Case Development Centre

Research & Consultancy > Case Development Centre

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The case studies are not peer-reviewed.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-2025-24
Publication Year: December 2025

Export Financing at India Bank (A)

Authors: Smita Roy Trivedi, smita@nibmindia.org

Rupa Jaisingh looked outside of her third-floor office, situated in the middle of Pune’s Tilak Road: it was raining since morning today and gloomy weather outside reflected her mood. She was heading this Trade Finance Centre for over a year now, and under her the forex business has …

Case Number: NIBM-CDC-2025-23
Publication Year: December 2025

Ambiguity in Drafting Documentary Requirements in A Standby Letter of Credit: When Services have no Transport Document

Authors: Rajesh Ramakrishnan, r.rajesh@nibmindia.org
Gargi Sanati

This case delves into a complex dispute between an issuing bank and a confirming bank over a hybrid standby letter of credit (SBLC). This unique financial instrument serves to secure payment obligations that span both the delivery of physical goods and the completion of services, as stipulated in the …

Case Number: NIBM-CDC-2025-22
Publication Year: December 2025

Technical Analysis on Equity Markets: Sumitomo Chemicals India Ltd.

Authors: Yashveer Singh Rawat, yashveer.singh@nibmindia.org
Smita Roy Trivedi

As Rupa Mansingh makes her way through the teeming hundreds entering the stately corporate office, she is in a daze. The early morning chaos, the metro crowd, the cacophony of commuters, as they fill into the ‘factory of finance' are all lost on her. Her mind remains on the …

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