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CONTENT
Page no.
Certificate from the Organization / Corporate Guide
Certificate from the Faculty Guide
Acknowledgement...0
!eclaration..0"
#$ecuti%e &ummary................................................................0'
(ntroduction..0)
Company Profile
Overview...0* History...0+
Competitors.......,0
Strength/Opportunity & weakness/Threats...,,
Different Prou!ts.....,
"wars & #e!ognitions $y S%........,"
(ntroduction to Ad%anced product..,)
"van!e Prou!t....,*
Statement the Pro$lem...*
#esear!h o$'e!tives....*
Signifi!an!e an s!ope...-
eearch methodology.+
Analyi of data...",
Finding &uggetion ecommendation...."1
(inings'0
Suggestion & #e!ommenation..... ',
Con!lusion'"
Anne$ure.''
2i3liography....'-
)
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AC45O67#!G#8#59
take this opportunity to e*press eep sense of gratitue to
tea!her of epartment of +%" for their en!ouragement an approval. "lso
we thank him in proviing the la$ fa!ility. ,e woul like to e*press our
sin!ere regars to him for avi!e an !ounseling from time to time.
have great pleasure in e*pressing our eep sense of gratitue to *y- of+%" Dept. for their invalua$le guian!e supervision an en!ouragement
throughout the work. ,ithout their kin patronage an guian!e the Pro'e!t
#eport woul not have taken shapes.
ast $ut not the least am thankful to my !ollege staff for their immense
support an patronage.
0un'an
Sa*ena +%" 1S2+
3
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!#C7AA9(O5
Here e!lare that the pro'e!t work entitle 4The !ustomer5sper!eption towars other "van!e Prou!t from S% !reit !ars6
whi!h is su$mitte in partial fulfillment of the re7uirement for the
awar of the egree of +aster of %usiness "ministration 8+%"9
program is a re!or of original work one $y me uner the
supervision of tea!her of0yan 0anga institute of Te!hnology an
S!ien!e :a$alpur. The present work is !ompletely original to the
$est of my knowlege.
0un'an Sa*ena
+%" 1S2+
;
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#:#C;9(
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(59O!;C9(O5
=
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CO8PA5= O
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&hareholding 7i?uidity @9ill "0th&ept. 0,'
%eserve Ban* of India is the largest shareholder in the ban* with "2.34 sta*e followed byoverseas investors including >)%s with 82.3:4 sta*e as on September /5. Indian financial
institutions held 8.74 while Indian public held !ust :.4 of the stoc*. %BI is the monetaryauthority and having ma!ority shareholding reflects conflict of interest. $ow the government isrectifying the above error by transferring %BIs holding to itself. Post this, SBI will have a furtherheadroom to dilute the >;Is sta*e from "2.34 to "8./4, which will further improve its &A%and Tier I ratio.
4ey Area of Operation
The business operations of SBI can be broadly classified into the *ey income generating areassuch as $ational Ban*ing, International Ban*ing, &orporate Ban*ing, Treasury operations.
?
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B(&9O=
The origin of the State Ban of !ndiagoes bac* to the first decade of the nineteenth centurywith the establishment of the Ban* of &alcutta in &alcutta on Cune 8:/5. Three years laterthe ban* received its charter and was re
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2uine
The business of the ban*s was initially confined to discounting of bills of e-change or othernegotiable private securities, *eeping cash accounts and receiving deposits and issuing andcirculating cash notes. ?oans were restricted to %s.one ?a*h and the period of
accommodation confined to three months only. The security for such loans was publicsecurities, commonly called &ompanyDs Paper, bullion, treasure, plate, !ewels, or goods Dnot ofa perishable natureD and no interest could be charged beyond a rate of twelve per cent. ?oansagainst goods li*e opium, indigo, salt woollens, cotton, cotton piece goods, mule twist and sil*goods were also granted but such finance by way of cash credits gained momentum only fromthe third decade of the nineteenth century. All commodities, including tea, sugar and !ute,which began to be financed later, were either pledged or hypothecated to the ban*. )emandpromissory notes were signed by the borrower in favour of the guarantor, which was in turnendorsed to the ban*. ?ending against shares of the ban*s or on the mortgage of houses,land or other real property was, however, forbidden.
