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CHAPTER 4

ANALYSIS AND INTERPRETATION

DETERMINATION OF MEMBERS OF THE BANK:-

Members of the bank are those who are stakeholders of the bank allow people to subscribe,
invest money in shares of the bank and they are required to pay a membership fee or
subscription. It may be periodical membership fee or life time. Hence they receive a part of the
profit earned by the bank according to the amount invested by them.

Table No.

Showing Total Members of the bank

YEAR NO. OF MEMBERS

2011 4154

2012 4519

2013 5084

2014 5775

2015 6342
Graph

Showing Total Members of the bank

Total Members of the bank

TOTAL MEMBERS

5775 6342
4519 5084
4154

2011 2012 2013 2014 2015

ANALYSIS AND INTERPRETATION

From the above table and chart, it can be said that there is a gradual increase in the no
members. Between 2010-2011there were 4154 members, in 2011-2012 it slightly increased to
4519, in 2012-2013 it increase to 5084 and in 2013-2014 it again increased to 5775 and in 2014-
2015 it increase the number of 6342. Year by year number of members of the bank is growing.

There is a gradual increase in the members of the bank in the five consecutive years. This
is majorly because of the customers earning good interest on their account holdings and
borrowing with the Bank choose to become Co-operative group members and hence indirectly
acquire an ownership interest in the bank. From this it can be said that the bank is providing
satisfactory services to its members and as well as for customers.
DETERMINATION OF LOANS AND ADVANCES

In finance, a loans and advances are debt provided by one entity usually banks other
financial intuitions to another entity that is the customers at an interest rate, and evidenced by a
note which specifies, among other things, the principle amount, interest rate, and date of
repayment. Loans and advances entail the reallocation of the subject asset for a period of time,
between the lender and the borrower.

Table No.

Showing Total Loans & Advances

YEAR AMOUNT (IN LAKHS)

2011 1,710.01

2012 2,031.90

2013 2,663.70

2014 4,102.74

2015 5,292.99
Graph

Showing Total Loans & Advances

Loans and Advances


AMOUNT IN LAKHS

5292.99
4102.74
2663.7
1710.01 2031.9

2011 2012 2013 2014 2015

ANALYSIS AND INTERPRETATION

The analysis of above shows that in 2010 it was 1,710.01 lakhs; comparing 2010 it has
increased to 2,061.90 lakhs in 2011, in 2012 it has again increased to 2663.70 lakhs when
compared to 2011, in 2013 it was 4,102.74 lakhs and in previous year i.e. 2014 it has been
increased to 5,292.99 lakhs. There is a tremendous increase in loan amount when compared year
to year.

The loans and advances of the bank have bank an incline in the chart when compared
year by year. This is because of the bank is providing wide range of attractive loan schemes and
good services to both secured and un-secured with a favourable interest rates and simple loan
providing procedure. In the case of a larger asset, like a vehicle or building, the interest rate is
sometimes known as the lease rate. When the borrower is a low-risk party, they will usually be
charged a low interest rate; if the borrower is considered high risk, the interest rate that they are
charged will be higher. All these makes the customers buy more and more loans and advances
from the bank.

DETERMINATION OF GOLD LOANS

Gold Loan is defined as a form of debt financing whereby a potential gold producer
borrows gold from a lending institution, sells the gold on the open market, uses the cash for mine
development, then pays back the gold from actual mine production.

