Customer Satisfaction Bank Loan

7/31/2019 Customer Satisfaction Bank Loan

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A

Research Project Report

Titled

Customer Satisfaction on Public And Private Bank Loan

Submitted in partial fulfillment for the

Award of degree of

Master of Business Administration

2010-2012

Global Institute of Technology

Sitapura, Jaipur (Raj)-302022

Submitted To: Submitted By:

Mrs.Mamta Soni Mahendra Singh Rathore

(Ast.professor) (MBA IV SEM)


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DECLARATION

Hereby I declare that the project report titledCustomer Satisfaction OnPublic And Private Bank Loansubmitted for the awarded degree of

MASTER OF BUSINESS AMINISTRATION, is my original work and the

project report has not formed the basis for the award of any diploma,

degree, associate ship, fellowship or similar other titles. It has not been

submitted to any other university or institution for the award of any degree

or diploma.

Date: Mahendra Singh Rathore

Place: MBA Sem IV

(Finance)


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GLOBLE INSTITUTE OF TECHNOLOGY, JAIPUR

CERTIFICATE OF PROJECT STUDY

Certified that Mr. MAHENDRA SINGH RATHORE,student of Master of

Business Administration, IV semester has submitted his report Customer

Satisfaction On Public And Private Bank Loan. after successfully

completing the Project towards fulfillment of the syllabus requirement

prescribed by Rajasthan technical University, Kota for MBA IV semester

paper.

Mrs.Mamta Soni

( Ast. Professor)


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ACKNOWLEDGEMENT

Every task that is undertaken should be started by offering prayers to the

Almighty and taking blessings from the elders. In addition, following the

completion of the task, it should end by acknowledging those who extended

their time, efforts, and assistance towards the completion of this research

report.

I would like to take this opportunity to express my sincere thanks to my

Institute teachers, Mrs.Mamta Soni for giving me an opportunity to write

this research project and report my findings. Without their guidance and

direction, it would not be possible to complete this report. I would also like

to thank other faculty members of the GIT community for providing me

guidance to carry out my research project effectively and efficiently. I

extend my thanks to all teaching and non-teaching staff that were always

ready to help me to reach my task.

I would also like to thank Mr. VidhuMathur (HOD), for their help and

cooperation throughout our project

I am indebted to my parents, friends and relatives for their physical,

psychological and moral support extended by them at all time.

MAHENDRA SINGH RATHORE

(GIT)


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INDEX

Declaration

Certificate

Preface

Acknowledgement

List Of Content

(1) Banking in India

Home loan

Car loan

Education Loan

(2)Introduction of Public bank

State Bank of India

State Bank Of Mysore

Punjab National Bank

Allahabad Bank

Bank Of Baroda

Bank Of Maharashtra

IDBI bank

(3 ) Introduction Of Private Bank

HDFC Bank

Kotak Mahindra Bank

ICICI Bank


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BANKING IN INDIA

Central bank - Reserve Bank of India

Nationalized Banks-

Allahabad Bank ,Andhra Bank, Bank of Baroda ,Bank of India, Bank of

Maharashtra, Canara Bank, Central Bank of India, Corporation Bank, Dena

Bank, IDBI Bank, Indian Bank, Indian Overseas Bank, Oriental Bank of

Commerce, Punjab & Sind Bank, Punjab National Bank, Syndicate Bank,

UCO Bank, Union Bank of India, United Bank of India, Vijaya Bank, State

Bank of India, State Bank of Bikaner & Jaipur, State Bank of Hyderabad,

State Bank of Indore, State Bank of Mysore, State Bank of Patiala, State

Bank of Travancore, State Bank of Saurashtra.

Private Banks-

Axis Bank Catholic Syrian Bank Dhanalakshmi Bank South Indian Bank

City Union Bank Federal Bank HDFC Bank ICICI Bank IndusInd Bank ING

Vysya Bank Jammu & Kashmir Bank Karnataka Bank Limited KarurVysya

Bank Kotak Mahindra Bank Lakshmi Vilas Bank Nainital Bank RatnakarBank Saraswat Bank Tamilnad Mercantile Bank Limited Yes Bank

Development Credit Bank.


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Foreign Banks-

ABN AMRO Abu Dhabi Commercial Bank Antwerp Diamond Bank Arab

Bangladesh Bank Bank International Indonesia Bank of America Bank of

Bahrain and Kuwait Bank of Ceylon Bank of Nova Scotia The Bank of

Tokyo-Mitsubishi UFJ Barclays Bank Citibank India Credit Suisse HSBC

Standard Chartered Deutsche Bank Royal Bank of Scotland.

Regional Rural Banks-North Malabar Gramin Bank South Malabar Gramin Bank PragathiGramin

Bank ShreyasGramin Bank.

Financial Services-

Real Time Gross Settlement (RTGS) National Electronic Fund Transfer

(NEFT) Structured Financial Messaging System (SFMS) CashTreeCashnet

Automated Teller Machine (ATM) De-Materialisation (DEMAT) Foreign

Exchange (FOREX).


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INTRODUCTION OF BANK LOAN

Loan is called the convention that one of the parties (lender) transfers to

another (debtor) the ownership of things (cash or securities normally) and

the debtor has the obligation to repay the things of the same quality and

quantity of paying or not interest on the loan. The loan taken by the debtor

to cover needs that cannot meet with current revenue. Moreover, the loan

is a form of capital by companies for the expansion of their business.

As loans are becoming growingly more accessible via the Internet and

expert loan companies are more willing to consider providing loans for

people with a bad credit history, now is a good time to borrow money for

home improvement or that new car. But, with the wide selection of loans

available, how do you go about choosing the right type of loan for your

needs?

Types Of Loan Options-

Short term loans, if made for a period of less than one year, medium

term loans for no longer than five years, a long term loans for more

than five years and with no refund deadline, but redeems the firstrequest.

Private and public loans when the debtor is the state or public

agencies or private individuals and companies.


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Consumer loans if carried out to meet current consumer demands

and effectively as regards to financing business.

Internal loans, when events in the internal and external financial

market if carried out with other countries or international

organizations in foreign currency.

There are also with interest, interest-free and fixed interest loans. A reallygood kind of loans is the debenture. The company that enters into a

debenture loan divide the amount of money to be borrowed in equal parts

or unevenly and issue securities and bonds are asked whose nominal

value is equal to the value of those units. Then the company will deliver

bonds to seeking (lenders), following payment of a sum of money from

them, that corresponds to the value of bonds.


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Why Is Collateral Required For Secured Loans?

The definition of a secured loan is that the quantity lent is done so with the

promise that should the borrower default on payments the lender gains

legal control over the collateral on which the loan is secured with the

purpose of recovering the funds lost. For example, if you want to borrow

$100,000 then the loans company would need something belonging to the

owner that has a minimum resale value of $100,000 to be used as

collateral. For most individuals this would be their home or the equity intheir home if they are getting a second mortgage loan or if the loans are

additional to a first mortgage.

Therefore, the only real limit to how much you can borrow on a secured

loan all depends on the amount of collateral you could put forward to the

lender. In the event that you default on repayments on a secured loan the

lender will assume legal title to your collateral and put it up for

sale. Lenders certainly will only want to reclaim the money owed to them,

Sdespite the right market value of the collateral. It is because of this that

high value items like homes and motor vehicles can be found at discounted

prices in liquidation auctions.


