CONTENTS

1. INTRODUCTION
2. COMPANY PROFILE
3. HOUSING LOAN SCHEMES
4. BRANCH PROFILE
5. ANALYSIS AND INTERPRETATION
6. SUMMARY OF FINDINGS
ANNEXURES
Questionnaire
Bibliography

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Page 1

CHAPTER -1
INTRODUCTION

Introduction
Scope of the study
Objectives of the Study
Methodology Used
Limitations

CHAPTER -2
COMPANY PROFILE

Introduction
Vision
Mission
Values
Management profile
People in DHFL
Awards
Portrait of the company
Head office and Regd. Office
Branch and Regional office
Capital Structure

CHAPTER- 3
HOUSIN LOAN SCHEME
HOUSING LOAN SCHEMES

Home Loan
Home Extension Loan
Home Improvement Loan
Sampoorna Rakshak Free insurance cover
NRI Care Taker Loans

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Plot Loans
FIXED DEPOSIT SCHEMES

Aashray Deposits
Cumulative
Non Cumulative
Small Savings Schemes

CHAPTER 4
BRANCH PROFILE

History and Location

Working and efficiency
Management Structure
Loan procedure
Eligibility
Documents
Repayment Criteria
Area covered by DHFL in India

CHAPTER 5
ANALYSIS AND INTERPRETATION
Analysis
Tables and Graphs
CHAPTER- 6
SUMMARY OF FINDINGS, SUGGESTIONS AND CONCLUSION

FINDINGS
Problems
Suggestions
Conclusion

ANNEXURES
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Questionnaire
Bibliography

"A Case study on Housing loan and Fixed Deposit Schemes",

with special reference to "DEWAN HOUSING FINANCE
CORPORATION LIMITED".

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CHAPTER -1
INTRODUCTION

Introduction

Scope of the study

Objectives of the Study
Methodology Used
Limitations

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Page 5

 INTRODUCTION

Housing is one of the basic human necessities. It is

fundamental

for

the

physical,

economic well being of people.

psychological,

social

and

Shelter is one of the most

basic needs of the people. All over the world the having the
house is major problem and continuous efforts have been
made to meet the ever increasing needs of each generation,
while the problem of providing housing is highly critical in the
developing countries. Most of the advanced countries also face
this problem in varying degrees and dimensions.
Almost all governments, it may be developed, developing
or underdeveloped country their object is every citizen of their
country should have a one decent house in a suitable living
environment. Housing as a form of reproducible wealth and is
a asset of the people and their country.
Construction of house in India has been one of the most
important problem, as a result of high growth of population. It
ATNCC SHIMOGA

Page 6

has very difficult to fill the gap between supply and demand of
houses. Housing is a important factor for development in both
economic and welfare terms.

It is not only a good

consumption but also a productive investment.

So for that, they need financial supports for construction
of their own house.

Solving the housing problems in India, the Government

and Private financial institutions are started their business to
give financial assistances to people.

"The National

Housing Bank" has started its business to give assistance and

provide financial support to their people.
The

"DEWAN

HOUSING

FINANCE

CORPORATION

LTD", popularly known has DHFL has commenced its business

to provide financial assistant and support to their customers.
The DHFL is providing loan for all the people. This companys
main products are Home loan, Home Extension loan, Home
Improvement loan, leased Rental finance, Mortgage loan etc.,

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The DHFL's Shimoga branch is providing loan for all

salaried persons, self employed persons, business people,
agriculturists, fishermen's and all types of people who want
loan to build their own house in all over Shimoga.
DHFL also has the special schemes facility known as,
"Swarna Jayanthi Rural Housing Finance Scheme" to mark the
golden jubilee of India's independence. The scheme seeks to
provide improved to access housing loans to borrowers of
constraints/ acquisitions/ up gradation of housing rural areas of
the country.

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Scope of the study

This company is concentrating to give loan to all
the peoples of Shimoga district. They are concentrating to give
loan to salaried persons, business people self-employed
persons, agriculturists and other type of people.

Objectives of the Study

To study the marketing efforts of DHFL in Shimoga city.
To analyze and interpret the survey findings.
To compare the performance of DHFL in Shimoga branch
with other Housing financial institutions in Shimoga.
To know the day-to-day operations of DHFL.
To know the consumer opinion regarding DHFL.
To ascertain the interest level on various housing loans of
DHFL
Methodology Used
a) Primary Sources

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The study was conducted on making the survey and

collected

the

data

from

primary

sources

through

questionnaire and direct interview of manager and staff

members of DHFL in Shimoga branch.
b) Secondary Sources
The secondary source being through published material,
such as annual reports of DHFL company, Internet, study
materials available in finance companies.

Limitations
Non availability of data has affected the project report.
Several information were not disclosed by the concerned as
they felt it was necessary to keep confidential.

Hence

details of some more critical points could not be disclosed

here.
The workers of the company have not give some related
information because of shifting the company from one place
to another place.
Lack of co-operation from some respondents.
Shortage of time & finance.

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 Study is only confined to only Shimoga branch.

Only 50 respondents could be contacted.

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CHAPTER -2
COMPANY PROFILE
Introduction
Vision
Mission
Values
Management profile
People in DHFL
Awards
Portrait of the company
Head office and Regd. Office
Branch and Regional office
Capital Structure

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COMPANY PROFILE
Introduction

DHFL is a housing finance company that has taken the

road less traveled. The journey began on the 11th of April
1984. On this day, Rajesh Kumar Wadhawan began his
mission to correct what had troubled him for years, the sad
truth that most Indians couldn't get a housing loan on fair
terms. The Founder Chairman saw the owning of a home as a
critical element to the building of identity and confidence of
every Indian. DHFL was only the second housing finance
company set up in India. And its stated business objective was
unusual to say the least, to provide access to housing finance
to lower and middle income Indians. Most experts lauded Mr.
Wadhawan's altruism but shook their heads at his apparent
lack of business acumen. Especially as in the beginning DHFL
disbursed funds from its own equity contribution and had a
return on equity of less than 8% at a time when the interest
rates were about 18%. But that is the difference between
those who see things as they are and the visionaries who see
things as they can be. Over two decades later, DHFL is still
profitably doing what its founder intended it to do. DHFL has
disbursed

loans

ATNCC SHIMOGA

amounting

to

over 53

Page 13

billion, its

non

performing assets are the lowest in the industry. The Founder

Chairman had a unique and timeless insight into the character
of the majority of Indians who are generally dismissed as high
credit risk. They respond unequivocally to trust. They have a
very emotional relationship with the idea of an own home. To
them it isnt an investment. It is a sanctuary. A symbol of who
they are. They will not do anything to jeopardize this symbol of
security. This insight was the prime mover behind DHFL.
Today, DHFL has an asset base of over Rs. 3,580 crores
with a strong presence across India through its 72 branches
and 116 service locations. DHFL caters to a large section of
Indians working in the Middle East through its over seas
branch in Dubai.

