage obligation
(CMOs) to various investors. The cash collected from the financial instruments underlying the
security is paid to the various investors who had advance money for that right. Securities backed
by residential mortgage receivables are called residential- mortgage-backed securities (RMBS),
while those backed by other types of receivablesare asset-backed securities (ABS). This report
tries to study the trend of securitization in India since past 11 years by looking at the data from
the rating agencies. It also gives suggestion about the future of securitization in India.There may
be some scope for improvement but serious efforts have been put into to get the best results.

Objectives
Securitization in India:
Trend of Securitization in India.

Sectorial Analysis in Securitization.

Prospects and Problems faced by securitization in India

Evolution of Securitization

Research Methodology:
Since the study undertaken by me is related to the study of Securitization in India, the
means adopted for collection of various facts and data were in the form of personal observation,
officials documents, and directly interacting with the officers concerned and also directly
interacting with the existing customers as well as new customer formed. It was an exploratory
research. Work is mainly emphasized on the primary data. Primary data are gathered form
prescribed questionnaire and by personal interview and the secondary data are collected from
different books and magazines.

Sources of Data collection

There are two sources of data collection. They are:
1.

PRIMARY DATA SOURCE

2.

SECONDARY DATA SOURCE

The secondary data are those, which have already been collected by someone else thorough
Books, Internet, Television, journals, Magazines, etc. On the other hand primary data does not
exist here. The researcher has to gather primary data afresh for the specific study undertaken by
him. Primary data has been collected here by questionnaire method and personal interview
method is followed. Primary sources such as Interviews, Observation, and attending training and
development classes. Secondary sources such as Booklets, Monthly journal, Magazines, Official
files etc.

INDEX
SR.N
O
1.

PARTICUALRS

CHAPTER I

PAGE NO.
1-15

INTRODUCTION OF SECURITIZATION
HISTORY OF SECURITIZATION
PARTIES INVOLED IN
SECURITZATION
UNDERSTANDING RISK IN
SECURITTZATION
ASSETS

2.

CHAPTER II

16-32

LEGAL ISSUES
STAMP DUTY
RATING PROCESS

3.

CHAPTER III

33-43

INTRODUCTION TO VIJAYA BANK

HISTORY
4.

CHAPTER IV
FINDING & ANALYSIS

44-53

5.

CHAPTER V
Conclusion
BIBLOGRAPHY
ANNEXURE

54-56