Abstract
This study aids in comprehending the credit appraisal process used by Kotak Mahindra as well as the methods for lowering various parameters, which are broadly categorized as financial risk, business risk, industrial risk, and management risk related to making any loans, advances, or project financing. The research was analytically conducted. For this experiment, only secondary data were collected. Analysis work was done throughout the area using the data that was gathered. The following factors were discovered after this study's analysis, and they will be taken into account by banks when doing credit appraisals. They are the following: financial performance, business performance, industry outlook, management caliber, and account conduct. When considering the factor of financial performance, the operational and financial viability of the proposal were found. This study helps to know the credit appraisal process and understand the credit appraisal process and understand the operating and financial viability of the proposal in KOTAK MAHINDRA bank
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