Vision
Transform lives of Indian households by enabling access to
home ownership

Mission
Be easily accessible to every Indian who desires to own a
home.

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 Understand our customers inner needs and speak their

language.
Go to any length to make sure our customers dont feel
intimidated.
Continuously configure our credit policy to make sure the
maximum number of people can be eligible for loans.
Find ways to help our customers tide over difficult times
Spread our network to every corner of India
Respond promptly and courteously to all enquiries.
Values
Treat all our customers with dignity and respect.
Be totally transparent in all our dealings.
Strive to be a learning organization.
Dedicated to team excellence and employee happiness
Be single mindedly committed to the betterment of our
society.
Management Profile
Leading a company like DHFL needs a very singular
perspective. Balancing the unrelenting demands of corporate
performance and the special needs of the target group the
company caters to requires continuous innovation.
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Mr. Kapil Wadhawan

Vice Chairman

Managing Director, DHFL

Mr. Kapil Wadhawan, Vice Chairman

Managing Director,

Dewan Housing Finance Corporation Ltd, took over the reins of

this company in October 2000. Before taking over as the
Managing Director, he was the Executive Director on the board
of DHFL. Mr. Kapil Wadhawan is an MBA (Finance)
from Edith Cowan University at Perth, Australia.

Mr. Wadhawan has taken many innovative

steps to build the organization into a world class
financial services company. He is widely recognized as an
industry expert and his opinions are eagerly sought by policy
makers and business leaders for matters relating to the
financial services sector.

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Mr. Wadhawan is known for his dynamic leadership

qualities and his ability to take quick decisions. He contributes
immensely to philanthropic activities and has done a lot for the
economically weaker sections of society.

Mr. Anil Sachidanad

CEO DHFL

Mr. Anil Sachidanand is hailed as the mortgage banking

financial expert and has been active in the residential
mortgage business for more than two decades. As the CEO of
Dewan Housing Finance, one of Indias largest housing finance
companies, he would be primarily responsible for bringing in a
strong focus to the retail side of the business. A key role would
be to improve productivity levels, increase
business volumes and make the company a
dominant player in its sector.

Mr. Anil Sachidanand is a professional

with a proven track record of setting up
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processes and creating & managing effective teams in diverse

environments. He joined DHFL years back as a Management
Trainee and progressed to the role of National Manager in 10
years. In this first innings, he was responsible for the growth of
the organization from an office in Mumbai to having a national
footprint with a network of 56 offices. Anil inculcated diverse
experiences in companies like IDBI Bank where he was the
Head of Retail Mortgage & HDFC Bank as the Business Head
Mortgages. Sixteen years later he got a taste of the global
scenario through the US based company, Adventity in Houston,
Texas for four years. Here, he exhibited skills of successfully
migrating business model and processes from USA to India
where he was actively involved in expanding business
opportunity from a mere three branches to 32 States in US.

Anil has amassed vast experiences over the last two

decades in building infrastructure for achieving the business
goals by establishing branch network, distribution franchises
and other marketing channels. He is a veteran team builder
with an innate ability to recruit, train and manage effective
teams on a national scale.

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Mr. Sachidanand believes in delivering consistent growth

record and delivery of bottom line performance.

Mr. Rajeev Sathe

COO, DHFL
Mr. Rajeev Sathe is a senior banker with about three
decades

of

diverse

managerial

experience

in

banking

operations with State Bank of India . He is an

engineer and post graduate in bank management
(NIBM), with a dissertation on applying IT for
control of priority sector advances.
In India he has handled a wide gamut of credit in
rural and semi urban areas, retail banking, SSI
and large corporates. Internationally he has managed trade
finance, operations and IT in USA.
He has developed and marketed financial and IT based
banking products and h as driven quality initiatives like six
sigma in banking operations and provided management
consultancy

services

for

quality

and

improvements in the manufacturing industry.

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productivity

ATNCC SHIMOGA

Page 20

People in DHFL
Our people are qualified and motivated professionals.
They are committed to providing efficient and cost-effective
financial services which meet the needs of our customers. It is
their constant endeavour to make DHFL the finest organization
to work at and to do business with.

Name
Mr.
Rakesh

Designation
Kumar

Wadhawan
Mr. Kapil Wadhawan
Mr. Anil Sachidanand

ATNCC SHIMOGA

Chairman
Vice Chairman & Managing
Director
Chief Executive Officer

Page 21

Board of Directors
Shri
Rakesh
Kumar

Chairman

Wadhawan
Shri Kapil Wadhawan

Vice Chairman & Managing

Shri Dheeraj Wadhawan

Shri Sarang Wadhawan
Shri R. P. Khosla
Shri R S Hugar
Shri G. P. Kohli
Shri Ashok Kumar Gupta
Mr. Anthony Hambro
Shri Ajay Vazirani
Shri V. K. Chopra

Director
Director
Director
Director
Director
Director
Director
Nominee Director
Director
Director

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Awards
To any business, the biggest award is always the
satisfaction of the customer. But every now and again its nice
to be recognized by our peers.