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HOME LOAN

In the recent years, the demand of home loans has increaseddramatically. Part of the reason for this increase is because the

accessibility of loans has gotten bigger. Today, home loans are available

in the market at very low and good rates that meet the demands of many

home buyers.

A home represents the largest asset that typically people have and this is

why home loans have such a huge impact in the loan market today. When

a person purchases a home, he or she will be investing a huge amount of

cash. Many people cant come up with the whole money to pay out the

house, while some others cant even afford to invest money for the house

they will like to purchase. In part, this is how home loans have turned out

to be a benefit for people, who want to buy the home of their choice, but

cannot afford it at the time.

Nowadays home buyers dont have to worry much about the source of

money for their homes. Home loans have made the life of many house

buyers much easier .But house buyers should be very careful when

choosing a home loan. Before doing anything else, borrowers should make

a thorough research of the current interest rates in the market, and then opt

or go for any home loan. Buyers could even go for home loans, by

undertaking mortgages. This way ,the borrowers can get a loan after

pledging or securing any asset or securities of their own, against amount of

money borrowed by them.


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When getting a home loan, the individuals should consider taking care of

different aspects related to the home loan. An individual should be very

careful when deciding the principal amount of the home loan being

borrowed. Or else, the person may end up with a very high principle

amount and then he or she will have to pay more interest for the money

being borrowed unreasonably.

Something else a buyer should consider is the interest factor associated

with every home loan. Interest is surely an unnecessary burden that

comes attached with the home loan. Interest is that additional amount that

the borrowers have to pay, for borrowing the loan from the lender. The

main idea is for a borrower to accept the loan with the lowest interest rates

possible. In order for this to happen, the person should do a complete

research of the current interest rates in the market so that he wont end up

getting cheated by the home loan lenders. Also, borrowers should take the

aspect of the term in consideration, or they might end up paying or

repaying the loan for 30 to 35 years, for the reason that the loan conditions

had stated that the principal amount will have to be repaid on fixed amount

over a 30 year installment basis.

Home loans could be a great advantage for people, but only if the right

choice is carefully.


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CAR LOAN

A car loan is a loan taken to buy an automobile. You can use a car loan for

any vehicle of your choice. Buying a new car is one of the biggest

purchases many people are likely to make throughout their life. Besides

their home and maybe their education, there isn't actually much personal

expenditure that could compare in size to the purchase of a new car.

Therefore it is no surprise that most people are not able to afford paying for

a car outright. This is the case even when they have a real nice income. It

is a simple fact of life that in order to buy a new car, most people will haveto use a car loan to do so.

If you're thinking about taking out a car loan to finance the purchase of a

new car, then you may want to make sure you're entirely aware of all the

car financing options that are available to so that you can get the best deal

available. It is very possible that the car dealer that is selling you the auto

will have some sort of financing alternatives available for you. This may be

in the shape of a loan to purchase a car or leasing options that are also

available.

You should make sure you fully understand the crucial difference between

a loan and a leasing arrangement. With a loan, you are borrowing the

money so you can purchase the car. With a lease, you only paying for the

use of the car, and at the end of the leasing period, you simply will return

the car and that is the end of the arrangement.


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There are certain leases that will offer you a choice to buy the car at the

end of the leasing term. If you borrow the whole amount to buy the car, it is

likely that your monthly repayment amounts on the auto loan will be higher

than those for a lease, this is since you're paying for the full price of the car

and at the end of this period, after you have made all the repayments on

the term of the loan, you will become the owner of the car.

There are many factors that you may want to see when making a decision

about which car loan to opt for. Firstly, you should understand that you do

not have to accept the financing choices that the dealer offers you. You

could also shop around with other lenders, such as banks, and ensure you

get the best deal on offer


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STUDENT OR EDUCATION LOAN

If youre planning on attending a University, then you should learn how the

student loan process works. Unless they can afford to make full payments,

many students take out a student loan during their study to help them pay

for their school fees and living expenses. If youre confused or not sure how

student loans work, then this guide will help you understand the process.

How Are The Loans Paid Back?

Student loans are usually paid in three installments every year, once each

term. The initial payment is typically made by a check, and after that

payments will go directly into your bank account.

How Much Loan Money Can I Receive?

The amount of money you can receive depends on different factors, such

as where in the country you are going to attend University and the financial

status of you and your family. You could opt to take a fixed amount per

year, you could be income assessed and the highest amount you can

obtain will be determined. Usually, you can get as little or as much of this

amount as you want. The average amount a student can get per year

ranges anywhere from $1,500 to $5,000, depending on your financial

status.


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How Do I Pay Back The Loan?

You will start paying back your student loan after you have finished

University. However, you are not required to repay money right at this

time. You only need to start making payments after you are earning above

$15,000 per year, calculated on a monthly basis. The amount you use for

paying back your student loan will be taken out from your wages at a

sliding rate. You are more than welcome to pay more than this amount if

you want, by sending money to the proper authority.

What Is The Interest When Paying Off Student Loans?

Student loans interest is subsidized by the Government so that you are

only paying back the exact amount that you borrowed, adjusted for

inflation. No matter how long it takes you to pay back the loan, you will

only pay back the same amount in real terms that you borrowed.

What Are The Advantages Of Taking Out A Student Loan?

One of the biggest advantages of taking out a loan is that you will be able

to have money to pay for your living costs, while you can concentrate on

your studies, rather than having to work to earn money. This way you can

study more, get better grades and take more free time for yourself. Also,

getting an interest free loan is much better than falling into debt due to highinterest credit cards. These debts are way more serious and if theyre not

paid back soon, they will increase.


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Are There Any Disadvantages With Student Loans?

The most obvious disadvantage of getting student loans is that you will get

a large amount of debt when you come out of University. This might be a

problem at first, but remember that you will not be paying interest and so

your debt will not rise. Also, you should be able to get a higher paying job

after you graduate, since you now have a degree. This will help you pay off

your loan quicker. To make it easier for you, think of a student loan as an

investment that will help you achieve your career goals for your future.


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INTRODUCTIONOF

PUBLIC BANKS


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STATE BANK OF INDIA

The State Bank of India, popularly known as SBI, is one of the leading

banks in India. The bank traces its origin to the first decade of the 19th

century. Later on, it was merged with the Imperial Bank. In the year 1955,

the Government of India nationalized the Imperial Bank along with the

Reserve Bank of India. Ever since that time, the bank acquired its present

namethatissbi

The State Bank of India is India's largest commercial bank. The bank has

been striving sincerely to adhere to the efforts of providing utmost customer

satisfaction to the best possible extent.

SBI provides a range of banking products through its vast network of

branches in India and overseas, including products aimed at non-resident

Indians (NRIs). The State Bank Group, with over 16,000 branches, has the

largest banking branch network in India. SBI has 14 local head offices

situated at Chandigarh, Delhi, Lucknow, Patna, Kolkata, Guwahati (North

East Circle), Bhuwaneshwar, Hyderabad, Chennai, Trivandram, Banglore,

Mumbai, Bhopal & Ahmedabad and 57 Zonal Offices that are located at

important cities throughout the country. It also has around 130 branches

overseas.

