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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.
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#inally, it seems reserve bank of India%s ;9&I< flurry of measures to restrain the home
finance market is paying off. $ith tightening of interest rates by the 9&I and a
simultaneous increase in real estate prices in a few markets , the banking sector is
witnessing a decline in the growth of its home loan portfolio.
The home loan industry is eperiencing a growth of 5" 2 this year%s 7/2 growth in
home loans earlier. 9a+iv 3abharwal, senior general manager, I)I)I bank, which has
recorded the highest incremental growth in home finance segment in recent past ,
said, = The real estate prices have become very high in few markets, which has
resulted in the fall in growth rates for home loans for the banking industry. Home
loan growth has reduced to 5"2 from its earlier growth rate at 7/2 and since we are
an integral part of the industry, there will be some impact on us too.>
Echoing a similar view, a senior official of
3tate bank is a leading home lender of the country with about 7/2 market share.
9etail Lending comprises /2 of the total loan portfolio of the bank , of which the
home loan lending is about "/2 .In the first half of fiscal 5//, the bank eperienced
total home loan disbursement of 93 ?7, :// crore.
INTRODUCTION OF UN/A0 NATIONAL 0AN
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HI+TOR,!UN/A0 NATIONAL 0AN
(omestic division, the foreign offices division , the foreign department and
international services division of the India was established by Lala lapa$ 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& $as fully privati6ed. The +oint sale by the hilippine
government and the Lucio Tan Croup of the 82 stake in B& was completed within
the third !uarter of 5//". The Lucio Tan Croup eercised its right to match the p
:7. per share bid offered by a competitor and purchased the shares owned by the
government. The )ompletion of sale is epected to speed up the development of
B&%s franchise and operational competitiveness.
ROFILE OF N0! The profile of the B& shows superior services banking
services strengthen the Infrastructure in the government securities market in order tomake it Dibrant, Li!uid and &oard &ased. Incorporate, personal and international
banking, industrial and agriculture finance of trade. un+ab national &ank boasts of a
varied clientele consisting of small and medium industrial units, eporters, multi0
national companies, Indian conglomerates and B9I. The bank is changing outdated
front and back end processes to modern customer friendly processes to help improve
the total customer eperience, with about 1"// of its of its own ?//// branches and
another :@?/ branches of its associated banks already networked, today it offers the
largest banking network to Indian customers, The bank is also in the process of
providing complete payment solution to its clientele with its over 78/ ATs, and
other electronic channels such as internet banking, debit cards, mobile banking etc.
The ensure the development of underwriting the market making capabilities for
government securities.
RECENT ACHIE)EMENT+ AND MILE+ +TONE+
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N0 rece$ 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.
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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/
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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
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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$A9(3- At 3&I #unds anagement, we devote considerable resources to gain,
maintain and sustain our profitable insights into market movements. The trust reposed
on us by millions of investors is a genuine tribute to our epertise in #und
anagement and dedication to our singular focus. And this has resulted in various
awards and accolades for us from the fund industry, motivating us to do better. 3ome
of the awards won by us are listed below.
5/?5 0 I)9A utual #und Awards 5/?5 #or Darious 3chemes
5/??0 9eaders (igest Awards 5/?? for Trusted &rand in #und anagement )ategory
I)9A utual #und Awards 5/?? for agnum Income #und 0 #loating 9ate lan 0
Long Term lan
5/?/0I)9A utual #und Awards 5/?/ #or agnum Clobal #und
3&I has been the recipient of the I)9A online Award0 1 times, )B&) TD0 ?1, crisil
Award 5//80 : Awards, The Lipper Awards ;ear 5//105//@< and most recently with
the )B&) TD 0?1 )risil utual #und of the ear Award 5// and " awards for our
schemes. 3&I )ard, reaches three million milestone- 3&I )ard , a +oint venture
between state bank of India and CE oney, announced yet another Landmark
achievement of crossing the three million cardholders ark. 9oopam Asthana,
)E40 3&I )ard, 3aid,% This ilestone is even ore remarkable aswe have added one
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million cardholders in +ust ten months . 4ur ob+ective is to accelerate the pace of
growth by etending the benefits to a broader range of consumers in Tier II cities,
along with improved value propositions for the urban affluent customers.> 3&I )ard
recently signed up Indian cricketer
.IN+TITUTION INFORMATION
Hea( O"ce umbai
India
*es"$e http-**www.sbi.co.in*
No. o 0raches ?,///
No. o ATMs 5?///
LITERATURE RE)IE*
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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
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@< 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.
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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
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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$or' research! Eploratory research are conduct to resolve ambiguity.
(iffering mainly in design from descriptive research, eploratory research is used
principal to gain a deeper understanding of something. It allows the researcher to gain
a better understanding of the concept and provide direction in order to initiate a more
structured research.
