Case Development Centre

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The use of case studies has been integral to the pedagogic approach in training and teaching curriculums at NIBM. The Institute has a history of development and publication of case studies in various areas of banking and finance. Case studies have been developed on both an institutional basis as well as the self-driven activity of faculty. The Case Development Centre (CDC) at the Institute is facilitating case development by faculty to address the changing perspectives and challenges of the banking and finance industry.

The case studies are not peer-reviewed. NIBM cases are developed solely as the basis for class discussion. Cases are not intended to serve as endorsements, sources of primary data, or illustrations of effective or ineffective management. This publication may not be digitized, photocopied, or otherwise reproduced, posted, or transmitted, without the permission of the National Institute of Bank Management, Pune. To order copies or request permission to reproduce materials, write to Dr Naveen Kumar K, Convenor, Case Development Centre: cdc@nibmindia.org

Case Number: NIBM-CDC-2025-21
Publication Year: October 2025

Credit Appraisal of Eastern Agro Exports Private Limited

Authors: M Manickaraj, manick@nibmindia.org
Akhil Babbar

This case focuses on the credit appraisal of Eastern Agro Exports Private Limited, a major exporter of halal meat and agro products seeking renewal and enhancement of working capital limits from Coastal Bank Ltd. The company’s strong market position is offset by high working capital intensity, rising leverage, and …

Case Number: NIBM-CDC-2025-20
Publication Year: October 2025

Al-Safa Meatex Pvt. Ltd.: Developing a Financial Model for Credit Appraisal

Authors: M Manickaraj, manick@nibmindia.org
Akhil Babbar

In July 2024, the Corporate Credit Division of National Commercial Bank (NCB) launched an initiative to standardize credit appraisal models for large export-oriented clients. The goal was to ensure greater consistency in how borrower data was analyzed and presented across regional and branch offices. The existing practice of using …

Case Number: NIBM-CDC-2025-19
Publication Year: June 2025

The Digitalisation Dilemma: Can ‘Bob World’ Bounce Back?

Authors: Smita Roy Trivedi, smita@nibmindia.org

In October 2023, Reserve Bank of India directed Bank of Baroda to suspend ‘with immediate effect’ the onboarding of customers on its mobile app 'Bob World' (The Economic Times, 2023a). This move sent shock waves across the industry: Bank of Baroda was not only a leading public sector bank …

Case Number: NIBM-CDC-2025-18
Publication Year: May 2025

Risk vs. Opportunity: Credit Evaluation of JP Flour Mills

Authors: M Manickaraj, manick@nibmindia.org
Shovan Sengupta

As the morning sun filtered through the blinds of his office, Adesh Jain, a seasoned credit officer at Eastern Commerce Bank (ECB), reviewed the latest proposal that had landed on his desk. JP Flour Mills Pvt. Ltd., a long-standing client of the bank, had approached the Silchar Branch for …

Case Number: NIBM-CDC-2024-17
Publication Year: October 2024

National Steel and Agro Industries Ltd.

Authors: M Manickaraj, manick@nibmindia.org
Aadesh Gwal

Mr. Umesh, the head of Corporate Banking branch of Universal Bank’s (UB) Indore Branch, had received a request from National Steel and Agro Industries Ltd (National Steel), a long-time customer, for renewal of working capital facilities. UB was the leader of a consortium of 11 banks and hence Umesh …

Case Number: NIBM-CDC-2024-16
Publication Year: October 2024

Case on Mahesh Industries

Authors: M Manickaraj, manick@nibmindia.org
Shristi Shinde

It was 10:30 am on February 2, 2024, when Vaishali, the seasoned senior manager at Commercial Bank’s main branch in Pune reviewed her day’s agenda, aware of the looming end-of-quarter targets. Rajesh, a diligent member of the credit team, walked in and said, "Vaishali Ma'am, this is the loan …

Case Number: NIBM-CDC-2024-15
Publication Year: October 2024

Akash Enterprises: A Case on Credit Risk Scoring of Small Value Loans

Authors: M Manickaraj, manick@nibmindia.org
Shristi Shinde

It was 10 am on January 22, 2024, when Mr. Ranjeet, the head of Commercial Bank's Shivaji Nagar Branch in Pune, was pondering over the business targets for the branch. He was concerned about having to achieve all the targets before the end of March. One of the targets …

Case Number: NIBM-CDC-2024-14
Publication Year: June 2024

Lessons from the Winsome Case: Early Warnings for the Gems and Jewellery Sector

Authors: Smita Roy Trivedi, smita@nibmindia.org

We understand that banks are seriously contemplating action against Company, Mr. Jatin Mehta and present directors (other than Nominee director) for suspected fraud and diversion of funds. The Board takes this opportunity to assure members that the company and directors have acted bona fide, in good faith … that …

Case Number: NIBM-CDC-2023-13
Publication Year: November 2023

The Banker’s Predicament – A Study In Compliance Backed Decision Making- Saawann Global Industries Ltd.

Authors: Rajesh Ramakrishnan, r.rajesh@nibmindia.org
Smita Roy Trivedi

The case is written by Rajesh Ramakrishnan and Smita Roy Trivedi for the purpose for classroom discussion. The author does not want to illustrate either effective or ineffective handling of a managerial situation. The data for the case is available in public domain. The authors have no conflict of …

Case Number: NIBM-CDC-2023-12
Publication Year: October 2023

Strategic Decisions – Driving Competitive Advantage at SBI

Authors: Kaushik Mukherjee, kaushikmukerjee@nibmindia.org
Purushottam Bedekar

“The Indian banking system remains sound and healthy, with strong capital and liquidity positions, improving asset quality, better provisioning coverage along with improved profitability,” Reserve Bank of India Governor Shaktikanta Das had said in his policy statement in April, 2023. While there is considerable improvement in the performance of …

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