The author expresses deep gratitude to several people who provided guidance and support during their research work. This includes their college guide, the principal and faculty at their institution who provided necessary facilities. The author also thanks industry guides from Canara Bank and Bank of Baroda for their guidance during the project. Fellow faculty members and dear friends are also thanked for their cooperation and help. Finally, the author expresses their utmost respect and gratitude to their parents for their encouragement, blessing and sacrifice, without which completing their course would not have been possible.
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Acknowledgement 111
The author expresses deep gratitude to several people who provided guidance and support during their research work. This includes their college guide, the principal and faculty at their institution who provided necessary facilities. The author also thanks industry guides from Canara Bank and Bank of Baroda for their guidance during the project. Fellow faculty members and dear friends are also thanked for their cooperation and help. Finally, the author expresses their utmost respect and gratitude to their parents for their encouragement, blessing and sacrifice, without which completing their course would not have been possible.
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ACKNOWLEDGEMENT
I have an enormous pleasure in expressing my deepest sense of gratitude and
humble indebtedness towards my college guide Mr. D. R. Vahoniya, Assistant Professor, International Agri-business Management Institute, AAU, Anand for his steadfast inspiration, expert guidance, painstaking efforts and keen abiding interest during the entire research work. With profound respect, I extend my gratitude to Dr. G. B. Valand, Ex-Principal, International Agri-Business Management Institute and P. R. Vaishnav, Principal, International Agri- Business Management Institute AAU Anand for providing necessary facilities during the project work. Indeed the words at my command are not adequate, either in the form of spirit, to convey the depth of my feeling of gratitude to industry guide Mr. N. S. Ramchandra, (Senior Manager) AF & FI Section, Bangalore Rural C.O., Bangalore, Canara Bank and Mr. Mukesh Sharma, Lead District Manager, Bank of Baroda for their scholastic guidance, constructive criticism, constant encouragement and pertinent suggestions in planning and execution of this project. I feel imperative to express my sincere thanks for the generous help received from Associate Professor Dr. R. S. Pundir, Assistant Professor, Mr. Y. A. Lad, Dr. Sanjiv Kumar, Dr. Mahesh R. Prajapati, Mr. T. S. Shibin, Dr. Shaktiranjan Panigrahy and Dr. Ritambhra Singh International Agri-Business Management Institute, AAU, Anand for their kind co-operation and valuable help during the project work. I am very thankful towards my dear friends Ms. Deval Soni, Ms. Khushali Shah, Ms. Jinita Vadiwala, Ms Jishna Patel, Mr. Nimesh Patel, Mr. Shashank Jain, Mr. Biren Patel, Mr. Pravin Dadmal, Mr. Dhaval Padhiyar, Mr. Ketan Sargara, Mr. Kishor Kumar Yadav and all my unforgettable batch mates and lovely juniors. At the last but not the least, I think that the words are insufficient to express deep sense of feeling and respect towards my parents, without their encouragement, blessing and benediction it would not be possible to me to complete this course. Their patience and sacrifice always have been the vital source of inspiration for me.