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2 .Coclus"#e research! The findings and propositions developed as a conse!uence
of eploratory research might be tested and authenticated by conclusive research. This
kind of research study is especially carried out to test and validate formulated
hypotheses and specified relationship.
3. Descr"p$"#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!
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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 $ech"&ue-
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The sampling techni!ue will be probabilistic sampling more specifically the
random convenient and +udgemental sampling will be used. As in probabilistic
sampling the select unit for observation with known probabilities so that
statistically sound assumptions are supported from the sample to entire
population so that we had positive probability of being selected into the
sample. I will go for stratified random sampling as we are interested to study
the home loan by 3&I and B& banks, so we will make the strata on the basis
of age, occupation, income level, gender, and from each we will go for random
sampling.
In this study I have taken information from primary sources to get their
results. There I have got filled the questionnaire from the customers and
interpret their analysis.
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<ues$"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'
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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'
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
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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$"o=
Table Bo :.?.?
&usiness ?8
3tudents /
Covt .employee 5:
4ther /
House wife ?/
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B u s i n
e s s
S t u d e n t s
G o v t
. e m p l o y e e
O t h e
r
o u s e
! i " e
0
5
10
15
20
25
30
#igure Bo :.?.?
INTERRETATION!
• / of our respondents was students.
• 5: of the respondents were into government employees.
• ?8 of respondents were businessman.
• ?/ of our respondents were housewife.• Bone of respondents belonged to the category of others.
2; From ho9 ma' 'ears 'ou are assoc"a$e( 9"$h $h"s a7=
Table Bo :.?.5
Less than ? years ??
?0" years 58
ore than " ?7
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#ess th$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 "
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'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
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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.
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>; 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
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#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 /
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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
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(isagree ?/
3trongly disagree :
Stron-ly $-ree .-ree /is$-ree Stron-ly dis$-ree
0
5
10
15
20
25
30
#igure Bo :.?.
INTERRETATION!
• @ persons strongly agree that bank home loan processing is fast.
• 5 persons agree that bank home loan processing is fast.
• ?/ persons disagree that bank loan processing is fast.
• : persons strongly disagree that bank processing is fast.
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; Do 'ou sa$"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.
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B; Does $he cos$ o home loa "s appropr"a$e accor("6 $o 'our (ema('
Table Bo :.?.@
es 7"
Bo ?"
,es 'o0
5
10
15
20
25
30
35
40
#igure Bo :.?.@
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INTERRETATION!
• 7" persons said that home loan is appropriate according to their demand.
• ?" persons said that home loan is not appropriate according to their demand.
1; Are 'ou sa$"s"e( 9"$h $he emplo'ees eha#"our o $he a7=
Table Bo :.?.?/
3trongly agree 5?
Agree 5:
(isagree "
3trongly disagree /
Stron-ly $-ree .-ree /is$-ree Stron-ly dis$-ree
0
5
10
15
20
25
30
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#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
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#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 $he loa=
Table Bo :.?.?7
es 78
Bo ?:
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,es 'o
0
5
10
15
20
25
30
35
40
#igure Bo :.?.?7
INTERRETATION!
• 78 persons are satisfied by the time taken.
• ?: persons are not satisfied by the time taken.
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13; Ha#e 'ou ace a' (""cul$' (ur"6 $a7"6 $he loa=
Table Bo :.?.?7
es :?
Bo @
,es 'o
0
5
10
15
20
25
30
35
40
45
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#igure Bo :.?.?7
INTERRETATION!
• :? persons face difficulty during taking loan.
• 4nly @ persons does not face any difficulty during taking the loan.
14; *h"ch 6ra(e (o 'ou 9a$ $o 6"#e o home loa schemes o $he a7=
Table Bo :.?.?:
Ecellent 58
Cood ?@
Average "
&elow average /
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*ellent Good .ver$-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.
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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.
2; From ho9 ma' 'ears 'ou are assoc"a$e( 9"$h $h"s a7=
Table Bo :.5.5
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Less than ? years ?1
?0" years 5/
ore than " ?5
#ess th$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 ?/
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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.
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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
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#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!
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• 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 /
Stron-ly $-ree .-ree /is$-ree Stron-ly dis$-ree
0
5
10
15
20
25
30
35
40
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#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 @
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Stron-ly $-ree -ree /is$-ree Stron-ly dis$-ree
0
5
10
15
20
25
#igure Bo :.5.
INTERRETATION!
• " persons strongly agree that bank home loan processing is fast.
• 55 persons agree that bank home loan processing is fast.
• ?: ersons disagree that bank processing is fast.
@ persons strongly disagree that bank processing is fast.
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; Do 'ou sa$"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 /
Stron-ly $-ree -ree /is$-ree Stron-ly dis$-ree
0
5
10
15
20
25
30
35
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#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 $o 'our (ema(=
Table Bo :.5.@
es 7?