200

Silver CIO Award'08 by - CIOL Dataquest Enterprise

Connect Awards

200

Excellence in Design among HFI's at Property Expo

October'07

by

(Maharashtra Chamber of Housing Industry)

200

Excellence in Design among HFI's at Property Expo

April'07

by

(Maharashtra Chamber of Housing Industry)

200

SRS Real Estate & Infrastructure Award for National

Excellence (Real Estate Watch Monthly)

200

Award

Housing Industry)

200

Best Customer Service HFI's Property (5th Housing And

Real Estate Exhibition)

200

Project Crayons corporate Social responsibility Award

of

ATNCC SHIMOGA

Appreciation

(Maharashtra

Page 23

Chamber

Of

4
200

Housing Company of the Year

2
200

Young Achiever Awards (Accommodation Times)

2
200

Rashra Nirman Ratna Awards

2
199

Udyog excellence Awards 1995

5
199

Housing company of the Year

2
199

Udyog Gaurav Award

PORTRAIT OF COMPANY

Head /Corporate Office

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Dheeraj Arma,
6th floor, Anant Kanekar Marg,
Station Road, Bandra [E]
Mumbai - 400051
Regd. Office
Warden House,
2nd floor, Sir P M Road,
Fort,
Mumbai - 400001
Branch offices of DHFL
In South Zone
Branch offices

Service centre

Bangalore

Kolar, Tumkur

Belgaum

Bagalkot, Gokak, Mudhol.

Bijapur, Chikkodi.

Davangere

Chitradurga,
Harapanahalli

Gulbarga

Raichur, Bidar,

Hubli

Bellary, Haveri.

Mangalore

Karwar

My sore

Mandya

Shimoga

Hassan

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Chennai

Vellore

Cochin

Allepey, Idukki

Kanpur

Kozhikode, kasargode

Madurai

Theni, Dindigul

Vijay Wada

Guntur, Eluru

Vizag

Rajahundry, Narsipatnam.

In West Zone
Branches
An kola

Service Centres
Jalgaon, Parbhani,
Amaravathi

Baroda

Anand, Halol

Jaipur

Dansa, Alwar

Jodhpur

Pali

Nagpur

Bhandara, Yavatmal

Surat

Navsari

Navy Mumbai

Pen

Ahmedabad

Kalol

In North Zone
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Branches

Service Centers

Bhopal

Itargi, Sager

Chandigarh

Patiala, Jakandhar

Indore

Khandwa, Khargone.

Kolkata

Durgapur, Barasat

New Delhi

Gurgaon, Ghazi bad

Raipur

Rajanandgon

CAPITAL STRUCTURE
DHFL has been prudent in its financial planning by
regular endeavor to raise low cost finds and adequate leverage
reflected by comfortable debt, equity ratio.

The capital

adequately ratio of DHFL as at March 31-2008 was 20.12%

against the minimum stipulated requirements of 12%.
SHARE HOLDERS PATTERN
Category

%age of Share Holders

1. Promoters

54.50

2. Body Corporate

18.19

3. UTI

14.83

4. Mutual Funds

1.09

5. Individuals

11.81

Total

ATNCC SHIMOGA

100.00

Page 27

CHAPTER- 3
HOUSING LOAN SCHENMES
HOUSING LOAN SCHEMES
Home Loan
Home Extension Loan
Home Improvement Loan
Sampoorna

Rakshak

cover
NRI Care Taker Loans
Plot Loans
FIXED DEPOSIT SCHEMES
Aashray Deposits
Cumulative
Non Cumulative

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Page 28

Free

insurance

Small Savings Schemes

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HOUSING LOAN
Dewan Housing Finance Corporation Limited, this is a
company which offers the financial services to the people. The
company offers intangible packages in the form of financial
services, which are not the physical goods as the product of
the company.
The main business and aim of the Dewan Housing
Finance Corporation Ltd, is providing long term loans to
individuals, co-operative societies, Corporate bodies and
associations

of

persons

for

the

purpose

of

acquisition

construction and improvement of the residential houses.

DHFL offers different types of Housing loans schemes i.e.
Home loan, Home Extension loan and Home Improvement loan
etc.,

LOANS

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DHFL Home Loans

DHFL Home Loans

are offered

to Individuals, Co-

operative Societies, Corporate bodies and Associations of

Persons.
The

home

loan

seeker

can

avail

loans

upto

Rs.

100,00,000/- but not exceeding 85% of the cost of the

property. The actual loan amount is determined after taking
into account factors like repayment capacity, age, educational
qualifications, stability and continuity of income, number of
dependents, co-applicant's income, assets, liabilities, saving
habits etc. The tenure of the loan ranges from 1 to 20 years.
The term however does not extend beyond the retirement age
or 60 years whichever is earlier (65 years for self employed
individuals). The size of the EMI depends on the quantum of
loan, interest rate applicable and tenure of loan.
DHFL has a Regressive Payment Scheme meant for home
loan seekers who are due for retirement within the term of the
loan and have applied jointly with an eligible younger coapplicant.
Prepayment of the loan, ahead of the contracted
schedule in part or full, is permitted subject to payment of

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nominal fees / charges as stipulated by DHFL from time to

time.

TABLE 3.1

Range

Amount

Tenure

(Rs)

Rate

of

interest

Minimum

1,00,000

5-10 years

10.50

Maximum

1,00,00,00

5-20 years

10.50

Samarth. Home loan for the self employed.

DHFL has pioneered a home loan for self employed
people. As a category they have been ignored by the housing
finance community. There are two reasons for this reluctance
to do business with them. The first reason is that they have
variable monthly income, even the prospects of some months

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without income. The second is that even if they have the

money, they dont have the necessary documentation that
proves them credit worthy. DHFL has pioneered a process
which facilitates the assessment of income through an
independent source other than the income tax authority.
Eligibility criteria
The self employed person should be more than 18 years
and less than 65 years of age.
The applicant is self employed /trader or engaged in service
industry.
The applicant should have been in the same line of business
for a minimum period of 5 years or should have inherited
the business from parents.
The applicant should be able to contribute at least 40% of
the total sum required.
Sales Tax Registration or any other registration of
business required by statutory authorities / local laws is
mandatory.
The business premises should be owned / inherited.

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 Business premises should not be on encroachment land

without title to property or deviated in construction from
approved plans.

DHFL Home Extension Loans

Home Extension Loans are offered to individuals who

wish to extend the existing accommodation, say by adding a

bedroom, enclosing open balcony, building an extra room on
the terrace etc.
The

customers

can

avail

these

loans

upto

Rs.