YEAR AMOUNT (IN LAKHS)

2011 22.37

2012 31.88

2013 159.28

2014 359.08

2015 576.30

Table No

Showing Total Loans against Gold Ornaments


Table

Showing Total Loans against Gold Ornaments

GOLD LOAN
AMOUNT IN LAKHS

576.3

359.08

159.28
22.37 31.88

2011 2012 2013 2014 2015


ANALYSIS AND INTERPRETATION

From the above analysis it is understood that there is increase in amount of loans against
Gold ornaments year by year. It was 22.37 lakhs in 2011 in 2012 it slightly increased to 31.88
lakhs. In 2013 is observed that there is a drastic change in the loan percentage. By comparison of
2013 and 2014 it has raised to 359.08 lakhs, comparison of 2014 with 2015 there is increase of
loan amount to 576.3 lakhs.From the table and the chart it can be inferred that the amount of
Lending on gold and jewels have increased year by year. In country like India gold is the most
popular form of investment. The price of gold bullion is influenced by demand from companies
that use to make gold to make jewellery and other products, and by perceptions of the overall
economy (for example, gold becomes more popular as an investment during timesof economic
instability).

At the need of people, when the economy of the country is bad people prefers to take loan
against gold. Because of the same reason in 2014 the gold loan rate has tremendous incline in the
chart. Decrease in the value of the rupee may be one more reason for the increase in the rate of
gold loan.

DETERMINATION OF OVERDRAFT LOAN

A bank overdraft is when someone is able to spend or withdraw more amount than what
is actually in their account balance. When the money doesnt belong to them but belongs to the
banks, so this money will need to be pay back by the withdrawer amount along with specified
interest amount; normally automatically done when money goes into the persons account. The
overdraft will be limited. A bank overdraft is also a type of loan as the money is technically
borrowed.

Table

Showing Overdraft loan


YEAR AMOUNT (IN LAKHS)

2011 305.35

2012 274.07

2013 221.68

2014 187.60

2015 134.25

Graph

Showing Overdraft loan


Overdraft Loan
AMOUNT IN LAKHS

305.35
274.07
221.68
187.06
134.25

2011 2012 2013 2014 2015

ANALYSIS AND INTERPRETATION

The Analysis shows that in 2010 overdraft was 305.35 lakhs, in 2011 it decreased to
274.07 lakhs, there is a decrease to 221.68 lakhs in 2012 comparing with 2011, in 2012 it
suddenly decreased to 187.60 lakhs and when compared 2012 and 2013 there is further decrease
to 134.25 lakhs with respect to lending. Year by year the loan amount drastically decreasing in
case of overdraft.

The interpretation is that demand by the customer for the overdraft has decreased with
respect to the bank. It is mainly because of the customers under the business category are not
sufficiently transacting with bank which is availing the set facility for the business needs.
Decrease in the value of rupee may be one more reason for the business man not taking more
risky by availing the overdraft facility for investment in the business.

DETERMINATION OF LOAN ON DEPOSITS


The main purpose of the deposit loan is helping the deposit holders to get financial help
against their deposits at the time of need, and the advance is for immediate family or business
expenses. This is the simple type of loan which can be taken against fixed deposits or recurring
deposits.

Table

Showing Loan on Deposits

YEAR AMOUNT (IN LAKHS)

2011 107.17

2012 137.74

2013 147.36

2014 217.20

2015 163.98

Graph
Showing Loan on Deposits

Loan on Deposits
AMOUNT IN LAKHS

217.02
163.98
137.74 147.36
107.17

2011 2012 2013 2014 2015

Analysis and Interpretation

The inference by the analysis made above is that the loans on deposits have grown year
on year excepts in the year 2015, from the analysis it can be said that there is an increase in
amount from 2011 to 2014 i.e. 107.17lakhs in 2011, in 2012 it was 137.74 lakhs, in 2013 it was
147.36 lakhs, in 2014 it was 217.20 and in 2014 it has unexpectedly come down to 163.98
lakhs.The chart shows slight fluctuation in the lending loan amount in past five years. For a co-
operative bank, membership amount or ownership amount and deposits are the main sources of
fund. In the first four years the bank has inclining graph as the deposits were satisfactory. But the
previous year i.e. in 2014 it has decreased it may be because year by year the standard of living
and expenditure of people have increased as the country was having slight bad economic
condition this may the major reason for decline in the depository amount by the customer of the
bank accordingly the loan on deposits has also decreased.