Indians were the principal borrowers against deposit of &ompanyDs paper, while the businessof discounts on private as well as salary bills was almost the e-clusive monopoly ofindividuals =uropeans and their partnership firms. But the main function of the three ban*s, asfar as the government was concerned, was to help the latter raise loans from time to time andalso provide a degree of stability to the prices of government securities.
Firt Fi%e =ear Plan
In 82"8, when the irst ive ear Plan was launched, the development of rural India wasgiven the highest priority. The commercial ban*s of the country including the Imperial Ban* of
India had till then confined their operations to the urban sector and were not e+uipped torespond to the emergent needs of economic regeneration of the rural areas. In order,therefore, to serve the economy in general and the rural sector in particular, the All India %ural&redit Survey &ommittee recommended the creation of a state
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offices comprising branches, sub offices and three ?ocal 'ead ;ffices inherited from theImperial Ban*. The concept of ban*ing as mere repositories of the communityDs savings andlenders to creditworthy parties was soon to give way to the concept of purposeful ban*ing
subserving the growing and diversified financial needs of planned economic development.The State Ban* of India was destined to act as the pacesetter in this respect and lead theIndian ban*ing system into the e-citing field of national development.
CO8P#9(9O&
Competitor and other player in the fieldD
9op Performing Pu3lic &ector 2ank
Andhra Ban*
Allahabad Ban*
Pun!ab $ational Ban*
)ena Ban*
Ei!aya Ban*
9op Performing Pri%ate &ector 2ank
')& Ban*
I&I&I Ban*
AFIS Ban*
9ota* ahindra Ban*
&enturion Ban* of Pun!ab
9op Performing Foreign 2ank
&itiban*
Standard &hartered
)B
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'SB& Ban*
AB$ A%; Ban*
American =-press
&9#5G9B/OPPO9;5(9(#&
The growth for SBI in the coming years is li*ely to be fueled by the following factorsG
H &ontinued effort to increase low cost deposit would ensure improvement in $Is andhence earnings.
H >rowing retail S=s thrust would lead to higher business growth.
H Strong economic growth would generate higher demand for funds pursuant to highercorporate demand for credit on account of capacity e-pansion.
6eakne/9hreat
The ris*s that could ensue to SBI in time to come are as underG
H SBI is currently operating at a lowest &A%. Insufficient capital may restrict the growthprospects of the ban* going forward.
H Stiff competition, especially in the retail segment, could impact retail growth of SBI andhence slowdown in earnings growth.
H &ontribution of retail credit to total ban* credit stood at 54. Significant thrust on growingretail boo* poses higher credit ris* to the ban*.
H )elay in technology upgradation could result in loss of mar*et shares.
