SUMMER INTERNSHIP PROJECT REPORT

In the partial fulfilment of the summer internship project of the

Masters Of Business Administration

Prepared By:
ANJANEYA DS
Register No.: 20222MBA0264
In
MANAPURAM FINANCE LTD

UNDER THE GUIDANCE OF

Dr. FARHAT ALI SYED
ASSOCIATE PROFESSOR

SCHOOL OF MANAGEMENT
Start Date: 07-08-2023End Date:04-09-2023

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 DECLARATION

I ANJANEYA DS hereby declare that this Internship report on “A study conducted at

MANAPURAM FINANCE Ltd.,” is prepared by me under the guidance of Dr.FARHAT
ALI SYED, School of Management, Presidency University.

I also declare that this Internship work is towards the partial fulfillment of the university
regulations for the award of Masters of Business Administration.

I have undergone an internship for a period of one month. I further declare that this report is
based on the original study undertaken by me.

Place: Bangalore Name ; Anjaneya ds

Date; Reg No;20222MBA0264

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 CERTIFICATE
This is to certify that Mr. ANJANEYA DS (Register No:20222MBA0264) has successfully
completed the project work titled “A STUDY OF RESEARCH ANALYST TO
M A N A P U R A M F I N A N C E . LTD.” for the fulfillment of the requirement of
PRESIDENCY UNIVERSITY for the award of Masters of Business Administration. This
research work was carried out by her and it is original in nature.

RESEARCHGUIDE

Dr. FARHAT ALI SYED

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 GUIDE CERTIFICATE

This is to certify that dissertation titled “A STUDY OF MANAPURAM FINANCE LTD”

is an original work of Mr. ANJANEYA DS bearing university Register Number:

20222MBA0264 and is being submitted in partial fulfillment for the award of the
Master of Business Administration of PRESIDENCY UNIVERSITY. The report has not
been submitted earlier either to this University / Institution for the fulfillment of the
requirement of a course of study.

Date: Dr. FARHAT ALI SYED

Place:Bengaluru SIGNATUREOFPROJECTGUIDE

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 ACKNOWLEDGEMENT

First and foremost , I thank almighty for keeping me hale and healthy for completing this project
successfully.
I thank my guider. Dr Farhat Ali Syed her guidance for this project, and I also thank Dr.
MJArul Dean-In-Charge…. School of Management, support. Guidance given by the Principal /
Director PROF.DR.KRISHNAKUMAR.K of school of management.
I would also like to thank Dr .Akila R Udupa HoD of MBA for her cooperation and guideance
in the entire project work.
My sincere gratitude to my external guide, Mr. Suhas Siddu (Branch Manager) for his support
and direction.
I think the respondents for their valuable insight and for dedicating their time to make this mini
project successful.
I am grateful to my parents and friends who have upheld me in their prayers and extended their
constant support for the completion of this mini project.

DATE ; ANJANEYA DS
PLACE ; BENGALORE (20222MBA0264)

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 TABLE OF CONTENT
SL PERTICULAR PG NO
NO
1 CHAPTER-1
 INTODUCTION 16
 BACK GROWND OF COMPANY 17

 GROWTH AND DEVELOPMENT OF COMPANY 17

18
 NATURE OF INDUSTRY
19
 GROWTH POTENTIAL

2 CHAPTER-2
 MARKET SHARE 20
 GOVERNMENT REGULATION 20

 VISION AND MISSION QUALITY POLICY 22

22
 PRODUCTS AND SERVICES
25
 PROMOTERS AND MANAGEMENT OF INDUSTRY

3 CHAPTER-3
 COMPITATORS 26
 AREA OF OPERATION 28

 ACHIEVEMENTS
29
30
 BOARD OF DIRECTORS
31
 ANALYSIS OF MCKINSEY 7’S FRAMEWORK

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 4 CHAPTER-4
 WHAT DO THEY DO IN COMPANY INTERSHIP
36
POSITON

 MY ROLE 37
 INTERSHIP SKILLS GAINED 44

 CONCLUSION 46

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Executive summary
Mana Puram Finance Ltd. was established in 1992 and has experienced
fast expansion. It currently employs more than 45,000 people and
operates more than 5000 branches (including branches of sister
enterprises) in 28 states and UTs. Its assets under management (AUM)
total Rs. 354.52 billion.