100,00,000-/ but not exceeding 85% of the cost of the

extension. The actual loan amount is determined after taking
into account factors like repayment capacity, age, educational
qualifications, stability and continuity of income, number of
dependents, co-applicant's income, assets, liabilities, saving
habits etc. The tenure of the loan ranges from 1 to 20 years.
The term, however does not extend beyond the retirement age
or 60 years whichever is earlier (65 years for the self
employed individuals). The size of the EMI depends on the
quantum of loan, interest rate applicable and tenure of loan.

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DHFL has a Regressive Payment Scheme meant for

applicants who are due for retirement within the term of the
loan and have applied jointly with an eligible younger coapplicant.
Prepayment of the loan, ahead of the contracted
schedule in part or full, is permitted subject to payment of
nominal fees / charges as stipulated by DHFL from time to
time.

DHFL Home Improvement Loans

Home Improvement Loans are offered to Individuals for

the purpose of renovation and repainting their homes.

Customers can avail these loans up to Rs.100, 00,000-/
but all loans availed not exceeding 85% of the total
documented cost of the property. The actual loan amount is
determined after taking into account factors like repayment
capacity,

age,

educational

qualifications,

stability

and

continuity of income, number of dependents, co-applicant's

income, assets, liabilities, saving habits etc. The tenure of the
loan ranges from 1 to 10 years. The term however does not
extend beyond the retirement age or 60 years whichever is

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earlier (65 years for the self employed individuals). The size of
the EMI depends on the quantum of loan, interest rate
applicable and tenure of loan.
DHFL has a Regressive Payment Scheme meant for
applicants who are due for retirement within the term of the
loan and have applied jointly with an eligible younger coapplicant.
Prepayment of the loan, ahead of the contracted
schedule in part or full, is permitted subject to payment of
nominal fees / charges as stipulated by DHFL from time to
time.

Sampoorna Rakshak - Free Insurance Cover

Sampoorna Rakshak is a triple protection insurance plan
designed specially for the customers of DHFL. This unique
insurance plan has been arranged in association with Future
Generali India Insurance Co. Ltd. This plan provides insurance
cover

for

damage

caused

to

property

due

to

disasters/calamities, personal accident and loss of job.

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Page 36

natural

The plan covers your home for losses due to Fire,

Lightning, Earthquake, Impact damage, Explosion & Implosion,
Aircraft Damage, Bush Fire, Riot, strike, Malicious damage,
Missile testing, Subsidence and landslide/rockslide, Leakage
from

Automatic

Sprinkler

Installations,

Bursting

and/or

overflowing of Water Tanks, Apparatus and Pipes.

DHFL offers Sampoorna Rakshak to its customer FREE of
cost.

NRI Care Taker Loans

NRI Home Loans are offered to Non Resident Indians

(NRIs) for residential properties in India. These loans can be

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Page 37

availed for purchase, construction, improvement & extension

also.
The NRI's can avail these loans upto Rs. 100, 00,000-/ but
not exceeding the 85% of the cost of property / estimate (for
improvement

extension).

The

actual

loan

amount

is

determined after taking into account factors like repayment

capacity,

age,

educational

qualifications,

stability

and

continuity of income, number of dependents, co-applicant's

income, assets, liabilities, saving habits etc. The tenure of the
loan ranges from 1 to 15 years. The term however does not
extend beyond the retirement age or 60 years whichever is
earlier. The size of EMI depends on the quantum of loan,
interest rate applicable and tenure of loan.
Prepayment of the loan, ahead of the contracted
schedule in part or full, is permitted subject to payment of
nominal fees / charges as stipulated by DHFL from time to
time.

DHFL Plot Loans

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DHFL Plot Loans can be availed by individuals, whether

salaried or self employed, to purchase non - agricultural land
situated within Municipal / Local Development Authority limits.
The loan seekers can avail these loans upto Rs.
10,00,000/- but not exceeding 85% of the cost of the plot. The
tenure of the loan ranges from 1 to 20 years. The term
however does not extend beyond the retirement age or 60
years whichever is earlier ( 65 years for self employed
individuals).
Prepayment of the loan, ahead of the contracted
schedule in part or full, is permitted subject to payment of
nominal fees / charges as stipulated by DHFL from time to
time.

Silver Jubilee Fixed Deposit Scheme

TABLE 3.2
Period in ROI p.a. Annualized
Days

ATNCC SHIMOGA

Yield

Senior

Senior

Citizens (ROI

Citizens

Page 39

p.a.)
399 days 10.05%
599 days 10.60%
899 days 10.70%
1099
10.80%
days

Annualized

10.92%
11.03%
11.14%

10.75%
10.85%
10.95%

Yield)
11.19%
11.30%
11.41%

11.25%

11.05%

11.52%

Minimum Deposit Rs.5,000/-, additional deposits in multiple

of Rs. 1,000/- thereafter
0.25% extra for Senior Citizens
Additional Conditions:
In case of a premature payment of the DHFL Silver
Jubilee Fixed Deposit, the same will be treated as an ordinary
Fixed Deposit & the premature payment rules will be
applicable accordingly.

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Page 40

Aashray Deposits
0.25% extra for Senior Citizens, Widows, Armed Forces

Personnel, existing DHFL Customers & Shareholders

Cumulative Scheme:
(Rates effective from 1st November 2008)
TABLE 3.3
CUMULATIVE SCHEME (I)
Certification
Period

Rate of Interest

Scheme for Rs.

