Overall Working Capital Management of SBT


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Overall Working Capital Management of SBT (Final Project Report)

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Page Length : 76

Executive Summary

Finance is said to be ‘the science of money’. Finance implies funds necessary for carrying on the activities of an organization. The funds include;

  • Fixed capital for procuring fixed assets, i.e., plant, machinery, building, tools and
  • Working capital for procuring raw materials, payment of wages, overhead etc.

Working capital (WC) is a financial metric which represents available to a business, organization or other entity, including governmental entity. Working capital may be regarded as the lifeblood of a business firm. Along with fixed assets such as plant and equipment, working capital is considered a part of operating capital. Working capital refers to firm’s investment in short term assets such as  cash, short term securities, amount receivables, inventories of raw materials,  work in progress and finished goods. There might not be many business firms in the world where, besides investment in fixed assets, funds would not be needed for carrying on day-to-day operations of the business. It can also be regarded as that portion of the firm’s total capital that is employed in short term operations.  It refers to all aspects of current assets and current liabilities. Net working capital is calculated as If current assets are less than current liabilities; an entity has a working capital deficiency, also called a working capital deficit.

Technically, Working capital management is an integral part of the financial management. Decisions relating to working capital and short term financing are referred to as working capital management. The financial manager must determine the optimum level of working capital funds and also the optimum composition of current assets and current liabilities. He must ensure that the appropriate sources of funds are used to finance working capital and also see that short term liabilities of the business are met well in time. The goal of working capital management is to ensure that the firm is able to continue its operations and that it has sufficient cash flow to satisfy both maturing short-term debt and upcoming operational expenses.

A firm may exist without making profits but cannot survive without liquidity. A firm not making profits may be treated as sick but one having no liquidity may soon meet with its downfall and ultimate die. Working capital has thus become a basic and broad measure of judging the performance of a business firm.

State Bank of Travancore (SBT) is a subsidiary of the State Bank Group and also has private shareholders. In 1960, it became a subsidiary of State Bank of India under the SBI Subsidiary Banks Act 1959, enacted by the Parliament of India. It is the premier bank of Kerala, India. Where it has 777 branches spread over 16 Indian States. It provide services in the areas of Investment banking, Consumer banking, Commercial Banking, Retail banking, Private banking, Asset management, Pensions, mortgages etc.,

This project is undertaken to study the present mode of working capital management and utilization in SBT. Main objective of this study is to suggest optimization and improvisation strategies, if any to represent mode of working capital management.


  • Chapter I
    • Introduction
      • Statement of the problem
      • Scope and significance of the study
      • Objectives of the study
      • Methodology of the study
      • Period of the study
      • Limitations of the study
  • Chapter II
    • State bank of Travancore
      • A profile
    • Origin and development
    • Organization structure
  • Chapter III
    • Review of literature
    • Working capital
      • Concepts of working capital
      • Working capital management
      • Excess or inadequate working capital
      • Importance of working capital management
      • Working capital financing policy: three approaches
  • Chapter IV
    • Data analysis
    • Liquidity ratios
    • Profitability ratios
    • Efficiency or assets management ratios
  • Chapter V
    • Findings
    • Suggestions
    • Conclusions
  • Bibliography
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Product Name

Overall Working Capital Management of SBT

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418 KB

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College, Semester, University

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Created By

Indian Institute of Computer Application (IITCA)

Uploaded By

Roop Chandra




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