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Bank of Baroda homeloan

Bank of Baroda homeloan

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Published by santosh
Project Title: Organisation:

Housing Loan a Comparative Study. Bank of Baroda.

The successful development in the banking business has become a complex process in the world of competition today. The development of marketing og a new service, the complexity of a new and different product, their market and therefore their process through which they developed, dictates that a number of different people, each which there own role, work together to create the service. The project represents a inform
Project Title: Organisation:

Housing Loan a Comparative Study. Bank of Baroda.

The successful development in the banking business has become a complex process in the world of competition today. The development of marketing og a new service, the complexity of a new and different product, their market and therefore their process through which they developed, dictates that a number of different people, each which there own role, work together to create the service. The project represents a inform

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Published by: santosh on Feb 24, 2010
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03/28/2013

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Project Title: Housing Loan a Comparative Study.Organisation: Bank of Baroda.
The successful development in the banking business has become a complex process inthe world of competition today. The development of marketing og a new service, thecomplexity of a new and different product, their market and therefore their processthrough which they developed, dictates that a number of different people, each whichthere own role, work together to create the service.The project represents a information regarding company’s/banks performance and theservice for the home loans to the all sections of society.The main objective of the project is to understand/study the different product of ahousing loan, the rate of interest of housing loan the days for sanctioning of a housingloan. This will help us to select the appropriate bank of financial institution which willhave less interest rate and maximum repayment period.For the execution of the project, the methodology adopted is the collection of information through primary and secondary data collection method, questionnaire, processing and analyzing data.The banks collected for comparison of a housing loan are the main stream banks in Nanded city i.e. state bank of India, bank of Maharashtra , one schedule and one co-operative bank. The above group represents the total population of Nanded city. TheBank of Baroda is very good service provider in the banking sector. The bank hasrecently completed 100 years, in its quest to become a world class bank with global best practice.The area of project work is Nanded city as it is the fast developing city in Marathwadaregion and the city has very good prospect in future.
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OBJECTIVE OF THE PROJECT:
The objective of the project on Home – Loans is to compare the home loan schemesof different banks and financial institutions in the Nanded City only. This will help usto select the appropriate bank of financial institution, which will have less interest rateand maximum repayment of period with easy documentation.Main objectives include:
Comparison of interest rate of different banks for Home-Loans.
Share of home loans in all loans disbursed by that particular bank.
Profitability & Cost of a loan proposal from the customer point of view andlenders point of view.Profitability and cost of the loan proposal decides the financial position of the bank and its survives. And it also helps to banks to decide which type of loans gives themmore benefits for the long period.
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BANKING AND FINANCE IN INDIA
The Indian money market is classified in to : the organized sector(comprising private, public and foreign owned commercial banks and cooperative banks, together knownas scheduled banks); and the unorganized sector(comprising individual or familyowned indigenous bankers or money lenders and non banking financial companies(NBFCs)).The unorganized sector and micro credit and still preferred over traditional banks inrural and sub-urban areas, especially for non-productive purposes, like ceremoniesand short duration loans.
Early History
Banking in India
originated in the first decade of 18th century. The first banks wereThe General Bank of India, which started in 1786, and Bank of Hindustan, both of which are now defunct. The oldest bank in existence in India is the State Bank of India, which originated in the "The Bank of Bengal" in Calcutta in June 1806. Thiswas one of the three presidency banks, the other two being the Bank of Bombay andthe Bank of Madras. The presidency banks were established under charters from theBritish East India Company. They merged in 1925 to form the Imperial Bank of India,which, upon India's independence, became the State Bank of India. For many yearsthe Presidency banks acted as quasi-central banks, as did their successors. TheReserve Bank of India formally took on the responsibility of regulating the Indian banking sector from 1935. After India's independence in 1947, the Reserve Bank wasnationalized and given broader powers.
Post-independence
The partition of India in 1947 adversely impacted the economies of Punjab and WestBengal, paralyzing banking activities for months. India's independence marked theend of a regime of the Laissez-faire for the Indian banking. The Government of Indiainitiated measures to play an active role in the economic life of the nation, and theIndustrial Policy Resolution adopted by the government in 1948 envisaged a mixed
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