SBI HOME LOAN

If you are planning to buy a home, then it is debatably

one of the biggest financial decisions in your life. Taking a home loan can involve lots of stress because it requires a lot of investment of money. Each and every man has a definite goal to become an owner of his own home. This is the most amusing and stirring point of their lives. Therefore there are many people who splurge their time in looking for a home loan but they avoid frittering time for exploring their home loans. In fact getting a home loan is very easy nowadays. There are a lot of public and private financial sectors which provide home loans to different customers based on their credit.

REVIEW OF LITERATURE
The origin of the State Bank of India goes back to the

first decade of the nineteenth century with the establishment of the Bank of Calcutta in Calcutta on 2 June 1806. Three years later the bank received its charter and was re-designed as the Bank of Bengal (2 January 1809). A unique institution, it was the first joint-stock bank of British India sponsored by the Government of Bengal. The Bank of Bombay (15 April 1840) and the Bank of Madras (1 July 1843) followed the Bank of Bengal. These three banks remained at the apex of modern banking in India till their amalgamation as the Imperial Bank of India on 27 January 1921.

RESEARCH METHODOLOGY
RESEARCH DESIGN
One

of the scientific principles of modern management is planning, and if someone wants to conduct a research project effectively and efficiently, then he has to plan the whole research process. This research plan is the jargon of the researcher, is called a research design. The word design means to prepare a preliminary sketch or to plan for work to be executed, and research design would mean to prepare a plan to execute a research report. I have done my research project mainly used exploratory research studies.

For Micro Enterprises and SSIs

SME Credit Card (Up to Rs.10 Lakh)

Product provides loans for the micro enterprises including SSI units, small business enterprises, professional and self employed persons, small retail traders, transport operators etc for meeting any kind of credit requirement including purchase of shops, maximum limit being Rs 10 lakhs including term loan & working capital loan. The loan will be sanctioned for 3 years with an annual review. This product has simplified sanction process without requirement of elaborate financial data. The borrower will be provided a photo identity card and a passbook giving details of the limit and validity of the facility. A cheque book marked as SME Credit Card and a pass book would be issued to the customer.
SME Smart Score (Up to Rs.50 Lakh)

The Loan product is for units in Micro and Small Enterprise sector in manufacturing trade and services segments to meet working capital needs and for acquisition of fixed assets. A simplified appraisal model has been developed to standardize the appraisal process for loans upto Rs 50 lakhs in SSI sector and upto Rs 25 lakhs for trade and services sector available with attractive interest rates. The loan will be sanctioned for 2 years with an annual review.

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For Startups
SBI SMILE (Interest Free Loan as equity)

The scheme envisages grant of interest free loan as equity assistance towards part of margin requirements of the project, to assist eligible professional and technically qualified entrepreneurs setting up new Micro and Small enterprises and units covered under the Banks Project uptech for technology upgradation. Equity assistance is up to a maximum of Rs.10 lakhs. Professional and Technically qualified persons will cover doctors including dentists, engineers, and management graduates etc. The interest free loan is repayable in 3 years with a moratorium period of 5-7 years.
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Term Loans

General Purpose Term Loan for SSI Sector (Up to Rs.50 Lakh) This product is for existing borrowers for any general commercial purpose such as shoring up of Net Working capital, substitution of high cost debt, R&D, ISO certification etc, subject to disbursement being made in line with the specific purpose approved. Maximum loan available is Rs 50 lakhs repayable in maximum period of 5 years.
Open Term Loan (Up to Rs.2.5 Cr) A pre-sanctioned term loan with limit upto Rs 2.5 crore for existing or new corporate or noncorporate customers in manufacturing sector and upto Rs 1 crore for hotels, hospitals, educational institutions in service sector. The scheme provides option of multiple disbursements for multiple purposes like expansion/modernization, substitution of high cost debt, up-gradation of technology, energy conservation system, acquisition of software, hardware, visits abroad for acquiring technology, finalizing deals, participation in fairs, market promotion etc. The sanctioned limit is valid for 1 year. Margin requirement is 10%. The borrower can utilize pre-approved sanction to plan capital expenditure and negotiate with suppliers of machinery and finalize best possible contract. Corporate Loan (Fro Rs.25 Lakh up to Rs.10 Cr) The scheme provides term loan for all existing customers and established non customers (subject to takeover norms of the Bank) in manufacturing sector for repayment of high cost debt, VRS scheme expenses, on going capital expenditure such as replacement of parts of machineries, upgradation and renovation, shoring up of net working capital, R&D expenses, acquisition of tools jigs etc. Quantum of Finance is minimum Rs.25 lakhs and maximum Rs.10 crores for non Corporate and no cap for Corporate borrowers. No Margins are required under the scheme. A maximum of three corporate loans can be outstanding per borrower at any point of time. Back

DATA COLLECTION
Both the primary and secondary will be the sources of

data collection but in this study the data was collected mainly through primary sources. In primary sources and Secondary sources we include:
Primary Data: I had used Questionnaire and survey

as primary data.
Secondary Data: I also collected data from internet,

magazines, Newspaper as secondary sources.