SBI is a regional banking behemoth and is one of the largest financial

institutions in the world. It has a market share among Indian commercial

banks of about 20% in deposits and loans.[3] The State Bank of India is the

29th most reputed company in the world according to Forbes.[4] Also, SBI

is the only bank featured in the coveted "top 10 brands of India" list in an


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annual survey conducted by Brand Finance and The Economic Times in

2010.[5]

The State Bank of India is the largest of the Big Four banks of India, along

with ICICI Bank, Punjab National Bank and HDFC Bankits main

competitors.[6]SBI provides a range of banking products through its vast

network of branches in India and overseas, including products aimed at

non-resident Indians (NRIs). The State Bank Group, with over 16,000

branches, has the largest banking branch network in India. SBI has 14 local

head offices situated at Chandigarh, Delhi, Lucknow, Patna, Kolkata,

Guwahati (North East Circle), Bhuwaneshwar, Hyderabad, Chennai,

Trivandram, Banglore, Mumbai, Bhopal & Ahmedabad and 57 Zonal

Offices that are located at important cities throughout the country. It also

has around 130 branches overseas.

SBI is a regional banking behemoth and is one of the largest financial

institutions in the world. It has a market share among Indian commercial

banks of about 20% in deposits and loans.[3] The State Bank of India is the

29th most reputed company in the world according to Forbes.[4] Also, SBI

is the only bank featured in the coveted "top 10 brands of India" list in an

annual survey conducted by Brand Finance and The Economic Times in

2010.[5]

The State Bank of India is the largest of the Big Four banks of India, along

with ICICI Bank, Punjab National Bank and HDFC Bankits main

competitors.[6]


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Main Branch of SBI in Mumbai.

SBI has five associate banks; all use the same logo of a blue circle and all

the associates use the "State Bank of" name, followed by the regional

headquarters' name:

Associate banks

State Bank of Bikaner & Jaipur

State Bank of Hyderabad

State Bank of Mysore

State Bank of Patiala

State Bank of Travancore

Type - Public

Traded as - NSE: SBIN

BSE: 500112

LSE: SBID

BSE SENSEX Constituent

Industry - Banking, Financial services

Founded -July 1, 1955

Headquarters - Mumbai, Maharashtra, India


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Area served -Worldwide

Key people - PratipChaudhuri

(Chairman)

Products - Credit cards, Consumer banking, corporate banking,

finance and insurance, investment banking, mortgage loans, private

banking, wealth management

Revenue - US$32.44 billion (2011)[1]

Profit - US$2.34 billion (2011)[1]

Total assets - US$369.56 billion (2011)[1]

Total equity - US$18.71 billion (2011)[1]

Owner(s) - Government of India

Employees - 222,933 (2011)[1]

Website - www.statebankofindia.com
http://www.statebankofindia.com/http://www.statebankofindia.com/http://www.statebankofindia.com/


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Products & Services

Personal Banking

NRI Services

Agriculture

International

Corporate

SME

Domestic Treasury


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State Bank of Mysore

Key people - Managing Director Mr. DilipMavinkurve

Products - Loans, Credit Cards, Savings, Investment vehiclesState Bank

of Mysore

Type - Public company (BSE,

Bangalore Stock Exchange &

Chennai Stock Exchange)

Industry - Banking, Insurance, Capital Markets and allied industries

Founded - Mysore, 1913 (as Mysore Bank)

Headquarters - Head Office,

Bangalore

Products - Loans, Credit Cards, Savings, Investment vehicles

State Bank of Mysore (SBM) is an associate bank of State Bank of India,

offering a range of financial products and services to its customers across

the nation. Founded in 1913 under the patronage of Government of Mysore

as Bank of Mysore Ltd, State Bank of Mysore became an associate of SBI

in March 1960 with SBI holding 92.33% of shares. The State Bank of

Mysore has its shares listed in various stock exchanges like Mumbai,

Chennai and Bangalore.

In 1913, at the instance of Sir M. Visvesvaraya, the Engineer Statesman, a

state aided Bank, under the patronage of His Highness the Maharaja of

Mysore, Sri KrishnarajaWodeyar IV, was established.This was "MYSORE


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BANK LTD". During 1953, "Mysore Bank" was appointed as an agent of

Reserve Bank of India to undertake Government business and treasury

operations, and in March 1960, it became a subsidiary of the State Bank of

India under the State Bank of India (subsidiary Banks) Act 1959. Now our

bank is an Associate Bank under State Bank Group.

The Bank has grown progressively, right from its inception and has

declared uninterrupted profits from the beginning. "MYSORE BANK", as it

is popularly known, is constantly committed to serve it's customers. Our

dedicated service to clientele has brought recognition / laurels to "MYSORE

BANK" .

In this competative world of Banking and Technogy we reiterate and

resolve to rededicate ourselves for the service of the Nation through

improved service to our customers.

Branch Network

The Bank has a widespread network of 707 branches(as on 31.03.2011)

and 22 extension counters spread all over India which includes 5 Small and

Medium Enterprises Branches, 4 Industrial Finance branches, 3 Corporate

Accounts Branches, 6 Specialised Personal Banking Branches, 10

Agricultural Development Branches, 3 Government Business branches, 1

Asset Recovery Branch and 8 Service Branches, offering wide range of

services to the customers.

Financial Profile

The paid up capital of the Bank is Rs. 468 Millions as on 31.03.2011 out of

which State Bank of India holds 92.33%. The networth of the Bank as on

31.03.2011 is Rs.3099.47 Crores and the Bank has achieved a capital


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PUNJAB NATIONAL BANK

The Punjab National Bank or PNB is one of the well known commercial and

banking institutions in India. It is the second largest government owned and

regulated commercial bank in the country and offers specialized solutions

and financial services in a number of sectors. Around 37 million customers

are served by the bank on an average basis. The customized facilities and

services make it a trusted name in the domain of banking.

Punjab National Bank (PNB) (BSE: 532461, NSE: PNB) is an Indian

financial services company based in New Delhi, India. PNB is the third

largest bank in India by assets. It was founded in 1894 and is currently the

second largest state-owned commercial bank in India ahead of Bank of

Baroda with about 5000 branches across 764 cities. It serves over 37

million customers. The bank has been ranked 248th biggest bank in the

world by the Bankers Almanac, London. The bank's total assets for

financial year 2007 were about US$60 billion. PNB has a banking

subsidiary in the UK, as well as branches in Hong Kong, Dubai and Kabul,

and representative offices in Almaty, Dubai, Oslo, and Shanghai


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Punjab National Bank

Type - Public (BSE: 532461, NSE: PNB)


Founded - 1895

Headquarters - New Delhi, India

Key people -K R Kamath (Chairman & MD)

Products- Credit cards, consumer banking, corporate banking, finance and

insurance, investment banking, mortgage loans, private banking, private

equity, wealth management

Revenue - 31,206 crore (US$6.23 billion) (2011)[1]

Net income - 4,574crore (US$912.51 million) (2011)[1]

Total assets - 373,786 crore (US$74.57 billion) (2011)[1]

Employees - 56,928 (2010)[1]Website - www.pnbindia.in
http://www.pnbindia.in/http://www.pnbindia.in/http://www.pnbindia.in/


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Growth of Punjab National Bank

Punjab National Bank was registered under the Indian Companies Act on

19 May in the year 1894 and its first office was set up at Anarkali Bazaar in

Lahore. Since then, the bank has become a great name in the field of

banking and is very much preferred by the customers for the wide range of

its services. Today, the bank has around 4,904 branches in around 764

cities.