OBJCEIVE OF THE STUDY:

 To Know the overview of the organization
 To study the various functional department of the organization
 To analyse the performance of the organization through analysis of
McKinsey’s 7s model
 To offer necessary suggestions for the findings of the study.

SCOPE OF THE STUDY:

Scope of the study the organisational study has taken place in the mana
Puram ltd for the period of 30 days .the entire study carried out the
overall functional department of the organisation.

METHODOLOGY
It is widely acknowledged that the statistics determine whether a study is
successful or unsuccessful. Consequently, choosing a suitable
methodology for
The gathering of pertinent data is crucial. Both are included as
sources.sources, both primary and secondary.
MANAPURAM FINANCE LTD Page 13
PRIMARY DATA:
Primary data are those that are gathered by in-person interactions, such
as discussions with organizational management personnel and through
observation.
following's

 Communication with the staff.

 Interaction with individuals from various departments.
 The HR staff members delivered the presentation.
 By observing something.
 By talking with the other project participants.

SECONDARY DATA:
These are the information that is obtained indirectly. The
secondary service of the information includes the published
documents and other types of information.
Like
 Internet
 Company profile
 Journals company website
 Magazines and news paper

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LIMITATIONS OF STUDY:
 Employees' lack of coordination as a result of their hectic work
Schedules
 Organization fails to reveal sensitive information.

 Time limitations prevented me from doing a thorough analysis of

Organisation

 The study's main obstacles to completion are money and time.

 Unable to comprehend all of the organization's standard everyday

Operation

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Chapter 01
Introduction
History
In the Thrissur district, the late V. C. Padmanabhan began the business.
The company started operating in Valappad, focusing mostly on small-
scale money lending.
The group's primary business, MAGFIL, was founded in 1992 following
the Government of India's introduction of economic reforms.
Pawnbroking and small-scale loans made up the majority of its business.
Milestone Home Finance Company[5], based in Delhi, was purchased
by Mana Puram Finance in 2014, and the business was rebranded as
mana Puram Home Finance.[6] Mana Puram Finance bought Ashirwad
Microfinance, a microfinance organization established in Chennai, in
2015.[7]

Controversies
The public was forewarned by the Reserve Bank of India (RBI) not to
hold deposits with Manappuram Finance in February 2012.[8] In
response, the company declared that it would immediately address any
of the RBI's concerns and made the decision to form an impartial
committee with Jagdish Capoor (a former deputy governor of the RBI
and chairman of HDFC Bank) as its chairman to examine pertinent
elements of operations, systems, controls, and organizational structure,
including the makeup and effectiveness of the Board.[9]

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BACKGROUND OF COMPANY:
In the Thrissur area, the business was established in 1949 by the late V.
C. Padmanabhan. Beginning with extremely small-scale money lending,
the company's initial operations in Valappad focused mainly on that.
After the Indian government's economic reforms were put into motion,
the group's flagship company, MAGFIL, was founded in 1992

GROWTH AND DEVELOPMENT OF MANA PURAM FINANCE:

Our 5-year growth strategy is not just focused on financial results. It
includes how well we perform in terms of sustainability. Our business
profitability, brand success, and reputation are all impacted by our
sustainability efforts, therefore we'll keep working to improve our ESG
performance.

ENVIRONMENT SOCIAL
 usage of energyTalent management
 use of resourcesdiversity inclusion
 Waste community investment
 Environment-friendly behaviour social economic development

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NATURE OF INDUSTRY
Technological advancements: Mana Puram was one of the first cities to
use the "core banking" platform. Given that there was no ready-made
software for gold loans, unlike the banking industry, this was no small
accomplishment. It was only possible because the business spent in
creating its own unique solutions, and today, its technological foundation
is one of its main advantages. The use of advanced risk management
techniques, such as those that are detailed below, and the simplification
of processes to speed up the disbursal of gold loans are just two
examples of how the investment in technology has paid off.

product inventions: In terms of product innovations, Manappuram has

taken the lead. For a very long time, gold loans were offered as a "one-
size-fits-all" solution. The business was a pioneer in adding diversity to
it, for example, by providing progressively larger loan amounts at higher
pricing points. At a time when it was customary to recover a minimum
interest of seven days or even a month, it was also the first to propose
"one-day interest," which allows borrowers the choice to repay a gold
loan at their earliest convenience, even within a day

The introduction of short-term gold loans is the most recent innovation.

