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Find professionals and candidates java developerZeal Vora

Zeal Vora

MBA Intern

Talent

Vadodara, GujaratMember since September 20, 2026

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About

Project Title: Financing SME's: A study on SME Loan Accessibility and Challenges

Experience

MBA Intern - Bank Of Baroda

Project Title: Financing SME's: A study on SME Loan Accessibility and Challenges

Secondary data analysis existing study on SME financing, government schemes, RBI/Ministry of MSME
Analyze reason for loan approval
Identify trends and key barriers
Gained knowledge of the structure and importance of SMEs in the Indian economy
Studied credit schemes like CGTMSE, Mudra yojana, and their real world impact
Understood credit evaluation methods, risk assessment and documentation procedures
Credit Risk Appraisal: Studying the end-to-end underwriting process and how banks mitigate default risk
Working Capital Management: Analyzing how MSMEs manage Cash Credit (CC) and Overdraft (OD) limits
Spreading of financial statements (Balance Sheets, P&L) and calculating key ratios like Debt-Equity, Current Ratio, and DSCR (Debt Service Coverage Ratio)
Understanding UDAYAM Portal and GST Compliances For MSME
Checking the 5 C's of credit: Character, Capacity, Capital, Collateral, and Conditions
Analyzing 3 years of audited financials to assess the business's health using the MPBF (Maximum Permissible Bank Finance) method

Education

X - GBSE (2019-05)

XII - Commerce - GBSE (2021-05)

B.com - Accounts - Gujarat university (2024-05)

MBA - Finance & Marketing - ICFAI Business School, Jaipur (2026-02)

MBA - Finance & Marketing - ICFAI Business School, Jaipur (2026-02)

MBA - Finance & Marketing - ICFAI Business School, Jaipur (2026-02)

MBA - Finance & Marketing - ICFAI Business School, Jaipur (2026-02)

MBA - Finance & Marketing - ICFAI Business School, Jaipur (2026-02)

Skills

MBA Intern

Reviews

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