MBA
Finance
The study titled “Loan Disbursement Process with reference to Yes Bank Limited” critically examines the efficiency, regulatory compliance, customer service, and technological integration within the loan disbursement framework of Yes Bank over the period from 2021 to 2025. This research focuses on understanding how the bank has streamlined its processes in response to evolving market dynamics, regulatory reforms by the Reserve Bank of India (RBI), and the increasing demand for digital lending solutions. By analyzing primary data from bank records and customer feedback, along with secondary data from financial reports and industry publications, the study evaluates key parameters such as application turnaround time, documentation accuracy, credit appraisal mechanisms, and risk mitigation practices. Findings indicate that Yes Bank has progressively enhanced its loan processing capabilities through automation, risk‐based pricing models, and improved customer engagement platforms, contributing to reduced processing delays and enhanced satisfaction levels. Notable challenges identified include balancing credit quality with portfolio growth, managing non-performing assets (NPAs), and aligning traditional evaluation methods with innovative fintech tools. The research concludes with strategic recommendations for optimizing operational efficiency, strengthening internal controls, and leveraging advanced analytics to reinforce Yes Bank’s competitive position in retail and corporate lending while ensuring sustainable credit growth.
• To study the existing loan disbursement process followed by Yes Bank Limited during the period from 2021 to 2025.
• To analyse the time, procedures, and documentation involved in the loan disbursement process.
• To examine the role of digitalization and technology in improving the efficiency of loan disbursement.
• To evaluate the effectiveness of internal controls and compliance with RBI guidelines in the loan disbursement process.
• To identify the key challenges and areas for improvement in the loan disbursement process of Yes Bank Limited.