Bo ?@
,es 'o
0
5
10
15
20
25
30
35
#igure Bo :.5.@
INTERRETATION!
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• 7? persons said that home loan is appropriate according to their demand.
• ?@ persons said that home loan is not appropriate according to their demand.
1; Are 'ou sa$"s' 9"$h $he emplo'ees eha#"our o $he a7=
Table Bo :.5.?/
3trongly agree ?
Agree 58
(isagree
3trongly disagree /
Stron-ly $-ree -ree /is$-ree Stron-ly dis$-ree
0
5
10
15
20
25
30
#igure Bo :.5.?/
INTERRETATION!
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• ? 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.
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12; Are 'ou sa$"s' ' $he $"me $a7e " sac$"o"6 $he loa=
Table Bo :.5.?5
es :/
Bo ?/
,es 'o
0
5
10
15
20
25
30
35
40
45
#igure Bo :.5.?5
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INTERRETATION!
• There are :/ people says yes
• ?/ are said no.
13; Ha#e 'ou ace a' (""cul$' (ur"6 $a7"6 $he loa=
Table Bo :.5.?7
es :/
Bo ?/
,es 'o
0
5
10
15
20
25
30
35
40
45
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#igure Bo :.5.?7
INTERRETATION!
• :/ persons face difficulty during taking loan.
• 4nly ?/ persons does not face any difficulty during taking the loan.
14; *h"ch 6ra(e 'ou 9a$ $o 6"#e o home loa schemes o $he a7=
Table Bo :.5.?:
Ecellent 51
Cood ?"
Average
&elow average /
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*ellent Good .ver$-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.
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AFTER ANAL,+IN- THE <UE+TIONNAIRE OF THE+E T*O
0AN+ *E ARE INTERRATIN- THE +TUD, 0, +OME
COMARI+ON -RAH+
1; From ho9 ma' 'ears 'ou are assoc"a$e( 9"$h $h"s a7=
Table Bo :.?
a7s +0I N0
Less than ? year ?? ?1
?0" years 58 5/ore than " years ?7 ?5
#ess th$n 1 ye$r 1%5 ye$rs &ore th$n 5 ye$rs
0
5
10
15
20
25
30
SB)
'B
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#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
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#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 / /
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Stron-ly $-ree -ree /is$-ree Stron-ly dis$-ree
0
5
10
15
20
25
30
35
40
SB)
'B
#igure Bo :.7
I$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 : @
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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 " "
3trongly disagree / /
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Stron-ly $-ree -ree /is$-ree Stron-ly dis$-ree
0
5
10
15
20
25
30
35
SB)
'B
#igure Bo :."
I$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 "
3trongly disagree / /
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Stron-ly $-ree -ree /is$-ree Stron-ly dis$-ree
0
5
10
15
20
25
30
SB)
'B
#igure Bo :.8
I$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
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SB) 'B
0
5
10
15
20
25
30
35
40
45
50
,es
'o
#igure Bo :.
I$erpre$a$"o!
4ut of "/ respondents, :7 respondents of 3&I G :5 respondents of B& say yes their
bank give discount upon home loan service. And G 1 respondents say no that their
bank not give any discount upon home loan service.
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; Are 'ou sa$"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.
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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$"o!
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58 respondents of 3&I and 51 respondents of B& give ecellent grade to their
bank.?@ and ?" respondents give the good grade to their bank respectively." and
give the average grade where as none of the respondent who give the grade below
average to bank respectively.
1; Compare o home loa "$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.
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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.
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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< $hen we take loan there are maimum responsibilities of customer and some
people which have need the loan they have don%t take loan.
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CONCLU+ION
All the people are availing loan faculty from both the banks. Bo. of respondents of 3&I were "/ and "/ of B&. eoples are relating with 3&I more satisfy with the
interest rate as compare to B&. 3&I peoples much know about home loans then
B&. &oth B& and 3&I mostly offer mobile banking services. rocessing of 3&I is
fast then B&. eoples related with B& is more satisfy with the employee behaviour
as compare to 3&I. eople are more satisfied by 3&I after home loan service provided
by bank. #rom all this I conclude that 3&I bank rovide good home loan services as
compare to B& and many people%s are very satisfied from 3&I.
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0I0LIO-RAH,
/ourals oo7s
?< Up pal R. , =)ustomer perception of E banking services of Indian &anks, =The
I)#AI +ournal of &ank anagement, Dol, Dill, Bo. ? #ebruary 5//1 p.87.
5< erce"#e( ser#"ce &ual"$' 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+
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h$$p!::999.h(ca7.com:aou$s:(eoul$.h$m
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<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
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"< 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
@< (oes the cost of home loan is appropriate, according to your demand'
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'
a< 3trongly agree P Q b< Agree P Q
c< (isagree P Q d< strongly disagree P Q
??< Are you satisfy with employee behaviour of the bank'
a< 3trongly agree P Q b< Agree P Q
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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