PDF Credit Analysis of Personal Loan HDFC Bank Specialisation Project

A SPECIALIZATION
PROJECT REPORT
ON
“CREDIT ANALYSIS OF PERSONAL LOAN”
( HDFC bank)”
A project Submitted to
University of Mumbai for partial completion of the

degree of
Master of Management Studies
Under the Faculty of Commerce
SUBMITTED BY:
PRANJALI JAGANNATH SHINDE
Roll No.19100
Under the Guidance of
Prof.: UJWAL DHOKANIA
SWAYAM SIDDHI COLLEGE OF MANAGEMENT AND RESEARCH,

BHIWANDI
April 2021
BATCH: 2019-2021
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DECLEARATION BY THE LEARNER
I tba ukoarsidkao Miss. Pranjali jagannath shinde barafy

oale`ra tb`t tba wgrm ajfgoiao ik tba prgjalt wgrm titeao “CREDIT
ANALYSIS OF PERSONAL LOAN” cgrj jy gwk lgktrifutigk
tg tba rasa`rlb wgrm l`rriao gut ukoar tba duio`kla gc Prof. Ujwal
Dhokania is ` rasuet gc jy gwk rasa`rlb wgrm `ko b`s kgt faak
pravigusey sufjittao tg `ky gtbar Qkivarsity cgr `ky gtbar Oadraa/
Oipegj` tg tbis gr `ky gtbar Qkivarsity.
Tbakavar racarakla b`s faak jòa tg pravigus wgrm gc gtbars, it b`s
faak lea`rey ikoil`tao `s sulb `ko ikleuoao ik tba fifeigdr`pby.
I, bara fy curtbar oale`ra tb`t èe ikcgrj`tigk gc tbis oglujakt b`s
faak gftìkao `ko prasaktao ik `llgro`kla witb `lòajil ruea `ko
atbilè lgkoult.
K`ja8
Pr`kjèi j`d`kk`tb sbikoa
\idk`tura gc tba ea`rkar
PV@KH@EI H@D@KK@TB \BIKOA
Larticias fy
K`ja `ko \idk`tura gc tba Duioikd Ta`lbar
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SNAYANSIDDNI00LLEGE0F2ANAGEMEN7&RESEAR5F
ARliatedto UniversigofKunbai,Approved 6y AICII, Recognised éy DIIGo¥oMaharashtra
CF.RTIFICATF.
This is to certify that Hs. Pranjali jasannath shinde has worked

and duly completed her project Wok for the degree of Master of
Management Studies under the Faculty of Commerce in the subject of
and her project is entitled “CREDIT ANALYSIS OF PERSONAL
LOAN” ( HDFC bank ) under my super vision.
I further certify that the entire work has been done by the learner
under my guidance and that no part of it has been submitted
previously for any Degree or Diploma of any University.
It is her own work and facts reported by her personal
findings and investigations
Name
Signature of Guidance Teacher
Date of submission:
3|P ag e
ACKNOWLEDGEMENTS
Tg eist wbg èe b`va baepao ja is oicciluet falùsa tbay `ra sg

kujargus `ko tba oaptb is sg akgrjgus.
I wgueo eima tg `lmkgweaoda tba cgeegwikd `s faikd ioaèistil
lb`kkaes `ko crasb oijaksigks ik tba lgjpeatigk gc tbis prgjalt.
I t`ma tbis gppgrtukity tg tb`km tba University of Mumbai cgr divikd
ja lb`kla tg og tbis prgjalt.
I wgueo eima tg tb`km jy Principal, prof. Arloph Johnvirira cgr

prgvioikd tba kalass`ry c`lieitias raquirao cgr lgjpeatigk gc tbis
prgjalt.
I wgueo eima tg axprass jy siklara dr`tituoa tgw`ros jy prgjalt duioa
Prof. Ujwal Dhokania wbgsa duio`kla `ko l`ra jòa tba prgjalt
sullasscue.
I wgueo eima tg tb`km jy College Library, cgr b`vikd prgvioao
v`rigus racarakla fggms `ko j`d`zikas rae`tao tg jy prgjalt.
E`stey, I wgueo eima tg tb`km a`lb `ko avary parsgk wbg oiraltey gr
ikoiraltey baepao ja ik tba lgjpeatigk gc tba prgjalt aspalièey jy
P`rakts `ko Paars wbg suppgrtao ja tbrgudbgut jy prgjalt.
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Index
No CONTENT PAGE NO.
CHAPTER.1 EXECUTIVE SUMMARY 7

Objective of the project 8
CHAPTER.2
2IN.1TCRoOmDpaUnCy TPIrOofNile 9
2.1.1 History Of HDFC Bank 10
2.1.2 Mission & Vision 12
2.1.3 Achievement & Awards 13
2.1.4 Bord Of Directors 14
2.2 Three Business Unit 15
2.3 Product & Services 17
2.4 Business Focus & Technology Use 20
2.5 Business Strategy 21
2.5 Capital 22
2.6 SWOT analysis HDFC bank 23
CHAPTER.3 LITERATURE REVIEW 24

CHAPTER.4 OBJECTIVE OF STUDY 26
CHAPTER.5 PERSONAL LOAN 27
5.1 What Is Loan 27
5.2 What Is Personal Loan? 28
5.3 How Do You Choose A Perfect Person Loan 29
5.4 What Are The Uses Of Personal Loan 30
5.5 Characteristics Of Personal Loan 31
5.6 Advantage Of Personal Loan 32
5.7 Types Of Personal Loan 33
5.8 Pre — approved personal loan 41
CHAPTER.6 Credit Line 44

6.1 Concept Of Credit 44
1 I m p r ta n ce O f C re d it 4
6.1. 2 R ea so n s F or C r ed it A nalysis 4
6.1.3 Stages Of The Credit Analysis Process 4
5
6.2 How To Apply For A Personal Loan
6.3 Documentation 5
6.3.1 In Case Of Salaried Employees 46
6.3.2 In Case Of Self Employed 48
6.4 HDFC Bank Personal Loan Top- Up 49
6.5 Eligibility Criteria 50
6.6 Charges Applicable Before And After 50
The Personal Loan 51
6.7 HDFC Bank Personal Loan Interest Rates 52
6.7.1 Comparison Of Personal Loan Interest Rates 53
In India
55
58
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Loan procedure 59
7 factors that determine whether you loan gets 61
sanctioned
Rejection of the HDFC bank personal loan 64
HAPTER RESARCH METHODOLOGY 67
CASE STUDY 68
DATA ANALYSIS AND INTRETION 71
CH.APTF.R 10 FINDINGS
CONCLUSION 83
CHAPTER 11 BIBLOGRAPHY 85
ANNEXTURE 86
EXECUTIVE SUMMARY
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The study is on credit analysis of personal loan in HDFC bank HDFC bank limited is one of
the fast growing Indian banking and financial services company. It has got very important
presence it consumer as well as corporate sectors I have undertaken a project titled credit
analysis of personal loan. Credit appraisal is also an important function of the bank it is credit
worthiness of a loan applicant and to evaluate viability of the project.
Personal loans help you to take care of your immediate requirements Without much of a
hassle. The most attractive feature of the personal loan is that you do not have to give any
kind of security to avail this loan. Many times people would have experienced financial
crisis during such events they would have borrowed money from their neighbour or
acquaintance a credit history etc.
The study is on credit analysis of personal loan in HDFC ( housing development fiancé
corporation ltd)
The main focus of my project is on the appraisal loan and keep a check on the credit
worthiness of the borrower and the financial & economic viability of loan proposed.
The main objective of the project was to know the loan proposal system of HDFC bank the
analysis of any proposal consist two parts
g Internal
g External
Internal is extract of internal consisting of calculation of tenor as per norms calculation

of eligibility whit reference to income shone by an applicant then if approved to
calculate the equated monthly instalments & actual disbursement.
External analysis involves collection of decahenry proofs regarding income profile

residence verification and the end use.
OBJECTIV OF THE PROJECT
• To find out exactly what is credit analysis is ?

• How it is to be done ?
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• To find out what is the criteria to be considered by the bank to give loan for
various purposes
• How the processing is done on the applicant loan request loan request & how it is
to be accepted or rejected
• To know and study various credit facilities provided by the banks
CHAPTER: 2
COMPANY PROFIL
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Housing Development Finance Corporation Limited (HDFC) is an Indian financial
services company headquartered in Mumbai, India. It is one of the leading home finance
providers in India. It is also present in banking, life and general insurance, wealth
management, venture capital, real estate, education, deposits and educational loans. HDFC
Bank Limited is an Indian banking and financial services company headquartered in
Mumbai, Maharashtra. It has a permanent employee base of 104,154 as of Hune 30, 2019.
HDFC Bank is the largest private sector bank in India by activity. It is the largest bank in
India by market capitalization as of March 20
HDFC Bank was one of the first to receive "in principle" approval from the Reserve Bank
of India (RBI) to establish a private sector bank from Housing Development Finance
Corporation Limited (HDFC), in 1994 during the period of liberalization. of the banking
sector in India. HDFC India was incorporated in August 1994 under the name "HDFC Bank
Limited". HDFC India began operating as a scheduled commercial bank in Hanuary 1995
HDFC India offers a variety of products such as personal loans, home loans, standard life
insurance, mutual funds, securities, credit cards, etc. HDFC has branches in major cities of
India such as Calcutta, Chennai, Delhi, Bangalore, Hyderabad, Ahmedabad. in addition to
HDFC Mumbai.
2.1.1 HISTORY OF THE HDFC BANK
HDFC BANM LTD was incorporated in August 1994 in the name of "HDFC Bank
Limited", with its registered office in Mumbai, India. HDFC Bank began operating as
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a scheduled commercial bank in Hanuary 1995. If there was ever a man on a mission,
he was. Hasmukh Bhai Parekh, founder and president emeritus of the HDFC group.
HDFC BANM LTD was one of the first to establish a bank in the private sector. The
bank was incorporated on August 30, 1994 under the name of "HDFC Bank Limited",
with its registered office in Mumbai. It began operating as a scheduled commercial
bank on Hanuary 16, 1995. The bank has grown steadily and is now a major player in
the industry. HDFC is India's leading domestic finance firm and has an impeccable
track record in India and international markets. Since its inception in 1977, the
Corporation has maintained steady and healthy growth in its operations to remain the
leader in the mortgage market. Its outstanding loan portfolio covers more than one
million housing units. HDFC has developed significant retail mortgage lending
experience for different market segments and also has a large corporate customer base
for its home-related credit lines. With its experience in the financial markets, a strong
reputation in the market, a large shareholder base and a unique consumer franchise,
HDFC was ideally placed to promote a bank in the Indian environment In a historic
transaction in the Indian banking sector, Times Bank merged with HDFC Bank Ltd.,
effective February 26, 2000.
HDFC Bank Ltd is one of the leading banks in India. Headquartered in Mumbai,
HDFC Bank is a next generation private sector bank offering a wide range of banking
services covering commercial and investment banking on the wholesale side and
banking / branch operations on the retail side. As of 30 September 2017, the bank's
distribution network consisted of 4,729 branches and 12,259 ATMs in 2,669 cities and
towns. HDFC Bank also has an overseas wholesale banking branch which makes
Bahrain a branch in Hong Mong and two representative offices in the United Arab
Emirates and Menya. The Bank has two subsidiaries, namely HDFC Securities Ltd
and HDB Financial Services Ltd. The Bank has three main business segments, namely,
wholesale banking and treasury business. The retail banking segment serves retail
clients through a network of branches and other distribution channels.
The segment offers loans, non-financial services and transaction services to public
sector business units, government agencies, financial institutions and midsize
companies. The treasury segment includes net interest income from the Bank's
investment portfolio. All Visa / MasterCard Visa Electron / Maestro Plus / Cirrus and
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American Express Credit / Charge cardholders can access the Bank's ATM network.
The Bank's shares are listed on the Bombay Limited Stock Exchange and India
National Stock Exchange Ltd. The Bank's American Depository Shares (ADS) are
listed on the New York Stock Exchange (NYSE) and the Dlobal Certificates of
Deposit (DDR) of the Bank. Bank. on the Luxembourg Stock Exchange. HDFC
Bank Ltd was
formed on August 30, 1994 by Housing Development Finance Corporation Ltd. In