Yield (Half

in

Half yearly (p.a)

10000/-

Yearly

Desposits

Compounding)

(Rupees)
9,066
8,212
7,410
6,768
6,139
5,568
5,051

10.30%
10.62%
10.78%
10.25%
10.25%
10.25%
10.25%

Months compounding
12
24
36
48
60
72
84
Minium

10.05%
10.10%
10.25%
10.00%
10.00%
10.00%
10.00%
deposit Rs.2000/-

Additional deposit in multiple of Rs.1000/-

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Page 41

Non - Cumulative Scheme:

(Rates effective from 1st November 2008)
TABLE 3.4
NON-CUMULATIVE SCHEME (II)
Rate of
Rate of

Rate of

Rate of
Interest

Period in Interest

Interest

Interest

Months (Payable

(Payable

(Payable Half (Payable

12
18
24
36
37-59
60-84
Minium

Monthly)
Quartely)
Yrl.)
Yearly)
9.80%
9.90%
10.05%
10.30%
9.80%
9.90%
10.05%
10.30%
9.90%
10.00%
10.10%
10.40%
10.00%
10.10%
10.25%
10.50%
9.80%
10.00%
10.00%
10.25%
9.80%
10.00%
10.00%
10.25%
deposit for Monthly Interest Plan is Rs.20000/-

Minimum desposit for others Rs.10,000/Amount of Maturity Value will be in multiple of Rs.1000/-

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Small Savings Scheme:

(Rates effective from 1st November 2008)
TABLE 3.5

SMALL SAVINGS SCHEME (III)

Monthly Deposit
Period of Months
Rs
500
Upto 36 Months
Above 36 upto to 84
500
Months
Recurring Deposit amount per month can be

Rate of Interest%
10.25%
10.00%
flexible subject to

a minimum of Rs.500/- and in multiples of Rs.100/-

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CHAPTER 4
BRANCH PROFILE
History and Location
Working and efficiency
Management Structure
Loan procedure
Eligibility
Documents
Repayment Criteria

Area covered by DHFL in India

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BRANCH PROFILE
History
Dewan Housing Finance Corporation Ltd popularly
known has DHFL has commenced its business in the year 1994
with only three workers in Shimoga branch, with an aim to
offer financial assistance to home acquires to actualise their
dreams owing a house.
At present it is working with eight workers in Shimoga.
i.e., Manager, Accountant, Appraisal officer, Technical officer,
Recovery officer, Service Centre in charger, Business executive
and

Administrative

assistant

with

proper

computerised

accounting network.
This company has started his business in Shimoga with
the aim of to give a financial assistance to all required people
in Shimoga, mainly who want to build their own house and this
company has encouraging people to have their own house
with giving easy finance.

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ial benefits and also DHFL has inviting the savings of

customers and they collecting fixed deposits from their
customers and other people with higher rate of return.

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MANAGEMENT STRUCTURE
In Shimoga Branch
Branch

Branch Manager

Technical officer
Appraisal officer
Accountants Officer
Recovering Officer
Service center

Incharger

Marketing / Business Executive

Business Executive

Loan Procedure
The appraisal officer attends to the queries of a prospective
borrower various details examples: eligibility details are
discussed during the meetings.

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 The borrower pays the processing fees, which is 1.5% of

their loan amount the fees are non refundable
The data for the personal interview is fixed up as per the
annual convenience of the office and the party.
The appraisal officer conducts the interview.
The appraisal officers study the file and discuss the case
with the branch manager.

That of the branch manager

should sustain recommendations of the appraisal officer.

The file is then recommended for sanction and sent across
to the corporate office.
The authority concerned sanctions the loans proposal.
The borrower submits all the leagal documents to the leagal
officer. The loan agreement and other documents are
signed.
The leagal officer then prepare a legal report after studying
the property documents in details .
9.The technical officer visits the property & submits the
technical

reports.

ATNCC SHIMOGA

The

amount
Page 48

to

be

disbursed

is

recommended

by technical officer as per the stage of

completion of construction.
The disbursement memo is prepared and signed by the
appraisal legal and technical officer countersigned by the
branch manager.
The accounts department then prepares the cheque, which
is sent to the corporate office for the signature of the
authorized signatories. The disbursement memo is attached
with important documents like guarantors salary slip and
form etc.
The signed cheque is then received and after checking once
again whether all the requirements are compiled with , the
same is handed over to the borrower.
The cheque for the amount disbursed is collected.

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Eligibility
The people who want to take a loan from the DHFL, they
have to fulfill these following requirements. They are as
follows;

Educational qualification.

Repayment capacity and age .

Stability and continuity of income.

Number of dependents and their income.

Co-applicants income.

Guarantee persons or surety persons income

Assets, Liabilities and savings habits proof etc.,

Documents
Depending upon
borrowing

capacity

they

the customers target and loan

have

to

submit

the

documents to DHFL.
1. For Salaried Persons

Salary slip or certificate with details of deductions.

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following

Employment certificate as per our format.

Latest copy of form No 16

Proof of additional income in any.

2.

For Employed Businessman or Professionals;

Brief profile of Business or Professionals.

Copy of last 3 years Income Tax Returns duly certified by a

chartered account.

Copy of last 3 years Balance Sheet and Profit and loss duly
certified by a CA.

Copy of computation Income statement.

TDS certificate copies.

Copy of proof by business premises or shop ownership.

3.

Common Documents

Copy of bank pass book of statement for last 6 months.

Copy of qualification certificate.

Copy of Ration card.

Proof of Residence.
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Copy of Age proof.

Repayment Criteria
The DHFL has EMI it means Equated Monthly Installment
payment to repay the loan amount.

Payments are done

through the bank by issuing of cheques or cash. DHFL collects

amounts by making composite various places on a date which
is previously fixed or ask his banker to make payments
regularly on his behalf or amounts is paid through deduction
from his salary.
Area Covered by DHFL in Shimoga Branch
DHFL has concentrated its Marketing activities to words
the all over the Shimoga, Hassan and Chikkamagalur. The
places covered are as follows:
Shimoga, Hosanagar, Aynor, Shikaripura, Holler, Honnalli,
Holehonnur, Bhadravathi, Thirthahalli, Tarikere, Kadur and
Birur, Chikkamagalur and Hassan.

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CHAPTER 5
ANALYSIS AND INTERPRETATION

Analysis
Tables and Graphs

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ANALYSIS AND INTERPRETATION

The most important objective of the study of in our
project report is to understand the customer attitude to wards
the "Housing loans and Fixed Deposit Schemes" of service
provided by DHFL in Shimoga branch.
The Analysis and survey was conducted by getting
opinion of the DHFL customers and other peoples. DHFL has
providing the house loan facility and fixed deposit facility with
regard, i am making questionnaire and interviewed the
customer of DHFL and other peoples to take complete
information of DHFL Company and making the comparison of
other companies and customers opinion about DHFL company.
The following 10 graphs and tables are showing the DHFL's

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performance and their business and their position in housing

finance sector in Shimoga city.