Due to its facilities and services of high standards, Punjab National Bank

has also been the recipient of a number of prestigious awards. It has been

adjusted as the 248th biggest bank across the globe according to a recent

survey made by Bankers Almanac in London. The Economic Times has

also listed the bank as 38th among the premier 500 companies and the 9th

among the most trusted brands in India. The total asset value of the bank

amounts to around US$60 billion. There is also a subsidiary of the PNB inthe United Kingdom. In addition the bank also has branches in some other

cities like:

Kabul

Honk Kong

Oslo

Shanghai

Dubai


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Allahabad Bank

Allahabad Bank is one of the leading banks in India. Established on

April 24, 1865 in Allahabad by a group of European, Allahabad Bankis also the oldest Joint Stock Bank of India. In the year 1969, the

Government of India nationalized 13 commercial banks. Allahabad

Bank was one of those. Currently it offers a whole range of financial

services to thousands of customers across the nation through its

2260 branches, besides its Internet banking services. Allahabad Bank

has its headquarter located in Kolkata.

After its establishment in 1865, Allahabad Bank became a part of P &

O Banking Corporation in 1920 with a bid price of ` 436 per share. In

1923, considering the business opportunities, the headquarter of the

bank was shifted to Kolkata. On July 19, 1969, when the Government

of India nationalized Allahabad Bank along with 13 other banks, it had

151 branches across the nation with deposits of ` 119 crore and

advances of ` 82 crore. In 1989, United Industrial Bank Ltd. merged

with nationalized Indian bank. Allahabad Bank also instituted a wholly

owned subsidiary for Merchant Banking, called "All Bank Finance

Ltd.".

Allahabad Bank released its first Initial Public Offer (IPO) of 10 crore

(face value ` 10 per share) in October, 2002. It reduced the

Government shareholding to 71.16%. It again released Follow onPublic Offer (FPO) in April, 2005 of 10 crore equity shares (face value

` 10 each with a premium of ` 72). It again reduced the Government

shareholding to 55.23%.


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It was June, 2006 when the Allahabad Bank went international to

open up its first Representative Office at Shenzen in China. In

October, 2006, Allahabad Bank went high-tech for roll out its first

branch under Core Banking Service (CBS). It opened up its first

overseas branch at Hong Kong in February 2007. In March 2007, the

business of Allahabad Bank crossed ` 1,00,000crore mark.

Allahabad Bank, NSE: ALBK, BSE: 532480 which began operations

in 1865, has its head-quarters in Kolkata is the oldest joint stock bank

in India. The bank was founded in the historical city Allahabad in

1865 and now the bank has crossed 2500 branches on 31th march2012.[1]The Chairman and Managing Director of the bank is Shri J.

P. Dua. The bank has a branch in Hong Kong and a representative

office in Shenzen.

Get the best deals on Allahabad bank loan offers

Allahabad bank home loans

Allahabad bank personal loans

Allahabad bank car loans

Allahabad bank credit card

Some useful personal finance calculators

EMI calculator

Loan repayment calculator


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Related articles

ICICI Bank

SBI Bank

HDFC Bank

Other top banks in India

Type - Public

Traded- as BSE: 532480,

NSE: ALBK

Industry Banking

1. Financial services

2. Investment services

Founded-1865

Headquarters-Allahabad Bank,

Head Office,

2, N. S. ROAD,

Kolkata- 700 001. India

Key people- J. P. Dua

(Chairman & MD)

Products-

Finance and insurance

Consumer banking

Corporate banking

Website-http://www.allahabadbank.com


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LOANS

Housing Loan

Education Loan

Car Loan

Personal Loan for Pensioners

Personal Loan for Doctors

Loan Against NSC/KVP

AllBank Rent Loan

AllBank Property Scheme

AllBank Furnishing Loan

Gold Loan Scheme


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Bank of Baroda

The Bank of Baroda was established in the year 1908 in Baroda. Ever

since its inception, the bank has been growing and expanding its branches

successfully. At the turn of a century, the bank has its presence in 25

countries across the world. Bank of Baroda has progressively taken a step

towards commitment and values by providing uncompromising standards of

service to its customers, stakeholders, employees and the like.

Bank of Baroda (BoB) (BSE: 532134) is the third largest PSU bank in India,

after the State Bank of India and the Punjab National Bank and ahead of

Bank of India.BoB is ranked 763 in Forbes Global 2000 list. BoB has total

assets in excess of Rs. 3.58 lakh crores, or Rs. 3,583 billion, a network of

3,991 branches and offices, and about 1,657 ATMs. It plans to open 400

new branches in the coming year. It offers a wide range of banking

products and financial services to corporate and retail customers through a

variety of delivery channels and through its specialized subsidiaries and

affiliates in the areas of investment banking, credit cards and asset

management. Its total business was Rs. 5,452 billion as of June 30.

As of August 2010, the bank has 78 branches abroad and by the end of

FY11 this number should climb to 90. In 2010, BOB opened a branch in

Auckland, New Zealand, and its tenth branch in the United Kingdom. The

bank also plans to open five branches in Africa. Besides branches, BoB

plans to open three outlets in the Persian Gulf region that will consist of

ATMs with a couple of people.


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The Maharajah of Baroda, Sir SayajiraoGaekwad III, founded the bank on

20 July 1908 in the princely state of Baroda, in Gujarat. The bank, along

with 13 other major commercial banks of India, was nationalised on 19 July

1969, by the government of India.

Heritage & Ethics of Bank of Baroda:

The Bank of Baroda was started on 20th July 1908 under the Companies

Act of 1887. The initial capital invested was ` 10 Lakhs. The Maharaja was

none other than SayajiraoGaekwad who, with his visionary insight, planned

the beginning of a reputed journey which over the years, came to be known

as the Bank of Baroda.

It is interesting to note that during the period of 1913 to 1917; almost 87

banks in India succumbed to a financial crisis. However, the Bank of

Baroda survived the economic depression by dint of its financial integrity,

business prudence and concern uncompromising concern about its

customers and clients. This has transcended down to the present ages and

has become the motto of the bank

InvestorRelations:

By December 1996, Bank of Baroda penetrated the equity market by

successfully implementing the Follow on Public Offer of around 71 million

equity shares in January 2006. In the present scenario, Bank of Baroda's

public shareholding is as high as 46.19 percent with a total equity capital of

365.53 crore. This is held by Retail Investors, Banks and Financial

Institutions, Employees, FIIs and OCBs, Mutual Funds, Insurance

Companies and Others.


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Bank of Baroda

Type- Public

Traded as- BSE: 532134

Industry

Banking,

Financial services

Founded-1908

Headquarters-Vadodara, India

Ahmedabad, india

Area served- Worldwide

Key people :-

M. D. Mallya

(Chairman & MD)

Products-

Credit cards, consumer banking, corporate banking, finance and insurance,

investment banking, mortgage loans, private banking, private equity, wealth

management

Revenue - 25,800 crore (US$5.15 billion) (2011)

Net income - 4,433 crore (US$884.38 million) (2011)

Total assets -355,826 crore (US$70.99 billion) (2011)

Website - www.bankofbaroda.com
http://www.bankofbaroda.com/http://www.bankofbaroda.com/http://www.bankofbaroda.com/


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Bank of Maharashtra

Bank of Maharashtra, one of the leading banks in India, has its headquarter

located in Pune. Registered on September 16, 1935 by Prof. V. G. Kale

and late Mr. D. K. Sathe, Bank of Maharashtra started its operation on

February 8, 1936 with a mere authorized capital of ` 10 lakhs and issued

capital of ` 5 lakhs. The bank was established with a goal to meet the

banking needs of the common people. Bank of Maharashtra did reasonably

well in quick period of time. The deposits crossed ` 1-crore mark within the

year 1945. The bank also got listed on the Bombay Stock Exchange in

1958. Currently, Bank of Maharashtra has got an extensive network of1444 branches with 345 ATMs, and 902 CBS branches. In 2009, it had a

business turnover of ` 90,000 crore.