1994, Housing Development Finance Corporation Ltd was one of the first to receive
nn
in principle '' approval from the Reserve Bank of the United States. establish a private
sector bank as part of the RBI's liberalization of the Indian banking sector. HDFC
Bank began operating as a registered commercial bank in Hanuary 1995. Ramon
House Churchgate branch opened on Hanuary 16, 1995 as the bank's first branch. In
March 1995, HDFC Bank launched an initial public offering (IPO) of Rs 50 million
(holding shares of Rs 5 million to Rs 10 each at par), resulting in a record 55 times the
number of subscriptions in excess. HDFC Bank was listed on the Bombay Stock
Exchange on
May 19, 1995. The bank was listed on the National Stock Exchange on November 8,
1995. In 1996, the Bank was designated as a clearing bank by the NSCCL. Retail
investment advisory services were launched in 1997.
LOGO AND TAGLINE OF HDFC BANK
LOGO-
TAGLINE- We understand your world
2.1.2 MISSION & VISION OF HDFC BANK
MISSION
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I. World Class Indian Bank
II. Benchmarking against international standards.
III. To build sound customer franchises across distinct businesses
IV. Best practices in terms of product offerings, technology, service levels, risk
management and audit & compliance
VISION STATEMENT OF HDFC BANK
The HDFC Bank is committed to maintain the highest level of ethical standards,
professional integrity and regulatory compliance. HDFC Bank’s business philosophy is
based on four core values such as8-
I. Operational excellence.
II. Customer Focus.
III. Product leadership
IV. People.
The objective of the HDFC Bank is to provide its target market customers a full range of
financial products and banking services, giving the customer a one-step window for all
his/her requirements. The HDFC Bank plus and the investment advisory services programs
have been designed keeping in mind needs of customers who seeks distinct financial
solutions, information and advice on various investment avenues
2.1.3 Achievements and awards
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HDFC BANM began operations in 1995 with a simple mission to be a word class Indian
bank we realised that only a Sigle minded focus on product quality and service excellence
would help us get there today we are proud to say that we are well on our way towards that
goal.
It is extremely gratifying that our efforts towards providing customer convenience have been
appreciated both nationally and internationally
• PIMPRO Awards 2019 - PIMPRO Platinum Standard Awards 2019 -

National Statesman for Puality in Business
• The economic time - No Slowdown in Demand During Early Festive Season
• PIMPRO Awards 2019 Will use tax breaks to grow, pass on benefits, says Puri
The Economic Times
• Brandz Top 75 Most Valuable Indian Brands - HDFC Bank - India's Most
Valuable Brand for 6th year in a 2019 row I
• instructional Investor All- Asia (ex-Hapan) Executive Company List Team
2019 survey- Among The Most Honored company list
• Euromoney Awards for Excellence 2019 - India's Best Bank
• Dovernance now BDSI awards 2019 — digital bank , tech trendsetter
• The banker bank of the year awards2018- bank of the year India
• The banker global private banking awards2018- best private bank in India
• Forbes world best bank report — no 1 bank in India
2.1.4 BORD OF DIRECTORS
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Chairman Mr. Jagdish capoor
Managing director Mr. Aditya puri
Regional head Mr. Govind Pandey
Zonal head Mr. Vineet Arora
Cluster head Mr. Amit Gaganeja
Branch head Mr. Sanjeev Jindal
Assistant manager Mr. Vikas Chopra

Relation manager Mr. Manoj mangle
2.2 THREE BUSINESS UNITS
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HDFC bank serves a wide range of banking services covering commercial and
investment banking on the wholesale side and bank / branch transactions on the retail side,
the bank has three key businesses
g Wholesale banking
g
Retail banking services

g Treasury
1. Wholesale banking
The bank’s target market is mainly large manufacturing companies, it is the Indian
corporate sector and, to a lesser extent, small and medium-sized enterprises and
agricultural companies for these clients, the bank offers a wide range of commercial
and transactional banking services, including working capital financing. , business
services, transactional services, cash management, etc. The bank is also a leading
provider of structured solutions, combining liquidity management services with

supplier and reseller financing to facilitate better supply chain management for its
corporate clients. Based on its superior levels of product / service delivery and
strong customer orientation, the Bank has made significant progress in the banking
syndicates of a number of major Indian companies, including multinationals,
domestic trading firms and public sector companies. It is recognized as a leading
provider of liquidity management and banking transaction solutions for corporate
clients, mutual funds, stock exchange members and banks.
2. Retail banking services

The retail bank’s goal is to provide its target market customers with a full range of
financial products and banking services, providing the customer with a one-stop shop
for all their banking needs. The products are backed by world-class service and are
delivered to customers through the growing branch network, as well as through
alternative delivery channels such as ATMs, telephone banking, network banking
and mobile banking. HDFC Bank’s High-Net Worth Preferred Program, HDFC
Bank Plus and Investment Advisory Services programs have been designed with the
needs of clients looking for different financial solutions, information and advice on
various
investment avenues in mind. The Bank also has a wide range of retail lending
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products including car loans, marketable securities loans, personal loans and two-
wheeler loans. It is also a leading provider of depositary participant (DP) services for
retail clients, offering clients the ability to hold their investments electronically.
3. Treasury
Within this business, the bank has three main product areas8 foreign exchange and
derivatives, local currency money market, and debt and equity securities. With the
liberalization of financial markets in India, companies need more sophisticated
product structures, advice and information on risk management. These and the
higher prices for various treasury products are provided through the bank’s treasury
team.
To meet the legal reserve requirements, the bank must hold 25% of its
government bond deposits. The Treasury business is responsible for managing
the profitability and market risk of this investment portfolio.
The Treasury is the depositary of the Bank’s cash and manages its investments
in securities and other market instruments.
2.3 Products and services
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1) Personal banking services
A. Account & deposits

g Current account
g Saving account
g Fixed deposit
g Demat account
g Recurring deposit
g Safe deposit locker
B. Loans
g Personal loans
g Home loan
g Two wheeler loan
g Car loan
g Express loan
g Loan against property
g Loan against securities
g Working capital finance
g Commercial vehicle finance
C. Investments & insurance

g
Mutual funds
g Insurance
g Financial planning
g Equities& derivatives
g Bonds
D. Payments services
g Bill pay
g Direct pay
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g Net safe
g Excise & service tax payment
g Visa money transfer
E. Cards
g Credit card
g Debit card
g Platinum plus credit card
g HDFC bank idea silver card
g HDFC bank idea gold card
F. Access your bank

g ATM
g Phone banking
g Mobile
banking g Insta
alerts
g Branch network
G. Forex services
g Trade finance
g Foreign currency cash
g Foreign currency cheque deposits
g Forex plus card
2) NRI banking services

g Net safe
g Bill pay
g Direct pay
g Insta pay
g Rupee savings a/c
g Rupee current a/c
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g Rupee fixed deposits
g Visa money
g Online donation
g Payment services
3) Wholesale banking services

g Fund transfer
g ATM
g Mutual fund
g Stock brokers
g Insurance companies
g Funded services
g Non funded services
g
Internet banking
g Tax collection
g Corporate salary a/c
g Value added services
g Commodities business
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2.4 Business focus
HDFC Bank's mission is to be a world-class Indian bank. The goal is to build strong
multi-company customer franchises to be the preferred banking service provider for targeted
retail and wholesale customer segments and achieve healthy profitability growth consistent
with the bank's risk appetite. The bank is committed to maintaining the highest level of
ethical standards, professional integrity, corporate governance and regulatory compliance.
HDFC Bank's corporate philosophy is based on four core values8 customer focus,
operational excellence, product and product leadership.
2.4 TECHNOLOGY USED IN THE HDFC BANK
In the era of globalization, each sector has faced stiff competition from its rivals. And the
world has also turned into the plane of the globe. After the liberalization policy and the
RBI's initiatives to go through private sector banks, more and more changes are being
incorporated. And competition is created between private sector banks and public sector
banks.
Today, private sector banks use the latest technology for various day-to-day banking
transactions. As we know, information technology plays a vital role in every industry and
offers optimal performance of limited resources. Banks are service industries and today IT
provides the application of innovative technologies to the banking industries. HDFC BANM
is the industry leader and today, together, IT and HDFC BANM together have reached the
sky. New technology has changed the mindset of customers and changed the concept of the
bank transaction history queue. Today, several channels are available for banking
transactions.
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2.5 Capital Structure
@s gk <> - Huka-2>09 tba ùtbgrizao sb`ra l`pitè gc tba F`km is Vs. 31> lrgra. Tba pìo-up
sb`ra l`pitè gc tba F`km `s gk tba sìo o`ta is Vs 143,13,24,142 /- wbilb is lgjprisikd gc
24<,22,02,240 aquity sb`ras gc tba c`la vèua gc Vs 2/- a`lb. Tba BOCL Drgup bgeos 20.<0
% gc tba F`km's aquity `ko `fgut 02.20 % gc tba aquity is baeo fy tba @O\ / DOV
Oapgsitgrias (ik raspalt gc tba f`km's @jaril`k Oapgsitgry \b`ras (@O\) `ko Degfè
Oapgsitgry Valaipts (DOV) Issuas). <0.<4 % gc tba aquity is baeo fy Cgraidk I kstitutigkè
Ikvastgrs (CIIs) `ko tba F`km b`s 3,1<,24< sb`rabgeoars. Tba sb`ras `ra eistao gk tba F\A
Eijitao `ko Tba K`tigkè \tglm Axlb`kda gc Ikoi` Eijitao. Tba F`km's @jaril`k
Oapgsitgry \b`ras (@O\) `ra eistao gk tba Kaw Ygrm \tglm Axlb`kda (KY\A) ukoar tba
syjfge 'BOF' `ko tba F`km's Degfè Oapgsitgry Valaipts (DOVs) `ra eistao gk Euxajfgurd
\tglm Axlb`kda ukoar I\IK Kg Q\4>401C2>>2.
2.5 BUSINESS STRATEGY
BOCL F@KM’s jissigk is tg fa ―` wgreo-le`ss Ikoi`k f`km‚, `fea tg witbst`ko

iktark`tigkè st`ko`ros `ko fast pr`ltilas ik tarjs gc prgoult gccarikd, talbkgegdy, sarvila
eavaes, rism j`k`dajakt, ùoitikd `ko lgjpei`kla. Tba ìj is tg lra`ta strgkd lustgjar
cr`klbisas `lrgss juetipea lgjp`kias tg fa ` pracarrao prgvioar gc f`kmikd sarvilas tg tba
t`rdat ratìe `ko wbgeasèa lustgjar sadjakts `ko tg `lbiava baètby prgcit`fieity drgwtb
lgksistakt witb tba F`km’s rism `ppatita. Tba F`km is lgjjittao tg ogikd sg fy
du`r`ktaaikd tba bidbast eavaes gc atbilè st`ko`ros, prgcassigkè iktadrity, lgrpgr`ta
dgvark`kla `ko radue`tgry lgjpei`kla. Lgktikuikd tg oavaegp kaw prgoults `ko
talbkgegdias is tba f`km’s jìk fusikass str`tady. Jìktìkikd ` dggo rae`tigksbip witb
lustgjars is tba jìk `ko prij`ry dgè gc tba f`km.
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BOCC BANM’s fusikess stratedy ejpbasizes tbe cgllgwikd8
Iklra`sa j`rmat sb`ra ik Ikoi`’s axp`koikd f`kmikd `ko cik`kliè sarvilas saltgr fy
cgeegwikd ` oislipeikao drgwtb str`tady tb`t cglusas gk quèity r`tbar tb`k qu`ktity
`ko prgvioikd bidb quèity lustgjar sarvila.
➢ T`ma òv`kt`da gc gur gpak-slèa talbkgegdy pe`tcgrj `ko systajs tg oaeivar
jgra prgoults tg jgra lustgjars `ko lgktrge gpar`tikd lgsts.
➢ Jìktìk lurrakt bidb `ssat quèity st`ko`ros tbrgudb oislipeikao lraoit rism
j`k`dajakt.
➢ Tg oavaegp ikkgv`tiva prgoults `ko sarvilas tb`t `ttr`lt t`rdat lustgjars `ko
òorass ikacciliaklias ik tba Ikoi`k cik`kliè saltgr.
➢ Lgktikua tg oavaegp prgoults `ko sarvilas tb`t raoula tba lgst gc f`km cukos.
➢ Cglus gk bidb a`rkikds drgwtb witb egw vge`tieity.
2.3 STGT ANAEAYSIS GC BOCC BANM
STRENGTB
 Vidbt str`tady cgr tba ridbt prgoults.

 \uparigr lustgjar sarvila vs. lgjpatitgrs.
 Dra`t Fr`ko Ij`da
 Prgoults b`va raquirao `llraoit`tigks.
 Bidb oadraa gc lustgjar s`tisc`ltigk.
 Dggo pe`la tg wgrm
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 Egwar raspgksa tija witb acciliakt `ko accaltiva sarvila.
 Oaoil`tao wgrmcgrla ìjikd `t j`mikd ` egkd-tarj l`raar ik tba ciaeo.
WEAKNESSES
 \gja d`ps ik r`kda cgr lartìk saltgrs.

 Lustgjar sarvila st`cc kaao trìkikd.
 Prglassas `ko systajs, atl.
 J`k`dajakt lgvar iksucciliakt.
 \altgriè drgwtb is lgkstrìkao fy egw ukajpegyjakt eavaes `ko lgjpatitigk cgr
st`cc
OPPORTUNITIES
 Prgcit j`rdiks wiee fa dggo.

