Dessertation Report

7/18/2019 Dessertation Report

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INTRODUCTION OF HOME LOAN

Home loans work like any other debt. That is, loans are simply specific money that

we borrow from a bank, a private lender, or some other type of lender. Afterwards, we

must repay our debts with interest. However, unlike other types of loans, home loans

are different in several respects .owning a piece of loans provider in the market.

There are different types of home loan i.e.

1. Home purchase Loans

2. Home Improvement Loans

3. Home Etension Loans

4. Home E!uity Loans

". Land purchase Loans

Home purchase loas! These are the basic #orms of home loans used for purchasing

of a new home. $ith about a million home lenders and mortgage brokers it%s

becoming a challenge as the days are progressing. &ut at the same time , $hen the

sites are coming up with all the latest tools and relevant information for us, and with

all such conveniences, obtaining a home purchase loan or mortgage has become really

pretty simple.

Home "mpro#eme$ loa! Home improvement loans are used to finance

improvements and add on to the eisting set of credentials of beauty on your owned

house, recently purchased property or rented accommodation. Home improvement

loans are used to maintain or enhance the value of your house.

Home cos$ruc$"o loa! Home construction loans are used to finance for the

construction of our newly ac!uired home or if we are planning to build a home.

The factors include in calculations for house building costs'

• (esign of the house

• )onstruction cost

• #inance cost

• &uilding site

All the above mentioned cost will help us to determine the amount we may need to

borrow. #or eample, besides calculating the construction costs, we may also be

re!uired to consider the total ependitures to develop the site in order to build.

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Home e%$"c$"o loa!

Home etension loans are used by customer to get loans from the banks to etend

their houses, by adding more rooms, kitchen, wash rooms, terraces, or any other

rooms for your growing family. It may also used be used to enclose open balcony*

terrace space, or constructing a pu+aghar. aimum amount of home Etension

Loans-

&anks generally offer about /01"2 of the total amount of home etension as loan.

Home e&u"$' loa-

Home e!uity loans helps customer to encash the market value of the commodity by

taking a loan by mortgaging the property. 3o home e!uity loans are availed by

customers, who wish to mortgage his* her property to the bank for taking some loans

for some other purchase. Then, it%s up to the banks discretion to consider the market

value of the property and accordingly decides how much to pay to the customer.

&oth the residential as well as non0residential property can be considered for the

approval of the loan, provided the mortgager is a licensed title holder and the land is

free from any kind of dispute.

Home e!uity loans don%t restrict one to use the loan money in specific investment .It

might also be used in marriage, higher education, medical epenses, etc. However it

should not be used in any illegal or speculation purpose.

La( purchase loa!

Land purchase loans are used by customer who wish to purchase a plot of land for

commercial or residential purpose. Everyone has his*her dream perfectly sketched in

his souls and so is his ambition to get houses erected on the eact location he dreamt

that to be. If you have found and shortlisted the piece of land, and have arrived here

for finance, you have come to the best place you could have arrived in the web.

O)ER)IE* OF THE INDU+TR,

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The banking sector is considered the most lucrative option in today%s +ob market. In

the industry, a position in Treasury or fore is considered right on top and this is

followed by careers in private banking, Investment banking and retail banking. 4ne

could work in a variety of areas in banking industry including recurring deposit

HI+TOR,

&anking in India has long and elaborate history of more than 5// years. As a result,

the public sector banks began eperiencing numerous positive changes and enormous

growth. The Indian banking system can be classified into nationali6ed banks, private

banks and speciali6ed banking institutions. The industry is highly fragmented with 7/

banking units contributing to almost "/2 of deposit and 8/2 of advances .The

reserve bank of India is the foremost monitoring body in the Indian financial sector. It

is a centrali6ed body that monitors discrepancies and shortcomings in the system.

&roker who works for institutional investors are often called securities traders. any

prefer to work as dealers, advisers and securities analysts. 3ecurity analysts are those

who advise companies on floatation%s of shares as they are epected to have sound

knowledge of capital markets.

Investment analysts are the backbone of the financial services sector. They study thefinancial reports of companies, assess various statistical information, profitability

pro+ections, compare financial results, survey, the industry as a whole and on the basis

of the available information, and finally conclude to a decision.

-RO*TH!

9esearch and arkets has announced the addition of Indian retail banking, 5//8% to

their offering , Indian retail banking continues to redefine the credit growth in the

country. It grew by a whopping ::.:2 in 5//"0/8 to touch 9s 7,"71 billion. This leap

was despite the increase in the risk weight by 9&I for housing and real estate loans

during august, 5//". Housing ,which constitutes more than "52 of all retail loans,

grew at a robust rate of ::.7"2 during 5//" 0/8. In order to help banks in India to

understand the market and competition and plan future strategies, we have +ust come

out with an Industry insight on Indian retail banking 05//8 edition.

3



#inally, it seems reserve bank of India%s ;9&I< flurry of measures to restrain the home

finance market is paying off. $ith tightening of interest rates by the 9&I and a

simultaneous increase in real estate prices in a few markets , the banking sector is

witnessing a decline in the growth of its home loan portfolio.

The home loan industry is eperiencing a growth of 5" 2 this year%s 7/2 growth in

home loans earlier. 9a+iv 3abharwal, senior general manager, I)I)I bank, which has

recorded the highest incremental growth in home finance segment in recent past ,

said, = The real estate prices have become very high in few markets, which has

resulted in the fall in growth rates for home loans for the banking industry. Home

loan growth has reduced to 5"2 from its earlier growth rate at 7/2 and since we are

an integral part of the industry, there will be some impact on us too.>

Echoing a similar view, a senior official of

3tate bank is a leading home lender of the country with about 7/2 market share.

9etail Lending comprises /2 of the total loan portfolio of the bank , of which the

home loan lending is about "/2 .In the first half of fiscal 5//, the bank eperienced

total home loan disbursement of 93 ?7, :// crore.

INTRODUCTION OF UN/A0 NATIONAL 0AN

4



HI+TOR,!UN/A0 NATIONAL 0AN

(omestic division, the foreign offices division , the foreign department and

international services division of the India was established by Lala lapa$ Ra" the

pre0 Independences India in ?1@" in un+ab, with Lahore as its head office .Today it is

the second largest public sector bank in India .It was nationalised in ?@8@ along with

?7 other ma+or commercial banks. The rivati6ation started in ?@1@ when 7/ per cent

of its shares were offered to the public and it was listed on the stock echange. In

?@@5, B& become the first hilippine bank to reach p?// billion in assets. Later that

year, privati6ation continued with a second public offering of its shares.