H anagement indicated a li*ely pension shortfall on account of AS
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!(FF##59 PO!;C9& OF &2(
DEPOS!T "OANS CARDS D!##ERENT CRED!TCARDS
Savings
Account
'ome
?oans
&onsumer
&ards
SBI International
cards
?ife Plus
Senior&iti#ensSavingsAccount
?oan
AgainstProperty
&redit &ard SBI >old cards
i-ed
)eposits
Personal
?oans
Travel &ard SBI >old aster
cards
Security
)eposits
&ar ?oan )ebit &ards our &ity our
&ards
%ecurring
)eposits
?oans
againstSecurities
&ommercial
&ards
Ta-
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Account inance &ards
PeopleDs
Savings
Account
Business
Installment
?oans
Business
&ard
SBI Advantage
&ards
reedom
SavingsAccount
le-i &ash erchant
Services
);
http://www.icicibank.com/Pfsuser/icicibank/depositproducts/ruralsav/rural_fea.htmhttp://www.icicibank.com/Pfsuser/loans/FarmerFinance/ffhomepage.htmhttp://www.icicibank.com/Pfsuser/cards/Distribution_Cards/Distribution_Cards.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/peoplesav/people_fea.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/peoplesav/people_fea.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/peoplesav/people_fea.htmhttp://www.icicibank.com/Pfsuser/cards/com_card/bus_card/bus_card.htmhttp://www.icicibank.com/Pfsuser/cards/com_card/bus_card/bus_card.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/bank_atm/bank_atm.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/bank_atm/bank_atm.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/bank_atm/bank_atm.htmhttp://www.icicibank.com/Pfsuser/loans/flexicash/fchomepage.htmhttp://www.icicibank.com/pfsuser/cards/creditcard/merchant.htmhttp://www.icicibank.com/pfsuser/cards/creditcard/merchant.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/ruralsav/rural_fea.htmhttp://www.icicibank.com/Pfsuser/loans/FarmerFinance/ffhomepage.htmhttp://www.icicibank.com/Pfsuser/cards/Distribution_Cards/Distribution_Cards.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/peoplesav/people_fea.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/peoplesav/people_fea.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/peoplesav/people_fea.htmhttp://www.icicibank.com/Pfsuser/cards/com_card/bus_card/bus_card.htmhttp://www.icicibank.com/Pfsuser/cards/com_card/bus_card/bus_card.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/bank_atm/bank_atm.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/bank_atm/bank_atm.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/bank_atm/bank_atm.htmhttp://www.icicibank.com/Pfsuser/loans/flexicash/fchomepage.htmhttp://www.icicibank.com/pfsuser/cards/creditcard/merchant.htmhttp://www.icicibank.com/pfsuser/cards/creditcard/merchant.htm7/24/2019 Summer Project on Sbi 124654
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)
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)=
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(59O!;C9(O5 9O 9B#
A!
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Ad%ance Product
$ow a day not all the people have the capacity to fulfill their re+uirement by their own earning,thats why they need help from others. or this so many government private sector ban*provide them money to fulfill their re+uirement, thats call the Advance Product 0loan product1 ofthe ban*. All the ban*s have so many different types of advance product as per the re+uirementof the people or customers. In ahasamund also there are so many ban*s those provide loanto the people for different causes.
9ype of Ad%ance Product
'ome ?oan
=ducational ?oan
&ar ?oan
Personal ?oan
Property ?oan
?oan Against Shares)ebentures
=tc.
$ow a day a large no. of people are ta*ing loan form different ban*s. It helps people to fulfilltheir need and it really easy to repayment the loan amount with a longer repayment period.
)?
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&2( Ad%ance Product
&2( Bome 7oan
Purpoe
PurchaseJ &onstruction of 'ouseJ lat
Purchase of a plot of land for construction of 'ouse
=-tensionJ repairJ renovationJ alteration of an e-isting 'ouseJ lat
Purchase of urnishings and &onsumer )urables as a part of the pro!ect cost.
Ta*eover of an e-isting loan from other Ban*sJ 'ousing inance &ompanies.
Eligi$ility
%inim&m age8: years as on the date of sanction
%a'im&m agelimit for a 'ome ?oan borrower is fi-ed at 3/ years, i.e. the age by which theloan should be fully repaid.
Availability of sufficient, regular and continuous source of income for servicing the loanrepayment.
"oan Amo&nt
6/ to 5/ times of $I, depending on repayment capacity as 4 of $I as under K
$et Annual Income =IJ$I %atio
(pto %s. lacs 6/4
Above %s. lac to %s. " lacs "/4
Above %s. " lacs ""4
To enhance loan eligi$ility yo& ha(e o)tion to add*
+. !ncome of yo&r s)o&se,your sonJ daughter living with you, provided they have a steadyincome and hisJ her salary account is maintained with SBI.-. E')ected rent accr&als0less ta-es, cess, etc.1 if the houseJ flat being purchased isproposed to be rented out.. De)reciation, sub!ect to some conditions./. Reg&lar incomefrom all sources
)@
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%argin0Special estival Season ;ffer1
PurchaseJ &onstruction of a new 'ouseJ latJ Plot of landG 8"4 for loans up to %s. 8 cr.,
/4 for loans above %s. 8 cr.
