By Sumeet Punjabi

Roll no : 15
 To study different types of home loans provided by ICICI AND SBI Bank.
To study the process involved in sanctioning Home loans to the customers.
To asses the banks contribution towards fulfilling the requirements of
Borrowers.
To Study the RBI Guidelines For Banks Regarding Customer Complaints
On Home Loans.
To study the preferences of customers regarding home loans of ICICI and
SBI bank.
 Sources of data

Primary Secondary
data data
Naik (1981) is of the opinion that housing loans are usually
advanced against, the security of mortgage of land and the building
to be constructed with the loan. Housing finance is therefore a
mortgage finance.

P. Muthuram (1999) is of the opinion that housing finance,

particularly retail housing finance is acquiring great importance
because of government's incentives and stability in prices. All the
banks and institutions are plunging to have their own share in this
sector. The finance Act of 1999- 2000 has given greater thrust to
housing and house financing activities. Housing finance offers safe,
secured, profitable and diversified asset portfolio.
 Ulhasnagar and thane are two places which are the
most populated and popular too. People living here
are are no where left behind. Here each and every
facility is available in a very good manner. BANKS
here also play a vital role in making people move
there life in a satisfied way by providing them
facilities like home loans. My study is based on home
loans provided by the two famous banks in
ulhasnagar ICICI and in thane SBI.
 Awareness About traditional types of home loans
56%

54%

52%

50%

48%

46%

44%

42%
YES NO
 Awareness about traditional type of Home loans
70%

60%

50%

40%

30%

20%

10%

0%
Yes No
 Awareness Of Terms and conditions of Home loans
90%

80%

70%

60%

50%

40%

30%

20%

10%

0%
YES NO
 Awareness Of terms and Conditions of Home loans
100%

90%

80%

70%

60%

50%

40%

30%

20%

10%

0%
YES NO
 Satisfaction with the interest rate Charged
90%

80%

70%

60%

50%

40%

30%

20%

10%

0%
YES NO
 Satisfaction with the interest rate
100%

90%

80%

70%

60%

50%

40%

30%

20%

10%

0%
YES NO
 Satisfaction with after loan services
100%

90%

80%

70%

60%

50%

40%

30%

20%

10%

0%
YES NO
 Satisfaction with after loan services
100%

90%

80%

70%

60%

50%

40%

30%

20%

10%

0%
YES NO
 Satisfaction with the time taken in sanctioning loan
90%

80%

70%

60%

50%

40%

30%

20%

10%

0%
YES NO
 Satisfaction with time taken in sanctioning home loan
56%

54%

52%

50%

48%

46%

44%

42%
YES NO
 From the survey we can say that people are availing loan
facility from both the popular banks i.e ICICI and SBI
Bank . No. of Respondents of ICICI were 50 and 50 of
SBI Bank. People relating with SBI are more satisfied
with the interest rate as compared to ICICI as SBI interest
rate is low as compared to ICICI Bank. SBI people much
know about home loans then ICICI. After home loan
services of ICICI is good as compare to SBI. People are
more satisfied by ICICI for time taken for sanctioning the
loan as compared to SBI. People of SBI are more aware
of terms and conditions of home loans as compared to
ICICI.
 Most of the Banks in India have introduced several new
home loan products in order to meet the needs of wide
variety of Customers. The various home loan schemes
have their different interest rates in the market. The
customer can choose those schemes which he feels is
good for him and have the capacity to repay it on that
specified time period. If unwavering liability is what suits
your profile, then fixed interest rate home loan should be
natural choice. On the other hand if you can handle risk
and willing to go for extra mile to benefit from any other
fall in interest rates, floating rate home loans will be best.