PROGRESS REPORT 1

Date Of Joining – 28 May 2019

Name Of The Company – Paisa Technology Pvt. Ltd.(Diala bank)

Reporting Authority – Mr.Ashok Shira(Business Head Gold Loan)

Location – SCO 48-49, 2nd Floor, Sector -9D , Madhya Marg, Chandigarh-160009

Project Assigned – Gold loan marketing

I have been appointed as an Intern in Gold loan department. My work is to interact with the

customer and tell them about basic need of gold loan marketing . In the Dialabank we interact

with customer and asked them How to Get Gold loan. I was a part of Gold Loan Department

Team and my responsibilities is to attract the customer and generate the leads for the company

and also inform the banker about the deal.

OBJECTIVE OF THE STUDY

 To learn about Gold Loan Marketing.

 To improve the efficiency of Gold Loan Marketing.

 To gain competitive advantage over other competitor of Gold Loan Marketing.

RESPONSIBILITIES

 Maintain good relationship with clients so that the business can maximize the value of

those relationship.
  Participate in one to one meeting with clients to explain services in an effort to guide

their choices.

 Understand the problem and challenges of clients and identify ways the business could

better address those need.

 Provide excellent service in order to maintain a positive reputation for the business.

 Resolve any customer complaints in a prompt and professional manner.

DAY WISE PROGRESS

 Day 1 :

Induction:

At very first day of my joining. I was introduced by the staff and employee of the company

like what I have to do, how to do and also introduced with my rules and responsibilities, terms

and conditions of the company and had documentation formalities.

They had given basic overview and Introduction about the company and have been told

about how DialaBank do business in the market.

I have been told about how my work will contribute to the business done by DialaBank and

how my work can help the company to gain competitive advantage in the market.

Day 2-5 :

I have been allotted my Project Title. My gold loan executives give me a brief note on Gold

Loan segments. They basically deal with 3 banks “HDFC Bank ,YES Bank and ICICI Bank”.

The Banks do not give gold loan on “Solitaire, Gold Coins , Mangalsutar, Gold Biscuits and
Single Earring” . And also do not give gold loan to Police and Jewelers. They do gold loan in

3 segments:

 Term Loan

 Overdraft Account(Limit above 3 lacs)

 EMI

On day 3 I have been trained how to call customer. And how to generate the leads. Also share

the interest rate that have been charge on the loan requirement. I have to only deal with

HDFC Bank

Amount Monthly Interest

20000 - 40000 2%

50000 - 1 lakhs 1.5%

1 lakhs- 3 Lakhs 1%

3 Lakhs – 5 Lakhs 0.96%

5Lakhs – 10 Lakhs 0.91%

10 Lakhs and above 0.9%

On day 4 and day 5 I start calling to customer and collect information about their requirement

and call them and give all necessary information about gold loan. My main focus is to
convince the customer to take gold loan from HDFC Bank and send him/her to the bank for

further process.

Day 6-10:

On day 6 I act as a relationship manager and I asked customer all their requirement related to

Gold loan. I asked the customer about their choice and tell them about which gold segment is

suitable for her according to their requirements.

On day 7 I interact with banker over call and send them the details of customer by mail and

through telephone communication.

Day 11-15:

On day 11 I can maintain a good relationship with all the team member in the company.

Through these days I can handle the customer call and also manage the relationship with the

customer. On day 15 I do my first disbursal of Rs.14000 client name “Manush Paul” from

Kolkata.

Day 16-20:

On the day 16 I can continue with my work and deal in all segment of gold loan and try to

increase my work and satisfy customer need. My senior manager allotted me a state “Punjab”

in which I only have to take leads of Punjab area customer.

On day 20 I can handle all the work properly and fulfill the requirement of customer.
Day 21-30

Make good amount of disbursal:

Actual Full Name Mobile City Loan GL Deal

Disb Amt HDFC Closure
Date (Rs Second RM
Lacs) ary
7/6/201 Manush paul 7278078 Kolkata 0.14 Disb - Devika
9 117 Fully (09056469
Disburs 296)
ed
7/6/201 Nirali 9737006 Anand 0.3 Disb - Devika
9 188 Fully (09056469
Disburs 296)
ed
7/6/201 Jagjit kumar 7009905 Ludhiana 0.249 Disb - Devika
9 228 Fully (09056469
Disburs 296)
ed
10/6/20 pragya singh 8948994 Lucknow 4.27 Disb - Devika
19 499 Fully (09056469
Disburs 296)
ed
11/6/20 Khushi 9879079 Ahmedab 1.53 Disb - Devika
19 kishnani / 034 ad Fully (09056469
Prakash Disburs 296)
ed
11/6/20 SHARIK 9831176 Kolkata 4.95 Disb - Devika
19 HOSSAIN 786 Fully (09056469
Disburs 296)
ed
11/6/20 Gina Rani 9501011 Abohar 0.6 Disb - Devika
19 471 Fully (09056469
Disburs 296)
ed
18/06/2 Sandeep Gupta 9827929 Raipur 7.2 Disb - Devika
019 405 Fully (09056469
Disburs 296)
ed
19/06/2 Suresh Kumar 8763915 Jeypore 1.05 Disb - Devika
019 Mondal/sashmi 495 Fully (09056469
ta naik Disburs 296)
ed
19/06/2 Vipin kumar 9917347 Haridwar 0.778 Disb - Devika
019 897 Fully (09056469
Disburs 296)
ed
19/06/2 MANOHARL 9414499 Jodhpur 3.24 Disb - Devika
019 AL choudhary 337 Fully (09056469
Disburs 296)
ed
20/06/2 Gurshaminder 9888744 Abohar 4.6 Disb - Devika
019 Chahal 002 Fully (09056469
Disburs 296)
ed
20/06/2 Satvir singh 7347258 Nawansha 0.75 Disb - Devika
019 843 har Fully (09056469
Disburs 296)
ed
21/06/2 Suraj 6280742 Ludhiana 2.88 Disb - Devika
019 195 Fully (09056469
Disburs 296)
ed
21/06/2 Ramu 9990807 Ludhiana 0.67 Disb - Devika
019 chhetry/Balbah 793 Fully (09056469
adur Disburs 296)
ed

In one month in can finished with the sale of 50Lakhs in the gold loan marketing team. And

earn incentive for same.

CHALLENGES

 It is difficult to understand the language of south peoples because their language

change can be differ.

 It is difficult to maintain good relationship with the banker. Because nature is different

of all person.

 Maintain the customer.

 Documentation problem.

 Cybill issues.
Appreciation Received

As per my guide Mr Ashok Shira can appreciate my work in front of CEO Mr. Gaurav

khurana.

And also give me a direction how I can do much better in my work progress.

LEARNING OUTCOMES

 During this internship periods of 45 days I had learned lots of aspects related to the

gold loan.

 How the deal can be happen.

 How we can satisfy the customer.

 Which documents can be required for loan purpose.

 How we deal with banker related gold loan segment.

Future Course Of Action For Next 15 Days

 Take experience from my guide how I preform more better and understand the concept.

 For diala bank I can give the sale more and more so that company earn profit

 To maintain good relation with the company and customer.

.