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Table 5.1.ge group

Age group
18-25
years
25-30
years
30-40
years
40 and
above
Total

No. of
respondents
06

Percenta
ge
12

11

22

17

34

16

32

50

100

Sources : questionnaire
Interpretation:
Result of age group of customers are show in the above
tabulation analysis can be

made 12% of the customer in

between the age group of 18 to 25, 22% of the customer lies

between the age group of 25 to 30. 34% of of the customer
lies in between the age group of 30 to 40 age. And 32% of the
customer are comes in between the age group of 40& above.

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No. of respondents
18-25 years

25-30 years

30-40 years

40 and above

12%
32%
22%

34%

Table 5.2.Educational qualification of customers.

Qualificati
on
SSLC
PUC
DEGREE
PG and
Others
Total
Interpretation:
Results of

No. of
respondents
9
8
25
8

Percenta
ge
18
16
50
16

50

100

Sources : questionnaire

regarding educational qualification of the

customers are shown in the above tabulation analysis can be

made 18% of the customers have passed SSLC and 16% of

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customers have passed P.U.C & P.G respectively. But the

Degree

completed

customers

are

in

maximum

number

because they are 50% of the total, they are dominating the
others and S.S.L.C passed customers are take 2nd place, they
are 18% . P.U.C and P.G& others are take last place they are
16%.

No. of respondents
25
20
15
10
5
0
SSLC

PUC

DEGREE
No. of respondents

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PG and Others

Table 5.3 Occupation of customers

Occupation
Govt.
employees
Private
employees
Business
peoples
Others
Total

No . of
respondents
12

Percentage

16

32

10

20

12
50
Sources : Questionnaire:

24

24
100

Interpretation:
From the above table

the details analyses of the

occupation of the customers of the DHFL are as follows. It is

clear that about 24% of the persons respondents are the
government employees out of 100% respondents. 32% of the
customers are private employees and about 20% of the
customers of DHFL are from business people and 24% of
customers are from other categories.
From the above table analysis it is clear that most of
the customers of DHFL are Private employees who are utilizing
the service of DHFL to maximum extent and in the best
manner.

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No . of respondents
No . of respondents
16
12

12
10

Govt. employees Private employees Business peoples

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Others

Table 5.4.Annual income the customers

Income per

No. of

Percentage

respondents
9
10

18
20

35000
Rs.35000 to

14

28

50000
Rs.50000 and

17

34

above
Total

50

100

annum
Below Rs.25000
Rs.25000 to

Sources of Questionnaire
Interpretation:
From the above income per annum table, it is clear that
18% of respondents having income below 25000,and 20% of
customers

are having income from Rs 25000 to 35000 and

about 28% of the people are having income of Rs 35000 to

50000 out of , 34% of the customers having more than Rs
50000 income.

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No. of respondents

Below Rs.25000

18%

34%

Rs.25000 to 35000
20%
28%

Above table, clears that the customers of DHFL are from all
class of people group, high, middle and low group. Only the
high and middle income groups of persons are getting the
service rendered by DHFL.

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Rs.35000 to 50000

Rs.50000 and abov

Table 5.5 .knowledge of DHFL

Answe

No. of

Percenta

respondents

ge

Yes

42

84

No

08

16

Total

50

100

Sources : Questionnaire
Interpretation:
From the above table shows that 84% of the customer
must know about the DHFL but remaining 16% of the
customers who dont know about DHFL.
So the majority of the customers were know about DHFL.

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No. of respondents
16%

Yes

No

84%

Table 5.6 Awareness of services provided by DHFL

Awarenes
s
Yes
No
Total

No. of

Percenta

Respondents
40
10
50

ge
80
20
100

Sources : Questionnaire
The above table show that out of 50 customers, 80% of
customers are aware about services provided by DHFL but

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remaining 20% of respondents are not aware about what

type of services are provided by DHFL.

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No. of respondents
Yes

No

20%

80%

Table 5.7Type of loan taken from DHFL

Type of loan

No

of Percenta

Fixed deposit
Housing loan
No accounts
Total

Respondents
15
28
7
50

ge
30
56
14
100

Source : Questionnaire
Interpretation:
It is clear that 30% of customers have fixed deposits in
DHFL, and 56% of the customers are taking housing loan in
DHFL and remaining 13% of the customers have no account in
DHFL.
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From the above analysis clear that there is a great

demand for home loans because every people have a dream to
have their own house.

No of Respondents
No of Respondents

28

15
7

Fixed deposit

ATNCC SHIMOGA

Housing loan

Page 67

No accounts

Table 5.8.Amount of loan borrowed from the DHFL?

Loan amount(RS)
Below Rs 50,000
Rs 50,000 to 1,00,000
Rs 100000 to 200000
Rs 200000 &above
No loan taken
Total

No of

Percentage

respondents
10
5
17
12
7
50

20
10
34
24
14
100

Source : Questionnaire
Interpretation:
From the above loan borrowed from DHFL table it is clear
that 20% of customers have taken loan below Rs 50000,10%
of customers have taken loan of Rs 50000 to 1 lakh, 34%of
customers have taken loan of Rs 1lakh to 2 lakh and 24% of
customers have taken loan amount of 2lakh & above but
remaining 14% of respondents havent taken loan from DHFL.

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No of respondents
No of respondents
17

12
10
7
5

Below Rs 50,000
Rs 50,000 to 1,00,000
Rs 100000 to 200000
Rs 200000 &aboveNo loan taken

Table 5.9 Customer opinion about rate of interest

Opinion
Excellent
Good
Satisfied
Not
satisfied
Total

No of

Percenta

Respondents
3
11
11
25

ge
6
22
22
50

50
100
Sources :Questionnaire

Interpretation:
The above table shows that the opinion of the different
respondents about the rate of interest

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Page 69

charged on the loan

taken by customers. Of that 6% having a

Excellent opinion

about rate of interest charged by DHFL and 22% of customers

having a Good opinion about DHFL's rate of interest and 22%
customers were satisfied about rate of interest charged by
DHFL .But remaining50% out of 50 customers they are not
satisfied with the rate of interest charged by DHFL.

No of Respondents
No of Respondents
25

11

11

Excellent

Good

Satisfied

Not satisfied

So 50% of respondents are not satisfied about rate of interest

charged by DHFL.