In August 5//", B& $as fully privati6ed. The +oint sale by the hilippine

government and the Lucio Tan Croup of the 82 stake in B& was completed within

the third !uarter of 5//". The Lucio Tan Croup eercised its right to match the p

:7. per share bid offered by a competitor and purchased the shares owned by the

government. The )ompletion of sale is epected to speed up the development of

B&%s franchise and operational competitiveness.

ROFILE OF N0! The profile of the B& shows superior services banking

services strengthen the Infrastructure in the government securities market in order tomake it Dibrant, Li!uid and &oard &ased. Incorporate, personal and international

banking, industrial and agriculture finance of trade. un+ab national &ank boasts of a

varied clientele consisting of small and medium industrial units, eporters, multi0

national companies, Indian conglomerates and B9I. The bank is changing outdated

front and back end processes to modern customer friendly processes to help improve

the total customer eperience, with about 1"// of its of its own ?//// branches and

another :@?/ branches of its associated banks already networked, today it offers the

largest banking network to Indian customers, The bank is also in the process of

providing complete payment solution to its clientele with its over 78/ ATs, and

other electronic channels such as internet banking, debit cards, mobile banking etc.

The ensure the development of underwriting the market making capabilities for

government securities.

RECENT ACHIE)EMENT+ AND MILE+ +TONE+

5



N0 rece$ ach"e#eme$ a( m"les$oes

un+ab national bank ;B&<, has announced that it has completed ?//2 core banking

Implementation to all its :8/: branches and etension counter through the finacle

universal banking solution from Infosys, on sun infrastructure and the oracle data base

setting a significant milestone for themselves and a new branch mark for the Indian

banking industry completed in Bovember 5//1, : months ahead of schedule, the bank

implemented industry leading finacle core banking solution from Infosys across its

operations running a fleible, and scalable data base plat from oracle and innovative

servers from sun microsystem with an increasingly dynamic business and regulatory

environment, B& sought to not only achieve automation, but also centralise

operations, achieve high scalability for future business growth, provide fleibility of

creating innovative banking products to its lines of business, and at the same time,

reduce overall costs.The solutions scalability has also enabled the bank%s scalability to

the best in the country with in the number of speak of peak transactions at 7."

million . #inacle core banking platform also provides the bank eceptional agility for

product innovation and improved fleibility of operations. $ith seamless integration

of delivery channels such as AT and interest banking solutions. Bow un+ab

national bank has around :@?/ branches and AT around 78/.

ROFILE OF N0

B& has :@?/ branches and offices bringing the un+ab national bank to your

doorstep. A need for centrali6ed banking system prompted B& to go computeri6ed

and what followed was the establishment of )&3 in un+ab national bank branches in

all the leading cities like (elhi, une, )hennai ,umbai, Ahmadabad , )handigarh,

Curgaon, Hyderabad, alandhar, Folkata, Ludhiana, Bodal and &angalore.

Internet banking services are provided to all customers in the )&3 branches. A branch

and AT locator is also available on the official website of un+ab Bational &ank.

#or an overview of the annual report or the bank profile, the site can be resourceful.

The website also provides info on the careers and recruitments at B& and the eam

results. The careers at nationali6ed banks like B& are the most sought after one and

candidates are selected on the basis of their eam result.

6



B& topped the best paying commercial bank category with an overall rating of

1.:"2 as evaluated by the 333 9etirement, (eath G funeral benefits program. In

anuary 5//@, B& established a representative office in 4slo, Borway. B& hopes to

upgrade this to a branch in due course.

In 5/?/, B& purchased a small minority stake in Fa6akhstan0based 3) (ana &ank.

$ithin the year B& increased its ownership and now B& owns 1:2 of what has

become 3) ;3&< B&.

FUTURE LAN+!

B& #T9E LAB3-

B& has initiated various steps in a bid to epand its operations in the state of Ferala.

These include opening new branches and increasing the number of its core banking

solutions branches. B& currently has ? )&3 branches in Ferala and has registered

good growth from this region. B& in looking at increasing its international presence

and in line with this, the company is planning to set up offices in F, 3ingapore,

Hong Fong and )anada. The )anada office is likely to open very soon, while the

other Locations are likely to commence operations by end of this fiscal years. B&

unveiled its plans to raise additional capital of 9s. 5?,/// million to fund its business

epansion plans for this current fiscal.

Hea( O"ce

",sansad marg

Bew (elhi0??///?

(elhi

India

*es"$e

0raches

ATM

http-**www.pnbindia.com

:@?/

78/

7

http://www.pnbindia.com/




INTRODUCTION OF +TATE 0AN OF INDIA

+TATE 0AN OF INDIA

3tate &ank of India ;3&I< is India%s Largest )ommercial &ank. 3&I has a vastdomestic network of more than ?8/// branches and commands one fifth of deposit

and loans of all scheduled commercial bank in India. The 3tate bank group includes a

network of eight banking subsidiaries and several non0 banking subsidiaries offering

merchant banking services, #und management, #actoring services, primary dealership

in government are- 3tate &ank of &ikaner and aipur ;3&&<, state bank of Hyderabad

;3&H<.3tate &ank of Indore ;3&I<, 3tate &ank of 3aurashtra ;3&3< 3tate &ank 4f

atiala ;3&<,3tate &ank of ysore ;3&<,3tate &ank of India ;3&I< and 3tate &ank

of Travancore ;3&T<.

ROFILE OF +0I!

The 3tate &ank of India was named the 5@th most reputed company in the world

according to #orbes 5//@ rankings and was the only bank featured in the Jtop ?/

brands of IndiaJ list in an annual survey conducted by &rand #inance and The

Economic Times in 5/?/

The 3&I%s powerful corporate banking formation deploys multiple channels to deliver

integrated solutions for all financial challenges faced by the corporates universe. The

)orporate &anking Croups and the Bational banking Croup are the primary delivery

channels for corporate banking products .

The )orporate &anking Croup consists of dedicated strategic business units that cater

eclusively to specific client groups or speciali6e in particular product clusters.

#oremost among these a speciali6ed group is the corporate accounts Croup ;)AC< ,

focusing on the prime corporate and institutional clients of the country%s biggest

business centres. The others are the pro+ects finance unit and the Leasing unit. The

Bational &anking Croup also delivers the entire spectrum of corporate banking

products to other corporate clients, 4n a nationwide platform. The bank is also

looking at opportunities to grow in si6e in India as well as Internationally In a

recently concluded mass internal communication programme termed Karivartan% the

bank rolled out over 77// two days workshops across the country and covered over ?7/,/// employees in a period of ?// days using about :// Trainers, to drive home

8



the message of change and inclusiveness. The workshop fired the Imagination of the

employees with some other banks in India as well as other public sector organi6ations

seeking to emulate the programme.

+0I HI+TOR,!