In the past, interest and principal repayments on all gold loans were
often made in one lump sum. Following the sharp decline in gold prices
in 2013, the profitability of gold lending companies suffered due to
rising default rates. Since Manappuram Finance Ltd. introduced short-
term gold loans with terms of three and six months, the majority of its
portfolio of gold loans has been moved into the short-term buckets. This
has reduced price risk, which is usually a significant concern with gold
loans.

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Innovative way to financing: In the 1990s, raising money for a non-
banking financial corporation (NBFC) was difficult. Following the CRB
scandal in 1997, it was challenging to solicit public deposits, and banks
were generally reluctant to lend to NBFCs. Additionally, Manappuram’ s
experiment with gold loans was an unproven business strategy. Early on,
growth was sluggish. Only until the business came up with creative
ways to raise money did the situation start to shift

The first innovation was when Manappuram, in collaboration with ICICI

Bank, became the first gold loan firm to obtain capital using the
securitization and assignment route. For a few years, the agreement with
ICICI Bank worked effectively, putting the business on the route to
expansion. Encouraged by the achievement, the business decided to
significantly expand its branch network. However, circa 2006, ICICI
Bank encountered significant regulatory challenges related to
securitization and was unable to continue financing the business. ICICI
Bank's withdrawal put the growth ambitions in peril.

GROWTH POTENTIAL
Earnings and sales growth at Manappuram Finance are anticipated to
increase by 10.6% and 14.6% year, respectively. Expected EPS growth
is 10.7%. In three years, the return on equity is expected to be 17.2

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CHAPTER 02

MARKET SHARE:
Target Price for Manappuram Finance Shares in Year 2023: $135-145;
2024: $170-190
2025 ₹240 - ₹270
2026 ₹355 - ₹375

G0VERNMENT REGULATION:
60 months is the maximum duration.
business.
Non-banking financial companies (NBFCs) are businesses that provide b
anking services but are not considered banks under the law.
They are governed by the RBI Act of 1934, as well as a number of suppl
emental circulars and recommendations the RBI has issued.

 problems do occur.

 Customers of an NBFC may receive interest rates as high as 12.5%

.

 For a minimum of 12 months, NBFCs can renew or accept public d

eposits, and the

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  NBFCs must obtain approval before starting or continuing a non-
banking financial institution's• NBFCs must follow certain
procedures before starting or continuing a non-bank financial
institution's operations.

 be in possession of a Certificate of Registration (COR) issued by

the RBI.

 NBFCs must have at least Rs. 2 crores in net owned funds (NOF),

 equivalent in other currencies.

 the RBI has established for different NBFC kinds

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VISION, MISSION & QUALITY POLICY
VISION
"Be the most dependable, globally diverse institution enhancing the lives
of the general public while giving back to society."

MISSION
"To create industry-leading, technology-enabled, customer-centric
enterprises while upholding the
strongest corporate governance standards and unwavering

PRODUCTS & SERVICES PROVIDED BY MANAPURAM

FINANCE

1. Microfinance: Manapura Finance offers microloans to help small-

scaleRural and semi-urban business owners and individuals. The
purpose of these loans is togroups.

2. International and domestic money transfers are available through

mana Puram Finance.
offered transfers by its branch network. Clients can send and receive
money.

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3. Foreign ExchangeServices: mana Puram Finance offers foreign
exchange services,such as travel cards, foreign exchange, and transfers
abroad. Both are served by them.
.

4. Insurance Services: mana Puram Finance provides insurance services

and insurance products, including general and life insurance. These
insurance policies offer protection against a range of hazards and
unforeseen circumstances, ensuring both personal and family financial
security

5. Wealth Management:To assist clients, Mana Puram Finance offers

wealth management services.
Families and individuals accumulate and protect their money. They
provide financial advise.financial planning, portfolio management, and
other specialized services.

6. Home Loans: mana Puram Finance additionally offers home loans to

assist people in achieving theirthe desire to purchase a home. Flexible
repayment alternatives are available for these loans, and
affordable interest rates.

