The Bank was facing long delays in its processing credit proposals originated at different levels. Proposal clearances were slow. PNB was losing good proposals and failing to meet targets. To tackle this, the Bank used Microsoft Office and Natural Technologies’ solution, based on ASP and SQL Server. A web-based application Proposal tracking System helped the Bank to create a uniform proposal format, track the status of each proposal, speed up the clearance process and meet targets. Employees use Word to create the proposals, while loan appraisal was done using MS Office. The Bank now has an end-to-end solution based on Microsoft technologies to monitor and track Credit Proposal and meet the business requirements.