The origins of state &ank of India date back to ?1/8 when the bank of )alcutta ; Later

called the bank of &engal < was established . In ?@5?, bank of &engal and two other

presidency banks ;&ank of adras and &ank of &ombay < were amalgamated to from

the Imperial bank of India. In ?@"", the controlling interest in the Imperial &ank of

India was ac!uired by the 9eserve &ank of India and the 3tate &ank of India ;3&I<

come into eistence by an act of parliament as successor to the Imperial &ank of

India.

+0I RECENT ACHI)EMENT AND MILE+TONE+!

A$A9(3- At 3&I #unds anagement, we devote considerable resources to gain,

maintain and sustain our profitable insights into market movements. The trust reposed

on us by millions of investors is a genuine tribute to our epertise in #und

anagement and dedication to our singular focus. And this has resulted in various

awards and accolades for us from the fund industry, motivating us to do better. 3ome

of the awards won by us are listed below.

5/?5 0 I)9A utual #und Awards 5/?5 #or Darious 3chemes

5/??0 9eaders (igest Awards 5/?? for Trusted &rand in #und anagement )ategory

I)9A utual #und Awards 5/?? for agnum Income #und 0 #loating 9ate lan 0

Long Term lan

5/?/0I)9A utual #und Awards 5/?/ #or agnum Clobal #und

3&I has been the recipient of the I)9A online Award0 1 times, )B&) TD0 ?1, crisil

Award 5//80 : Awards, The Lipper Awards ;ear 5//105//@< and most recently with

the )B&) TD 0?1 )risil utual #und of the ear Award 5// and " awards for our

schemes. 3&I )ard, reaches three million milestone- 3&I )ard , a +oint venture

between state bank of India and CE oney, announced yet another Landmark

achievement of crossing the three million cardholders ark. 9oopam Asthana,

)E40 3&I )ard, 3aid,% This ilestone is even ore remarkable aswe have added one

9



million cardholders in +ust ten months . 4ur ob+ective is to accelerate the pace of

growth by etending the benefits to a broader range of consumers in Tier II cities,

along with improved value propositions for the urban affluent customers.> 3&I )ard

recently signed up Indian cricketer

.IN+TITUTION INFORMATION

Hea( O"ce umbai

India

*es"$e http-**www.sbi.co.in*

No. o 0raches ?,///

No. o ATMs 5?///

LITERATURE RE)IE*

10

http://www.sbi.co.in/

http://www.sbi.co.in/



The pro+ect being conducted was =)4A9ATIDE 3T( 4# H4E L4AB3

4# B& AB( 3&I &ABF. 4nce the problem is formulated, the researcher

undertakes an etensive literature review connected with the problem.

CONCETUAL LITERATURE!5

)onceptual literature is that which is related with concepts and theories. Helps

from different books should be taken for different concepts and theories.

EMIRICAL LITERATURE

Empirical literature consists of study made by other in same field. The published

data in newspapers, books G maga6ines available for discussion with people of

organi6ation,

?< Er"c T'so = ortgage for (ummies%, #rom this book I have taken term and

condition of loans

5< Ra(' /ohso> Home to save thousands of dollars on your home loan> In this

book I have taken different type of home loan

7< Fula6 +"6h a( Reema +harma had studied about the housing finance in

India. Housing

:< M"chael loc7ou$ = The Economic factors affecting home ortgage disclosure

act =0 from this book I have taken the flowing topic ;?< changes in the risk

profile of borrowersM ;5< changes in the yield curve environment."< =Mor$6a6e Ec'clope("a0 An authoritative guide to mortgage , practices,

price> from this book I have taken the topic how to fied rate of interest on

home loan

8< Mel"ssa 0. /aco'% Home ownership risk beyond a subprime crisis - The role

of (elin!uency management> #rom this book I have taken the topic that public

investment in and promotion of homeownership and the home mortgage

market often relies on three +ustification to supplement shelter goals- to build

household wealth and economic self sufficiency, to generate positive social0

psychological states , and to develop stable neighbourhoods and communities.

< ,o7o Mor""8um" = current wealth, housing purchase and private housing loan

demand in apan. = In this book it is mentioned that how the loan effect your

decision.

1< Roer$ 0. A#er' a( Alle N. 0er6er> the loan commitments and bank risk

eposure. In this book I have studied about the loan commitments increase a

bank%s by obligating it to issue future loans under terms that it might otherwise

refuse. However, moral ha6ards and adverse selection problems

11



@< M"chael Lacour5L"$$le =The home purchase mortgage preferences of Low0and

moderate0Income Households> .Housing% policy in the united states has long

and supported homeownership, yet variation persists across income groups.

L"7s

999.s".com! #rom this I have taken information about 3&I.

999.p"("a.com! #rom this site I have taken information of B&.

h$$p!::999..a7"6pol"c'.com:aou$s5us.h$ml!0 #rom this site I have taken

banks rules and regulation and policy and schemes

h$$p!::999.s".com:persoal50a7"6:ol"eser#"ce:ol"e-0 #rom this site I

have taken material related to home loan.

h$$p!::999.R0I.com:aou$s:(eoul$.h$m!0#rom this site I have taken rule

regulation of 9&I bank which are implementation of those bank which are

working in India.

h$$p!::999.a7loa"o.com:persoal:pa'eme$s:(eaul$.h$m!0 Here this

site I have taken various type of bank information.

h$$ps!::999.ol"es".com:!0 from this site I have taken what is home loan

O0/ECTI)E+ OF THE +TUD,

The following primary ob+ective of this research report.

?. To study the cost of home loans provided by the bank.

5. To know that which bank provided batter loan schemes.7. To analyse the home loan scheme by B& and 3&I.

:. To know the consumer perception about the home loan of B& and 3&I.

". To know about the loans conditions of 3&I and B&.

8. To know the various policy about loans.

. To know about the maimum limit of loans provided by 3&I and B&.

1. To compare both banks ; B& and 3&I< future policy regarding home

loans.

12

http://www.sbi.com/


http://var/www/apps/conversion/tmp/scratch_2/http:%2F%2Fwww..bankingpolicy.com%2Fabouts-us.html:-


http://www.rbi.com/abouts/defoult.htm:-From


http://www.bankloaninfo.com/personal/payements/default.htm:-


https://www.onlinesbi.com/:-


http://www.sbi.com/








RE+EARCH METHODOLO-,

Mea"6 o research! 9esearch in common parlance refers to a search for

knowledge. It is an art of scientific investigation. 9esearch is an academic activity and

such as the term should be used in technical sense. It is persuit of truth with the help

of study, observation, comparison, and eperiment. In short, the search for knowledge

through the ob+ective ans systematic method of finding solution to a problem is

research.