Bank of Maharashtra

Type - Public

BSE & NSE: MAHABANK

Industry - Banking

Capital Markets and allied industries

Founded - 1935

Headquarters - Bank of Maharashtra,

LokmangalShivajinagar (Pune- India)


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Key people - SHRI NARENDRA SINGH ,

( Chairman)

Products -

Loans, Credit Cards, Savings, Investment vehicles etc.

Revenue - 6,093.94 crore (US$1.22 billion)

Total assets -Rs. 481 bn

Website -www.bankofmaharashtra.in

Financial Performance:

Bank of Maharashtra registered a net profit of ` 375.17 crore during the

financial year ended on March 31, 2009, comparing to a net profit of 328.39

crore in 2007-08. It also had a return on assets of 0.72% during 2008-09.
http://www.bankofmaharashtra.in/http://www.bankofmaharashtra.in/http://www.bankofmaharashtra.in/http://www.bankofmaharashtra.in/


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The Landmarks

Bank of Maharashtra was nationalized in 1963.

It established its first Regional Rural Bank (RRB) MarathwadaGramin Bank in 1978.

The business crossed ` 1,000-crore mark in 1979.

500th branch was set up in 1980.

Aurangabad JalnaGramin Bank, the second RRB came up in 1981.

Thane Garmin Bank, the third RRB came up in 1986.

1000th branch was inaugurated at Indira Vasahat in 1987.

Initial Public Offer (IPO) was released in 2004.

Launched ATM-cum-International Debit Card in 2006. The first Core

Banking Branch (CBS) also rolled out in the same year.

Loans

Educational Loans

Loans for Corporates

Loans for Exporters

Loans for Professionals

Loans for Agriculturists

Loans for Individuals

Mahabank Platinum Housing Loans: Festive Offer

Mahabank Gold Card Scheme for Exporters.


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IDBI Bank

The Industrial Development Bank of India Limited, popularly known as IDBI

Bank is one of the leading public sector banks in India. Categorized as

"other public sector bank" by Reserve Bank of India (RBI), IDBI Bank is

also the 4th largest Indian bank. Founded in 1964 to provide credit and

other facilities to its customers, IDBI Bank currently has 457 centers, 688

branches and 1020 ATMs across the nation. It is world's 10th largest

development bank in terms of reach. IDBI Bank also built several

institutions including the National Stock Exchange of India (NSE), the Stock

Holding Corporation of India (SHCIL) and the National Securities

Depository Services Ltd. (NSDL) etc.

IDBI Bank was founded on July 1, 1964 under an Act of Parliament. It was

established as a wholly owned subsidiary of RBI (Reserve Bank of India).

The ownership was however transferred to the Government of India on

February 16, 1976. It worked as the main financial institution, whose main

goal was to coordinate with other institutions associated with financing,

developing and promoting the industry. With the public issue of IDBI Bank

released in July 1995, the share holding of the Government came down

below 100%. However, the majority of the share was still owned by the

government, which is currently 52.3%. IDBI Bank started offering a wide

array of products and services to its customers, which covered entire range

of industrial activities including services and manufacturing.


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In September 2003, IDBI acquired the entire shareholding of Tata Finance

Limited in Tata Home Finance Ltd. Since then, the fully owned housing

subsidiary was known as 'IDBI Home Finance Limited'. Next year, on July

29, 2004, the Board of Directors of IDBI and IBDI Bank approved the

merger of IDBI Bank with the Industrial Development Bank of India Ltd.

IDBI Bank also acquired United Western Bank in 2006.

Products and Services

IDBI Bank offers a wide array of products and services to its customers.

For different customer groups and needs, there are different types of

products and services including Personal Banking, Corporate Banking,

SME Finance and Agri Business etc.

IDBI Bank Limited

Type - Public BE: 116)


Founded - July 1964

Headquarters - Mumbai, India

Key people - R M Malla (CMD)

Products -



management


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Revenue -20,858 crore (US$4.16 billion) (2011)[1]

Net income - 1,563 crore (US$311.82 million) (2011)

Total assets -253,116 crore (US$50.5 billion) (2011)

Employees - 14,000 (2011)

Website -www.idbi.com

Loans

Home Loans

Loans Against Property

Education Loans

Personal Loan

Loan Against Securities

Reverse Mortgage Loan

Auto Loan
http://www.idbi.com/http://www.idbi.com/http://www.idbi.com/http://www.idbi.com/


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INTRODUCTION

OF

PRIVATE BANK


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HDFC Bank

The Housing Development Finance Corporation Limited, popularly called

HDFC Bank, was set up in India in the month of August in the year 1994

with the name HDFC Bank Limited. This was the 1st organization to be

approved by R. B. I. (Reserve Bank of India) to establish a private sector

bank. This happened as a part of the liberalization of the banking industry

in the country by R. B. I. in the same year.

HDFC Bank Limited (BSE: 500180, NSE: HDFCBANK, NYSE: HDB) is an

Indian financial services company that was incorporated in August 1994.

HDFC Bank is the fourth largest bank in India by assets and the second

largest bank by market capitalization as of February 24, 2012. The bank

was promoted by the Housing Development Finance Corporation, a

premier housing finance company (set up in 1977) of India. HDFC Bank

has 1,986 branches and over 5,471 ATMs, in 996 cities in India, and all

branches of the bank are linked on an online real-time basis. As of 30

September 2008 the bank had total assets of Rs.1006.82 billion.[3] For the

fiscal year 2010-11, the bank has reported net profit of 3,926.30 crore

(US$783.3 million), up 33.1% from the previous fiscal. Total annual

earnings of the bank increased by 20.37% reaching at 24,263.4 crore

(US$4.84 billion) in 2010-11.[4] HDFC Bank is one of the Big Four banks ofIndia, along with: State Bank of India, ICICI Bank and Punjab National

Bank.


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HDFC Bank Limited

TypePrivate

Traded as - BSE: 500180

NSE: HDFCBANK

NYSE: HDB



Founded - August 1994

Headquarters -Mumbai, Maharashtra, India

Area served -Worldwide

Key people - AdityaPuri (MD)

Products



management.

Revenue - US$ 5.585 billion (2011)

Profit - US$ 923.8 million (2011)

Total assets - US$ 65.483 billion (2011)

Website -HDFCBank.com


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However, this scheduled business bank started its operations mainly from

January, 1995. Headquartered in the city of Mumbai, this is one of the main

companies involved in housing finance. With an aim to be a world class

bank, this bank in India holds a good track record of performance in both

national as well as global markets. Post completion of the last quarter on

30th September, 2011, the total income of the bank increased by 37.4 % as

compared to this same quarter of 2010.


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Kotak Mahindra Bank

KotakMahindra Bank (BSE: 500247, NSE: KOTAKBANK) is an Indian

financial service firm established in 1985. It was previously known as Kotak

Mahindra Finance Limited, a non-banking financial company. In February

2003, Kotak Mahindra Finance Ltd, the group's flagship company was

given the license to carry on banking business by the Reserve Bank of

India (RBI). Kotak Mahindra Finance Ltd. is the first company in the Indian

banking history to convert to a bank.