%epairsJ %enovation of an e-isting 'ouseJ latG 8"4
!nterest Rates 0.e.f -1.-.-223
#loating interest rates4lined to State Ban Ad(ance Rate 5 SBAR6
4SBAR* +-.-78 ).a.6
?oan Tenor
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Eligi$ility
To avail an SBI &ar ?oan, you should be G
Individual between the age of 8
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%argin
$ew J (sed vehiclesG 8"4 of the on the road price.
Re)ayment
ou en!oy the longest repayment period in the industry with us.%epayment periodGor SalariedG a-imum of :6 monthsor Self
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above1
(pto 7 years 0for loans below %s. 3." lac1 At SBA% i.e. 8."4 p.a.
Above 7 yrs up to " yrs 0for all loans1 At SBA% i.e. 8."4 p.a.Above " yrs up to 3 yrs 0for all loans1 /."4 above SBA% i.e. 8."/4 p.a.
#!;CA9(O5 7OA5
A term loan granted to Indian $ationals for pursuing higher education in India or abroad where
admission has been secured.
Eligi$le Co&rses
All courses having employment prospects are eligible.
>raduation coursesJ Post graduation coursesJ Professional courses
;ther courses approved by (>&J>overnmentJAI&T= etc.
E')enses considered for loan
ees payable to collegeJschoolJhostel
=-aminationJ?ibraryJ?aboratory fees
Purchase of Boo*sJ=+uipmentJInstrumentsJ(niforms
&aution )epositJBuilding undJ%efundable )eposit 0ma-imum 8/4 tution fees for the
entire course1
Travel =-pensesJPassage money for studies abroad
Purchase of computers considered necessary for completion of course
&ost of a Two
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!nterestRates40ith effect from +st >&ne -2236
or loans up to %s.6 lacs < 88.3" 4 p.a. loating
or loans above %s. 6 lacs and upto %s.3."/ lacs < 87." 4 loatingor loans above %s.3."/ lacs < 8."4 p.a. loatingProcessing #ees
$o processing feeJ upfront charges
)eposit of %s. "///J< for education loan for studies abroad which will be ad!usted in the
margin money
Re)ayment Ten&re
%epayment will commence one year after completion of course or 5 months after securing a!ob, whichever is earlier.
Place of St&dy "oan Amo&nt Re)ayment in Period?ears
Studies in India %s. 8/./ lacs "uarantee. The ban* may, at its discretion, ine-ceptional cases, weive third party guarantee ifsatisfied with the net
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Tangible collateral security of suitable value, alongwith the assignment of future income of the studentor payment of installments.
All loans sho&ld $e sec&red $y )arent4s6,g&ardian of the st&dent $orro0er. !n case ofmarried )erson= co5o$ligator can $e either s)o&se or the )arent4s6, )arents5in5la0
%argin
or loans up to %s.6./ lacs G $o argin
or loans above %s.6./ lacsG
o Studies in IndiaG "4
o Studies AbroadG 8"4
Doc&mentation Re:&ired
&ompleted =ducation ?oan Application orm.
ar* sheets of last +ualifying e-amination
Proof of admission scholarship, studentship etc
Schedule of e-penses for the specified course
passport si#e photographs
BorrowerDs Ban* account statement for the last si- months
Income ta- assessment order, of last years
Brief statement of assets and liabilities, of the &o
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purchase of assets etc.1
Eligi$ilityou are eligible if you are a Salaried individual of good +uality corporate, self employed
engineer, doctor, architect, chartered accountant, BA with minimum years standing.