De""$"o o research! = The manipulation of things, concepts or symbols for the

purpose of generali6ing to etend, correct or verity knowledge, whether that

knowledge aids in construction of theory or in the practice of an art.>

Mea"6 o research me$ho(olo6'! 9esearch methodology is a way to

systematically solve the research problem. It may be the understood as a science of

studying how research is done scientifically. 9esearch methodology has many

13



dimensions and research methods do constitute a part of the research methodology.

The scope of research methodology is wider than that of research method.

Research Des6"! 9esearch design is the conceptual structure with in which research

in conducted. It constitutes the blueprint for the collection measurement and analysis

of data. 9esearch (esign includes and outline of what the researcher will do form

writing the hypothesis and it operational implication to the final analysis of data. A

research design is a framework for the study and is used as guide in collection and

analy6ing the data. It is a strategy specifying which approach will be used for

gathering and analy6ing the data. It also includes the time and cost budget since most

studies are done under these two cost budget since most studies are done under these

tow constraints.

T'pes o Research Des"6! The basic types of research are follows0

T'pes

E%plora$or' Coclus"#e Descr"p$"#e Casual

Research Research Research Research

1. E%plora$or' research! Eploratory research are conduct to resolve ambiguity.

(iffering mainly in design from descriptive research, eploratory research is used

principal to gain a deeper understanding of something. It allows the researcher to gain

a better understanding of the concept and provide direction in order to initiate a more

structured research.

14



2 .Coclus"#e research! The findings and propositions developed as a conse!uence

of eploratory research might be tested and authenticated by conclusive research. This

kind of research study is especially carried out to test and validate formulated

hypotheses and specified relationship.

3. Descr"p$"#e research! (escriptive research is undertaken to describe the situation,

community, phenomena, outcomes or programme. The main goal of this type of

research is to describe the data and characteristics about what being is studied.

4.Causal research! )ausal research eplore the effect of one thing on another and

more specifically, they effect of one variable on another. They are highly structured

and re!uire a rigid se!uential approach to sampling, data collection and data analysis.

DATA COLLECTION

Mea"6 o (a$a- (ata is a most often used as a singular mass noun in educated

everyday usage. It is a collection of facts such as value, measurement and collected

together for reference or analysis.

The process of data collection begins after a research problem has defined and

research design has been chalked out. There are two types of data0

T'pes

r"mar' Da$a +eco(ar' Da$a

r"mar' Da$a!

15



It is first hand, which is collected by researcher itself. rimary data is collected by

various approaches so as to get a precise, accurate, realistic and relevant data. The

main tool in gathering primary data was investigation and observation. It was

achieved by a direct approach and observation from the officials of the company.

a;. <ues$"oa"re! I preferred !uestionnaire method because it does not pressuri6e

the consumer and in this way he give correct information about the !uestion. That%s

why I gave !uestionnaire to respondent so that they can fill it return to me.

;. D"rec$ I$er#"e9! I have also conducted direct interview in some areas with

consumer.

2. +eco(ar' (a$a! secondary data is that have been already collected and readily

from other sources. I have also collected the secondary data for research work, which

I have taken from website of these banks and newspaper.

The research design will be e%plora$or' in nature. A population of people who take

home loan from these banks will be considered for this study. I will also eplore the

impact of home loan the impact of home loan on the market share of the banks.

+AMLIN- LAN

OULATION!

The study aimed to include the customer of 3&I and B& in shahpur, in (istt .kangra

to make a comparative analysis of home loan schemes of these two banks.

+ample +"8e!

A sample si6e of ?// respondents will be taken for the current study because it

is not possible to cover the whole universe in the available time period .3o it is

necessary to take the sample si6e .In ?// respondents "/ respondents from

B& and "/ from 3&I. The samples will the peoples of age group lying

between eighteen to thirty years. The sample will be taken in the form of strata

based on age, se and income group.

• +ampl"6 $ech"&ue-

16



The sampling techni!ue will be probabilistic sampling more specifically the

random convenient and +udgemental sampling will be used. As in probabilistic

sampling the select unit for observation with known probabilities so that

statistically sound assumptions are supported from the sample to entire

population so that we had positive probability of being selected into the

sample. I will go for stratified random sampling as we are interested to study

the home loan by 3&I and B& banks, so we will make the strata on the basis

of age, occupation, income level, gender, and from each we will go for random

sampling.

In this study I have taken information from primary sources to get their

results. There I have got filled the questionnaire from the customers and

interpret their analysis.

17



<ues$"oa"re A or +$a$e 0a7 o I("a

Total responded are "/

?< $hat is your occupation'5< #rom how many years you are associated with this bank'

7< How do you come to know about the home loan schemes of that bank'

:< Are you aware of these types of home loan'

"< Are you aware all terms and conditions of home loan'

8< Are you satisfied with the interest rate charge by your bank'

< (o you agree that your bank loan processing is fast'

1< (o you satisfy with the after home loan services provided by your bank are

best as compare to other bank'

@< (oes the cost of home loan is appropriate, according to your demand'

?/< Are you satisfied with the employee%s behaviour of the

??< (oes the bank give any discount upon loan services'

?5< Are you satisfied by the time taken in sanctioning the loan'

?7< Have you face any difficulty during taking the loan'

?:< $hich grade do you want to give of home loan schemes of the bank'

<ues$"oa"re 0 or ua Na$"oal 0a7

Total responded are "/

?< $hat is your occupation'

18



5< #rom how many years you are associated with this bank'

7< How do you come to know about the home loan schemes of that bank'

:< Are you aware of these types of home loan'

"< Are you aware all terms and conditions of home loan'

8< Are you satisfied with the interest rate charge by your bank'

< (o you agree that your bank loan processing is fast'1< (o you satisfy with the after home loan services provided by your bank are

best as compare to other bank'


?/< Are you satisfied with the employee%s behaviour of the

??< (oes the bank give any discount upon loan services'

?5< Are you satisfied by the time taken in sanctioning the loan'

?7< Have you face any difficulty during taking the loan'

?:< $hich grade do you want to give of home loan schemes of the bank'

LIMITATION+ OF THE +TUD,

Although best of the efforts were made to conduct a perfect survey but still it faces

certain limitation. #ollowing were certain limitation of this research report-0

• The survey was conducted only on ?// respondents.

• 3ome of the respondents did not answer all the !uestions, which could hamper

the final results to a certain etent.

The ma+or limitations of the research report are as following-0

19



1; Less $"me per"o(! As the time period that was to us was too less. In a short

time period it is very difficult to get knowledge about each G everything

related to our pro+ect.

2; Lac7 o 7o9le(6e! )onducting the research it makes it very difficult for

us to perform out task without any problem. As it was first time that we

indulge in research pro+ects or say winter training pro+ects. The lack of

eperience made the task difficult.