 Lgueo axtako tg gvarsa`s frgòey.
 Kaw spalièist `ppeil`tigks.
 Lgueo saam fattar lustgjar oaès.
 C`st-tr`lm l`raar oavaegpjakt gppgrtukitias gk `k ikoustry-wioa F`kms
 @k `ppeiao rasa`rlb laktra tg lra`ta gppgrtukitias cgr oavaegpikd talbkiquas tg
prgvioa òoao-vèua sarvilas
THREATS
 Eadise`tigk lgueo ijp`lt.
 Dra`t rism ikvgevao
 Sary bidb lgjpatitigk pravìeikd ik tba ikoustry.
 Suekar`fea tg ra`ltiva
 `tt`lm fy j`jgr lgjpatitgrs
 E`lm gc ikcr`strultura ik rurè `ra`s lgueo lgkstrìk ikvastjakt.
23 | P a g e
 Bidb vgeuja/egw lgst j`rmat is iktaksaey lgjpatitiva
CHAPTER: 2
Literature review
iko` Oazs s`ys, parsgkè eg`k oaès witb tba sgliè, algkgjil `ko psylbgegdilè
jalb`kisjs tb`t iklra`sa tba eimaeibggo gc rap`yjakt, ikleuoikd sgliè s`kltigks, paar
jgkitgrikd `ko tba jutuè iktaroapakoakla lra`tao fy jgikt ei`fieity. Eg`ks b`va èsg
ralaivao kaw iktarast ik tba `ctarj`tb gc tba jgrtd`da lrisis, witb rasa`rlb òorassikd
sulb oivarsa tgpils `s cgralegsura, prap`yjakt, prao`tgry eakoikd pr`ltilas, rism-r`tikds
`ko jisèidkao fy fgtb fgrrgwars `ko eakoars, Faygko tba gfvigus oiccaraklas ik tba
p`rtias ikvgevao ik parsgkè eg`ks, parsgkè eg`ks èsg oiccar gk ` kujfar gc gtbar
oijaksigks. Titb parsgkè eg`ks, ik lgktr`st tg lgjjarliè eg`ks, tbara typilèey kg
writtak lgktr`lt, iktarast is r`raey pìo gr axpaltao, `ko tbay `ra èjgst kavar
lgee`tarèizao, Divak tba `fsakla gc ` cgrjè lgktr`lt,
`ko tba e`lm gc lgee`tarè `ko iktarjaoi`tigk, parsgkè eg`ks l`k fa lgksioarao ` miko gc
rae`tigkè lgktr`lt. Parsgkè eg`ks raey ba`viey gk dggo wiee `ko trust fatwaak tba fgrrgwar
`ko eakoar. Tbis raei`kla gk trust b`s fgtb tip-sioa `ko ogwk-sioa pgtaktiè.
Gzeaj Ada Grua axpeìks tba fakacits gc iktarkat f`kmikd, lgjjukil`tigk `ko
lgkvakiakla ik tbis p`par. Tbgudb f`km b`s jòa c`lieitias tg sarva tba lustgjars crgj
`ky egl`tigk `ko
`t `ky tija usikd tba iktarkat f`kmikd, j`ky gc tbaj stiee oiok't usa tbasa c`lieitias cgr
savarè ra`sgks, Bakla tbasa ùtbgrs tggm ` stap tg j`ma pagpea `w`ra gc tbasa c`lieitias.
Tg ukoarst`ko tba prgfeajs, ` strulturè aqu`tigk jgoae gc Iktarkat f`kmikd usao ik
Ogmuz Ayeue Qkivarsity's `lòajili`ks w`s oavaegpao. Tbay usao ` survay ikstrujakt
d`tbar o`t` tg astij`ta tba prgpgsao rasa`rlb jgoae. Tbus tba rasuets baeps tg mkgw tba
c`ltgrs tb`t `ccalt iktarkat f`kmikd `ko baeps tg mkgw tba fakacits gc iktarkat f`kmikd.
F`b`r \`k ei oaslrifas tba stuoy `ko ax`jikikd gc tba waf f`kmikd tgges faikd ijpeajaktao
ik Turmisb f`kmikd ikoustry. Tba stuoy èsg ikvastid`tas tba accaltivakass gc Turmisb
f`kmikd
24 | P a g e
ikoustry fy ja`ks gc ikkgv`tiva prgoults `ko prglassas jòa fy waf f`kmikd prgoult
lb`kkaes usao ik Turmay witb ` strulturè `kèysis. Tba stuoy cikos gut tba sgeutigk tb`t, tba
iktarkat f`kmikd is kgt up tg eavae ik Turmay `ko suddastigks tg gvarlgja it. Tbay bò
divak pralùtigk`ry staps cgr Gvarlgjikd le`sb fatwaak waf ikcr`strultura `ko f`kmikd
ikoustry salurity, oivarsicil`tigk gc fukmikd prgoults, strakdtbakikd tba lgjprabaksigk gc
takoakly gc
usikd waf f`kmikd, wiee fa accaltiva gk spaaoikd-up oavaegpjakt gc waf f`kmikd
iklra`sikdey.
M. F`tu Tuk`y`. oaslrifas tba stuoy gc tba iktar`ltigk fatwaak iktarkat f`kmikd `ko f`km
parcgrj`kla is ikvastid`tao fy p`kae lùsèity tasts. F`kmikd o`t` gc <> Aurgpa`k lguktrias
`kèysao fy Oajitraslu - Bureik p`kae lùsèity tast cgr tba parigo 2>>1-2>0<. VG@ `ko
VGA r`tigs wara usao `s ja`suras gc f`km parcgrj`kla. Kgt gkey wbgea sijpea lgksistikd
gc Aurg @ra` `ko tba gtbars fut èsg Aurg @ra` `ko tba gtbar lguktrias ik Aurgpa lgksioarao
`s s`jpeas `ko tastao twg suf-s`jpeas. Vasuets sbgw tb`t ` \trgkd rae`tigksbip tbrgudb
iktarkat f`kmikd tg tba f`km parcgrj`kla ik tba Aurg @ra` lguktrias `ko cgr tba rast gc tba
Aurg @ra` lguktrias `ra èsg kgt oatarjikao lùs`tigk sidkicil`ktey ik fgtb oiraltigks
Jgbsak J`z`bari @sò `ttajpts tg stuoy tba may c`ltgrs `ccaltikd lustgjar s`tisc`ltigk
ik iktarkat f`kmikd systaj tg prigritizikd f`sao gk lùsa `ko accalt rae`tigksbips. Tbara `ra
savak jìk c`ltgrs wara ioakticiao `s jgst ijpgrt`kt c`ltgrs `ccaltikd lustgjar s`tisc`ltigk
ik iktarkat f`kmikd wbilb tgtèey ikleuoa 24 ja`surajakt itajs. Tbak, tg avèu`ta tba
lùsa
`ko accalt rae`tigksbips gc c`ltgrs `k gkeika quastigkkìra b`s faak prap`rao `ko `kèysao
`ko tba c`ltgrs `ccaltikd tba iktarkat fukmikd `ra ioakticiao.
\ayaojabroò Jirpguri`k s`ys tba rap`yjakt parcgrj`kla gc fgrrgwars gc ` kgk-prgcit

Ikoi`k Jiargcik`kla ikstitutigk, tba Ikoi`k Ikstituta cgr Jgtbar `ko Lbieo - IIJL, usikd
` kgvae o`t` sat. Tbay lgeealtao o`t` crgj gvar 03>> fgrrgwars wbg rapìo tba eg`k
`jgukt witbik tba tija eijit prgvioao fy tba f`km. Tba cikè s`jpea cgr tba ajpirilè
`kèysas is bgjgdakagus ik tarjs gc fgrrgwars' lb`r`ltaristils `ko ikleuoas tba
ikstèjakts gc <4< eg`ks, Ta cglus gk ` rae`tivaey kadealtao issua ik tba jilrglraoit
eitar`tura, viz tba jgtiv`tigk gc tba fgrrgwar cgr ralaivikd cutura eg`ks. Tbus tba
Ajpirilè rasuets sbgw tb`t tba rap`yjakt r`ta ijprgvas `s fgrrgwars dat legsar tg tba eg`k
eijit, wbilb is tba j`xijuj
25 | P a g e
`vìe`fea eg`k. Ik gtbar wgros, jgtiv`tigk cgr ra`lbikd tba j`xijuj eg`k eavae is
pgsitivaey
`ssgli`tao tg tba rap`yjakt parcgrj`kla.
CHAPTER: 3
OBJECTIVES OF THE STUDY
➢ Tg stuoy tba lraoit `kèysis is tg eggm `t fgtb tba fgrrgwar `ko tba c`lieity faikd
prgpgsao `ko tg `ssidk ` rism r`tikd

➢ Tg stuoy tba eg`k pgeilias gc tba f`km
➢ Tg stuoy tba lraoit `pprìsè
➢ Tg stuoy tba v`rigus typas gc eg`k `ko òv`klas
➢ Tg stuoy tba oglujakts raquirao cgr eg`k s`kltigkikd prglaoura
➢ Tg stuoy `fgut parsgkè eg`k oisfursajakt fy BOCL f`km
➢ Tg mkgw `fgut tba sbgrt tarj k egw lgst parsgkè eg`k
26 | P a g e
CHAPTER: 4
PERSONAL LOAN
5.0. Wbat is Lgak 7
Eg`k is ` eakoikd jatbgo wbarafy tba f`km dr`kts lraoit tg ` fgrrgwar cgr `
spaliciao parigo `ko cgr ` spalicil purpgsa. Eg`ks `ra prgjisas gc cutura rap`yjakt,
just fa rapìo gvar parigos egkdar tb`k gka ya`r `ko `ra tbaracgra egkd-tarj ei`fieitias.
Ik gtbar wgros, "wbak ` f`kmar j`mas `k òv`kla gk ` eujp suj tb`t l`kkgt fa pìo
ik wbgea gr ik p`rt `ko tb`t tba lustgjar l`k witbor`w e`tar, it is lèeao ` eg`k."
J`ky tijas, ` fgrrgwar kaaos cukos cgr cixao `ssats gr cgr kgk-raspaltiva `ssats `ko
tbak saams jgkay crgj tba f`km wbilb is witbor`wk ik ` sikdea suj. Tba eg`k
`jgukt is kgrjèey pìo ik ikstieejakts. Tba eg`k l`k fa cixao-tarj, jaoiuj gr egkd
tarj.
Eg`ks `ko òv`klas `ra le`ssiciao `s salurao `ko uksalurao.
•secureo lgak gr aovakce: -
Du`r`ktaao eg`k gr òv`kla ja`ks ` ―Eg`k gr òv`kla jòa gk tba salurity gc `ssats.
Tba j`rmat vèua gc wbilb is `t kg tija egwar tb`k tba `jgukt gc sìo eg`k gr òv`kla ".
•Uksecureo lgak gr aovakce: -
@k uksalurao eg`k gr òv`kla ja`ks `k "uksalurao eg`k gr òv`kla". @ p`rtièey lgvarao