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7. Vehicle Loans: Two-wheeler buyers can obtain vehicle loans from
mana Puram Finance.and other automobiles. These loans are intended to
offer simple funding solutions topeople for their transportation
requirements.

8. Small and Medium Enterprises (SME) Loans: Manapuram Finance

provides small and medium-sized businesses with financial asistance
through its SME loan services. These loans help businesses
obtain the working capital they require to expand their businesses

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PROMOTERS AND MANAGEMENT:

The CEO and Managing Director is Mr. V.P. Nandakumar.

Mr. V.P. Nandakumar holds postgraduate degrees in science and banking
and foreign trade in addition to his science degrees. He joined the former
Nedungadi Bank Limited as soon as his studies was complete. In 1986,
after his father, V.C. Padmanabhan, passed away, he left the bank to take
over the family business. He helped to advance Manappuram Finance
Ltd. in 1992, and he has served as a director of the business ever since.
Mr. Nandakumar has previously held a variety of positions with
prestigious trade and industry organizations including ASSOCHAM and
CII. He now serves as the Co-Chair of the FICCI Kerala State Council.

Executive Director Dr. Sumitha Nandan

At Manappuram Finance Ltd. in the past, Dr. Sumitha Nandan served in
a number of senior positions, including that of Chief senior Officer of
Online Gold Loan (OGL). She has been a director for Manapuram
Health Care Limited the entire time. Aside from Macrae Dental Care
Private Limited, she had also served as a director for Manappuram
Home Finance Limited, Manapuram Argo Farms Limited, Systemic
Ayurvedic Research Private Limited, and Macrae Dental Care Private
Limited.

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CHAPTER 03

COMPETITORS
the rivals of Mana Puram Finance, a well-known Indian NBFC that
specializes in gold loans and other financial services. some of its
principal rivals

1. Muthoot Finance: One other notable NBFC in India is Muthoot

Finance.
focuses exclusively on gold loans. It has a nationwide network of
branches that it runs, andoffers a range of monetary services.

2. Bajaj FinServ: Based in India, Bajaj FinServ is a diversified financial

services firm thatoffers a variety of goods, such as personal loans, gold
loans, property loans, andmore. It has a large foothold in the NBFC
industry

3. IIFL Finance: The renowned IIFL Finance (previously India Infoline

Finance Limited)
Gold loans, home loans, personal loans, and other financial products are
all offered by this NBFC. Ithas a significant presence

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4. Capital First: An NBFC that offers a range of financial services,
including gold loans, CapitalzFirsthaszmerged with IDFC Bank to
become IDFC First Bank. It serves both retail and business clients.

5. Federal Bank: An Indian private sector institution that also provides

gold loans is Federal Bank.
vast range of banking and financial services are available from bank. It
passes by a branch.network that is nationwide.

6. HDFC Bank: One of India's top private sector banks, HDFC Bank
offers a variety of financial services.
several different financial services. Along with other banking and
financial services, it offers gold loans.products.

7. Kotak Mahindra Bank: A major private sector bank that competes

in India
Kotak Mahindra Bank is partnered with Mamapuram Finance. various
banking and financial service

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AREA OF OPERATION

 Mana Puram Finance is a well-known non-banking financial

company (NBFC) in India that specialized

 in giving out gold loans. The company was founded by . VP

NANDAKUMAR and is based in Kochi,

 Kerala, India. The company has expanded and is now present in more

 besides the United States, United Kingdom, and United Arab

Emirates, there are more than 29 Indian states.

 UAE and other countries. The supply of is the main activity of

Muthoot Finance.

 Gold jewellery is used as collateral for gold loans. The company also
offers further

 including insurance, money transfers, currency exchange, and other

financial products and services.

 The massive branch network of mana Puram Finance includes 4,500

locations throughout India.

 network, which employs more than 30,000 people in total

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ACHIEVEMENTS

1.  mana Puram Finance is ranked as India’s No. 1 Most Trusted

Financial Services Brand for
the year 2022, as per the TRA’s Brand Trust Report.

2. The highest short term credit rating of A1+ from ICRA was first
obtained by Manappuram Finance Ltd. in Kerala. It made history
in 2010 when it became the first NBFC with a presence in Kerala
to provide ESOPs (Employee Stock Option Plans) to its middle
and senior management staff.