3; Less respose rom respo(e$s! Cetting the information from the

respondents is also a tedious +ob. As these are many respondents that are not in

a position to tell us correct information about the pro+ects or study G also

sometimes they don%t say any interest.

+TATE 0AN OF INDIA

1; 9ha$ "s 'our occupa$"o=

Table Bo :.?.?

&usiness ?8

3tudents /

Covt .employee 5:

4ther /

House wife ?/

20



B u s i n

e s s

S t u d e n t s

G o v t

. e m p l o y e e

O t h e

r

o u s e

! i " e

0

5

10

15

20

25

30

#igure Bo :.?.?

INTERRETATION!

• / of our respondents was students.

• 5: of the respondents were into government employees.

• ?8 of respondents were businessman.

• ?/ of our respondents were housewife.• Bone of respondents belonged to the category of others.

2; From ho9 ma' 'ears 'ou are assoc"a$e( 9"$h $h"s a7=

Table Bo :.?.5

Less than ? years ??

?0" years 58

ore than " ?7

21



#ess th$n 1 ye$rs 1%5 ye$rs &ore th$n 5

0

5

10

15

20

25

30

#igure Bo :.?.5

INTERRETATION!

?? persons are associated less than ? year.

58 persons are associated from ?0" years.

?7 persons are associated from more than " years.

3; Ho9 (o 'ou come $o 7o9 aou$ $he home loa schemes o $ha$ a7=

Table Bo :.?.7

Bews papers 5/

Television ?:

Internet ?5

4ther resources "

22



'e!s p$pers (elevision )nternet Other resour*es0

5

10

15

20

25

#igure Bo :.?.7

INTERRETATION!

• 5/ persons come to know from newspapers• ?: persons come to know from television

• ?5 persons come to know from internet

• " persons come to know from other resources.

4; Are 'ou a9are o $hese $'pes o home loa=

Table Bo :.?.:

Home purchase loan ?/

Home construction loan ?@

Home improvement loan

23



Home e!uity loan "

Land purchaser loan @

o m e p

u r * h $ s e l o $ n

o m e * o n s

t r u * t i o n l o $ n

o m e i m

p r o v e m e n t l o $ n

o m e e + u i t y

l o $ n

# $ n d p u

r * h $

s e r l o $ n

02468

1012141618

20

#igure Bo :.?.:

INTERRETATION-

• 4nly " persons know home e!uity loan.

• any of peoples know home construction loan.

• ?/ peoples know home purchase loan.

• peoples know home improvement loans.

24



>; Are 'ou a9are all $erms a( co("$"os o home loa=

Table Bo :.?."

es :5

Bo 1

,es 'o

0

5

10

15

20

25

30

35

40

45

25



#igure Bo :.?."

INTERRETATION!

any of persons know all terms and conditions of home loan i.e. :5.

1 persons had not know property about all terms and conditions.

?; Are 'ou sa$"s"e( 9"$h $he "$eres$ ra$e char6e ' 'our a7=

Table Bo :.?.8

3trongly agree ?7

Agree 75

(isagree "

3trongly agree /

26



Stron-ly $-ree .-ree /is$-ree Stron-ly $-ree

0

5

10

15

20

25

30

35

#igure Bo :.?.8

INTERRETATION!

• ?7 among all consumers are strongly agreed by interest of the bank.

• 75 among all consumers are agreed by interest rate of the bank.

• " among all consumers are disagreed by interest rate.

• / among all consumers are disagreed by interest rate of the bank.

@; Do 'ou a6ree $ha$ 'our a7 loa process"6 "s as$=

Table Bo :.?.

3trongly agree @

Agree 5

27



(isagree ?/

3trongly disagree :

Stron-ly $-ree .-ree /is$-ree Stron-ly dis$-ree

0

5

10

15

20

25

30

#igure Bo :.?.

INTERRETATION!

• @ persons strongly agree that bank home loan processing is fast.

• 5 persons agree that bank home loan processing is fast.

• ?/ persons disagree that bank loan processing is fast.

• : persons strongly disagree that bank processing is fast.

28



; Do 'ou sa$"s' 9"$h $he a$er home loa ser#"ces pro#"(e( ' 'our a7 are

es$ as compare $o o$her a7=

Table Bo :.?.1

3trongly agree ?7

Agree 75

(isagree "

Stron-ly $-ree -ree /is$-ree

0

5

10

15

20

25

30

35

#igure Bo :.?.1

INTERRETATION!

• ?7 among all consumers are strongly agreed by after sale services of the bank.

• 75 among all consumers are agreed by after sale services of the bank.

• " among all consumers are disagreed by after sale services of the bank.

29



B; Does $he cos$ o home loa "s appropr"a$e accor("6 $o 'our (ema('

Table Bo :.?.@

es 7"

Bo ?"

,es 'o0

5

10

15

20

25

30

35

40

#igure Bo :.?.@

30



INTERRETATION!

• 7" persons said that home loan is appropriate according to their demand.

• ?" persons said that home loan is not appropriate according to their demand.

1; Are 'ou sa$"s"e( 9"$h $he emplo'ees eha#"our o $he a7=

Table Bo :.?.?/

3trongly agree 5?

Agree 5:

(isagree "

3trongly disagree /


0

5

10

15

20

25

30

31



#igure Bo :.?.?/

INTERRETATION!

• 5? persons very satisfied with the employee behaviour of the bank.

• 5: persons satisfied with the employee behaviour of the bank.

• " persons disagree with the employee behaviour of the bank.

• Bo one is strongly disagree with the employee behaviour of the bank.

11; Does $he a7 6"#e a' ("scou$ upo loa ser#"ces=

Table Bo :.?.??

es :5

Bo 1

,es 'o

0

5

10

15

20

25

30

35

40

45

32



#igure Bo :.?.??

INTERRETATION!

• :5 persons said that bank give discount upon loan services.

• 4nly 1 persons said that bank does not give any discount upon loan services.

12; Are 'ou sa$"s"e( ' $he $"me $a7e " sac$"o"6 $he loa=

Table Bo :.?.?7

es 78

Bo ?:

33



,es 'o

0

5

10

15

20

25

30

35

40

#igure Bo :.?.?7

INTERRETATION!

• 78 persons are satisfied by the time taken.

• ?: persons are not satisfied by the time taken.

34



13; Ha#e 'ou ace a' (""cul$' (ur"6 $a7"6 $he loa=

Table Bo :.?.?7

es :?

Bo @

,es 'o

0

5

10

15

20

25

30

35

40

45

35



#igure Bo :.?.?7

INTERRETATION!

• :? persons face difficulty during taking loan.

• 4nly @ persons does not face any difficulty during taking the loan.