Salient #eat&res"oan Amo&ntour personal loan limit would be determined by your income and repayment capacity.inimumG %s.6,///J< in metro and urban centres%s.8/, ///J< in ruralJsemi
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Eligi$ilityou are eligible if you areG
A. An individual who isa. An =mployee orb. A Professional, self
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Eligi$ilityThis facility is available to our e-isting individual customers en!oying a strong relationship withSBI. This loan could be availed either singly or as a !oint account with spouse in D=ither orSurvivorDJ Dormer or SurvivorD mode. It is offered as an ;verdraft or )emand ?oan.
The facility is available at "/ select centers.
Salient #eat&res*P&r)ose
or meeting contingencies and needs of personal nature. ?oan will be permitted for subscribingto rights or new issue of shares J debentures against the security of e-isting shares Jdebentures. ?oan will not be sanctioned for 0i1 speculative purposes 0ii1 inter
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SBI ain Branch, ahasamund want to *now about the customer perception about the
advance product provide by them to the people. To find out what *ind of service provide by the competitors in advance product.
To find out the need of the customer and hence formulate the strategy to level the
economy in the society. 'ow the products are helping the customer.
To *now the utility of the product.
To find out the need of the customer in ahasamund region and introduce new product
or facilitate new service in e-isting product.
#ACB O2#C9(
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&(G5(F(CA5C# A5! &COP#
The geographical scope of the study is restricted to ahasamund only with sample si#e of ///people.
All the analysis and suggestions are based on the analysis of the both primary and secondarydata.
Therefore the scope of the study revolves around the following aspectsG
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'. 6hich 3ank you prefer for taking loanH
&2(
+)I @,+00
(C(C( -I @,'0
B!FC I @'0
O9B# ,I @0
9O9A7 5O. OF P#OP7# 000
85%
12% 2% 1%
Sales
SI
I!I!I
"#F!
OT"ER
According to my sample si#e :"4 of people prefer SBI for loan product, but some people prefer
I&I&I, ')& or ;T'=% Ban* for loan because they are wor*ing with that ban* it is easier for
them to get loan from their ban* it easier for them to pay the interest because it is less as
compare to other ban* because they are the employee of that ban*.
;?
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). (f you prefer &2( for taking loan than what influence you to take 7oan from &2(H
ost of the people said that they prefer SBI for ta*ing loan because of the transparency and the
lowest interest rate for any *ind of loan product. And it is easy to get loan from SBI as compare
to other ban* because less paper wor* is re+uire and as it is the largest govt. ban* in India and
having partnership with %BI 0%eserve Ban* of India1 and other association, it is easier for SBI to
give loan to people with a longer repayment period.
.* 6hich loan product of &2( you ha%e uedH
BO8# 7OA5 '-I @+'*#!;CA9(O5A7 7OA5 0I @"*0
CA 7OA5 ,)I @-0
P#&O5A7 7OA5 ,0I @,+0
O9B# +I @,''
9O9A7 5O. OF P#OP7# ,+00
$%
20%
15%
10%8%
Sales
"O&E LO'N
E#(!'TION'LLO'N
!'R LO'N
PERSON'L LO'N
OT"ER
rom the sample si#e :"4 of people are using the SBI loan product. rom the 8:// people
634 of people too* home loan from SBI. /4 of people too* education loan for their children,
8"4 of people too* car loan from SBI. Some of the customer too* type of loan from SBI li*eboth car educational loan and home car loan. 8/4 of people too* personal loan.
;@
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-. 6hat do you feel a3out the er%ice pro%iding 3y &2( in ad%ance productH
2ad 0I @0
&atifactory I @'0
Good ))I @,,00
#$cellent '"I @+*0
9O9A7 5O. OF P#OP7# 000
2%
55%
$3%
!(STO&ER PER!EPTION TO)'R#S T"E SER*I!E PRO*I#E Y SI IN '#*'N!E PRO#(!T
'#
S'TISF'!TORY
+OO#
E,!ELLENT
rom this it is clear that the service provide by SBI in its advance product is good in betweenthe customer. All of them satisfy with the product provide by SBI. ""4 of people said that the
service provide by SBI is good 674 said it is e-cellent !ust 4 of people said that it issatisfactory.
