---
title: "AYUSH SHARMA - Banking Intern – Retail Agriculture & MSME (RAM) in Hamirpur | Tal"
description: "Meet AYUSH SHARMA, MBA Finance Candidate | Banking Intern @ Punjab National Bank | Credit Analysis | Financial Analysis | Excel | Tally Prime | Aspiring Financial Analyst based in Hamirpur."
image: "https://tal.club/meet/ayush-sharma-3/share-image"
---

# AYUSH SHARMA on Tal

## Headline

MBA Finance Candidate \| Banking Intern @ Punjab National Bank \| Credit Analysis \| Financial Analysis \| Excel \| Tally Prime \| Aspiring Financial Analyst

## About

I am an MBA Finance student at Shoolini University with a strong interest in banking, credit analysis, and financial decision\-making\. During my internship at Punjab National Bank, I worked on loan processing, credit analysis, document verification, and retail lending in the RAM department\. I also gained practical experience using financial documents such as ITRs, bank statements, and CIBIL reports\. Previously, I completed an accounting internship under a Chartered Accountant where I worked on journal entries, GST, ledger management, bank reconciliation, and Tally Prime\. I am seeking opportunities in Financial Analysis, Credit Risk, FP&A, Banking, and Business Analytics\.

## Location

Hamirpur

## Work experience

Banking Intern – Retail Agriculture & MSME \(RAM\) at PUNJAB NATIONAL BANK, Jun 2026 \- Present · 3 mos, Mall Road Solan, Himachal Pradesh, India, Banking Intern – Retail Agriculture & MSME \(RAM\) • Assisted in processing Home Loans, Car Loans, Personal Loans, Education Loans, Home Loan Top\-Up, and Takeover Loan cases\. • Analysed CIBIL reports, ITRs, bank statements, income documents, employment details, and repayment capacity to assess loan eligibility\. • Prepared loan proposals and sanction notes, verified customer and property documents, and ensured compliance with PNB lending policies\. • Worked extensively on the PNB LENS portal to create customer profiles, process loan applications, and prepare proposals for approval\. • Conducted financial statement verification using UDIN and reviewed audit reports under Section 44AB\. • Performed cross\-checking of sanctioned loan files, identified documentation gaps, and coordinated account activation after loan sanction\. • Updated and cleaned retail, agriculture, and MSME loan data in Excel using VLOOKUP, Data Validation, and other functions to improve reporting accuracy\. • Assisted in evaluating repayment capacity, existing liabilities, credit history, and risk factors while recommending suitable loan amounts\.

Accounting Intern at Chartered Accountant, May 2024 \- Jul 2024 · 3 mos, Assisted the finance team in preparing journal entries and supporting monthly closing activities\. Reconciled 20\+ bank and ledger accounts monthly, ensuring zero unresolved discrepancies at month\-end\. Processed 100\+ financial transactions weekly using Tally Prime, maintaining 100% accuracy in records\. Organized and maintained financial records for 3\-month period, supporting timely monthly close\. Ensured accurate maintenance of accounting records and financial data\.

## Education

Master of Business Administration \- MBA, Finance, Shoolini University

Diploma in Computerized Accounting & Business Processes, Lord Shiva Institute

[View the original profile](https://tal.club/meet/ayush-sharma-3)

```json
{
  "@context": "https://schema.org",
  "@graph": [
    {
      "@type": "Person",
      "@id": "https://tal.club/meet/ayush-sharma-3#person",
      "name": "AYUSH SHARMA",
      "url": "https://tal.club/meet/ayush-sharma-3",
      "image": "https://tal.club/meet/ayush-sharma-3/profile-photo.jpg",
      "description": "Meet AYUSH SHARMA, MBA Finance Candidate | Banking Intern @ Punjab National Bank | Credit Analysis | Financial Analysis | Excel | Tally Prime | Aspiring Financial Analyst based in Hamirpur.",
      "jobTitle": "Banking Intern – Retail Agriculture & MSME (RAM)",
      "worksFor": {
        "@type": "Organization",
        "name": "PUNJAB NATIONAL BANK"
      },
      "hasOccupation": {
        "@type": "Occupation",
        "name": "Banking Intern – Retail Agriculture & MSME (RAM)"
      },
      "homeLocation": {
        "@type": "Place",
        "name": "Hamirpur"
      },
      "alumniOf": [
        {
          "@type": "EducationalOrganization",
          "name": "Shoolini University"
        },
        {
          "@type": "EducationalOrganization",
          "name": "Lord Shiva Institute"
        }
      ],
      "mainEntityOfPage": {
        "@id": "https://tal.club/meet/ayush-sharma-3#webpage"
      }
    },
    {
      "@type": "ProfilePage",
      "@id": "https://tal.club/meet/ayush-sharma-3#webpage",
      "url": "https://tal.club/meet/ayush-sharma-3",
      "name": "AYUSH SHARMA on Tal",
      "description": "Meet AYUSH SHARMA, MBA Finance Candidate | Banking Intern @ Punjab National Bank | Credit Analysis | Financial Analysis | Excel | Tally Prime | Aspiring Financial Analyst based in Hamirpur.",
      "dateModified": "2026-08-22T07:18:19.188Z",
      "isPartOf": {
        "@id": "https://tal.club/#website"
      },
      "mainEntity": {
        "@id": "https://tal.club/meet/ayush-sharma-3#person"
      },
      "primaryImageOfPage": {
        "@type": "ImageObject",
        "url": "https://tal.club/meet/ayush-sharma-3/profile-photo.jpg",
        "contentUrl": "https://tal.club/meet/ayush-sharma-3/profile-photo.jpg",
        "caption": "AYUSH SHARMA profile photo on Tal"
      },
      "inLanguage": "en-IN"
    }
  ]
}
```