\Today it has more than 20,000 employees andRs. 10,000 crore inrevenue.Mr.UdayKotak is Executive Vice Chairman & Managing Director of

Kotak Mahindra Bank Ltd. In July 2011 Mr. C. Jayaram and Mr. Dipak

Gupta, whole time directors of the Bank, were appointed the Joint

Managing Directors of Kotak Mahindra Bank. Dr. Shankar Acharya is the

chairman of board of Directors in the company.The Bank has its registered

office at NarimanBhavan, Nariman Point, Mumbai.

It bought stressed assets from a number of banks, at full loan value of Rs

1,000 crore in 2005.[3] In January 2011, the bank reported a 32% rise in

net profit to Rs188 crore for the quarter ended December 2010 against Rs.

142 crore the corresponding quarter last year.Kotak Mahindra bank also

reached the top 100 most trusted brands of India in The Brand Trust Report

published by Trust Research Advisory in 2011.


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Kotak Mahindra Bank

Type -Private


NSE: KOTAKBANK

Industry - Financial service

Founded -1985 (as Kotak Mahindra Finance Ltd)


Key people - UdayKotak (Chairman) & (MD)

Products - Deposit accounts, Loans, Investment services, Business

banking solutions, Treasury and Fixed income products etc.

Revenue - 10,963crore (US$2.19 billion)(2011)

Net income- 1,569crore (US$313.02 million)(2011)

Website- www.kotak.com
http://www.kotak.com/http://www.kotak.com/


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Kotak Mahindra is among the leading financial organization of India, with a

range of financial services that caters to all customers' day to day

requirements. Their products spans from commercial banking, to stock

broking, to mutual funds, to life insurance, to investment banking diverse

needs of individuals and corporates are catered to.

The Kotak group has a net worth of more than ` 6,799 crore with the

branches, franchisees, representative offices and satellite offices spread

across cities and towns in India. They also have global offices in New York,

London, San Francisco, Dubai, Mauritius and Singapore. The Kotak Group

offers their services to approximately 6.4 million customers.

The Kotak Mahindra Group got incepted in 1985 in the form of Kotak

Capital Management Finance Limited, being promoted by UdayKotak,

Sidney A. A. Pinto and Kotak& Company. A stake in the group was taken in

by industrialists Harish Mahindra and Anand Mahindra and this is the timewhen the company changed its name to Kotak Mahindra Finance Limited.

Kotak Group Products & Services

Bank

Credit Cards

Life Insurance

Mutual Funds

Car Finance

Securities


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Institutional Equities

Investment Banking

International Business

Kotak Private Equity

Kotak Realty Fund

Wealth Management

The flagship company of Kotak Mahindra Group, Kotak Mahindra

Finance Ltd was established in 1985. The same got converted into a

bank - Kotak Mahindra Bank Ltd in March 2003. Kotak Mahindrabank has presence in commercial vehicles, retail finance, corporate

banking, treasury and housing finance.

Loans

Personal Loans

Home Loans

Loan Against Property


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ICICI Bank

ICICI (INDUSTRIAL CREDIT AND INVESTMENT CORPORATION OF

INDIA) Bank Ltd. (NSE: ICICIBANK, BSE: 532174, NYSE: IBN) is an Indian

diversified financial services company headquartered in Mumbai,

Maharashtra. It is the second largest bank in India by assets and third

largest by market capitalization. It offers a wide range of banking products

and financial services to corporate and retail customers through a variety of

delivery channels and through its specialized subsidiaries in the areas of

investment banking, life and non-life insurance, venture capital and assetmanagement. The Bank has a network of 2,630 branches and 8,003 ATM's

in India, and has a presence in 19 countries, including India.

The bank has subsidiaries in the United Kingdom, Russia, and Canada;

branches in United States, Singapore, Bahrain, Hong Kong, Sri Lanka,

Qatar and Dubai International Finance Centre; and representative offices in

United Arab Emirates, China, South Africa, Bangladesh, Thailand, Malaysia

and Indonesia. The company's UK subsidiary has established branches in

Belgium and Germany.

ICICI Bank is one of the Big Four banks of India, along with State Bank of

India, Punjab National Bank and HDFC Bank


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ICICI Bank is the largest private sector bank in India in terms of market

capitalization. It is also the second largest bank in India in terms of assets

with a total asset of ` 3,674.19 billion (US$ 77 billion) as on June 30, 2009.

For the quarter ended on June 30, 2009, the total profit after tax has been `

8.78 billion. Formerly known as Industrial Credit and Investment

Corporation of India, ICICI Bank has an extensive network of 1,544

branches with about 4,816 ATMS located across India and in 18 other

countries. ICICI Bank serves over 24 Million customers throughout the

world. It is considered as one of the Big Four Banks in India along with

State Bank of India, HDFC Bank and Axis Bank.

ICICI Bank provides a wide array of banking products and financial

services to its retail and corporate customers. It has a wide variety of

delivery channels and specialized affiliates and subsidiaries that ensure the

flow of its offerings in the areas like investment banking, venture capital, life

and non-life insurance and asset management. This bank is also India's

largest credit card issuer. The equity share of ICICI Bank is listed onvarious stock exchanges like NSE, BSE, Kolkata Stock Exchange and

Vadodara Stock Exchange etc. Its AD ` are also listed on the New York

Stock Exchange.

ICICI Bank also has the largest international balance sheet among all the

banks in India. It is also expanding its business in the overseas market at

an enviable pace. In Q2 September 2008, ICICI Bank recorded a 1.15%

growth in net profit over Q2 September 2007 to reach at ` 1,014.21 crores.

The current and savings account (CASA) ratio of the bank also went up

from 25% in 2007 to 30% in 2008.


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ICICI Bank Ltd.

Type - Public


NSE: ICICIBANK

NYSE: IBN



Founded - 1955


Area served - Worldwide

Key people - K. V. Kamath

(Chairman)

ChandaKochhar

(MD & CEO)

Products -Credit cards, Consumer banking, corporate banking, finance

and insurance, investment banking, mortgage loans, private banking,

wealth management


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Revenue - US$ 13.812 billion (2011)

Profit US$ -1.366 billion (2011)

Total assets -US$ 119.69 billion (2011)[1]

Total equitUS$ -12.401 billion (2011)[1]

Employees - 79,978 (2011)[1]

Website -www.icicibank.com

Products and Services

ICICI Bank offers a host of products and services to its clients, which

include Deposits, Loans, Cards, Investments, Insurance, Demat, NRI

Services and Online Services etc.

Loans

Home Loans


Personal Loans

Car Loans

Two Wheeler Loans

Commercial Vehicle Loans

Loans Against Securities

Loan Against Gold Ornaments
http://www.icicibank.com/http://www.icicibank.com/http://www.icicibank.com/http://www.icicibank.com/


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Axis Bank

Axis Bank Limited, formerly UTI Bank, (BSE: 532215, LSE: AXBC) is an

Indian financial services firm that had begun operations in 1994, after theGovernment of India allowed new private banks to be established. The

Bank was promoted jointly by the Administrator of the Specified

Undertaking of the Unit Trust of India (UTI-I), Life Insurance Corporation of

India (LIC), GenYES Bank Limited (BSE: 532648) is an Indian Bank,

engaged in providing a range of banking and financial services.