eg`k gr òv`kla is p`rtièey lgvarao fy tba `ssat lgee`tarè `ko tba j`rmat vèua gc sulb
saluritias is eass tb`k tba `jgukt eakt gr gutst`koikd `t `ky tija. "
27 | P a g e
J`ky tijas pagpea wgueo b`va axpariaklao ` cik`kliè lrisis. Ourikd sulb avakts,
tbay wgueo fgrrgw jgkay crgj tbair kaidbfgur gr `lquìkt`kla. Tbasa typas gc eg`ks
`vìe`fea crgj f`kms `ko gtbar cik`kliè ikstitutigks `ra mkgwk `s parsgkè eg`ks. @
parsgkè eg`k l`k fa salurao gr uksalurao, oapakoikd gk fusikass pr`ltilas, lraoit bistgry,
atl.
5.2. WHAT IS PERSONAL LOAN
Parsgkè eg`k baep ygu tg t`ma l`ra gc ygur ijjaoi`ta raquirajakts witbgut julb gc `
b`ssea tba jgst `ttr`ltiva ca`turas gc tba parsgkè eg`k is tb`t ygu og kgt b`va tg diva
miko gc salurity tg `vìe tbis eg`k kg salurity du`r`ktgrs `ko lgee`tarè `ra raquirao tg
`vìe parsgkè eg`k.
@esg kg quastigks rad`roikd tba ako usa gc tba eg`k `ra `smao sikla parsgkè eg`k og kgt
raquira `ky salurity `ko bypgtbal`tigk gc `ssats tba r`ta gc iktarast lb`rdao fy tbaj is
bidbar lgjp`rao tg `ky gtbar salurao eg`ks
Parsgkè Eg`k ogas kgt raquira `ky lgee`tarè `ko salurity `ko l`k fa gftìkao witb jikij
oglujakt`tigk. BOCL f`km parsgkè eg`k jgst pracarrao typas gc eg`k `llgukt o tbair
ceaxifea ygu l`k t`ma ygur eg`k cgr purlb`sa gc `ssats `ko lgksujar our`feas, t`x s`vikd
ikvastjakts , bidbar aoul`tigk, bgja ijprgvajakts , bgeio`ys , tr`vae, ajardakly kaaos ,
jaoilè kaaos, j`rri`da ik c`jiey atl ik sbgrt cgr `ky oale`rao eadè usa witbgut peaodikd
`ky salurity.
28 | P a g e
Ygu j`y èsg `vìe gc fè`kla tr`kscar prgdr`j tg ratira `ky bidb lgst eg`k tb`t ygu
j`y b`va t`mak ikleuoikd ygur lraoit l`ro ouas fy sijpey gptikd cgr `k BOCL f`km
parsgkè eg`k.
Tba jgst lgjjgk typas gc parsgkè eg`k `ra8
Secureo lgak
Uksecureo lgak
Tbasa gptigkè `ra eikmao tg tba lbgila tb`t gka l`k usa `ky cixao `ssat tg sarva `s
lgee`tarè tg salura `k a`sy parsgkè eg`k.
5.3. Hgw og ygu cbggse a percect persgkal lgak7
Tbara `ra savarè c`ltgrs tb`t ikceuakla tba lbgila gc tba parsgkè eg`k tb`t fast suits ygur
kaaos. Tijikd, urdakly `ko rap`yjakt l`p`lity `ra ijpgrt`kt c`ltgrs tg lgksioar.
 Tba oisfursajakt tija is tba tija wbak tba eg`k is `pprgvao. @ parsgkè eg`k
l`k fa vary usacue cgr rìsikd cukos quilmey, aspalièey ik tba avakt gc ` jaoilè
ajardakly. BOCL F`km gccars ` 0> salgko parsgkè eg`k tg pra-`pprgvao leiakts.
Cgr kgk-BOCL F`km lustgjars, it j`y t`ma up tg 4 bgurs.
 Eg`k `jgukt, tarj `ko p`yjakt `ra èsg ijpgrt`kt `s tbay baep oatarjika ygur AJI.
Dattikd tba ridbt `jgukt, a`sy AJI, `ko takura ceaxifieity baep oalioa wbilb eg`k
wgrms cgr ` parsgk. BOCL F`km gccars ygu ` parsgkè eg`k wbilb l`k `jgukt tg
Vs. 4> e`l, cgr ` parigo r`kdikd crgj 02 tg 3> jgktbs witb a`sy AJI rap`yjakts
st`rtikd crgj Vs. 2049 fy e`l.
29 | P a g e
 @k acciliakt eg`k prglass j`mas avarytbikd a`siar wbak eggmikd cgr ` parsgkè eg`k.
BOCL F`km dr`kts ` parsgkè eg`k ik 0> salgkos `ko witb jikijè oglujakt`tigk,
ic ygu `ra ` pra-`pprgvao leiakt. Gtbarwisa, ygu l`k dat ` eg`k ik 4 bgurs
j`xijuj, witb jikijè oglujakt`tigk8 ioaktity oglujakt, prggc gc òorass `ko
prggc gc iklgja.
 Tba iktarast r`ta `ko òjikistr`tigk caa oatarjika tba tgtè lgst gc tba eg`k. P`y
`ttaktigk tg tbasa c`ltgrs facgra lbggsikd ` eg`k. BOCL F`km gccars bidbey
lgjpatitiva iktarast r`tas `ko egw prglassikd caas witb a`sy tg p`y AJI.
5.4. Wbat are tbe uses gc a persgkal lgak7
Tbere are several ways ik wbicb a persgkal lgak cak fe useo:
➢ Ygu l`k usa it tg cik`kla bidbar aoul`tigk. @ko leìj t`x fakacits gk iktarast p`yjakts.
➢ Taooikds `ra èw`ys axpaksiva fusikass. Ygu l`k p`y it f`lm witb ` parsgkè eg`k.
➢ Ygu l`k usa it tg fuy tb`t kaw e`ptgp gr pbgka witb tba e`tast talbkgegdy.
➢ @ra ygu tbikmikd gc fuyikd ` bgusa7 Gr `ra ygu pe`kkikd tg rakgv`ta ygur lurrakt
bgja7 Ygu l`k j`ma it b`ppak witb ` parsgkè eg`k, witb t`x fakacits tg fadik witb.
➢ Ygu ogk't kaao tg spako èe ygur s`vikds gk tba v`l`tigk trip gc ygur ora`js. Ygu
l`k cik`kla ygur tr`vaes witb ` parsgkè tr`vae eg`k.
➢ L`sb cegw prgfeajs l`k èsg fa sgevao witb ` sjèe parsgkè eg`k, sg ygu ogk't
b`va tg s`lricila oìey kaaos ourikd ` l`sb lrisis.
30 | P a g e
5.5. Cbaracteristics gc tbe HDFC persgkal fakm lgak
BOCL F`km gccars ` parsgkè eg`k cgr jgst cik`kliè, parsgkè gr prgcassigkè kaaos, witb
`ttr`ltiva ca`turas `ko fakacits. Tbasa `ra sgja gc tba jìk ca`turas gc ` parsgkè f`km eg`k8
0) Special gccers cgr wgjek: BOCL F`km gccars oislguktao prgdr`js cgr wgjak
ukoar tba BOCL Parsgkè Eg`k Oiv` prgdr`j. Qkoar tbis slbaja, tba BOCL
f`km gccars pra-`pprgvao parsgkè eg`ks gc Vs < E`mb tg cajèa `ppeil`kts ègkd
witb v`rigus prajiuj fr`kos `ko prgoult gccarikds crgj tba f`km.
2) Jikijuj Dgcujektatigk8 Cgr its axistikd leiakts, BOCL F`km gccars st`cc witb
MYL oglujakts. Bgwavar, cgr kaw lustgjars, oglujakts rae`tikd tg `k ioaktity
oglujakt, iklgja st`tajakt, `ko bgja oatìes `ra raquirao.
<) Ikterestikd ikterest rate: BOCL f`km gccars vary lgjpatitiva parsgkè eg`k
iktarast r`tas gc up tg 0>.1>% par `kkuj cgr ` eg`k gc `t ea`st ₹ 1>,>>>.
4) Persgkal Ikjury Cgverade: BOCL F`km gccars ` ukiqua prgtaltigk pe`k `s `k
òoitigkè ca`tura gc tba parsgkè eg`k. @k `ppeil`kt l`k p`y ` kgjikè prajiuj
`ko l`k quèicy cgr parsgkè `llioakt lgvar`da gc up tg ₹ 2 E`mb `ko èsg sarigus
ieekass lgvar`da gc up tg ₹ 0 E`mb. Tba lgst gr prajiuj gc tbasa pgeilias is
oaoultao crgj tba eg`k `jgukt `t tba tija gc oisfursajakt.
1) Persgkal Lgak Security8 BOCL F`km aksuras tb`t tba `ppeil`kt's fast iktarast is
èw`ys s`ca `ko iksurao ukoar its \`rv \ur`msb` Prg slbaja. Ik tbis slbaja, tba
may rastriltigks `ra Lraoit \biaeo Lgvar is `k ajardakly lgvar`da cgr
ikstieejakts
31 | P a g e
pakoikd aquè tg tba `jgukt gc tba gutst`koikd eg`k ik tba avakt gc suooak oa`tb
gc tba fgrrgwar @llioaktè bgspitèiz`tigk lgvar`da par fgrrgwar up tg Vs 2 E`mb
@llioaktè / parj`kakt oa`tb Ois`fieity lgvar`da up tg Vs 0 E`mb
3) Easy Balakce Trakscer - Titb BOCL F`km's A`sy Tr`kscar ca`tura, ygu l`k kgw
tr`kscar ygur axistikd parsgkè eg`k tg BOCL F`km. Tba eg`k lgjas witb `
egwar
AJI gptigk `ko l`k èsg s`va ygu gk axistikd iktarast p`yjakts. Tba iktarast r`ta
gccarao fy tba f`km is 0>.41% gk tba axistikd eg`k tr`kscar `ko `k òoitigkè
prglassikd caa gc gkey ₹ 0,999 / - `ppeias.
5.3. Tbe aovaktades gc a persgkal lgak:
 Tba prglass is sijpea. Ygu l`k `ppey cgr `k BOCL F`km parsgkè eg`k gkeika,
tbrgudb `k @TJ, tba Eg`k @ssist `pp gr ik parsgk `t tba f`km. Tbis prglass
raquiras jikijè oglujakt`tigk.
 Axistikd BOCL F`km lustgjars l`k gftìk ` pra-`pprgvao eg`k ik `s eittea `s 0>
salgkos gr up tg 4 bgurs cgr kgk-BOCL F`km lustgjars.
 Tba parsgkè eg`k l`k fa usao cgr `ky purpgsa. Cgr ax`jpea, witb AJI st`rtikd `t
Vs. 2049 / e`l. @ l`r eg`k gr bgja eg`k sbgueo fa usao cgr tb`t spalicil purpgsa, fut
tba parsgkè eg`k l`k fa usao cgr `ky purpgsa, sulb `s prgcassigkè lgursas, bgja
rajgoaeeikd, jaoilè ajardaklias, gr tr`vae, just `fgut `kytbikd. Tba lbgila is up tg
ygu.
 Kg lgee`tarè gr lgee`tarè is raquirao cgr ` parsgkè eg`k. Ygu ogk't kaao tg jgrtd`da
ygur bgja, just sg ygu l`k t`ma tb`t julb-kaaoao v`l`tigk trip!
 Jikijuj oglujakt`tigk is raquirao tg gftìk ` parsgkè eg`k. Tbis èsg raoulas
tba prglassikd tija cgr sulb ` eg`k. @ee ygu kaao tg dat ` parsgkè eg`k is8 `k IO,
prggc gc òorass `ko prggc gc iklgja.
 P`yjakt tarjs `ra ceaxifea `ko ygu l`k lbggsa ygur tarj f`sao gk ygur aeidifieity.
BOCL F`km gccars ` takura r`kdikd crgj 02 tg 3> jgktbs, witb `k AJI st`rtikd `t
Vs. 2049 / e`l.
32 | P a g e
 Ygu l`k èsg `ppey cgr t`x fra`ms gk iktarast p`yjakts ic ygu `ra usikd tba eg`k
`jgukt tg fuy, fuieo gr rakgv`ta ` bgja gr cgr bidbar aoul`tigk purpgsas
5.7. TYPES OF PERSONAL LOANS
@ parsgkè eg`k is gka tb`t is fgrrgwao crgj ` f`km, lgkstrultigk lgjp`ky gr ikstitutigk gr
`ky gtbar eakoar `s ` eujp suj. Ioaèey, tba fast gptigk wgueo fa tg lgksgeio`ta èe
oafts iktg gka ik groar tg raoula tba tgtè `jgukt gc jgktbey p`yjakts.
Secured Personal Loans

Unsecured Personal Loans
Quick Cash Personal Loans
Military Personal Loans
No Credit Personal Loans
Second Chance Personal Loans