3. The $300 million Manappuram bond offering was the first of its
kind to be listed on the Singapore Stock Exchange. aggregate net
profit

4. Economic times names mana Puram finance ltd.as the largest

wealth creator of 2019(in its list of et500companies.

5. Mr V.P.Nandakumar,MD CEO,was among the 16finalists at the

prestigious Ernst young entrepreneur of the year

6. Awarded best nbfc for golf loan business by India bullion jewellery
association {LBJA]Mumbai on march 16

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 7. Awarded jurys special commendation at the golden peacock

8. awards for CSR acquired the Chennai based MFL

BOARD OF DIRECTORS:

SL NO NAME DESIGNATION

1 Mr jagdish capoor chairman

2 Mr vp Nandakumar managing director

3 Mr BN Raveendra Executive
babu

4 Adv V R independent director

Ramachandran

5 Mr p manomohanan independent director

6 Mr Shailesh j Mehta independent director

7 Mr E A Kshirsagar independent director

8 Mr V R Rajiven independent director

9 Dr Amla Samanta independent director

10 Mr Gautam Narayan independent director

ANALYSIS OF MANAPURAM FINANCE ON MCKINSEY 7’S

FRAMEWORK:
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The McKinsey 7s Model focuses on the interdependence of the "Soft Ss"
and "Hard Ss" parts, suggesting that changing one element might have a
cascading effect on the other elements and disrupt the effective balance.
The "center" being "Shared Values" illustrates how important it is to
consider how changes in founder values will affect the other factors.

The McKinsey 7S Model's structure

The "Hard Ss" components are comprised of Structure, Strategy, and
Systems as a whole, whereas the remaining components are referred to
as "Soft Ss."

1. Composition

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A company's organizational structure, or the chain of command and
accountability links that make up its organizational chart, is known as its
structure.

2. Strategy
A well-crafted business plan known as a strategy enables an organization
to create a plan of action to attain a long-term competitive advantage
that is supported by the mission and values of the organization.

3. Systems
The business and technological foundation of the organization that
establishes workflows and the chain of command are referred to as
systems.

4 Skills
A company's capabilities and competencies, which enable its people to
accomplish its goals, are formed by its skills.

5. Style
Through their contacts and symbolic decision-making, senior employees
in a firm build a code of behaviour that shapes the management style of
its leaders.

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6. Staff
Personnel decisions made by the organization include talent
management and all human resources, including training, hiring, and
incentive programs.

7. Common Values
Every organization's mission, goals, and values serve as its cornerstone
and are crucial in bringing all essential components into harmony and
preserving an efficient organizational structure.

Use of the McKinsey 7S Model

The subjectivity around the idea of alignment in relation to the seven
main elements is one of the reasons why this model's application looks
to be challenging. However, a top-down approach is advised,
encompassing everything from broad strategy and agreed values to style
and staff.

Step1 Determine the areas that are not properly aligned in step one.
Are the values, strategy, structure, and systems consistent? Look for
holes and contradictions in the way the pieces are connected. What
should be alternative

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Step 2: Select the ideal organizational structure
The ideas of senior management should be combined to develop a
general, ideal organizational structure that would enable the business to
set goals and objectives that are both attainable

Step 3: Determine where and what modifications need to be done.

The plan of action, which will involve implementing tangible changes to
the reporting relationships, communication channels, and hierarchy, can
be developed once the outliers have been identified. The business will be
able to develop an effective organizational structure thanks to it.

Step 4: Make the required alterations

The company's ability to genuinely achieve its goals depends on how the
decision strategy is implemented. Several obstacles must be overcome
during the implementation process, and the best way to do this is with a
well-thought-out implementation plan.

The Model's benefits

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  It makes it possible for the many divisions of an organization to
function in unison and in "sync."
 The impact of changes to important components may be effectively
tracked thanks to it.
 Given that many companies have used the model over time, it is
regarded as an old theory.

Issues with the Model

 As a long-term model, it is regarded as such.
 We don't yet know how the model will adjust to the shifting nature
of businesses.
 It appears to rely on internal variables and procedures, which may
be problematic when an organization is influenced by external
causes

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CHAPTER 04

INFORMATION ABOUT THE INTERSHIP POSITON

When I was an internship with Mana Puramfinance worked in the staff

sector and was mostly in charge of completing various tasks assigned by
the company and pitching consumers on various products.
my primary goal in Mana Puram Finance and was all about the clients
Bringing clients and being required to explain the rules. My place in
thecompany more accountable and difficult since I must facilitate the
and converse with the customer.

