A Study on Credit Guarantee Mechanism at NABSanrakshan Trustee Private Limited

Abstract

The title of this internship report is “A Study on Credit Guarantee Mechanism at NABSanrakshan Trustee Private Limited.” It presents an account of my internship experience at NABSanrakshan Trustee Private Limited (NTPL), a wholly owned subsidiary of NABARD, which is entrusted with the management of credit guarantee funds sponsored by NABARD and the Government of India. The organization plays a vital role in reducing lending risks for banks and encouraging institutional credit flow to agriculture, allied sectors, and rural enterprises. This report provides a detailed overview of the various activities I was involved in during the internship. My work included client data management, preparation of financial dashboards using Excel, Power BI, and Tableau, and reviewing credit guarantee applications and renewal cases. A significant contribution was my participation in User Acceptance Testing (UAT) for the newly developed NTPL digital portal. The portal is designed to simplify processes for both Eligible Lending Institutions (ELIs) and NTPL users (Maker, Checker, Approver), ensuring faster, more transparent, and technology-driven operations. Through this internship, I gained valuable exposure to the credit guarantee mechanism and its operational cycle-from ELI registration and application submission to guarantee issuance, claim settlement, and renewals. I also participated in awareness initiatives and internal discussions, which helped me understand how NTPL collaborates with government bodies, banks to promote schemes such as FPO, AHD, and FIDF. This hands-on learning helped me bridge theoretical finance concepts with real world applications in development banking. Understand the esteemed guidance of my faculty mentor. Dr. Vinod Nair, I was able to connect academic learning with practical experience. The internship enhanced my technical proficiency in financial tools improved my understanding of government-backed policy implementation, and strengthened my communication and reporting skills. This executive summary serves as a preview of the detailed insights, activities, and learning documented in subsequent chapters of this report. It highlights the significance of an internship at NABSanrakshan Trustee Private Limited, where exposure to both finance and digital transformation provided an enriching and transformative experience for my professional growth.