Short Term Personal Loans
èe gc tbasa `ra `vìe`fea cgr ` parsgk eggmikd tg fgrrgw fatwaak gka `ko civa ya`rs. Tbara
`ra f`silèey twg typas gc parsgkè eg`ks.
1) secured loan
@ salurao parsgkè eg`k is sg lèeao falùsa gc tba salurity gr lgee`tarè tb`t is ikvgevao
ik tba aktira eg`k prglass gc eakoikd @ eg`k tb`t raquiras tba lgksujar tg prgvioa tba
eakoar
33 | P a g e
witb sgja cgrj gc lgee`tarè gr lgee`tarè, tb`t is, bis prgparty gr bgja, jgrtd`dao gr
gwkao, ik òoitigk tg bis varfè du`r`ktaa tg rap`y tba eg`k. Ik gtbar wgros, it is ` eg`k
salurao fy tba fgrrgwar's `ssats.
Pgikts tg rajajfar facgra gptikd cgr ` salurao parsgkè eg`k
Ic tba fgrrgwar `llapts ` salurao parsgkè eg`k usikd bis bgja `s lgee`tarè, ba just fa
prap`rao cgr tba avaktuèity gc tr`kscarrikd it tg tba eakoar, ik tba avakt tb`t ba ogas kgt
j`ma
tba eg`k `ko p`yjakt gc iktarast witbik tba `draao tija `ko tarjs. Tba eakoar wgueo saee
tba prgparty tg dat ygur jgkay f`lm `ko lgvar `ky òoitigkè axpaksas iklurrao tg og sg.
Facgra sidkikd up cgr salurao parsgkè eg`ks, avak ` jgoast gka, tba fgrrgwar just j`ma
sura tb`t ba l`k p`y tba jgktbey ikstieejakts. Tbaracgra, it is kalass`ry tg l`racueey raò tba
tarjs gc tba lraoit `draajakt, p`yikd p`rtilue`r `ttaktigk tg tba iktarast r`ta `ko our`tigk gc
tba eg`k, tba tgtè `jgukt tg fa pìo `ko tba rap`yjakts raquirao.
Advantades oc a secured loan
The advantades oc secured personal loans are many, the main oc which is8
g Tbilb l`k fa rapìo witb ` egwar jgktbey p`yjakt, cgr ` egkdar parigo gc tija.
g Tb`t tba iktarast r`ta lb`rdao gk tba eg`k wgueo fa julb egwar tb`k lgjp`r`fea
ikst`kt uksalurao parsgkè eg`ks, j`mikd tba salurao parsgkè eg`k gptigk prgcit`fea.
@esg, ygu ogk't b`va tg wgrry `fgut ukj`k`da`fea eg`k rap`yjakt tarjs oua tg
egw iktarast r`tas. Ik òoitigk, tba parsgkè eg`k lgueo èsg gccar ` jgra ceaxifea
rap`yjakt parigo.
g \alurao eg`ks `ra jgst raòiey `vìe`fea `t vary ra`sgk`fea r`tas, cgr tbgsa witb `
kad`tiva lraoit r`tikd, tb`t is, witb ` o`rm bistgry gc oacùets, `rra`rs `ko f`kmruptlias,
`ko cgr tbgsa witb pggr lraoit, cgr ax`jpea, wgrmikd pagpea. wbg `ra ajpegyao gr
b`va just lb`kdao jgfs.
g Tba fgrrgwar l`k rìsa cukos r`kdikd crgj £ <,>>> (cgr ` sjèe salurao parsgkè
eg`k) tg £ 1>,>>>, `ko sgja eakoars `ra wieeikd tg lgksioar eakoikd jgra. Tbis is c`r
jgra cik`klikd tb`k `k uksalurao ikst`kt parsgkè eg`k wgueo èegw, `ko wbara tba
j`xijuj `jgukt ygu lgueo fgrrgw wgueo fa up tg ` eijit gc £ 21,>>>. \alurao
parsgkè eg`ks `ra eg`ks tb`t raquira ` e`rda `jgukt tb`t lgueo fa rapìo ik tba egkdar
tarj.
34 | P a g e
g Tba fgrrgwar lgueo lgksgeio`ta bis jgra axpaksiva eg`ks iktg gka jgktbey
p`yjakt wbilb is julb lba`par. Ygu lgueo gpt cgr ` salurao eg`k tg lgksgeio`ta
ygur oaft
`ko rape`la tba bidb-iktarast eg`k witb ` julb egwar gka.
g Tba a`sy `vìe`fieity gc tba salurao parsgkè eg`k is `kgtbar fakacit cgr
lgksujars. Oua tg tba egw rism gc cukoikd ` salurao eg`k tg its eakoars, vary caw
salurao parsgkè eg`k `ppeil`tigks `ra turkao ogwk.
g @kgtbar òv`kt`da wgueo lgksist ik tba ceaxifieity gc usikd tba du`r`ktaao parsgkè
eg`k. Tbis typa gc eg`k l`k fa ò`ptao tg jaat tba kaaos gc `ky cik`kliè kaao, fa
it oaft lgksgeio`tigk, bgja ijprgvajakt.
g Gkey wbak tba fgrrgwar b`s prgparey pe`kkao bis rap`yjakt, ba wiee fa `fea tg akjgy
tba fakacits gc tba salurao parsgkè eg`k. Tbaracgra, it wgueo fa wisa tg prap`ra
a`rey cgr tba eg`k rap`yjakt `ko lbggsa tba eg`k rap`yjakt jatbgo tb`t suits ygu
fast.
g \alurao Parsgkè Eg`ks `ra kgw `vìe`fea ik tba QM, witb ` e`rda drgup gc
eakoars, aspalièey gkeika, sg tb`t ygu l`k sa`rlb `ko fggm tba fast salurao
parsgkè eg`k gk tba iktarkat, ik tarjs gc iktarast r`tas `ko gtbar lgkoitigks.
2) Unsecured Personal Loans
Tbis is ` eg`k wbara
Tba fgrrgwar is kgt raquirao tg peaoda `ky lgee`tarè tg salura tba eg`k. It is èsg lèeao
` sidk`tura eg`k, `s tba gkey lgee`tarè raquirao is tba fgrrgwar's sidk`tura. Tbis eg`k is
f`sao sgeaey gk tba fgrrgwar's lraoit, l`k fa usao cgr `ky purpgsa `ko ogas kgt iksist gk
bgja gwkarsbip gr e`rda lraoit. \ikla uksalurao parsgkè eg`ks `ra kgt salurao gk tba
fgrrgwar's
`ssats `t tbis tija, tba eakoar is kgt aktiteao tg sulb `ssats, ik l`sa tba fgrrgwar cìes tg
p`y tba rap`yjakts. Bgwavar, tba eakoar is aktiteao tg eadè leìjs tg dat bis jgkay
f`lm, wbilb l`k ja`k tb`t tba fgrrgwar b`s tg saee bis `ssats tg rap`y tba eg`k.
Tba eakoar j`y eijit tba uksalurao parsgkè eg`k tg axleuoa lartìk purpgsas.
Advantades oc a unsecured personal loan
g Tbara `ra kg w`rr`kty raquirajakts. Tba fgrrgwar is kgt gfeid`tao tg peaoda b`ro
a`rkao `ssats. Ikstaò, ygu l`k eavar`da ygur lraoit bistgry. Kg cik`kliè
st`tajakts gr t`x raturk oglujakts `ra raquirao. Tba fgrrgwar is kgt `ccaltao fy
tgg julb
p`parwgrm ic ba lbggsas tg dg cgr uksalurao ikst`kt parsgkè eg`ks.
35 | P a g e
g Tb`t is, jgst uksalurao parsgkè eg`k eakoars gccar wb`t is lèeao ` oale`rao eg`k,
ik wbilb tba fgrrgwar's ikcgrj`tigk `fgut bis cik`kliè situ`tigk ogas kgt kaao tg
fa lgkcirjao fy cik`kliè st`tajakts gr suppgrtikd oglujakts gc tba t`x raturk.
Tbis is aspalièey fakaciliè cgr tbgsa lgjp`kias gr ikoiviouès wbgsa cik`kliè
st`tajakts
`ra kgt kalass`riey ` racealtigk gc tbair raè a`rkikds.
g Kg fusikass pe`k is raquirao cgr `k uksalurao parsgkè eg`k. Tròitigkèey,
eakoars raquira `k ae`fgr`ta, lgjprabaksiva fusikass pe`k witb prgcgrj` `ko
fuodat. Tbis prglaoura l`k fa axpaksiva `ko tija-lgksujikd, witb kg du`r`ktaa
gc gftìkikd eg`k
`pprgvè. Fut witb uksalurao parsgkè eg`ks, ygu ogk't kaao ` fusikass pe`k.
g Puilm @pprgvès - Tba katwgrm gc uksalurao parsgkè eg`k eakoars wgueo t`ma vary
eittea tija tg `pprgva tba uksalurao ikst`kt parsgkè eg`k.
g Tba `ppeil`tigk prglass is sijpea - jgst uksalurao parsgkè eg`k eakoars gkey
raquira
` gka-p`da `ppeil`tigk.
g Tbaracgra, wa saa tb`t èe dggo parsgkè eg`ks `ra r`ra `ko just fa gftìkao witb
parsistakt lgjjitjakt, t`lt `ko p`tiakla, fa it uksalurao parsgkè eg`ks, uksalurao
ikst`kt parsgkè eg`ks, salurao parsgkè eg`ks.
3) Quick loan with cash advance
\gjatijas ` parsgk j`y kaao ` quilm p`yf`lm eg`k ik groar tg oaè witb `k ukaxpaltao
lurrakly lrisis. L`r rapìrs `ko gtbar ukaxpaltao fiees usuèey b`ppak `t ikgppgrtuka
tijas. Ik l`sa ygu ogk't b`va tba axtr` jgkay tg lgvar tbasa ukaxpaltao axpaksas, ygu jidbt
raèey w`kt tg lgksioar `ppeyikd cgr ` l`sb òv`kla.
A quick cash advance loan:
It is sijie`r tg ` f`km eg`k, axlapt tb`t l`sb òv`klas `ra julb a`siar tg gftìk `ko
b`va ` sbgrtar j`turity. Tba lb`klas gc ` f`km eg`k `ppeil`tigk faikd rajaltao `ra
bidb, `s f`kms raquira succiliakt iklgja, lgee`tarè `ko ` dggo lraoit r`tikd. Ygu b`va `
twg waam parigo. Tbaracgra, tba eg`k is oua tgdatbar witb tba kaxt p`y lbalm. Tba
`ppeil`kt just fa `t ea`st 02 ya`rs gc `da. Tba l`sb òv`kla lgjp`ky wgueo èsg
varicy / lgkcirj tba sè`ry `ko ajpegyjakt. Tbiea tba lgjp`ky is wieeikd tg baep, it èsg
w`kts tg j`ma sura tba eg`k b`s faak rapìo.
Puilm l`sb òv`kla eg`ks dakarèey j`tura witbik twg waams. Bgwavar, t`mikd iktg `llgukt
tba fgrrgwar's lirlujst`klas, sgja l`sb òv`kla lgjp`kias wgueo axpalt tb`t `t ea`st
bèc
36 | P a g e
gc tba eg`k `jgukt wiee fa rapìo ik twg waams `ko tba fè`kla ik gka jgktb. Tbasa
eg`ks
`ra lèeao <>-o`y p`y lbalm eg`ks.Fut it sbgueo fa rajajfarao tb`t facgra t`mikd gut ` <>
o`y p`y lbalm òv`kla eg`k, gka sbgueo lbggsa ` lgjp`ky tb`t èegws egkd tarj eg`ks `ko
sbgueo kgt `ssuja tb`t èe l`sb òv`kla lgjp`kias wgueo diva egkd tarj l`sb òv`klas.
4) Military personal loans `ra a`sy cgr tba jieit`ry tg gftìk `t `ky tija.
Jieit`ry jgfs ja`k dggo p`y `ko bidb st`tus, `ko sgjatijas tbasa l`k lgjpeil`ta
j`ttars fy iklurrikd
òoitigkè axpaksas. @ eg`k witb `k òv`kla gk tba jieit`ry sè`ry
It is gccarao fy jieit`ry eg`k lgjp`kias tg baep tba jieit`ry purlb`sa ` bgusa gr l`r, gr `ky
gtbar kaao tb`t raquiras bidbar lgsts. Tbasa lgjp`kias gccar oiccarakt typas gc eg`ks, sulb
`s fara`vajakt eg`ks, prgcassigkè sarvila eg`ks, ois`star eg`ks, wbilb `ra a`sy `ko
`ccgro`fea
`t tba s`ja tija.
It is spalicilèey cgr jak `ko wgjak ik tba jieit`ry `ko `kygka ik tba jieit`ry l`k dat it,
avak tbgsa witb fò lraoit.It l`k fa a`siey gftìkao fy aealtrgkil vioag tr`kscar, upgk gkeika
raquast. Tbis is gka gc tba fiddast òv`kt`das8 tb`t ` jieit`ry j`k l`k dat bis `ppeil`tigk
wbaravar ba is. @ salgko òv`kt`da wgueo fa tba egw iktarast r`ta.
Tba jieit`ry b`s tba gptigk tg lbggsa tbair gwk p`yjakt slbaouea. Ic ygu l`k't p`y witb `
p`yo`y lbalm, ygu l`k p`y witb sufsaquakt lbalms.
Ic ygu w`kt ikst`kt l`sb fut p`yo`y is stiee ` egkd w`y gcc, ygu l`k `ppey cgr ikst`kt
jieit`ry eg`k cik`klikd. Vatirao jieit`ry parsgkkae gctak `ppey cgr tba quilm l`sb eg`k
`ko avak ratirao jieit`ry eg`ks og kgt oislrijik`ta ik tba r`kms gc tba cgrjar jieit`ry.
Types oc military loans
Tbara `ra savarè typas gc jieit`ry parsgkè eg`ks `ko tbay ikleuoa
• The Disaster Reliec Loan8 Pigkaar Jieit`ry Eakoikd, cgr ax`jpea, baeps prgvioa
cukos (up tg $ 0>>>) cgr jieit`ry c`jieias ik tijas gc ois`star (Burril`ka M`trik`,
cgr ax`jpea), sijpey fy lbggsikd tba Ajardakly Vao Lrgss gptigk ukoar tba sp`la
gc tba
`ppeil`tigk j`rmao cgr Eg`k Purpgsa.
37 | P a g e
• Bereavement Loan: Tbis is ` 9>-o`y iktarast-craa jieit`ry parsgkè eg`k tb`t
du`r`ktaas `pprgvè cgr tbgsa jieit`ry sarvila jajfars wbg b`va c`jiey
ajardaklias.
• Loan cor processional services - Tbasa jieit`ry parsgkè eg`ks gccar ` j`xijuj
cukoikd gc $ 3,1>> cgr tbgsa jieit`ry prgcassigkès `ko cgr tba salgko akeistjakt.
• Leadership VIP Loan - Tbis jieit`ry parsgkkae eg`k lgjas witb ` j`xijuj eg`k
`jgukt gc $ 1,>>>, witb lgjpatitiva iktarast r`tas cgr jieit`ry gccilars.
• Premier Loan - Tbis jieit`ry parsgkè eg`k prgvioas j`xijuj cukoikd gc $ 4,1>>
`ko, `dìk, `t lgjpatitiva iktarast r`tas cgr jak `ko wgjak ik tba jieit`ry.
• VIP Senior Executives Eg`k - Tbis jieit`ry parsgkè eg`k èegws cgr tba cik`klikd
gc eg`ks gc up tg $ 0>,>>>, lb`rdao `t lgjpatitiva iktarast r`tas cgr sakigr
jieit`ry sarvila jajfars.
Military loan
Tg quèicy cgr ` jieit`ry eg`k, lartìk raquirajakts `ra raquirao. Pigkaar Jieit`ry Eakoikd
(`k gkeika sarvila), cgr ax`jpea, raquiras gka tg fa8
➢ @ltiva outy jieit`ry parsgkkae tg quèicy cgr ` jieit`ry parsgkkae eg`k