DETERMINATION OF LOAN ON LIC AND NSC POLICIES


LIC (Life Insurance Corporation of India) and NSC (National Savings on Certificates)
are the securities and policies against which loan can be borrowed there will be form online or
collect if from your nearest LIC/NIC branch or ask your agent to get if for you. Fill the
application and your policy details. For such types of loan Originals NSC/LIC Policy documents
to be submitted. LIC housing loans are the most popular in all LIC loan schemes.

Table

Showing Loan LIC and NSC policies

YEAR AMOUNT (IN LAKHS)

2011 2.43

2012 1.68

2013 2.54

2014 1.77

2015 1.26

Graph
Showing Loan LIC and NSC policies

Loan on LIC and NSC Policies


AMOUNT IN LAKHS

2.43 2.54
1.68 1.77
1.26

2011 2012 2013 2014 2015

ANALYSIS AND INTERPRETATION

From the above table it can be observed that the loan taken on LIC & NSC is fluctuating
from year to year. In 2011 it was 2.43 lakhs, in a year it decreased to 1.68 lakhs, in the next year
2013 it surprisingly it increased to 2.54 lakhs and in 2014 & 2015 it again has come down to
1.77 lakhs and 1.26 lakhs respectively.

The LIC and NSC are primarily used as small savings scheme and avail for income tax
under section 80 C of Income Tax Act, 1961. Getting a Loan against Securities couldnt get
easier with minimum documentation and speedy disbursals to meet all the financial deficit of
customers. Initially there is increase in the loan amount but the rate people invested in NSC is
less compared to LIC hence there is a high fluctuation i.e. increase and decrease in the loan
amount year by year.
DETERMINATION OF VEHICLE LOAN

Vehicle finance comprises the different financial products which allow acquire a Vehicle
with any arrangement other than single lump payment. The provision of Vehicle finance by third
party supplier allows the acquirer to provide for and raise the funds to compensate the initial
owner, either a dealer or manufacturer.

Table

Showing Vehicle Loan

YEAR AMOUNT (IN LAKHS)

2011 201.91

2012 213.96

2013 324.70

2014 341.19

2015 371.95
Graph

Showing Vehicle Loan

Loan on LIC and NSC Policies


AMOUNT IN LAKHS

371.95
324.7 341.19

201.91 213.96

2011 2012 2013 2014 2015

Analysis and Interpretation

The graph shows that there is gradual increase in the provisions of Vehicle loan. In 2011
it was 201.91 lakhs, in 2012 it has slightly increased to 213.96 lakhs, in 2013 it raised to 324.70
lakhs and in 2014 & 2015 it has tremendous increase in the loan amount i.e. 341.19 lakhs and
371.95 lakhs respectively because of the attractive vehicle loan schemes of the bank.

From the above table and chart it can be observed that there is tremendous increase in the
vehicle loan amount in the past five years. Day by day the need for vehicle or the rate of people
buying vehicles has drastically increased and hence traffic as well. It includes both first and as
well as second hand purchase. Observing the need and wants of customers the bank is providing
a good vehicle loan scheme with low interest and with minimum documents requirement. It
covers all types of vehicle. Because of the above reason the chart is showing an incline in the
graph.

DETERMINATION OF HOME LOAN

Home loans, also known as mortgages, use the borrowers home for collateral. Home can
be single-family house up to a four-unit property. As well as a condominium or co-operative unit.
Lenders fund home loans. But both the lenders themselves and brokers who act on behalf of the
lenders originate, or process, them.