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Table

5.10

Opinion

about

customer

services in DHFL.
Customer
service
Excellent
Good
Satisfied
Not satisfied
Total

No of

Percentage

respondents
9
10
14
17
50

14
18
2850
18
100

Source : Questionnaire
Interpretation:

No of respondents
Excellent

Good

Satisfied

Not satisfied

9
17

10

14

The above table showing the customers opinion about

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customer services provided by the DHFL by its customers. This

table shows that the customer are having a satisfactory
opinion about customer services provided by DHFL. 14% of
customers having Excellent and 18% of customers having both
Good and Not Satisfied opinion about customer service and but
remaining 50%

of customers

having a satisfactory opinion

about customer service provided by DHFL to their customers.

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Table 5.11Opinion about the process involved to give

loan from DHFL.
Opinions
Excellent
Good
Satisfied
Not satisfied
Total

No of

Percenta

Respondents
6
10
25
9
50

ge
12
20
50
18
100

Source : Questionnaire
Interpretation:
The above table showing the customers opinion about
the process involved to give loan from DHFL. This table shows
that the satisfactory opinion about process involved to give
loan

from

DHFL

because

50%

of

respondents

have

satisfactory opinion. 12% of customers have excellent opinion.

20% of customers have good opinion but 18% of respondents
have not satisfied about the process involved to give loan from
DHFL

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ATNCC SHIMOGA

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No of Respondents
Excellent

Good

Satisfied

18%

Not satisfied

12%

20%

50%

Table 5.12 Difficulty in getting loan from DHFL

Difficultie
s
Yes
No
Total
Interpretation:

No. of
respondents
20
30
50

Percenta
ge
40
60
100

Source: Questionnaire

From the above table

showing that 40% of customers

have find difficulties in getting loan from DHFL but remaining

60% of the customers are not face any difficulties in getting

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loan from DHFL. It shows that consumers face reltively less

difficulties in getting loan from DHFL.

No. of respondents

No

Yes

10

15

20

No. of respondents

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25

30

]
Table 5.13 Recommendations to friends and relatives
Recommendat
ion
Yes
No
Total

No of

Percenta

respondents
35
15
50
Source: Questionnaire

ge
70
30
100

Interpretation:
The

above

table

showing

that

the

DHFL

customers

recommendation to their friends and relations to take loan

from DHFL to construct their house. Out of 50 respondents
opinion 70% people have recommended their friends and
relations to take loan from DHFL, but remaining 30% of
peoples are not recommended any peoples because of
different reasons.

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No; 30%

Yes; 70%

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Table 5.14 Comparison of DHFL service with others.

Comparison

No of

Percenta

respondents
Excellent
5
Good
12
Satisfied
18
Not satisfied
15
total
50
Source : Questionnaire

ge
10
24
36
30
100

Interpretation:
The above table showing the comparison about
different financial institutes to DHFL this survey gives the
findings about different opinion about the comparison the
DHFL with others has a 24% out of 50 peoples opinion had a
good opinion and 10% had a excellent opinion, and 36% of 50
Customers are satisfied opinion but remaining 30%
respondents are not satisfied when comparing with other
institution.

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No of respondents

Axis Title

18
16
14
12
10
8
6
4
2
0
Excellent

ATNCC SHIMOGA

Good

Page 80

Satisfied

Not satisfied

Table 5.15 If not DHFL, for which institution is preferred

for loan.
Financial Institution
HDFC
Banks
Non
institution
Others
Total

financial

No of

Percentag

respondents
10
20
12

e
20
40
24

8
50
Source : Questionnaire

Interpretation:

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Page 81

16
100

No of respondents

16%

HDFC

20%

Banks
24%

Non financial insti

Others

40%

This table shows that if not DHFL the customers prefer which
institution to take a loan. Of this survey the customers if not
DHFL 20% out of 50 respondents prefer to go for take a loan
from HDFC

and 40%

peoples have chosen

the Banks and

24% Non financial institution and remaining 16% peoples are

choose other type of institutions. Majority are interested in
preferring banks for loan.

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Table 5.16.Opinion about DHFL with compared to other

financial institutions.
Opinions

No of

Percentag

Excellent
Good
Satisfied
Not

respondents
6
14
18
12

e
12
28
36
24

satisfied
Total

50
100
Source: Questionnaire

Interpretation:

No of respondents

24%

Excellent

12%

Good
28%

Satisfied
Not satisfied

36%

The above table showing the comparison about different

financial institutions to DHFL ,this survey gives the findings
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about different opinion 12%of respondents have excellent

opinion , 28% of customers have good opinion about DHFL
and 36% of customers were satisfactory opinion about DHFL
but remaining 24% of customers have not satisfied when
compare with other financial institution.

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CHAPTER- 6
SUMMARY OF FINDINGS, SUGGESTIONS
AND CONCLUSION
Findings
General objective of the survey
Problems
Suggestions
Conclusion

FINDINGS
The survey revealed the following findings:
This survey gives the full information about how company .
Also shows that DHFL is the main Housing Finance company
in Shimoga.
Also the people feel well about customers service provided
by DHFL

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The DHFL company has the easy loan providing criteria to

provide loan for customers.
The repayment criteria, repayment period and procedure is
good, when compared to others.
The rate of interest of loan charged by DHFL is little bit high
when compared to other institutions

General objectives of the survey

To know the general opinion of the customers with regard to
Housing loans and DHFL company.
To know the opinion of the customers about the functioning
and working of the DHFL.
To know whether the customer is satisfied with the service
rendered by the DHFL.
To know the opinion of the customers about the general
attitude of the firm towards the customers.

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 To know effectiveness of the service provided by the firm in

comparison with the other banking and non banking
financial institutions.
To know whether the service rendered by the firm improving
in recent years.

Limitations of the survey

Lack of prompt reply given by the customer's and biases
replay given by the peoples.
Fear among the customers to freely express their views and
opinion about DHFL.
Lack of awareness among the peoples about the functions,
terms and conditions and procedure carried out by the
DHFL.
The customers have not given the information regarding full
utilisation of their House loan amount.

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Problems

Some peoples in Shimoga are not heard about DHFL

company, because of lack of information.

Lack of Advertisement problems, because the DHFL has not

giving lot of advertisement through media's .