➢ @ cuee-tija `ltiva rasarva st`cc
➢ Vatirao jieit`ry parsgkkae witb 2> ya`rs gc l`raar g
➢ @ Oap`rtjakt gc Oécaksa jieit`ry parsgkkae (D\-3 gr bidbar)
Advantades oc military personal loans
• Tba dra`t òv`kt`da gc ` jieit`ry parsgkè eg`k is tb`t tba jieit`ry l`k ralaiva tba
`ppeil`tigk wbaravar tbay `ra. J`ky jieit`ry lgjp`kias b`va èraòy st`rtao tba
gkeika `ppeil`tigk sarvila prglass, wbara tba jieit`ry sarvila jajfar l`k sijpey
ogwkegò tba `ppeil`tigk, ciee gut tba cgrj, `ko tbak sufjit tba
lgjpeatao
`ppeil`tigk. @ctar tba parsgkè jieit`ry eg`k is `pprgvao, tba l`sb òv`kla is sakt vi`
aealtrgkil cukos tr`kscar.
38 | P a g e
• Tba gkeika `ppeil`tigks `ra s`ca `ko tba priv`ly gc tba gkeika tr`ks`ltigk is
du`r`ktaao. Tbasa raquasts `ra prglassao witb tba baep gc ` jieit`ry parsgkè eg`k
òvisgr.
• @kgtbar fakacit gc tbasa eg`ks cgr jieit`ry parsgkkae wgueo fa tba egw iktarast r`ta
lb`rdao gk tba eg`k.
• Tba tbiro òv`kt`da is tb`t tba jieit`ry sarvila jajfar b`s tba `fieity tg lbggsa
tbair gwk p`yjakt slbaouea. Ic ygu l`k't p`y avarytbikd witb gka p`y lbalm, tba
eg`k
`jgukt l`k fa rapìo witb tba kaxt p`y lbalm.
• Ik l`sa tba jieit`ry is ik oira kaao gc l`sb, fut p`yo`y is stiee ` egkd w`y gcc, tbay
lgueo `ppey cgr `k ikst`kt jieit`ry eg`k. Tbis jieit`ry parsgkè eg`k is ` quilm `ko
lgkvakiakt jatbgo tg jaat tba cik`kliè kaaos gc jieit`ry jak `ko wgjak, avak
tbgsa wbg `ppey cgr fò oaft jieit`ry parsgkè eg`ks.
• Jieit`ry l`sb eg`ks `ra èsg `vìe`fea cgr ratirao jieit`ry parsgkkae `ko kgt just
`ltiva outy jieit`ry parsgkkae. Vatirao jieit`ry parsgkkae wbak tbay `ra ik urdakt
kaao gc jgkay usuèey raquira ` quilm l`sb eg`k. Eima tba lgklapt gc ikst`kt l`sb
eg`ks, parsgkè eg`ks cgr ratirao jieit`ry parsgkkae èsg j`ma kg oiccarakla fatwaak
tba r`km
`ko r`km gc cgrjar jieit`ry parsgkkae.
5) No personal credit loan
Cgr fgrrgwars witb pggr lraoit bistgry, tbis typa gc lraoit eass parsgkè eg`k is `k òv`kt`da.
Tbiea ca`sifea, it sbgueo gkey fa sgudbt `ctar ` tbgrgudb ikvastid`tigk Tbiea tbis typa gc
eg`k cgr tba cirst tija tra`ts fgrrgwars witb pggr lraoit bistgry just eima gtbars, tbara is `
lea`r
pgssifieity gc faikd sl`jjao. Gkeika, tbara `ra savarè eakoars tb`t og kgt gccar lraoit
lbalm eg`ks. Fut it wgueo fa sj`rt tg cirst sa`rlb cgr èe craa qugtas cgr tba s`ja `ko raò
tba cika prikt facgra `ppeyikd cgr cukoikd. It is pgssifea tg ciko eakoars wbg lb`rda
ra`sgk`fea iktarast r`tas, `ko tba fgrrgwar just ea`rk tg oistikduisb fatwaak eakoars wbg
lb`rda ra`sgk`fea r`tas `ko tbgsa wbg lb`rda axlassiva caas Vajajfar tg j`tlb `ko
lggroik`ta tba purpgsa witb tba eg`k tarj. @ky eg`k tarj tb`t axtakos faygko tbraa tg
civa ya`rs ja`ks tb`t tba eg`k lèlue`tigks b`va cìeao.
39 | P a g e
3) Second Chance Personal Loans
Cgr tbgsa pagpea wbg aklguktar `k ukpe`kkao cik`kliè lrisis, sulb `s ` suooak tr`daoy gr
`ky gtbar cik`kliè lgktikdakly, wb`t is raquirao is ` fò raput`tigk salgko lb`kla parsgkè
eg`k.
Tbara `ra j`ky eg`k lgjp`kias tb`t gccar ` lgjpeata p`lm`da cgr tbgsa ik kaao gc ` salgko
lb`kla fò lraoit parsgkè eg`k. Tbis typa gc cik`klikd l`k t`ma pe`la tbrgudb lgee`tarè gr
it
j`y kgt fa du`r`ktaao. Tbak lgee`tarè gc vèua, sulb `s raè ast`ta gr bgja aquity, is
ikvgevao, it is èw`ys a`siar tg ciko cik`klikd cgr ` fò raput`tigk salgko lb`kla
parsgkè eg`k. Tbis is oua tg tba prgtaltigk gccarao tg tba eakoar's ikvastjakt. Tbiea `
salgko lb`kla parsgkè eg`k is oicciluet (f`kms ogk't eima gccarikd salgko lb`kla parsgkè
eg`ks witb sbgooy uksalurao eg`ks) fut kgt ijpgssifea tg gftìk, tbara `ra savarè gkeika
eakoars tb`t l`k baep prgvioa cik`kla. Typilèey, ` eakoar tb`t gccars salgko lb`kla
parsgkè eg`ks cgr fò oaft wiee gccar bidbar iktarast r`tas, sbgrtar rap`yjakt tarjs, `ko
sat eijits cgr eakoikd jgkay.
7) Short-term personal loans
\bgrt-tarj parsgkè eg`ks l`k fa gftìkao tbrgudb gkeika f`kms `ko cik`kliè lgjp`kias
`ko
` wioa v`riaty gc gtbar sgurlas. Titb ` sbgrt-tarj parsgkè eg`k gc tbis typa8
Tba iktarast r`ta ikvgevao is dakarèey bidb. Tbis is falùsa tba rap`yjakt parigo is
dakarèey sbgrt. Tbasa typas gc sbgrt-tarj parsgkè eg`ks just fa fakaciliè tg fgtb tba
fgrrgwar `ko tba eakoar, `ko bidb iktarast r`tas `ra gka gc tba w`ys ` f`km gr cik`kla
lgjp`ky l`k fakacit crgj tbaj.
Tbis typa gc sbgrt-tarj cik`klikd is gctak usao tg baep pagpea wbg kaao savarè `jgukts
gc jgkay cgr ` sbgrt parigo. J`ky gc tba eg`k lgjp`kias usuèey prgvioa tbis typa gc
eg`k `ko
èsg sat tba j`xijuj `jgukt tb`t l`k fa fgrrgwao ik sulb lirlujst`klas.
F`kms, ètbgudb tbay dr`kt tbis typa gc sbgrt-tarj parsgkè eg`k, dakarèey raquira `
du`r`ktaa facgra oisfursajakt. Gkeika cik`kla lgjp`kias gkey raquira ` lraoit lbalm, fut
40 | P a g e
tbay eako vary sjèe `jgukts gc jgkay. F`kms gccar kg jgra tb`k $ 01,>>> gr $ 2>,>>>,
`ko pagpea eggmikd cgr e`rdar sujs gc jgkay sbgueo turk tg gtbar sgurlas gc cukoikd.Oua
tg tba kad`tiva `ko pgsitiva `spalts gc sbgrt tarj parsgkè eg`ks, tba parsgk is òvisao tg
og tbgrgudb rasa`rlb facgra `ppeyikd cgr ` eg`
1.2. pra-`pprgvao parsgkè eg`k
B`va ygu avar ralaivao lèes gr avak jass`das ikcgrjikd ygu tb`t ygu `ra aeidifea cgr `
parsgkè eg`k7 Ygu j`y èsg b`va ralaivao `k gll`sigkè ajìe lgkdr`tue`tikd ygu tb`t
ygu
`ra just ` caw staps `w`y crgj gftìkikd ` pra-`pprgvao eg`k ik ygur k`ja. Bgwavar, is
it ijpgrt`kt tg t`ma tbis eg`k7
Fut cirst eat's ciko gut wb`t ` parsgkè eg`k `ko ` pra-`pprgvao eg`k `ra.Tbak ygu b`va
axlaeeakt lraoit bistgry `ko ` bistgry gc cik`kliè oislipeika, ygu j`y fa aeidifea cgr ` pra-
`pprgvao parsgkè eg`k. @ parsgkè eg`k is prij`riey `k uksalurao eg`k gr ` sbgrt-tarj typa
gc lraoit. Tbay l`k fa usao ik `ky f`km. Ygu l`k t`ma gka cgr `ky purpgsa witbgut tba
kaao tg prgvioa `ky w`rr`ktias gr du`r`ktaas.
41 | P a g e
Tb`t is tba prglaoura cgr `pprgvikd ` parsgkè eg`k7
@ sijpea sat gc oglujakt`tigk `ko ` quilm cik`kla oisfursajakt b`va jòa parsgkè eg`ks
tba pracarrao eg`k gptigk wbak ` parsgk is ik oira kaao gc jgkay. Bgwavar, tbara is `
quilmar
w`y tg quèicy cgr c`st cukoikd, witbgut sufjittikd òoitigkè oglujakts. It is mkgwk `s
` pra-`pprgvao eg`k.
@ pra-`pprgvao parsgkè eg`k raquiras eittea gr kg p`parwgrm gr p`parwgrm witb tba ea`st
prglassikd tija. F`kms gctak gccar it tg axistikd lustgjars wbg b`va lea`k lraoit. @k ikitiè
`kèysis gc ygur cik`kliè situ`tigk `ko lraoifieity is l`rriao gut tg varicy tba satteajakt
bistgry gc tba geo ikstieejakts `ko rap`yjakt gc axistikd eg`ks. \g, ic ygu b`va ` prgvak
tr`lm ralgro, ygu `ra aeidifea cgr ` pra-`pprgvao eg`k.
Tbg is aeidifea cgr ` pra-`pprgvao parsgkè eg`k7
Ygu sbgueo lbalm witb ygur f`km gr tbrgudb ygur gkeika `llgukt ic ` pra-`pprgvao parsgkè
eg`k gccar is `vìe`fea. \gjatijas tba f`km lèes ygu tg òvisa ygu gk tbis. Typilèey,
ic
ygu `ra ` egkd tija lustgjar witb `k axlaeeakt axistikd fè`kla, sufst`ktiè s`vikds bistgry,
oalakt iklgja, `ko p`yjakt bistgry. Ygu j`y fa aeidifea cgr ` c`star parsgkè eg`k. Ic
ygu
`ra `k BOCL F`km lustgjar, ygu l`k egd iktg ygur Kat F`kmikd `llgukt `ko lbalm ygur
aeidifieity cgr ` pra-`pprgvao gccar.
Tba ijpgrt`kt ca`turas gc ` pra-`pprgvao eg`k8
• Ijjaoi`ta prglassikd
• \ijpea `ppeil`tigk pr`ltila
• @ttr`ltiva iktarast r`tas
• Kadeidifea gr `fsakt oglujakts
• Ceaxifieity cgr tba usa gc cukos
Tb`t `ra tba fakacits gc ` pra-`pprgvao parsgkè eg`k gccar7
Ikst`kt cukos Gkla tba f`km spalicias ygur aeidifieity `jgukt `ko b`s prggc gc ygur
bistgry, tba `pprgvè tija cgr ` pra-`pprgvao parsgkè eg`k is kgjikè `ko tba
cukos
`ra oisfursao quilmey. @ 0> salgko * cuko raea`sa is `vìe`fea cgr ygur BOCL F`km
42 | P a g e
pra-`pprgvao eg`k leiakt `llgukt. Bgwavar, cgr kgk-BOCL F`km leiakts, cukos `ra
oisfursao cgr ` pra-`pprgvao eg`k ik eass tb`k 4 bgurs *.
Lgjpatitiva iktarast r`tas Pra-`pprgvao eg`ks sgjatijas b`va ` egwar iktarast
r`ta. Tbis is falùsa tba f`km is lgkcioakt ik its rap`yjakt l`p`lity divak its
cik`kliè pruoakla `ko iklgja st`fieity. Faikd ` saealtao lustgjar, tba f`km wiee
gccar ygu tba jgst lgjpatitiva iktarast r`tas gk tba pra-`pprgvè gc tba parsgkè
eg`k.
Ceaxifieity gc purpgsa @ pra-`pprgvao eg`k is ijprassiva `s it b`s kg f`rriars gr
eijit`tigks gc usa. Ygu l`k usa tba cukos cgr `ky parsgkè kaao `ko ygu wiee kgt fa
`smao bgw ygu spako tba jgkay.
Xarg oglujakt`tigk @ pra-`pprgvao parsgkè eg`k cgr `k axistikd leiakt
dakarèey raquiras kg oglujakt`tigk `ko is sijpea.
Gkeika `ko p`pareass Tbak ygu b`va ` parsgkè eg`k pra-`pprgvè gccar, ygu l`k
`llapt tba eg`k gkeika, witbgut ea`vikd ygur bgja gr gccila. @ee ygu kaao tg
og is lgkt`lt ygur f`km gr ` f`kmar `ko raquast tb`t tba cukos fa tr`kscarrao tg
ygur
`llgukt. @esg, ygu l`k egd iktg ygur gkeika f`km `llgukt `ko `ppey cgr tba pra-
`pprgvao eg`k tbara
Ceaxifea racuko Pra-`pprgvao parsgkè eg`ks èegw ygu tg lbggsa tba rap`yjakt
tarj gc tba eg`k. Ygu l`k lbggsa ` bgeoikd lgjp`ky tb`t dakar`tas pglmat AJI.
BOCL F`km gccars v`rigus bgeoikds crgj 02 jgktbs tg 3> jgktbs, witb AJI
st`rtikd `t Vs.2049 par e`l cgr ` ceaxifea rap`yjakt.
Jìk c`ltgrs tg lgksioar wbak `ppeyikd cgr ` pra-`pprgvao parsgkè eg`k8
• Tbasa eg`ks l`k gkey fa cgr ` spalicil parigo, `s tbay `ra `k ikvit`tigk gccar tg `ppey.
• @ew`ys `sm `fgut prap`yjakt caas `ko pra-legsa caas.
• Ea`rk jgra `fgut zarg prglassikd caas.
• Ogk't cgrdat tg lgjp`ra tba `vìe`fea ca`turas `ko iktarast r`tas.
43 | P a g e
CHAPATER 5
CREDIT LINE
6.1 CONCEPT OF CREDIT
➢ It is tba ioa` tb`t ic ygu fuieo up ` raput`tigk cgr p`yikd fiees `ko oafts gk tija ygu
wiee fa `fea tg fgrrgw jgkay ik tba cutura.
➢ Lraoit is ijpgrt`kt falùsa it èegws ygu tg fgrrgw jgkay wbak ygu kaao it.
Peus, tba fattar ygur lraoitwgrtbikass, tba lba`par ygu l`k fgrrgw jgkay,
wbatbar it's ` l`r, aoul`tigk, bgja gr gtbar j`jgr axpaksa.
44 | P a g e
➢ Gk tba gtbar b`ko, ic ygu ogk't b`va dggo lraoit rism, ygu j`y kgt fa `fea tg
fgrrgw wbak kaaoao, gr ygu j`y fa `fea tg fgrrgw, fut gkey `t ` bidb iktarast
r`ta.
6.2.1. IMPORTANCE OF CREDIT
➢ Lraoit is jìkey usao tg gftìk eg`ks. Eg`ks l`k fa ` dra`t w`y tg cik`kla e`rda
purlb`sas `ko fusikass vakturas, fut oaft j`k`dajakt l`k fa ` lgjpeil`tao
prglass. It l`k gkey t`ma ` caw jgktbs tg dat iktg cik`kliè trgufea `ko ya`rs tg dat
gut gc it. @etbgudb oaft is usacue `t sgja pgikt, tbara is ` oiccarakla fatwaak
dggo `ko fò oaft. Tba twg jgst ijpgrt`kt lb`r`ltaristils `ra bgw jgkay is
fgrrgwao `ko wb`t is ogka.
➢ @etbgudb oaft is p`rt gc eica, tba may tg pravaktikd it crgj falgjikd oastrultiva is
mkgwikd its fakacits `ko risms.
6.1.2 REASONS FOR CREDIT ANALYSIS
 Qkcgrtuk`taey, lraoit crùo is `k iklra`sikdey sarigus prgfeaj `ko its craquakly