Table No.4.8

Showing Home Loan

YEAR AMOUNT (IN LAKHS)

2011 194.89

2012 231.89

2013 294.95

2014 559.25

2015 246.55
Graph

Showing Home Loan

Home Loan
AMOUNT IN LAKHS

846.55

559.25

231.89 294.95
194.89

2011 2012 2013 2014 2015

ANALYSIS AND INTERPRETATION

The interpretation is based on the graph shown above. In this it can be observed that there
is stepwise increase in the loan amount year by year. In the year 2011 it was 194.89 lakhs, in
2012 it increase to 231.89 lakhs, in 2013 it slightly increase to 294.95 lakhs and in the year 2014
& 2015 it has inclined to 559.25 lakhs and 846.55 lakhs.

From the data and chart it can be said that from 2011 to 2015 there is gradual increase in
the amount, Home loan is a type of mortgage loan where in the customer in need of money
pledges his house as collateral security and takes
Loan against it. Home loans offer the investor a great deal of protection in that the
principal is secured by a valuable asset that could theoretically be sold off to cover debt. The
bank is providing a moveable loan schemes with less documents and less interest rate gradual
growth can be observed from the graphical representation.

DETERMINATION OF BUSINESS LOAN

A debt-based funding arrangement that a business can set-up with a financial institution,
the proceeds of commercial loans may be used to fund large capital expenditures and or
operations that a business may otherwise be unable to afford.

Table

Showing Business Loan

YEAR AMOUNT (IN LAKHS)

2011 314.71

2012 406.41

2013 497.09

2014 869.90

2015 1,131.34
Graph No.4.9

Showing Business Loan

Business Loan
AMOUNT IN LAKHS

1131.34
869.09

497.09
406.41
314.71

2011 2012 2013 2014 2015

ANALYSIS AND INTERPRETATION

From the analysis it can be interpreted that there is a stepwise increase in the amount of
loan. In 2011 it was 314.71 lakhs, in 2012 it increase to 406.41 lakhs, in 2013 it was a slight
increase in the loan amount i.e. 497.09 lakhs, in the next year i.e. 2014 & 2015 it tremendously
increased to 869.90 lakhs and 1,131.34 lakhs.
The inclination of lending amount can be observed from the table and chart. Bangalore is
city of full of corporate and business people. For the customer carrying out business the bank
provides loan facility. The bank is offering loan for both the small scale and large scale
industries. It has only three branches in urban area i.e. V.V. Puram branch, Marathalli branch and
Dommaluru branch, which in turn in helping them to cater to business people and lend the loan
required by them. Hence from the chart it can be said that there is a good growth in the lending
amount.

DETERMINATION OF EDUCATION LOAN

Money borrowed to finance education or school expenses. A loan program that provides
low-interest student loans to undergraduate and graduate students who demonstrate exceptional
financial need. Payments are often deferred while in school for a six-month grace period after
graduation or post-graduation. These do not require any collateral security against loan.

Table

Showing Education Loan

YEAR AMOUNT (IN LAKHS)

2011 4.24

2012 3.37

2013 11.41
2014 30.29

2015 51.89

Graph

Showing Education Loan

Education Loan
AMOUNT IN LAKHS

51.89

30.29

11.41
4.24 3.37

2011 2012 2013 2014 2015

ANALYSIS AND INTERPRETATION


The chart shows that there is a drastic increase in the provision amount year by year. The
total education loans in 2011 was 4.24 lakhs, in 2012 it came down to 3.37 lakhs, in the next year
2013 the amount raised up to 11.41 lakhs, in 2014 & 2015 there was a remarkable increase in the
loan amount i.e. 30.29 lakhs and 51.89 lakhs.

There is drastic change in the chart from 2011-2015. The Act of Right to Education the
amount of people educating year by year has increased including womens. For the talented
students who are in need of money for higher education, the bank avails them education loan
without collateral. The money from a loan is not actually lent to the student or their parents by
the government. Once the loan has been completed, the lender will then sell the loan back to in
order to free up their funds to helps additional students. For the noble loan scheme provided by
the bank incline in the graph can be observed.