Some of responsibilities that I performed during internship

 were focusing on benefits rather than the product's qualities.

 I gained knowledge on how to interact and communicate with

customers.

 Before attempting to sell a customer on a product, ascertain what they

require.

 Concentrate just on a specific audience.

MANAPURAM FINANCE LTD Page 36

 PRODUCTS THAT WORKING IN DURING INTERNSHIP

1 PLEGES
 The loan is determined by the gold's weight, purity, and current
MARKET PRICE

 The borrower attests to having carefully read and comprehended

the various schemes provided by the company, and on the basis of
that, the borrower has requested or chosen to take out a loan under
the relevant scheme (with the applicable interest rates) as specified
in the pawn ticket.

 The borrower attests that any fixed stones in the pledged gold
ornaments or goods, if any, have no market value and that the gold
ornaments or things in question are the borrower's sole and
undivided possession, free and clear of any encumbrances.

 The borrower is responsible for paying the loan's appropriate

incidental fees as well as interest at the rate stated in the pawn
ticket. When interest is not paid at regular intervals of one month,
it must be compounded every month. The outstanding balance will
be subject to 365-day annual interest calculations. The Company
shall have the right to assess overdue interest @3% p.a. on the
amount of the loan plus interest in default beyond the expiration of
the loan period, as defined in the pawn ticket, if the loan is not
repaid on demand within the loan tenure, as specified in the pawn

MANAPURAM FINANCE LTD Page 37

 ticket. From the date of the loan until the account is closed, both
dates inclusive, interest will be due

 The Company may, in its sole discretion, surrender the pledged

gold of the borrower after fulfilment of the required procedures
and subject to payment of processing fees, as may be applicable
from time to time, if the borrower fails to present the pawn ticket at
the time of settlement.

 The loan's duration is defined in the pawn ticket, and the borrower
must repay the loan in full, including interest, on or before the end
of that period of time, starting on the day of disbursement.
However, the borrower will have the choice to pay the principal
loan amount, interest, and any other incidental fees that may be
associated with the loan at any time during its term. Similar to this,
the Company may have the option to further extend the loan's term
for such periods, but not for a duration longer than one year from
the loan's distribution date. Additionally, the borrower may make
partial principle or interest payments.

 The Company's liability shall be restricted to replacing any

pledged Gold lost due to theft, burglary, or other causes while in its
possession with replacement Gold of similar net weight as
specified in the loan application form or pawn tickets

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2 REALSE
 We can see firstthere should be person in pawn tickets is there
photo

 The amount should be return in backside and cash should be pied

in cash counter

 The amount should be paid are not see in back with branch seal
and amount should be return by tokening by cashier

 The ogl pawn tickets also records the data and time of the
transaction and the id number of the system through which the
customer has transacted.

 This documents is required for realising the gold from the branch
after settlement of all dude.

 Customer can cheque there gold and put weight once again there
gold should we loss are not

MANAPURAM FINANCE LTD Page 39

3INTERST
The best mana Puram gold loan rate per gram is 3800to4350 for 22carat
gold; measured at a maximum 75%loan to value, and the average gold
price for the last one month for 22carat is 3800 to 4350 the interest rate
ranges from 7 percent to 29percent,
Schmoe which are involved by customer
Schmoeinterstate amount
DS 1 75000
SX 2.06 80000
SY 1.80 90000
TMA1 1.83 100100
TMA2 1.75 200100
TMA4 1.58 400000 Above
TMA5 1.16 500000 Above
TMA6 0.9 1000000 Above

4 EXTRA AMOUNT
 First we see the net weight of total gold in the column

 Put a calculation of what is gold rate in that day

MANAPURAM FINANCE LTD Page 40

 The amount should be came are not came we tell to customer and
give the amount
EX:15.1*3750=56625
15.1*4100=61910
Customer can get a extra amount 5285.