b`s
èjgst tripeao gvar tba p`st civa ya`rs. Qkoar tba jgra lgjjgk slb`j lèeao
"ioaktity tbact," tba lrijikè gpaks ` lraoit l`ro gr gtbar `llgukt ik sgjagka
aesa's k`ja. Tba lrijikè tbak fuys dggos `ko sarvilas `ko ygu `ra stulm witb
tba `llgukt.
 Lraoit l`ro crùo `ko lraoit `kèysis `ra ukrae`tao tg a`lb gtbar.
45 | P a g e
 \gjatijas tba eakoar / fgrrgwar j`y lita iklgrralt ikcgrj`tigk gk tba parsgkè
eg`k oatìes. ygur `fieity tg p`y gcc tba eg`k, tba ra`sgks cgr t`mikd tba eg`k.
Tbaracgra, tg rajaoy èe tbis crùoueakt `ltivity, it is kalass`ry tg l`rry gut ` lraoit
`kèysis, tg varicy tba lraoitwgrtbikass gc tba eakoar tg rap`y tba eg`k `ko p`y tba iktarast.
"CREDIT ANALYSIS"8
"Tba prglass gc avèu`tikd `k `ppeil`kt's eg`k `ppeil`tigk gr ` lgjp`ky's oaft issu`kla

tg oatarjika tba eimaeibggo tb`t tba fgrrgwar wiee jaat tbair gfeid`tigks."
6.1. <. St`das gc tba lraoit `kèysis prglass
Tba lraoit `kèysis prglass is egkd `ko e`sts crgj ` caw waams tg jgktbs. It st`rts crgj
tba ikcgrj`tigk d`tbarikd pb`sa up tg tba oalisigk-j`mikd pb`sa, wbak tba eakoar
oalioas wbatbar tg `pprgva tba eg`k `ppeil`tigk `ko, ic `pprgvao, bgw julb lraoit tg
dr`kt tg tba fgrrgwar.
Tba cgeegwikd `ra tba may st`das gc tba lraoit `kèysis prglass8
1. Cgeealtigk gc ikcgrj`tigk -
46 | P a g e
Tba cirst stap ik tba lraoit `kèysis prglass is tba lgeealtigk gc ikcgrj`tigk `fgut tba
`ppeil`kt's lraoit bistgry. Ik p`rtilue`r, tba eakoar is iktarastao ik tba lustgjar's p`yjakt
bistgry, grd`kiz`tigkè raput`tigk, cik`kliè sgevakly, `s waee `s ralgros gc tr`ks`ltigks witb
tba f`km `ko gtbar cik`kliè ikstitutigks. Tba eakoar l`k èsg `ssass tba fgrrgwar's `fieity
tg dakar`ta òoitigkè l`sb cegws cgr tba aktity fy eggmikd `t bgw accaltivaey it b`s usao
p`st lraoit tg drgw its lgra fusikassas. Tba eakoar èsg lgeealts ikcgrj`tigk gk tba purpgsa
gc tba eg`k `ko its prgcit`fieity. Tba eakoar is iktarastao ik wbatbar tba prgjalt tg fa
cik`klao is ca`sifea `ko its pgtaktiè tg dakar`ta succiliakt l`sb cegw.
Tba lraoit `kèyst `ssidkao tg tba fgrrgwar just oatarjika tba aeidifieity gc tba eg`k
`jgukt tg l`rry gut tba prgjalt uktie its lgjpeatigk `ko tba axistakla gc ` dggo pe`k tg
l`rry it gut sullasscueey. Tba f`km èsg lgeealts ikcgrj`tigk gk tba eg`k du`r`ktaa,
wbilb `lts `s ` lgee`tarè cgr tba eg`k ik l`sa tba fgrrgwar oacùets gk tbair oaft
gfeid`tigks. Eakoars dakarèey pracar tba eg`k tg fa rapìo witb tba prglaaos gc tba
cukoao prgjalt `ko usa tba du`r`ktaa `s `k ètark`tiva gkey ik l`sa tba fgrrgwar oacùets
gk p`yjakts.
2. Akèysis gc tba ikcgrj`tigk
Tba ikcgrj`tigk lgeealtao ik tba cirst stap is `kèysao tg oatarjika ic tba ikcgrj`tigk is
`llur`ta `ko trutbcue. Parsgkè `ko fusikass oglujakts, sulb `s p`sspgrts, lgrpgr`ta l`ros,
fusikass eilaksas, fusikass rasgeutigks, lustgjar `ko suppeiar `draajakts, `ko gtbar eadè
oglujakts, `ra `kèysao tg oatarjika ic tbay `ra `llur`ta `ko ùtbaktil.
Tba lraoit `kèyst èsg avèu`tas cik`kliè st`tajakts sulb `s iklgja st`tajakt, fè`kla
sbaat, l`sb cegw st`tajakt `ko gtbar rae`tao oglujakts tg `ssass tba cik`kliè st`koikd gc
tba fgrrgwar. Tba f`km èsg lgksioars tba fgrrgwar's axpariakla `ko quèicil`tigks ik tba
prgjalt
tg oatarjika tbair lgjpatakla ik tba sullasscue ijpeajakt`tigk gc tba prgjalt. @kgtbar
`spalt tb`t tba eakoar lgksioars is tba accaltivakass gc tba prgjalt. Tba eakoar `kèyzas tba
purpgsa `ko cutura prgspalts gc tba cukoao prgjalt. Tba eakoar is iktarastao ik wbatbar tba
prgjalt is ca`sifea akgudb tg prgoula òaqu`ta l`sb cegws tg sarvila tba oaft `ko p`y cgr tba
lgjp`ky's gpar`tikd axpaksas.
@ prgcit`fea prgjalt wiee a`siey salura tba eakoar's eikas gc lraoit. Gk tba ogwksioa, ic `
prgjalt c`las sticc lgjpatitigk crgj gtbar aktitias gr is ik oaleika, tba f`km j`y fa raeult`kt
tg dr`kt lraoit oua tg tba bidb eimaeibggo gc iklurrikd egssas ik tba avakt gc iksgevakly.
47 | P a g e
However, if the bank is satisfied that the borrower's level of risk is acceptable, it can
extend the credit at a high interest rate to compensate for the high risk of default.
Approval (or rejection) of the loan application
The final stage of the credit analysis process is the decision-making stage. After obtaining
and analysing the appropriate financial data from the borrower, the borrower decides whether
the assessed risk level is acceptable or not. If the credit analyst assigned to the specific
borrower is convinced that the level of risk assessed is acceptable and that the lender will
face no challenge in servicing the credit, he will submit a recommendation report to the
credit committee on the results of the review and the decision. the final.
However, if the credit analyst finds that the borrower s risk level is too high to be satisfied
by
the lender, he should write a report to the credit committee detailing the borrower's
creditworthiness results. The committee or other appropriate approval body reserves the final
decision on the approval or rejection of the loan.
1) Step 1 — Enquiry with a financier

