Summer training project

presentation

 Vivek Kumar Gaur

MBA-06-
 TITLE

“A Comparative Analysis On The Types Of Retail Loans

Offered By Banks And To Judge The Customer Preference For
The Same”

OBJECTIVE
The objective of the study is divided into two parts:-
•Primary objective
•Secondary objective
 
PRIMARY OBJECTIVE:- To find out the interest rates,
tenure, percentage of funding, eligibility to apply for loans
etc.

SECONDARY OBJECTIVE:- To find out the extent to

which customer expectations match axis bank performance
 RESEARCH METHODOLOGY

The purpose of methodology is to describe the research

procedure and the data collection method.
 Descriptive In Nature
 Both secondary as well as the primary data has been used for
the research
 DATA ANALYSIS

1. COMPARISON OF HOME LOANS

Name Type Loan Interest rates EMI Processing fees
eligibility(in Rs.
lacs)

ICICI BANK floating 18-26 8.25%* 19,405 0.5% of loan

amount

HDFC BANK fixed 13-19 14.25% 26,972 0.5-1% of loan

amt.

SBI BANK fixed 20-28.8 8%* 19,113 0.5% of loan

amt.

AXIS BANK fixed 13-19 14% 26,635 1% of loan amt.

PNB BANK fixed 17-24 9.25% 20,724 0.5% of loan

amt.
 CONT…

2. COMPARISON OF PERSONAL LOAN

BANK NAME TYPE LOAN INTEREST EMI (rs. ) PROCESSING
ELIGIBILITY(rs.) RATE(%) FEES

ICICI BANK floating 4.15-5.53 14-18 3,418-3,615 2% of loan amt.

HDFC BANK Floating 3.93-5.24 15.5-22 3,491-3,819 2.5% Of loan amt.

SBI BANK Floating 4.39-5.85 14 3,418 2-3% of loan amt.

AXIS BANK fixed 3.98-5.31 14-21 3,418-3,768 2% of loan amt.

1.8% of the loan

PNB BANK fixed 50,000-4.0* 11-15*
amount + Service
Tax & Education
Cess
 Cont…
3. COMPARISON OF EDUCATIONAL
BANK
LOANS INTEREST INTEREST MAX. LOAN MAX. MARG-IN PROCESSING
NAME TYPE RATE AMT. REPAYMEN-T FEES
TENURE
(yrs)

ICICI BANK floating 11.25 -13% 10,00,000 7 5% 1% of loan amt.

HDFC BANK Fixed 12-14% 10,00,000 7 5% 1% of loan amt.

SBI BANK floating 12.75% 10,00,000 7 5% NIL

AXIS BANK fixed 13.75-15.75% 10,00,000 7 5% NIL

PNB BANK floating 11.25% 10,00,000 7 5% NIL

 FINDINGS

• Axis bank provides retail loans on fixed rates

whereas its major competitors provides loans
on floating rates
• Processing fees charged is either less than or
equal to other competitors
• Loan eligibility amount is more as compare to
other private banks
 CONT…

CUSTOMER SURVEY
• Sampling procedure - convenience sampling.
• Sample size - 50
• Sample extent - bulandshahr (u.p.)
• Sampling type - random
 In the survey, we found that majority of people who have taken
loan are salaried person, followed by self-employed and then
retire persons.
 On the basis of survey we found that home loan is most
popular,followed by educational loan and personal loans.
 male customer prefer more loan as compare to female customers.
RECOMMENDATION & CONCLUSION

 Efforts should be made to reduce the loan

disbursement & processing time
 Too much documentation is done, paper work should
be more friendly and clear
 After sales services are not upto the mark
 Customers should be given proper information about
EMI
 Pubic dealing hours should be increased to some later
time period
 Bank should make efforts to attract more and more
customers through increased advertisement
THANK YOU