Bank of Maharashtra is a major public sector bank in India. Government of India holds 87.01% of the total shares. The bank has 15 million customers across the length and breadth of the country served through more than 1800 branches. It has largest network of branches by any public sector bank in the state of Maharashtra. This research paper explored the procedure related to credit appraisal process of Bank of Maharashtra, analysis of loan proposals and steps for sanction of loans.