14; *h"ch 6ra(e (o 'ou 9a$ $o 6"#e o home loa schemes o $he a7=

Table Bo :.?.?:

Ecellent 58

Cood ?@

Average "

&elow average /

36



*ellent Good .ver$-e Belo! $ver$-e

0

5

10

15

20

25

30

#igure Bo :.?.?:

INTERRETATION!

• 58 persons give ecellent grade of the bank.

• ?@ persons give good grade to the bank.

• 4nly " persons give average grade to the bank.

• Bo one give below average grade to the bank.

37



UN/A0 NATIONAL 0AN

1; *ha$ "s 'our occupa$"o=

Table Bo :.5.?

&usiness man ?

3tudent /

Covt.employees 5"

4ther /

House wife 1

Business m$n Student Govt.employees Other ouse !i"e

0

5

10

15

20

25

30

#igure Bo :.5.?

INTERRETATION!

• / of our respondents was students.

• 5" of the respondents were into government employees.

• ? of our respondents were businessman.

• 1 of our respondents were housewife.


Table Bo :.5.5

38



Less than ? years ?1

?0" years 5/

ore than " ?5

#ess th$n 1 ye$rs 1%5 ye$rs &ore th$n 5

0

5

10

15

20

25

#igure Bo :.5.5

INTERRETATION!

• ?1 persons are associated less than ? years

• 5/ persons are associated from ?0" years.

• ?5 persons are associated from more than " years.

3; Ho9 (o 'ou come $o 7o9 aou$ $he home loa schemes o $ha$ a7=

Table Bo :.5.7

Bewspapers ?5

Television 57Internet ?/

39



4ther sources "

'e!sp$pers (elevision )nternet Other sour*es

0

5

10

15

20

25

#igure Bo :.5.7

INTERRETATION!

• ?5 persons come to know from newspapers

• 57 persons come to know from television.

• ?/ persons come to know from internet.

• " persons come to know from other resources.

40



4; Are 'ou a9are o $hese $'pes o home loa=

Table Bo :.5.:

Home purchase loan ?/

Home construction loan 5/

Home improvement loan ?/

Home e!uity loan 5

Land purchase loan 1

o m e p u r * h $

s e l o $ n

o m e * o n s t r u

* t i o n l o $ n

o m e i m

p r o v e m

e n t l o $ n

o m e e + u i t y

l o $ n

# $ n d

p u r * h $ s e l o $ n

0

5

10

15

20

25

41



#igure Bo :.5.:

INTERRETATION!

• 4nly 5 persons know home e!uity loan.

• 5/ peoples know home construction loan.

• ?/ peoples know home purchase loan.

• ?/ peoples know home improvement loan.

• 1 peoples know land purchase loan.

>; Are 'ou a9are all $erms a( co("$"os o home loas=

Table Bo :.5."

es 78

Bo ?:

,es 'o

0

5

10

15

20

25

30

35

40

#igure Bo :.5."

INTERRETATION!

42



• any of persons know all terms and conditions of home loan i.e.78.

• ?: persons had not know properly about all terms and conditions.

?; Are 'ou sa$"s' 9"$h $he "$eres$ ra$e char6e ' 'our a7=

Table Bo :.5.8

3trongly agree ?5

Agree 7"

(isagree 7

3trongly disagree /


0

5

10

15

20

25

30

35

40

43



#igure Bo :.5.8

INTERRETATION!

• ?5 among all consumers are strongly agreed by interest rate of the bank.

• 7" among all consumers are agreed by interest rate of the bank.

• 7 among all consumer are disagreed by interest rate of this bank.

/ among all consumer are strongly disagree by interest rate of the bank

@; Do 'ou a6ree $ha$ 'our a7 loa process"6 "s as$=

Table Bo :.5.

3trongly agree "

Agree 55

(isagree ?:

3trongly disagree @

44



Stron-ly $-ree -ree /is$-ree Stron-ly dis$-ree

0

5

10

15

20

25

#igure Bo :.5.

INTERRETATION!

• " persons strongly agree that bank home loan processing is fast.

• 55 persons agree that bank home loan processing is fast.

• ?: ersons disagree that bank processing is fast.

@ persons strongly disagree that bank processing is fast.

45



; Do 'ou sa$"s' 9"$h $he a$er home loa ser#"ces pro#"(e( ' 'our a7 are

es$ as compare $o o$her a7=

Table Bo :.5.1

3trongly agree ?"

Agree 7/

(isagree "

3trongly disagree /


0

5

10

15

20

25

30

35

46



#igure Bo :.5.1

INTERRETATION!

• ?" consumers are strongly agreed by after sale services of the bank.

• 7/ among all consumers are agreed after sale services of the bank.

• " among all consumers are disagreed by after sale of the bank.

• / among all consumers are strongly disagreed by after sale services of the

bank.

B; Does $he cos$ o home loa "s appropr"a$e accor("6 $o 'our (ema(=

Table Bo :.5.@

es 7?

Bo ?@

,es 'o

0

5

10

15

20

25

30

35

#igure Bo :.5.@

INTERRETATION!

47



• 7? persons said that home loan is appropriate according to their demand.

• ?@ persons said that home loan is not appropriate according to their demand.

1; Are 'ou sa$"s' 9"$h $he emplo'ees eha#"our o $he a7=

Table Bo :.5.?/

3trongly agree ?

Agree 58

(isagree

3trongly disagree /


0

5

10

15

20

25

30

#igure Bo :.5.?/

INTERRETATION!

48



• ? are strongly agree

• 58 customers are agree

• 4nly are disagree

• There are no one is strongly disagree.

11; Does $he a7 6"#e a' ("scou$ upo loa ser#"ces=

Table Bo :.5.??

es :5 Bo 1

,es 'o

0

5

10

15

20

25

30

35

40

45

#igure Bo :.5.??

INTERRETATION!

• :5 peoples say yes.

• 4nly 1 said no.

49



12; Are 'ou sa$"s' ' $he $"me $a7e " sac$"o"6 $he loa=

Table Bo :.5.?5

es :/

Bo ?/

,es 'o

0

5

10

15

20

25

30

35

40

45

#igure Bo :.5.?5

50



INTERRETATION!

• There are :/ people says yes

• ?/ are said no.

13; Ha#e 'ou ace a' (""cul$' (ur"6 $a7"6 $he loa=

Table Bo :.5.?7

es :/

Bo ?/

,es 'o

0

5

10

15

20

25

30

35

40

45

51



#igure Bo :.5.?7

INTERRETATION!

• :/ persons face difficulty during taking loan.

• 4nly ?/ persons does not face any difficulty during taking the loan.

14; *h"ch 6ra(e 'ou 9a$ $o 6"#e o home loa schemes o $he a7=

Table Bo :.5.?:

Ecellent 51

Cood ?"

Average

&elow average /

52



*ellent Good .ver$-e Belo! $ver$-e

0

5

10

15

20

25

30

#igure Bo :.5.?:

INTERRETATION!