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Information of Collecting the Data

Detail of Borrower
Reason of Due amount Reason for become NPAs Commitment of Borrowers Utilisation of Fund Awareness of Loan Detail of Loan

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Our Survey on P- Segment of Loan

Education Loan
Personal Loan Home Loan Vehicle Loan SBF

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CONCLUSION
We are happy to getting opportunity to part of State Bank of

India and also get opportunity to tackle the NPAs Account. During Our Summer Training we meet 150 clients of bank and get their opinion the their problems. So, According to that duration we would like to conclude that, Account become NPAs in many way sometimes, Sometimes technical problem, Some times personal problem but these all problem will be solved by few precautions which earlier we mentioned. In any financial institution, NPAs are inevitable in the loan portfolio. But efforts should be made to maintain a reasonable level of NPAs. Keeping in mind the RBI plan to introduce the concept of One quarter for identification of NPAs by 2004, it is a high time to go in for recovery drive on a war-footing. While doing so, prevention of NPAs should not be forgotten. These are the major challenges before banks which have gone in for VRS. But sincerity and hard work along with professional approach on the part of bank management may help in the fulfillment of challenges. Towards this end, banks have to go long way.
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For Shop Owners

SBI Shoppe

Loans for present and prospective owners of shops/ offices/ showrooms/ training centres/ service centres/ garages/ offices for Chartered Accountants/ Consultants for the purchase / repair/ renovation of new/ old shops/ establishments/ offices/ dealers showroom etc. Maximum Term loan available is Rs 20 lakhs repayable in 3-7 years.
SBI Shoppe Plus

Loan to individuals/ proprietors/ partners etc with a steady source of income and possessing necessary approvals for construction of their residential house and for construction of office/shop, purchase of furniture, equipment, etc. Loan is given for purchase of residential houses and for office space as well. The scheme is a combination of housing loan and SBI Shoppe for professionals and self employed entrepreneurs.

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For Restaurant owners

Finance to Restaurants

Loans to the Owners of Restaurants and Fast food chains for purchase of kitchen equipments, investment in interior decoration, purchase of furniture and fixtures, purchase of land and construction of buildings etc. The loans are repayable in maximum period of 7 years. Simple sanction process.

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Miscellaneous
Rent Plus

Loan is given for purchase of residential house and for office space as well. The scheme is a combination of housing loan and SBI Shoppe for professionals and self employed entrepreneurs. The loan is to meet the liquidity mismatches of the borrowers business
SME Construction Equipment Loan

Term Loan for purchase of construction equipments viz. loaders, excavators, cranes etc., for contractors and firms engaged in construction activity. Loan is not available for purchasing old machinery/ vehicles. Maximum loan available is upto Rs 25 crore with minimum margin applicable upto 15%. Tenure of loan can be extended upto maximum of 4 years.
SME Car Loan Loans for purchase of passenger cars, jeeps, multi utility vehicles etc., to the promoter/partner/senior executives of the SME units having borrowing arrangements with the Bank/ their family members either in their own name or the units name as per the choice of the customer.

SME Current Account holders of the Bank or their family member either in their own name or in the units name, and other SME clients subject to obtaining a NOC from the bank where they might have a loan account, are also eligible. MCG units of the Bank will also be eligible for the product. Back Loans available for used cars also.

For Vendors and Dealers: Supply Chain Finance

Supply Chain Financing is an online collaborative platform for the banks, buyers and sellers for transactions and financing across the financial supply chain.
Electronic Vendor Finance Scheme

The scheme provides for financing receivables of vendors of reputed Corporates/ Industry majors (IMs). The scheme is a completely web based solution with minimal branch intervention and provides instant credit to vendors account electronically. This enables both the Industry Majors and their vendors to achieve the objective of Just In Time production. The vendors enjoy timely availability of funds.
Electronic Dealer Finance Scheme

The scheme provides for financing purchases of Dealers from Corporates/Industry Majors (IMs). It is a completely web based solution with customized MIS provided to the stakeholders. The Industry Major enjoys timely availability of funds. The dealer can make effective utilization on working capital funds. Both Industry Major and dealer can make use of improved cash flow forecasting.
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SBI Power
Value added Current account with eight variants with

concessions in cash transaction, remittances, collections and various other banking needs, based on the Quarterly Average Balance (QAB) maintained by our business customers.

POWERCURRENTACCOUNTVARIANTS POWER PACK QAB Rs.5lacs POWER PREMIUM QAB Rs.4lacs POWER PRIVILEGE QAB Rs.3lacs POWER ADVANTAGE QAB Rs.2lacs POWER GAIN QAB Rs.1lacs POWER SUPER QAB Rs.75,000 POWER LITE QAB Rs.40,000 POWER BASE QAB Rs.20,000

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Thank You