The Banks business segments include Treasury, Corporate/Wholesale

Banking, Retail Banking, Corporate Finance, Transaction Banking and a

host of other Banking services. It was founded by RanaKapoor and his

partner (Late) Ashok Kapur, with the duo holding a collective financial stake

of 27.16%.

YES Bank has received significant national and international recognitions

which include Mr. RanaKapoor, Founder, MD & CEO being recognized as

the Entrepreneurial Banker of the Decade (2001-2010) by Bombay

Management Association India's No. 1 New Private Sector Bank in the

Financial Express-E&Y Best Banks Survey 2010 , India's Fastest Growing

Bank of the Year at the Bloomberg UTV Financial Leadership Awards

2011. YES Bank has become the first Indian Bank, and the third one

globally in the banking industry to receive certification for its 'Complaints

Management System (ISO 10002:2004)' by the British Standard's

Institution (BSI) as on August 25, 2010. The bank was also awarded the

ISO 27001:2005 Certification for its 'Information Security Management

System' by BSI.


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Eral Insurance Corporation Ltd., National Insurance Company Ltd., The

New India Assurance Company, The Oriental Insurance Corporation and

United India Insurance Company UTI-I hold a special position in the Indian

capital markets and have promoted many leading financial institutions in

the country. The bank changed its name to Axis Bank in April 2007 to avoid

confusion with other unrelated entities with similar name.[3] After the

Retirement of Mr. P. J. Nayak, Shikha Sharma was named as the bank's

managing director and CEO on 20 April 2009.

As on the year ended 31 March 2009 the Bank had a total income of

137.4504 billion (US$2.74 billion) and a net profit of 18.1293 billion

(US$361.68 million).On 24 February 2010, Axis Bank announced the

launch of 'AXIS CALL & PAY on atom', a unique mobile payments solution

using Axis Bank debit cards. Axis Bank is the first bank in the country to

provide a secure debit card-based payment service over IVR.

Axis Bank, previously known as UTI Bank, is one of the Big Four Banks of

India along with State Bank of India, HDFC Bank and ICICI Bank.

Established in 1994, it's the first of the new private sector banks in India to

start its operations, when Government of India opened the gate for the

private banks to flock into the Indian financial market. Though the bank

started its operation with the name UTI Bank, but later, in order to avoid

ambiguities and confusion with other discrete entities carrying the same

name, it changed its name to its current form (Axis Bank) in April 2007.

Axis Bank Limited recorded a total income of ` 13,745.04 crore as on the

year ended March 31, 2009. It also made a net profit of ` 1,812.93 crore in

the same financial year.


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Axis Bank has its registered office at Ahmedabad, while its central office is

located at Mumbai. Currently it has an extensive network of over 905

branches across the nation. It also has a network of more than 3894 ATMs

Axis Bank Limited

Type - Public


LSE: AXBC

NSE: AXISBANK


Founded - 1994


Key people - Adarsh Kishore, (Chairman)

Shikha Sharma, (MD & CEO)

Products


investment banking, mortgage loans, private banking, private equity, and

wealth management


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Revenue - 198.26 billion (US$3.96 billion) (2011)

Net income - 33.44 billion (US$667.13 million) (2011)

Total assets - 2.42566 trillion (US$48.39 billion) (2011)

Employees - 21,640 (2010)

Website -www.axisbank.com

Loans Home Loan

Car Loan

Personal Loan

Loan Against Shares


Loan Against Security

Study Loan

Consumer Loan
http://www.axisbank.com/http://www.axisbank.com/http://www.axisbank.com/http://www.axisbank.com/


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Yes Bank

In 2010, the bank announced the roll-out of a strategic blueprint, named

Version 2.0 of the bank, to further accelerate its business growth in the

retail banking space, with the objective to achieve by 2015, a balance sheet

size of Rs.1,50,000crore, deposits of 125,000 crore, advances of 100,000

crore, a pan India network of 750 branches and a human capital base

12,000 by 2015 [10].

Yes Bank Limited

Type - Private (BSE: 532648)

Industry - Banking & financial services

Founded - 2003-04

Founder(s) - Ashok Kapur and RanaKapoor


Key people - Ranakapoor (Founder) & (Ceo)

Products - Corporate and Institutional Banking, Financial Markets,

Investment Banking, Corporate Finance, Branch Banking, Business and

Transaction Banking, and Wealth Management business lines

Revenue - 4,665.01 crore (US$930.67 million) (2010-11)

Operating income - 1,190.38 crore (US$237.48 million) (2010-11)

Profit- 727.13crore (US$145.06 million) (2010-11)

Total assets - Rs. 363.8 billion at March 31, 2010


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Total equity - Rs. 30.7 billion at March 31, 2010

Employees - 3,034

Website -www.yesbank.in

Yes Bank India, founded under the initiative of RanaKapoor and Ashok

Kapur, is known for comprehensive banking and providing financial

solutions to its customers. The main mission of the Yes Bank in India is to

establish a hi-tech driven private Indian bank catering to the needs of the

emerging India. The founders got the financial assistance from the

Rabobank Nederland, the world's only AAA rated private bank, and three

respected global institutional private equity investors, CVC Citigroup, AIF

Capital and ChrysCapital. At present, Yes Bank India has forty fully

operational branches.

Activities:

The main feature that differentiates Yes Bank India in the banking industry

is their use of knowledge bankers who are industry experts in various

sectors of Indian economy thereby helping their valued customers with in-

depth knowledge of these sectors. In general the products and services

offered by the Yes Bank are:
http://www.yesbank.in/http://www.yesbank.in/http://www.yesbank.in/http://www.yesbank.in/


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Corporate and Institutional Banking

Financial Markets

Investment Banking

Business and Transactional Banking

Retail Banking

Private Banking

The Yes Bank offers a package of value added services, known as the Yes

Touch. This includes International Debit Cards, 24 Hour ATM Access,

Internet Banking, Mobile Banking, Payment - Online Brokerage and Online

Travel Booking.


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Objective of the study

The following survey was mainly done with an objective to know the state

of mind of the customer who wanted to take loan from the bank& also to

know the attitude and preference of the type of bank loan regarding to his

need and bank interest rate according.

I. To know the customer satisfaction in public and private bank

II. To know the process of bank loan

III. To know the bank position of public

IV. To know the awareness customer for bank loan


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Scope of the study

The following survey was done parallel when an customer is going to bank

for loans. The study helps us to know the state of mind of the customer &

their expected charges regarding interest rate, Return, Annual paid up

amount, monthly installments, and so on.

The Bank is also benefited as he came to know what an customer expects

when he or she is going to.

Also if the Brokerage house is lacking in some areas, what is that and how

to overcome that.


67/84

Research Methodology

I have conducted a survey to know the state of mind of the customer who

wanted to take loan & also to know the attitude and preference of the

prospective customer regarding private & public bank loan.

A Questionnaire is designed by me to collect the needed information

regarding my survey. For my survey I have taken 50 existing and

prospecting investors, I got the questionnaire filled by them to know the

state of mind of the customer who took loan from public and private bank,

their expected interest charges &also to know the attitude and preference

of the prospective investors regarding

Results are cautiously viewed as sample is coming from a specific

population. The response that is generated during this exercise isconverted in the form of percentage to have a comparative outlook. As the

number itself cannot explain the true picture. These percentage are then

represented through the simple tools like Bar graph, Pie charts.