• 51 people give ecellent grade

• ?" said good

• And are said it is average.

53



AFTER ANAL,+IN- THE <UE+TIONNAIRE OF THE+E T*O

0AN+ *E ARE INTERRATIN- THE +TUD, 0, +OME

COMARI+ON -RAH+


Table Bo :.?

a7s +0I N0

Less than ? year ?? ?1

?0" years 58 5/ore than " years ?7 ?5

#ess th$n 1 ye$r 1%5 ye$rs &ore th$n 5 ye$rs

0

5

10

15

20

25

30

SB)

'B

54



#igure Bo :.?

I$erpre$a$"o!

After table reveals that 3&I has ?? people who are associate less than ? year whereas

B& has only ?@ people, beside that between ?0" years 3&I and B& has 58 and 5/

peoples respectively and more than " years they are ?7 and ?5 respectively.

2; Ho9 (o 'ou come 7o9 aou$ $he home loa schemes o $hese

a7s=

Table Bo :.5

0a7s +0I N0

Bewspaper 5/ ?5

Television ?: 57

Internet ?5 ?/

4ther sources " "

'e!sp$per (elevision )nternet Other sour*es

0

5

10

15

20

25

SB)

'B

55



#igure Bo :.5

I$erpre$a$"o!

4ut of "/ respondents, 5/ respondents of 3&I G ?5 of B& says that they known

about loan scheme through newspaper and ?: or 57 says that they known about this

scheme through television respectively. ?5 of 3&I G ?/ of B& says that they known

through internet and " respondents of 3&I G B& known this scheme through other

sources.

3; Are 'ou sa$"s"e( 9"$h $he "$eres$ ra$e char6e( ' 'our a7s=

Table Bo :.7

0a7s +0I N0

3trongly agree ?7 ?5

Agree 75 7"

(isagree " 7

3trongly disagree / /

56




0

5

10

15

20

25

30

35

40

SB)

'B

#igure Bo :.7

I$erpre$a$"o!

#or the above !uestion, out of "/ respondents ?7 respondents of 3&I are strongly

satisfies with the interest rate charge by 3&I and 75 respondents are only satisfies. "

respondents are dissatisfies and none of the respondent is strongly dissatisfies with the

interest rate charge by the 3&I.

3imilarly ?5 respondents of B& are strongly satisfies with the interest rate charge by

B& and 7" respondents are only satisfies. 7 respondents are dissatisfies and none of

the respondent is strongly dissatisfies with the interest rate charge by the B&.

4; Do 'ou a6ree $ha$ 'our a7 loa process"6 "s as$=

Table Bo :.:

0a7s +0I N0

3trongly agree @ "

Agree 5 55

(isagree ?/ ?:

3trongly disagree : @

57



S t r o n - l y

$ - r e e

- r e e

/ i s $

- r e e

S t r o n - l y

d i s $ - r e e

0

5

10

15

20

25

30

SB)

'B

#igure Bo :.:

I$erpre$a$"o!

In the above !uestion, @ respondents of 3&I are strongly satisfies and 5 only satisfies

that 3&I%s loan processing is fast. And ?/ respondents are dissatisfies G : are strongly

dissatisfies that processing of their bank is fast. 3imilarly " respondents of B& are

strongly satisfies where as 55 respondents only satisfies with the home loan

processing of B& is fast. ?: respondents are dissatisfies G @ are strongly dissatisfies

that processing of B& is fast.

>; Do 'ou sa$"s' 9"$h $he a$er home loa ser#"ces pro#"(e( ' 'oura7 are es$ as compare $o o$her a7s=

Table Bo :."

0a7s +0I N0

3trongly agree ?7 ?"

Agree 75 7/

(isagree " "


58




0

5

10

15

20

25

30

35

SB)

'B

#igure Bo :."

I$erpre$a$"o!

As interpreted above, ?7 respondents of 3&I G ?5 of B& are strongly agree that their

bank%s home loan service are best as compare to other, where as 75 and 7/

respondents are only agree with this statement respectively. " respondents of 3&I G

B& are disagree that their bank%s home loan services are best as compare to others.

Bone of the respondent who are strongly disagree with this statement.

?; Are 'ou sa$"s"e( 9"$h $he emplo'ees eha#"our o $he a7=

Table Bo :.8

0a7s +0I N0

3trongly agree 5? ?

Agree 5: 58

(isagree "


59




0

5

10

15

20

25

30

SB)

'B

#igure Bo :.8

I$erpre$a$"o!

#or this !uestion, 5? respondents of 3&I G ? respondents of B& are strongly satisfy

with the employee%s behaviour of their bank. 5: G58 respondents are only satisfies

where as " and are dissatisfies with the employee%s behaviour or their bank

respectively.

@; Does $he a7 6"#e a' ("scou$ upo loa ser#"ces=

Table Bo :.

0a7s +0I N0

es :7 :5

Bo 1

60



SB) 'B

0

5

10

15

20

25

30

35

40

45

50

,es

'o

#igure Bo :.

I$erpre$a$"o!

4ut of "/ respondents, :7 respondents of 3&I G :5 respondents of B& say yes their

bank give discount upon home loan service. And G 1 respondents say no that their

bank not give any discount upon home loan service.

61



; Are 'ou sa$"s"e( ' $he $"me $a7e "s sec$"o"6 $he loa=

Table Bo :.1

0a7s +0I N0

es 78 :/

Bo ?: ?/

SB) 'B

0

5

10

15

20

25

30

35

40

45

,es

'o

#igure Bo :.1

I$erpre$a$"o!

According to !uestion out of "/ respondents, 78 respondents of 3&I G:/ respondents

of B& says that they satisfies by the time taken is sanctioning the loan where as ?:

G ?/ respondents are not satisfies respectively.

62



B; *h"ch 6ra(e (o 'ou 9a$ $o 6"#e o home loa scheme o $he

a7=

Table Bo :.@

0a7s +0I N0

Ecellent 58 51

Cood ?@ ?"

Average "

&elow average / /

0 1 * e

l l e n t

G

o o d

v e r $ - e

B e l o ! $ v e

r $ - e

0

5

10

15

20

25

30

SB)

'B

#igure Bo :.@

I$erpre$a$"o!

63



58 respondents of 3&I and 51 respondents of B& give ecellent grade to their

bank.?@ and ?" respondents give the good grade to their bank respectively." and

give the average grade where as none of the respondent who give the grade below

average to bank respectively.

1; Compare o home loa "$eres$ o +0I a( N0.

Table Bo :.?/

0a7s +0I N0

Interest rate @.@"2 ?/.5"2

SB) 'B

9.80

9.85

9.90

9.95

10.00

10.05

10.1010.15

10.20

10.25

10.30

I$eres$ ra$e

)nterest r$te

#igure Bo :.?/

I$erpre$a$"o!