DETERMINATION OF AGRICULTURE LOAN

Any of several credit vehicles used to finance agricultural transactions, including loans,
notes, bills of exchange and bankers acceptances. Thistype of financing are adapted to the
specific financial needs of farmers, which are determined by planning, harvesting and marketing
cycles.

Table

Showing Agriculture Loan

YEAR AMOUNT (IN LAKHS)

2011 85.78

2012 57.35
2013 60.74

2014 48.38

2015 41.92

Graph

Showing Agriculture Loan

Agriculture Loan
AMOUNT IN LAKHS

85.78

57.35 60.74
48.38 41.92

2011 2012 2013 2014 2015


ANALYSIS AND INTERPRETATION

Agriculture loan of the bank is showing unstable trend and there is fluctuation in the loan
provision amount. In 2011 it was 85.78 lakhs, in 2012 it came down to 57.35 lakhs, in 2013 it
again raised to 60.74 lakhs and in 2014 & 2015 there was a decline in the loan amount i.e. 48.38
&41.92 lakhs respectively.

From the above table and chart it can be observed that there is a varying graph from 2011
to 2015. Agriculture is diminishing gradually because of the urbanisation and even the bank has
only three branches in urban area i.e. V.V. Puram branch, Doddaballapura branch and
Dommaluru branch, where the agriculture loan loses its importance in front of other loan
schemes because of the people are moving to cities leaving agriculture. Hence there is extreme
decrease in the loan lending amount.

DETERMINATION OF LONG-TERM LOAN

Loans and financial obligations lasting over one year. Long-term debt for a company
would include any financing or leasing obligations that are to come due in a greater than a 12
month period. Such obligations would include company bond issues or long-term leases that
have been capitalized on a firms balance sheet.

Table

Showing Long-term Loan

YEAR AMOUNT (IN LAKHS)


2011 452.77

2012 687.62

2013 920.86

2014 1461.52

2015 1957.12

Graph

Showing Long-term Loan


Long- term Loan
AMOUNT IN LAKHS

1957.12
1461.52
920.86
687.62
452.77

2011 2012 2013 2014 2015

ANALYSIS AND INTERPRETATION

The graph is showing variable trend which means that there is gradual increase in the
loan amount. In 2011 it was 452.77 lakhs, in the next year i.e. 2012 it increased to 687.62 lakhs,
in 2013 it has again increased to 920.86 lakhs, in 2014 it drastically inclined to 1461.52 lakhs
and in 2015 it reached to 1957.12 lakhs.

There is a regular growth in the lending amount in case of long term loan. Bank loans and
financing agreements, in addition to bonds and notes that have Maturities greater than one year,
would be considered long-term debt. The customers is need of long-term loan are getting
satisfactory loan scheme with less interest and quiet long repayment duration. Hence there is an
incline in the graph showing the loan amount from 2011 to 2015.

SURETY OR DOMESTIC LOAN


The guarantee of the debts of one party by another. A surety is the organisation or person
that assumes the responsibility of paying the debt in case of the debtor policy defaults or is
unable to make payments. The party that guarantees the debt is referred to as the surety, or as the
guarantor in case of surety bond there is lower risk to the debtor (lender), which might lower
interest for the borrower. It can be in the form of a surety bond.

Table

Showing Surety or Domestic Loan

YEAR AMOUNT (IN LAKHS)

2011 8.36

2012 7.85

2013 14.17

2014 16.27

2015 10.55

Graph
Showing Surety or Domestic Loan

Surety or Domestic Loan


AMOUNT IN LAKHS

16.27
14.17
10.55
8.36 7.85

2011 2012 2013 2014 2015

ANALYSIS AND INTERPRETATION

The graph is showing that the Domestic or Surety loan has fluctuations from year to year.
The provision amount in 2011 was 8036 lakhs, in 2012 it declined to 7.85 lakhs, in 2012 it
tremendously raised to 14.17 lakhs and in 2014 and 2015 there was a fluctuation in the loan
amount i.e. 16.27 lakhs and 10.55 lakhs.

