A PROJECT REPORT ON COMPARATIVE ANALYSIS OF ICICI AND HDFC BANKS IN HOME LOAN SECTOR Submitted To: KURUKSHETRA UNIVERSITY,

KURUKSHETRA In the partial fulfillment of the requirement for the Degree of MASTERS OF BUSINESS ADMINISTRATION (MBA)

Under the Supervision of: Dr. D. D. Arora (Dean of Colleges) Ms. Reeta Clonia (Research Scholar)

Submitted By: Sahil Berwal MBA (General) Roll No. - 01 Exam Roll No: - . Session: 2011-2013

UNIVERSITY SCHOOL OF MANAGEMENT KURUKSHETRA UNIVERSITY, KURUKSHETRA (Established by the State legislature Act XII of 1956) (A Grade NAAC Accredited)

University School Of Management, Kurukshetra University Kurukshetra 136118(Haryana)

CERTIFICATE

This is to certify that Mr. SAHIL BERWAL has worked under my guidance on the topic Comparative Analysis Of ICICI and HDFC Bank in Home Loan Sector. The project is original work to best of my knowledge and belief. This work has not been submitted for any other degree/diploma exam anywhere. The project work is up to the standard expected from an MBA student & I recommend this for evaluation.

Dr. D.D. Arora (Dean of Colleges) University school of Management Kurukshetra University Kurukshetra

DECLARATION

I, SAHIL BERWAL, hereby declare that the Dissertation entitled Comparative Analysis Of ICICI and HDFC Bank in Home Loan Sector has been completed by me under the supervision of Dr. D. D. Arora, Dean of colleges, University School of management, KUK. The report has been prepared based on the detailed literature review and the sources benevolent to the study as shown in the bibliography, analysis and interpretation in this project to prove the concept true as per law. This is my own work and I have not submitted the same elsewhere for the award of any other degree or diploma.

I am submitting it in the partial fulfillment of the requirement for the degree of Master in Business Administration.

Dated:

(Signature)

PREFACE

Theoretical knowledge without practical knowledge is of little value. Theoretical studies in classroom are not sufficient. Therefore, it becomes necessary to undergo a project work. Practical project supplement the theoretical studies. Choice of present topic of research is an effort to contribute something to the sphere of Comparative Analysis Of ICICI and HDFC Bank in Home Loan Sector. Although, a few studies on the topic relating to this have also been conducted by the different research scholars, but I think that, new study will also be beneficial. This dissertation aims to give an overview of the concepts related to risk & return with relation to individual security as well as portfolio as a whole. This study explains why it is important for an investor to analyze risk & return of securities & how can they measure the same. I am grateful to all those who have helped me directly or indirectly in preparing this project. And I also believe that there is always scope for improvement and accordingly I shall look forward to receive suggestions.

ACKNOWLEDGEMENT
With the great reverence I bow before The Almighty for blessing me with the zeal to successfully complete the project. It really makes me privileged to be a student of USM, KUK that has given me a platform to nurture my aptitude and competency required for doing this project successfully and capably. I express my deepest gratitude to, Dr. D.D. Arora & Ms. Reeta Clonia for their kind consideration, painstaking efforts, constant encouragement and valuable advice throughout the study of the present research problem as well as preparation of the project report. I am also grateful to Dr. B. S. Bodla (Chairman, USM, KUK) who was always there to give my spirits a boost. I would like to thank all of them for giving their precious time from their busy schedule to answer my queries and solving my problems. Last but not the least, my thanks to all the people who helped me in making my efforts fruitful

SAHIL BERWAL