The DHFL companies rate of interest is marginally high,

compared to the other banks and institutions.

Business execution in rural areas of Shimoga district is

quite difficult to Shimoga city. Because the uneducated
peoples are no proper understanding of the required
information about DHFL.

DHFL branch office is small and it has business throughout

Shimoga, so for that they require big office and big
management structure.

Some of the customers are not sharing their information

regarding DHFL with their Friends and Relations.

The customers are delaying and do not like to give all

required material information which requires company at
the time of sanctioning loan.

Also the some

of the customers are delaying the

repayments of loan.

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Suggestions

The DHFL branch offices main problem is higher rate of

interest, but it is marginally high when compare to others
and it also have a option of variable interest rate schemes.
But in my study the company has not charging a higher
rate of interest, so for that the company has to make a
program of giving full and complete information about
DHFL and their interest rate to their customers and
convince the peoples to take loan.

They have to give the advertisement through TV, Papers

and Big News boards, which attracted the peoples to
remove the lack of information to their company.

They have to give some beneficiary schemes and subsidies

to their customers t improve their customer services.

For the purpose of business expansion the DHFL branch

office make it change their office with big spaced office and
take more offices to do their business effectively.

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DHFL Shimoga branch has to appoint some qualified

persons to expansion of their business and studying of
peoples attitude and giving full information to customers
and peoples.

Conclusion
This study was conducted to know the marketing
concepts of Dewan Housing Finance Corporation Ltd, as a
Financial institution in the emerging housing finance sector has
done all its efforts to market its services. DHFL has also
acquired

the standards of information age by creating

company's website on the interest and is able to provide the

information to its customers and share holders through the
internet.
DHFL has emerged has a second important company in
the Housing Finance sector and has obtained the required
credit rating from the rating institution such as CARE [credit
analysis and revised limited] and DCR [Duff and helps credit
rating India] for is fixed deposits programs.

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The company has managed to increase its goodwill,

which must of the customers showing and high degree of
loyalty towards the company. Most of the customers are very
much satisfied with the operation and services of the company
and they have

continuously suggested their Friends and

relations to approach DHFL for housing finance. DHFL has

largely untapped market like businessman and professional.
DHFL should approach these classes of people and offer than
to get finance from the institution.
In Shimoga, DHFL is competing very much with Canara
Bank sponsored Can-Fin-Home ltd, thus DHFL should also
concentrate on the professional class present in Shimoga city.
DHFL in providing great service to the people who's
dream to have its own peaceful place called home a lifetime
achievement of any human being. Dewan Housing Finance
Corporation is definitely a friendly housing finance company to
maintain and may be advised to same reputation.

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DHFL has easy loan giving procedure, compare to other

institutions. They are taking only 1.5% fees as administration
charge it is very low compared to other institutions.

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Page 92

ANNEXURES
Questionnaire
Bibliography

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Page 93

QUESTIONNAIRE
Dear Sir/Madam
I am Nuthana final year BBM student of Acharya Tulasi
National College of Commerce Shimoga. I have undertaken the
project report on A Case study on housing loan & fixed deposit
schemes with special reference to Dewan housing finance
corporation limited. Hence kindly fill up my questionnaire &
give valuable suggestions the data is given by you.It will be
used only for the academic purposes.
Thanking You,

Yours faithfully
:
1. Name
2. Address

3. Sex

4. Age group
18 to 25
ATNCC SHIMOGA

Male (

:
(

)
Page 94

Female ( )

b.25 to 30

c. 30 to 40

d. 40 and above (
5. Education

:
a. SSLC

b. PUC

)
c. Degree
6. OCCUPATION

d. PG & other

:
a. Govt. Employee

b. Private Employee

c. Businessmen

d. Others

7. Annual Income

:
a. Below Rs.25000

b. Rs 25000 to 35000 (

c. Rs 35000 to 50000 (

d. Rs 50000 & above (

8. Do you know about DHFL?

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a. Yes (

b. No (

9. Are you aware of services provided by DHFL?

a. Yes (
10.

b. No (

What type of account do you have with DHFL?

a. Housing loan

deposit (

11.

b. Fixed

)
c. No accounts

d.Others

How much loan borrowed from DHFL?

a. Below Rs 50000

lakh (

above (
12.

b.Rs 50000 to 1

)
c. Rs 1 lakh to 2 lakh

d. Rs 2 lakh &

What is opinion about Rate of interest charged by DHFL ?

a. Excellent

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Page 96

b. Good

c. Satisfied
(

d. Not Satisfied

13.

Are you satisfied with the services provided by DHFL ?

a. Excellent

b. Good

( )
c. Satisfied

d. Not Satisfied

( )
14.

What is your opinion about the process involved to give

loan from DHFL?

a. Excellent

b. Good

( )
c. Satisfied

d. Not Satisfied

( )
15.

Do you find any difficulty in getting loan from DHFL ?

a. Yes

b. No

16.

Do you recommended about taking loan from DHFL, to

your Friends and Relations ?

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Page 97

a. Yes
(

b. No

17.

Services of the DHFL, when compared with the other

institutions
a. Excellent

b. Good

( )
c. Satisfied

d. Not Satisfied

( )

18.

If not DHFL, which institution you would prefer to take

loan ?
a. HDFC
(

b.Banks

d. Others

)
c. Non financial institution

19.

What is your opinion about DHFL with compared to other

financial institutions ?

ATNCC SHIMOGA

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a. Excellent
(

b. Good

)
c. Satisfied

d. Not Satisfied

20.

Do you suggest any thing for the improvement of

financial services or any other suggestions with regard to

DHFL.
________________________________________

Date

Place

: Shimoga
Signature.

ATNCC SHIMOGA

Page 99

BIBLIOGRAPHY

BOOKS
Law & Practice of Banking

-B S Raman

Broachers, Pamphlets, Magazines journals and Application

forms of DHFL.
Annual Reports of DHFL Guidance of the company officers.

Electronic source

www.dhfl.com

www.Indiapropertyshop.com/loans/dewan.htm

www.dhfl.com/investor/corporate_profile/m_profile.htm

www.dhfl.com/product/home_loan.html

ATNCC SHIMOGA

Page 100