;A
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+. 6hich feature you like mot in 7oan egment of &2(H
7#&& PAP# 6O4 "I @*0
A99AC9(
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ost of the people li*e the attractive interest rate longer repayment period. Its easier forpeople to repay the whole loan amount with its interest with low interest rate and with longerrepayment period.
F(5!(5GCO88#5!A9(O5& A5!
&;GG#&9(O5&
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PO#C9 F(5!(5G&
rom this pro!ect it is found that SBI advance product having the 8 stplace in the mar*et
at ahasamund, there is a great opportunity to compete with I&I&I Ban* to retain its
customer by fulfilling the re+uirement of customer in SBI advance product. It has been observed that appro-imately :"4 correspondents are using advance
product of SBI and 8"4 are not using any type of advance product of SBI in
ahasamund. All of SBI customers are satisfied with the services provided by the ban*.
any of these customers satisfied with the low interest rate and longer repayment period
of the advance product.
ost of the customers at ahasamund prefer to ta*e loan from SBI. Appro-imately 674 of advance product users said that the service of SBI in advance
product is e-cellent. A response from customer care is so clear good.
any customers have no time to call customer care so that they are not able to *now
about the service features of SBI advance product. ost customers are shifted from other ban*s advance product to SBI because of hidden
charges, high interest rate, less repayment period. >overnment employees are more concern than private employees for advance product.
#A&O5& FO B(GB7= ; OF &2( A!
?;$>=% %=PA=$T P=%I;)
Q(I&9 P%;&=SSI$>
&;GG#&9(O5 #CO88#5!A9(O5
ecommendation
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&ustomer awareness programme is re+uired so that more people should attract towards
advance product. If there are any *ind of hidden charges than that must disclose to customer before giving
loan to them. SBI must ta*e some steps so that customers can get their loan in time. ?i*e phone
verification by customer care that one customer is got their loan on time or not .It must
be before a certain date so necessary steps can be ta*en. SBI should more concern about physical verification rather than phone verification so it
will avoid fraud or cheating.
Advance product selling agents must not give any type of wrong information regarding
advance product.
or the better service new offers would be re+uire.
SBI customer care should more concern about the fastest settlement of customer
problems.
Before deducting or charging any monetary charge SBI must consult with customer.
Agents should be trained, well educated proper trained to convince the people about
different advance product.
It is the duty of the ban* to disclose all the material facts regarding advance product, li*e
interest charged, repayment period, other types of charges, etc. Special scheme should be implemented to encourage both customer and agents.
The ban* should increase the period for repayment of loan.
SBI should more focus on %etaining e-isting customers.
SBI must focus on Segmentation based on customer *nowledge Product offering based
on customer demand.
SBI must ta*e feedbac*s of customers regarding features services.
&uggetion gi%en 3y the conumer at the time of ur%ey
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There is more time period for repayment of education loan.
0 $amrata )as 1
=ducation loan should be providing to private college also which is not under AI&T= or
any *ind of (niversity.
0 Pina*i Bal 1
SBI should ta*e steps to solve customer problems immediately.
0 >opinath ahapatra 1
Agents should be trained, well educated proper trained to convince the people about
different advance product.
0P.Anish $ath1
?oan sanction date should be according to customer convenient.
0Coytirmaya Behera1
A customer awareness programme should be ta*ing place in rural area.
CO5C7;&(O5
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rom the analysis part it can be conclude that customers have a good respond towards SBI
advance products in ahasamund. SBI is in 8stposition having large number of customers
providing good services to them. The ban* has a wide customer base, so the ban* should
concentrate on this to retain these customers.
In present scenario SBI is the largest advance product issuer in India. @ithin a very short period
of time the achievement made by SBI is e-cellent, what a normal ban* cannot e-pect, but it is
being done by SBI. It happens due to employee dedication towards the organi#ation, fastest
growing Indian economy, brand image.
To be the largest advance product issuer, SBI should focus on?????????????