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PERFORMANCE AND CONTRIBUTION TO RETAIL LENDING BY RETAIL ASSETS CENTRAL PROCESSING CENTRE, TRIVANDRUM-AN EVALUATIVE STUDY ON THE TOPIC

Kaveya. P

Research Scholar, Department of Economics, University of Kerala, Trivandrum, Kerala, India.

Abstract


Since inception in the year 1955 from the Imperial Bank of India to the State Bank of India, the Bank enjoys supremacy in contributing credit to all sectors of the economy thereby participating prominently in the economic development. The Bank’s Loan policy for domestic lending aims at a profit with growth based on proper credit risk analysis and adequate system and control. The Bank has come out with optimal exposure levels to various categories of borrowers as per prudential exposure norms prescribed by RBI. As a measure for effective implementation of achieving expected growth in personal segment portfolio, Business Process Re-Engineering (BPR) was formulated by the Bank. The main objectives of BPR were to enhance the customer service level. One of the main parts of this BPR initiative is the formation of Retail Assets Central Processing Centre called by RACPC which covers Personal Segment Loans namely Housing, Education, Car, Mortgager, Personal and Reverse Mortgage loans. RACPC, Trivandrum centre was opened on 20th May 2006 headed by the Assistant General Manager. In the early stages, it was looking into the migration.

Keywords


business process re-engineering, reserve bank of india, business process re-engineering, retail assets central processing centre, deputy general manager, memorandum of undertakings, assistant general manager.

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To cite this article


Kaveya.P. (2020). Performance and Contribution to Retail Lending by Retail Assets Central Processing Centre, Trivandrum-An Evaluative Study on the Topic. Sparkling International Journal of Multidisciplinary Research Studies, 3(4), 17-29.

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