Surety is most common in contracts in which one party question whether the counter
party in the contract will be able to fulfil all requirements. The party may requirethe counter
party to come forward with a guarantor in order to reduce risk, with the guarantor entering into a
contract of surety ship. As a common man no body finds it easier to come forward as a guarantor
unless theborrower is close. Hence from the table it can be said that there is a variation inthe
lending amount year and accordingly fluctuation in the graph can be observed.

DETERMINATION OF HOUSE REPAIR LOAN


A type of federally insured mortgage product for individuals who want to rehabilitate or
repair a damaged home that will become their primary residence. In addition to the funds to
cover the purchase price of the house, the house repair loan provides the money needed for
repairs and related expenses as part of the loan.

This loan has a low down payments requirement compared to private-sector


mortgages and puts rehab projects within reach for individuals who otherwise could not
afford them

Table

Showing House or Repair Loan

YEAR AMOUNT (IN LAKHS)

2011 3.86

2012 3.24

2013 2.42

2014 3.18

2015 2.19

Graph
Showing House or Repair Loan

AMOUNT IN LAKHS

3.86
3.24 3.18
2.42
2.19

2011 2012 2013 2014 2015

ANALYSIS AND INTERPRETATION

TheHouse repair loan is fluctuating year. It can be observed that there is no attractive
loan scheme in the bank. In 2011it was 3.86 lakhs: in 2012 there is slight increase in loan
amount i.e. 3.24 lakhs, in 2012 it declined to 2.42 lakhs in 2014 and 2015the changeable trend
can be observed in the graph i.e. 3.18 and 2.19lakhs respectively.

The graph is showing high fluctuation from2011 to 2015.the labour cost has increased
high that instead of repairing a house one can go for new one. Hence in few years there is
decrease in loan amount and the bank supporters this type of loan as it helps to improve
communities and broadens home ownership opportunities for individuals: critics say that its a
risky loan product that isnt offered without government underwriting for a good reason.
Because of both the reason there is a high variation the lending amount.

Table
TABLE SHOWING LOANS AND ADVANCES OUT OF TOTAL
CURRENT ASSETS

ASSETS AMOUNT PERCENTAGE


(IN LAKHS)
Cash 6,970,255.00 0.71%
Balance With Banks 40,595,865.84 4.14%
Money at Call and 55,000,000.00 5.61%
Short Notice
Investments 310,912,627.69 31.71%

Other Deposits 827,866.00 0.08%


Loans and Advances 529,298,558.11 53.98%
Interest Received on 929,608.07 0.09%
Loan
Bills Receivable 0 -
Constituent Liabilities 0 -
for Acceptance
Building / Premises 16,934,000.60 1.72%

Fixed Assets 12,815,318.30 1.30%


Other Assets 2,160,134.51 0.22%
Interest and Other 3,947,568.77 0.40%
Receivables
Total 980,388,802.89 100.00%
Graph

CHART SHOWING TOTAL CURRENT ASSETS OF LONAS AND


ADVANCES

LOANS AND ADVANCES OUT OF TOTAL CURRENT ASSETS

Interest and Other Recei vabl esh;


; 0.71%
Fi xed
Bui As
l disng
Interest ets; 1.31%
/ Premi
Recei Other
veds es
on As0.09%
; Loan;
1.73% s ets ; 0.22% Cas Bal a nceMoney
Wi th at
BaCal
nksl; a4.14%
0.40% nd Short Notice;
5.61%

Cas h
Investments; 31.71%
Bal a nce Wi th Ba nks
Loans and Adva nces ; 53.99% Money at Cal l a nd Short
Notice
Investments
Other Depos i ts
Loans and Adva nces
Other Deposits; 0.08% Interest Recei ved on Loan
Bi l l s Recei va bl e
Constituent Li abi l i ties for
Acceptance
Bui l di ng / Premi s es
Fi xed As s ets
Other As s ets
Interest a nd Other
Recei vabl es