3&I give the home loan at the @.@"2 interest rate whereas B& give the home loan at

the ?/.5"2 interest rate.

64



FINDIN-+

$hen we take the case of home loan, it is a very safe and area of loans from the point

of view of financial institutions. They are easier to increase their share in the home

loan sector. 3o they are coming with the attractive schemes. )ustomer can have the benefits of liberal terms and conditions as well as ta benefits if they choose to take a

home loan. 3o the use has gain attention. The increasing number of home loans

available today as strengthened the middle class individual to venture forth and fulfil

his drams.

Today the demands of the current social status necessitate varied means are tapped

into in order to achieve the ultimate goal0better living home loan proposals are thus

gaining popularity due to their easy instalments schemes, low interest rates and high

returns on the standards of living. $hile a home loan generally includes financial for

home etension, home improvement loans are well as loan for property medicationM

the terms are more commonly applied to finance schemes for purchasing houses.

According to lending institutions, any Indian resident who is over 5? years at the

beginning of the loan and below 8" at its maturity can avail of the loan. 3alaried

Employees as well as self0employed citi6ens can apply.

65



RECOMMENDATION+

?< ost of the people are not aware of the various scheme of loan which is provided

these services.

5< 3ome of the people are not have sufficient knowledge about banks loan so bank

should provide then sufficient knowledge about banking loan.

7< ake the people aware about the hidden cost of the loan i.e. Interest and other cos .

:< Hidden service charge on mobile banking and Tele banking is decided.

"< rovide more fleibility to people which are easily take the loan.

8< rovide AT at conventional location also.

< rovide facilities to each customer e!ually.

1< $hen we take loan there are maimum responsibilities of customer and some

people which have need the loan they have don%t take loan.

66



CONCLU+ION

All the people are availing loan faculty from both the banks. Bo. of respondents of 3&I were "/ and "/ of B&. eoples are relating with 3&I more satisfy with the

interest rate as compare to B&. 3&I peoples much know about home loans then

B&. &oth B& and 3&I mostly offer mobile banking services. rocessing of 3&I is

fast then B&. eoples related with B& is more satisfy with the employee behaviour

as compare to 3&I. eople are more satisfied by 3&I after home loan service provided

by bank. #rom all this I conclude that 3&I bank rovide good home loan services as

compare to B& and many people%s are very satisfied from 3&I.

67



0I0LIO-RAH,

/ourals oo7s

?< Up pal R. , =)ustomer perception of E banking services of Indian &anks, =The

I)#AI +ournal of &ank anagement, Dol, Dill, Bo. ? #ebruary 5//1 p.87.

5< erce"#e( ser#"ce &ual"$' o a7s, International +ournals of &ank arketing , Dol

.?1, Bo. 5, p.1:0@?

7< Rose pe$er s. a( Hu(("6e , 3.);5//"< =&ank anagement and #inancial

3ervices>, c Crow0 hill Irwin , Bew ork.

:< +aleh M.N. a( A(rea, 3. ;5//5< = )hallenges of the KE &anking revolution>,

A !uarterly maga6ine of International onitory fund ;I#<, Dol.

"< Mr -up$a #"#e7 , E banking - Clobal perspectives

8< Mr 0ose /a'shree , E0 banking in India- The paradigm shift

LIN+

999."c"c"a7.com

999.h(ca7.com

999.s".com

999.p.com

h$$p!::999."c"c"a7.com:persoal5a7"6:ol"eser#"ce:ol"e5serr#"ce:ol"e

ser#"ce.h"ml

68

http://www.icicibank.com/

http://www.hdfcbank.com/

http://www.sbi.com/

http://www.pnb.com/

http://www.icicibank.com/personal-banking/onlineservice/online-serrvice/online%20service.himl


http://www.icicibank.com/

http://www.hdfcbank.com/

http://www.sbi.com/

http://www.pnb.com/





h$$p!::999.h(ca7.com:aou$s:(eoul$.h$m

h$$p!::999.h(ca7.com:persoal:pa'eme$:(eoul$.h$m

h$$ps!::999.ol"es".com:

h$$p!::e$p.com:

<UE+TIONNAIRE

Bame NNNNNNNNNNNN

OualificationNNNNNNNNNNNN

Age ?105" 5"07" 7"0:/ above

CenderNNNNNNNNNNNNNNN

?< $hat is your occupation'

a< &usinessman P Q b< Covernment employee P Q

c< House wife P Q d< 3tudents P Q

e< 4ther P Q

5< #rom how many years you are associated with this bank'

a< Less than ? years P Q b< ?0" years P Q

c< ore than " years P Q

7< How do you come to know about the home loan schemes of this bank'

A< Bewspaper P Q b< Television P Q

c< Internet P Q d< 4ther resources P Q

:< Are you aware of these type of home loan'

a< Home purchase loan P Q b< Home construction loan P Q

c< Home Improvement loan P Q d< Home etension loan P Q

69

http://www.hdfcbank.com/abouts/defoult.htm

http://www.hdfcbank.com/personal/payement/defoult.htm

https://www.onlinesbi.com/

http://netpnb.com/

http://www.hdfcbank.com/abouts/defoult.htm

http://www.hdfcbank.com/personal/payement/defoult.htm

https://www.onlinesbi.com/

http://netpnb.com/



"< Are you satisfy with the interest rate charge by your bank'

A< 3trongly agree P Q b< Agree P Q

c< (isagree P Q d< strongly disagree P Q

8< Are you aware all terms and conditions of home loan'

a< es P Q

b< Bo P Q

< our &ank offers which type of service'

A< obile banking P Q b< Bet banking P Q

)< #ore banking P Q

1< (o you agree that your bank loan processing is fast'

a< 3trongly agree P Q b< Agree P Q

c< 3trongly disagree P Q d< (isagree P Q


a< es P Q

b< Bo P Q

?/< (o you satisfy with the after home loan services provided by your bank are best

as compare to other bank'


c< (isagree P Q d< strongly disagree P Q

??< Are you satisfy with employee behaviour of the bank'


70



c< 3trongly disagree P Q d< (isagree P Q

?5< (oes the bank give any discount upon loan services'

a< es P Q

b< Bo P Q

?7< Are you satisfy by the time taken in sanctioning the loan'

a< es P Q

b< Bo P Q

?:< Have you face any difficulty during taking the loan'

a< es P Q

b< Bo P Q

?"< $hich grade you want to give of home loan schemes of your bank'

a< Ecellent P Q b< Cood P Q

c< Average P Q d< &elow average P Q

?8< Any suggestion that you want to give NNNNNNNNNNNNNNNN

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