5 part payment
 Some of customer can came and put a his principal amount less like
100000 they make part payment when customer have amount

 Because much principal amount make large interestso they make part
payment to make less principal amount

 Next the customer scheme also change

6 Making a new customer documentation required

 Proof of identity-passport voter’sDrivinglicense, pan card
.
 Proof of Residence-Driving License. Passport Aadhar card.

7 Online gold loan (ogl)

 First login with customer id with password

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 There should be show in the part payment opinion

 There should be show how many days are in paid inters and How
much should be came in 30days also

 There should be also show there total realise amount with make
Payment also

 There should be also show in repledge also done with the help of

8 REPLEGE
 The company should be maintain a 90days for repledge

 Repledge means it should change there pawn tickets with the 90 days
what is gold rate in that day with the done with repledge

 Some of the time is same amount for repledgebecause gold rate less

 Some of time gold rate high extra amount should also taken by
customer

 It should be helpful customer for some of time change there scheme .

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 9 CASHCOUNTER

 The cashier should be carefully in see the pledgesit should be

That person are not

 The cashier should be carefully in receivingmoney and giving

Money2,3,times counting

 The cahier should be write leger in debit side what amount

Should be paid in customer and receiving money in credit side
 The cashier should be carefully in realise pawn ticket there
Should be sign in customer pawn ticket and office copy

 The cashier should be maintain there cash dynamo carefully

 In any cash counter problem they only response in any cash salat age

 In branch there is ten lakhs above they deposit bank

 Cashier should be maintain there daily records like interestbill, any

transaction are made in day put in one side

 The bh abh should verified by daily transactions in one time in a

month

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 INTERSHIP EXPERIENCE AND SKILLS GAINED

Being given the chance and privilege to internship at mana Puram was
excellent. I can only thank mana puram finance for providing me with
the excellent opportunity to work with their company.

Although internships are a terrific learning experience, we still need to

persuade customers.

It was a challenging duty given to us to take policies from the

organization, and we have toencourage the customers to purchase
something, yet we have no expertise doing so.We can discover more
about the organization and its operationsI learned how challenging
customer service is. It's impossible to please everyone. I also discovered
during my internship that I should never be afraid ofasking inquiries, I
asked inquiries and received answer having learnedMy leadership and
communication abilities had greatly improved. meetings with a variety
of senior executives from various departments and former, productive
employees will increase awareness of the insurance sector and how each
department functions.a customer's concerns and help you convince them
to make a purchase from you.

The whole working experience there was undoubtedly excellent. striving

to improve mana PuramInsurance has given me a lot of marketing
experience in bothactual items and immaterial ideas. Despite the fact
that it sounds quite inspiring.My internship is teaching me about the
functions andoperations of cooperatives.

MANAPURAM FINANCE LTD Page 44

Divisions and subdivisions are effective and promote the development of
interpersonal skills. As well helps me understand how employees really
lookcan build a strong professional foundation with the aid of an
internship. I'll learn new skills that will be useful to me latercan build a
strong professional foundation with the aid of an internship. I'll learn
new skills that will be useful to me later. Additionally, it will teach me
how to have reasonable expectations and still deliver exceptional value
to an employer, all of whichwill enable me to begin a prosperous career.
I discovered that customer support is
challenging. It is challenging to satisfy everyone all the time.

Some of the skills I have learned

 Communication skills
 Time management
 Team work
 Presenting skills

CONCLUSION

MANAPURAM FINANCE LTD Page 45

In conclusion, the analysis of current trends and practices in gold loans
at Manapuram Finance Ltd. Has provided valuable insights. It is evident
that the company has adapted well to changing market dynamics,
emphasizing digitalization, customer-centric approaches, and risk
management, The findings suggest a promising outlook for the
company’s continued growth in the housing finance sector. However,
there is room for further innovation and enhancement in area like
expanding product offerings and optimizing operational efficiency. This
internship experience has been a valuable learning opportunity, and I
look forward to applying the knowledge gained to contributed to
evolving gold loan finance industry.

An analysis of current trends and practices in housing loans at

Manapuram Finance ltd reveals a strong focus on providing accessible
and customized finance solution to a diverse customer base. The
company appears to be adopting to evolving market demands by
incorporating digital solutions and maintaining transparency in its
process. However, continuous monitoring and adaptation to market
dynamics will be essential to ensure the sustainability and growth of
their manapuram loan offerings in the future.

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