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Type of Data

In my project I have used both

Primary Data

Secondary Data.

Primary Data: -

I include a questionnaire in my Research and the questionnaire filled by the

Existing customer who already taken the loan from public and private bank.

Secondary Data: - I take the information from the

official websites of banks

from electronic media

from print medi

.


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DATA

ANALYSIS


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Q.1.-Do you have account with public bank or private bank?

you have account

with public or privatebank

No. of

frequency

Public 32Private 18

Interpretation:

It measures the efficiency with which the relationship between public and

private banks is being used by a frequency is 50.These show the

relationship both the banks. 32 customer use public bank & 18 customers

used private bank.

0

10

20

30

40

public private

No. of frequency

No. of frequency


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Q-2.What kind of loan you own from bank?

Interpretation:

It measures the efficiency with which the public bank loans & private bank

loan.shows the percentage of the all loans. These may be the car loan,home loan, education loan,term loan, gold loan.publicbaks may be

highestpercentage of loan is the home loan, and lowest percentage of loan

is gold loan.

0%

Home loan

39%

Education loan

26%

Term loan

11%

Gold loan

2%

Car loan

22%

No.of frequency

Type of loan No of frequency

Home loan 18Educationloan 12Term loan 5Gold loan 1Car loan 10Others 4


72/84

Q-3 what is limit of your bank loan limit ?

Limit of loanNo. offrequency

Less than 50000 8

50000 - 200000 12

200000 - 500000 16More than 500000 14

Interpretation:

It measures the efficiency with which the public bank loans.This graphical presentation shows the limit of loan. Lessthan 50000, 50000 to 200000, and 200000 to 500000 andmore than 500000, these analysis shows that the highest

limit of loan taken people between50000 to 200000 rupee.

0

5

10

15

20

Less than

50000

50000 -

200000

200000 -

500000

More than

500000

No. of frequency

No. of frequency


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4) Preferred interest rateNo. of frequency

Fixed rate38Floating rate 12

Interpretation:

It measures the efficiency with which the public bank loans. This graphical

presentation shows the two type of interest rate. Fixed interest rate and

floating interest rate. Major the frequency out off 50 the 12 bank charge thefloating interest rate, and 38 bank used fixed interest rate.

0

5

10

15

20

25

30

35

40

Fixed rate Floating rate

No. of frequency


74/84

5) Difficulty inloan takingprocedure

No. offrequency

Yes 7No 40Somewhat 3

Interpretation:

It measures the efficiency with which the public& Private bank loans. This

graphical presentation shows the difficulty in loan taking procedure. These

may be all bank easily provided loan as per bank loan procedure.

0

5

10

15

20

25

30

35

40

45

YES NO Somewhat

No. of frequency

No. of frequency


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6) Use onlineservices

No. offrequency

Yes 40No 1 0

Interpretation:

It measures the efficiency with which the public bank loans. This graphicalpresentation shows the on line services. Now a days the customer aware

new technology so they used 85 % online services,

0

10

20

30

40

Yes No

No. of frequency

No. of frequency


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7) Time taken forsolving No. of frequency

banking problems and

loan issues

Immediately 1

Within 24 hrs. 36

Within 48 hrs. 13

Within 3 - 5 Business days 0

Interpretation:

It measures the efficiency with which the public bank loans. This graphical

presentation shows the time taken by bank for solving the banking problem

and loan issues the banks solve problem, immediately, with in 24 hrs. and

48 hrs. within 3-5 days, mostly all the bank solve the problem within 24 hrs

and some banks solve problem within 48 hrs.

0

5

10

15

20

25

30

35

40

Immidiately Within 24 hrs Within 48 hrs Within 3 - 5

Business days

More than a

week

Series 1

Series 1


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8) Satisfied with the services No. of frequency

Yes 48

No 2

Interpretation:

It measures the efficiency with which the public bank and private bank

loans. This graphical presentation shows the result of all survey satisfied

with bank services, so that 48 customer satisfied with 2 customer not

satisfied with bank service

0

10

20

30

40

50

60

Yes No

No. of frequency

No. o


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Findings

Most of the respondent chooses public sector bank because

the bank provides better services. Some of the respondentschoose the public bank is because the bank is providing more

ATM facility and so many branch in every sector also better

security to the customers.

The age group of 35yrs 55yrs respondents mostly is having

an account in public bank because they prefer security of their

account. Mostly females are having an account in Spublic bank.

And many of the respondents are not aware of the many

services rendered by the public and private bank. The few are

deposit cash in ATM, request for cheque book in ATM, end of

the day balance in mobile, etc. Some of the respondents to

choose the private sector bank is because the bank is more

reliable to the customers.

And the salaried persons more prefer the private sector bank

because they provide more schemes to them.

Most of the respondents are using e-banking services for

transfer the funds and bill payments.

The credit crises have head minimum impact on customers

confidence in the banking. Majority of the customers are also very satisfied with the

services they get from their banks.


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Suggestions

Since many of the respondents are not aware of there key

services. The bank has to take some initiatives.

The bank can post a list of services that they are rendered to

the customers inside the bank Premises.

And they can post demo of all these services in their bank

website.

Embrace online innovation.

Create brand ambassadors.

The bank can also send a post/email to their customers by

informing there services and how to proceed with that and all

details they can mention it in the post/emails.

Brand enhancement programs.


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Conclusion

The basic objective of my research was to analyze the awareness

among customers for public bank & private bank in India. It gives

direction to research tools, research types and techniques. Although

the findings reveal that people know about the services but still many

people are unaware and many of them are nonusers so the bank

should by promotion try to retain the customers. Banks should look

forward to have some tieups with other financial institutions toincrease the service base.

Since both the banks are competing equally with each other. But now

a day private bank also equally competition with public bank.The

middle aged people more preferring banksloan because they provide

more safety to their account&benefits.


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Bibliography

Websites

www.wikkipedia.com

Google search

Yahoo search

Bank websites


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Questionnaire

Name:

Address:

Occupation:

Annual Income:

Name of your Bank which you have account:

1. Do you have account with private or public sector bank?

A) Public

B) Private

2. Do you own any loan from this bank?

A) Yes

B) No

3. If no, then what is the name of the bank you own loan?

4. What kind of Loan you own from this bank?

A) Home Loan D) Gold loan

B) Education Loan E) Car Loan

C) Term Loan F) Other


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5. What is the term of your loan?

A) Less than 1year

B) 1year 3years

C) 3years-5years

D) more than 5years

6. What is the limit of your bank loan?

A) Less than 50,000

B) 50,000-2, 00,000

C) 2, 00,000-5, 00,000

D) More than 5, 00, 000

7. Which interest rate do you prefer?

A) Fixed rate

B) Floating rate

8. Do you feel that the procedure to take loan with the bank wasdifficult?

A) Yes, to a certain extent

B) No, it was easy

9. Do all the loan related informations are provided to you wheneverrequired ?

A) Yes

B) No


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10. Are you able to use banking loan services online?

A) Yes

B) No

11. How quickly were your banking problems and issues related to loanservices addressed by the bank staff?

A) Immediately

B) Within 24 hours

C) Within 48 hours

D) Within 3-5 business daysE) More than a week

F) Some issues are still pending

12. Are you satisfied with the services?

A) YesB) No

13. You want to shift to another bank, whichbank?

Documents

Customer Satisfaction Bank Loan