INTERPRETATION

The graph is showing the total current assets where the contribution of loans & advances
and investments are 54% & 32% respectively. By this we study that the bank has very good
scope for loans and advances. Hence it is following very good credit policy.
Table

CHART SHOWING TOTAL LOANS AND ADVANCES

Loans and AMOUNT (IN PERCENTAGE


Advance LAKHS)
Gold Loans 57,630,266.60 2.68%
Over Draft 13,425,036.26 0.63%
Loan on Deposits 1,633,397,951.46 76.10%
Loan on LIC / NSC 125,671.00 0.01%
Policies
Vehicle Loans 37,194,915.53 1.73%
Housing Loans 84,655,074.00 3.94%
Business Loans 113,133,630.22 5.27%
Education Loans 5,189,458.86 0.24%
Agriculture Loans 4,192,005.22 0.20%

Long Term Loans 195,712,002.66 9.11%

Survey / Domestic 1,054,713.58 0.05%


Loans
Business Loans 281,091.22 0.01%
House Repair Loans 219,178.78 0.01%
Educational Loans 87,562.72 0.40%
TOTAL 2146298558.11 100%
Table

GRAPH SHOWING TOTAL LOANS AND ADVANCES

SHOWING TOTAL LOANS AND ADVANCES

9.12%
5.27% Gol d Loa ns
Over Draf
3.94%0.05% 0.01% 0.01% 0.00% 2.69% 0.63%
0.20% Loa n on Depos i ts
0.24% Loa n on LIC / NSC Pol i ci es
Vehi cl e Loans
1.73%
Hous i ng Loans
0.01% Bus i nes s Loans
Education Loans
Agri cul ture Loans
Long Term Loa ns
Survey / Domestic Loa ns
Bus i nes s Loans
Hous e Repai r Loa ns
Educational Loa ns

76.10%

INTERPRETATION

The graph is showing the total contributions for loans and advance, in which the high
amount is being contributed from loans and advances where the loans and advances are
contributing 76% of the total loans and advances. Hence SSSBN is more efficient towards the
loans and advances.
Table

Table showing rate of interest for different loans and


advances.

Above Above Above


Rs.20 Rs.40 Rs.50
Above Rs Lakhs Lakhs Lakhs
5 lakhs Above Rs.10 Up to Up to Up to
up to Rs up top 10 Lakhs Up to Rs.30 Rs. 50 Rs. 1
LOANS 5 lakhs lakh Rs.20 Lakhs Lakhs Lakhs crore

HOUSING LOAN 12.50% 13% 13.50% 14% 14%

VEHICLE LOAN 13% 13% 13%

SECOND HAND VEHICLE LOAN 13.50% 13.50% 13.50%

MORTGAGE LOAN 12.50% 12.50% 12.50% 13%

LONG TERM LOAN 15% 15% 16% 16% 15.50% 15.50%


Graph

Graph showing rate of interest for different loans and


advances.

Chart Title

Above Rs .50 Lakhs Up to Rs . 1 crore

Above Rs .40 La khs Up to Rs . 50 La khs

Above Rs .20 Lakhs Up to Rs .30 Lakhs

Above Rs .10 Lakhs Up to Rs .20 Lakhs

above Rs 5 l a ks hs up top 10 l a kh

upto to Rs 5 l a khs

0.00% 10.00% 20.00% 30.00% 40.00% 50.00% 60.00% 70.00% 80.00%

HOUSING LOAN VEHICLE LOAN SECOND HAND VEHICLE LOAN


MORTGAGE LOAN LONG TERM LOAN
INTERPRATION
By this we interpret that housing loan are given the highest rate of interest, customers prefer
housing loan as one of the source. The other rateof interest can be given second preference that is
for mortgage loan, vehicle loan and long term loan etc.