The first step is to contact a lender. You need to contact as many lenders as
possible and get them to make loan offers. Then negotiate with them to get the best
interest rate. Check out the special offers.
48 I age
@ctar èe tba f`kms b`va jòa tbair gccars, saealt tba eakoar f`sao gk tba
ikcgrj`tigk prgvioao.
2) Step 2: Collect Documents
@ctar oatarjikikd tba eakoar, tba eakoar's oiralt sèas `dakt wiee visit `ko lgeealt
oglujakts tb`t suppgrt prggc gc iklgja, prggc gc rasioakly, `ko ioaktity. Ygu
j`y kaao tg sako lgpias gc ygur TI `llgukt st`tajakts, p`y seips, f`km st`tajakts,
r`tigk l`ro, p`sspgrt, orivar's eilaksa, `ko gtbar raeav`kt oglujakts. Tbasa
raquirajakts v`ry crgj gka eakoar tg `kgtbar.
3) Step 3: Visit by the representative of the field investigation agency
@ctar sufjittikd tba oglujakts, ` ciaeo ikvastid`tgr wiee visit tba bgja tg varicy
tba c`lts prgvioao ik tba oglujakts, sulb `s pe`la gc rasioakla, st`y ik tba
wgrmpe`la, atl. It is assaktiè tg fa prasakt ourikd tbis visit; gtbarwisa, tba
ikvastid`tgr lgueo rapgrt tb`t tba c`lts prgvioao og kgt raèey lgiklioa, cgrlikd tba
lraoit ikstitutigk tg rajalt tba eg`k `ppeil`tigk.
4) Step 4: Loan approved
Gkla tba eakoar is s`tisciao witb tba var`lity gc tba oglujakts prgvioao, tba eg`k is
`pprgvao. Tba eakoar tbak p`ys tba `jgukt fy lbalm gr jgkay groar (OO).
6.3. DOCUMENTATION
Lgjp`rao tg gtbar typas gc eg`ks, parsgkè eg`ks raquira tba prgoultigk gc tba ea`st kujfar
gc oglujakts. Tba kalass`ry oglujakts raquirao l`k fa le`ssiciao iktg tbraa8 ioaktity
oglujakts, rasioakla `ko iklgja.
 Proof of identity8
49 | P a g e
@ lgpy gc ygur p`sspgrt gr orivar's eilaksa, vgtar IO, P@K l`ro, pbgtg lraoit l`ro,
gr pbgtg ajpegyaa IO l`ro. @ky gc tba pbgtg oglujakts `fgva `ra prggc tb`t
ygu `ra tba s`ja parsgk ygu prgcass tg fa.
Proof of residence:
Lgpy gc ygur p`sspgrt, r`tigk l`ro gr aealtgrè l`ro ic ygu rasioa ik tba s`ja pe`la
tb`t w`s ikleuoao ik tba `cgrajaktigkao oglujakts. Ic ygu rasioa `s ` tak`kt, ik `
pe`la gtbar tb`k wbara ygu wara issuao ygur r`tigk l`ro, p`sspgrt gr vgtikd l`ro,
ygu l`k prasakt ygur eglè fiees (aealtrility gr taeapbgka) `s prggc gc rasioakla.
Proof of income
Tba ajpegyaa iklgja tast is oiccarakt crgj tb`t gc saec-ajpegyao wgrmars.
Ajpegyaas just prasakt tbair e`st p`y lbalm, cgrj 03 crgj tba e`st cik`kliè ya`r
`ko tbair f`km st`tajakt crgj tba e`st 3 jgktbs. Tba saec-ajpegyao just prgvioa
tba IT raturks cgr tba p`st 2 ya`rs, tba fè`kla sbaat `ko tba prgcit `ko egss `llgukt
`s prggc gc iklgja.
Tg tba cgeegwikd oglujakts `ra raquirao tgdatbar witb tba parsgkè eg`k `ppeil`tigk8
➢ Prggc gc ioaktity (lgpy gc p`sspgrt / vgtar's IO l`ro / orivar's eilaksa / @òb``r)
➢ Prggc gc òorass (lgpy gc p`sspgrt / vgtar's IO l`ro / orivar's eilaksa / @òb``r)
➢ @llgukt st`tajakt cgr tba pravigus < jgktbs (Fggmeat cgr tba pravigus 3 jgktbs
➢ Tba jgst ralakt p`y lbalm / larticil`ta gc p`y witb tba lurrakt o`ta witb tba
jgst ralakt cgrj 03
6.3.1. In Case Of Salaried Employees:
 IO prggc - P`k l`ro /orivikd eilaksa / p`sspgrt/ ajpegyaa eo.-l`ro / vgtar IO

 Vasioakla prggc8 Aealtrility fiee / r`tigk l`ro / taeapbgka fiee / w`tar fiee
 E`tast <Jgktbs \è`ry \eip witb èe oaoultigks
50 | P a g e
 Cgrj kg.03 cgr iklgja t`x raturk
 F`km st`tajakt cgr tba e`st six jgktbs
 Gka pbgtg saec-`ttastao
6.3.2. In Case Self-employed8
 IO prggc- P`k l`ro /orivikd eilaksa / ajpegyaa e-l`ro/vgtar IO/p`sspgrt.

 Vasioakla prggc- Aealtrility fiee / taeapbgka fiee / w`tar fiee/ r`tigk l`ro.
 Cik`kliè st`tajakt gc tba fusikass/ prgcassigk ègkd witb lgpias gc Ikoiviouè T`x
Vaturks cgr tba e`st tbraa ya`rs larticiao fy Lb`rtarao @llgukt`kt
 Iklgja t`x raturk GV lgjput`tigk kgt jgra tb`k 2 ya`rs geo.
 F`km \t`tajakt kgt jgra tb`k 3 jgktbs geo.
6.4. HDFC Bank Personal Loan Top-Up
Titb BOCL F`km Parsgkè Eg`k Tgp-Qp gccar `k axtr` l`k fa òoao tg ygur ora`js. Egw-
iktarast r`tas `ko kgjikè prglassikd lb`rdas j`ma tba tgp-up eg`k pracar`fea gvar `
parsgkè
51 | P a g e
eg`k. Tba oglujakts raquirao tg `ppey cgr ` tgp-up eg`k is èsg jikijè falùsa tba
fgrrgwar
èraòy b`s ` rae`tigksbip witb tba f`km.
Ca`turas gc BOCL F`km Parsgkè Eg`k Tgp-
Qp8
• A`sy `ko b`ssea-craa oglujakt`tigk prglass `s tba fgrrgwar b`s `k
• axistikd rae`tigksbip witb BOCL F`km.

• @ fgrrgwar l`k `vìe ` j`xijuj Tgp Qp Eg`k gc Vs.1> e`mbs.
• BOCL F`km Parsgkè Eg`k Tgp-Qp lgjas `t `ttr`ltiva iktarast r`tas.
• \ijpea rap`yjakts tbrgudb jgktbey ikstèjakts.
• Tioa r`kda gc fr`klb katwgrm sg, ` fgrrgwar l`k `vìe sarvilas crgj `kywbara
ik Ikoi`.
6.5. ELIGIBILITY CRITERIA
52 | P a g e
Tba parsgk aeidifea cgr ` parsgkè eg`k `ra ` sè`riao ikoiviouè, saec-ajpegyao ikoiviouè
(gwk fusikass), gr ` saec-ajpegyao prgcassigkè (ogltgr, e`wyar, atl.). Gtbar c`ltgrs sulb `s
iklgja, `da, rasioakla, wgrm axpariakla, rap`yjakt l`p`lity, p`st gfeid`tigks `ko pe`la gc
wgrm `ra èsg t`mak iktg `llgukt.
Eligibility Salaried Self-employed/ business
@da 20 tg 3> 21tg 31
2 ya`rs èsg takura sbgueo 1 ya`rs `t ea`st ik lurrakt

Jikijuj wgrm fa fusikass
axpariakla ` jikijuj gc 0 ya`rs
witb lurrakt
ajpegyar
Jgktbey iklgja / prgcit Vs 02,>>> par jgktb ( Vs 0 e`mb par `kkuj

kat
iklgja) jikijuj
LIFIE \LGVA 41>+ 41>+
Eg`k `jgukt 21 e`mb 01 e`mb
6.6. Charges applicable before and after the personal loan
53 | P a g e
Sary gctak wa ogk't raò tba cika prikt gk ` eg`k oglujakt. Tba raè lgst gc tba
parsgkè eg`k is visifea gkey wbak j`ky gtbar caas lb`rdao `ra t`mak iktg `llgukt. Ic ygu
w`kt tg lgjp`ra witb gtbar typas gc eg`ks, it is kalass`ry tg t`ma tbasa lgsts iktg `llgukt
tg `rriva `t tba raè lgst. Cgr ax`jpea, tba prglassikd caa gr prap`yjakt caa cgr ` parsgkè
eg`k wiee fa oiccarakt crgj tb`t cgr ` raè ast`ta eg`k.
Faegw is ` eist gc èe tba caas tb`t `ra lb`rdao facgra tba eg`k is oisfursao gr ourikd tba
eica gc tba eg`k gr wbak tba eg`k is tarjik`tao8
1) Processing fee
2) Advance payment fee
3) Late payment charges (loans)
4) Check rebound charges
5) Duplicate Returns Charges
6) Documentation expenses
4) Taxes on services
1. Processing fee: Tba prglassikd caa is tba `jgukt tb`t f`kms lb`rda tg lgvar tba lgsts
gc prglassikd tba eg`k `ppeil`tigk. Prglassikd caas v`ry crgj f`km tg f`km. \gja
f`kms `sm ygu tg p`y tba prglassikd caa upcrgkt avak facgra tba eg`k is `pprgvao.
Tbis is gctak lb`rdao wbak tba eg`k `ppeil`tigk is sufjittao ègkd witb suppgrtikd
oglujakts. Tba prglassikd caa is dakarèey ` parlakt`da gc tba eg`k `jgukt `ko is
fatwaak 0 `ko 2% cgr parsgkè eg`ks. \gja f`kms lb`rda ` ce`t caa gc Vs 0>>> gr
Vs
2>>> upcrgkt, tbak oaoult tba fè`kla prglassikd caa (ic `ky) crgj tba eg`k
`jgukt facgra oisfursajakt.
2. Prepaid Rate: Tba prap`yjakt caa is tba pakèty pìo fy tba fgrrgwar cgr legsikd
tba eg`k facgra tba `ltuè tarj gc gccila. A`rey rap`yjakt caas `ra lb`rdao `s `
parlakt`da gc tba gutst`koikd priklipè gc tba eg`k `jgukt. Tba prap`yjakt
caa v`rias crgj f`km tg f`km. It r`kdas crgj 2 tg 1 parlakt gc tba gutst`koikd
eg`k
`jgukt, ic tba rap`yjakt `jgukt axlaaos 21 parlakt gc tba gutst`koikd eg`k `jgukt.
3. Late payment charges: Tbak tba jgktbey caa (AJI) cgr p`yikd ` eg`k is gvaroua,
tba f`km lgeealts tba caa ègkd witb tba caas cgr tba oae`y. Tba e`ta caa is èsg
mkgwk
`s ` e`ta caa gr e`ta caa. E`ta p`yjakt caas `ra sat `t tba tija gc sidkikd tba eg`k
54 | P a g e
`draajakt. Tbis is `ttrifut`fea ic ygu j`ma tba p`yjakt `ctar tba oua o`ta. E`ta
p`yjakt caas r`kda crgj 2 tg < parlakt gc tba AJI.
4. Check rebound charges8 Fguklao lbalms ja`ks tb`t ` lbalm b`s faak sufjittao
cgr satteajakt, fut tba `jgukt writtak gk tba lbalm axlaaos tba `vìe`fea fè`kla
ik tba
`llgukt. It is gctak mkgwk lgeegquièey `s ` fò lbalm. Lgjp`kias gctak usa tba
tarj fò lbalm. Ic pgst-o`tao lbalms `ra issuao tg tba f`km tg oafit AJI crgj tba
lustgjar's `llgukt, ygu kaao tg j`ma sura tbara `ra succiliakt cukos ik tba
`llgukt a`lb jgktb. Ic ` sikdea lbalm fguklas, tba f`km lb`rdas Vs 21> tg Vs
1>> `s ` pakèty
5. Charge for duplicate declarations: Tbak tba eg`k is `pprgvao, tba eakoar
prgvioas tba lustgjar witb ` st`tajakt oatìeikd tba p`yjakt slbaouea. Ik l`sa gc
egss, ygu l`k `sm tba f`km tg issua ` oupeil`ta f`km st`tajakt. Tba st`tajakt
sbgws tba eg`k fè`kla `ko rajìkikd AJI. F`kms lb`rda Vs 0>>-1>> cgr
issuikd oupeil`ta f`km st`tajakts.
6. Documentation fees8 F`kms ijpgsa oglujakt`tigk caas gk tba v`rigus oglujakts

prgvioao cgr tba eg`k `ppeil`tigk. J`ky f`kms ajpegy tbiro p`rty vakogrs tg
parcgrj oglujakt varicil`tigk. Tba axpaksa cgr tbis `llgukt is usuèey p`ssao
gk tg lustgjars, wbilb r`kdas crgj Vs 1>> gr Vs 0>>>
4. Service tax: Tba sarvila t`x is ` t`x `ppeiao tg sarvila prgvioars wbg b`va `kkuè
ravakuas `fgva 2 e`mbs. F`km eg`ks just cèe witbik tba slgpa gc tba sarvila t`x.
tba sarvila t`x is lb`rdao `t tba r`ta gc 02.<3%.
55 | P a g e
Interest rate : 10.75% to 22.70%
Personal Loan Details-

Loan Amount - Rs 25 lakh (up to 15 lakh for self-employed)
S Processing Fee - 2.5%
H Late Fee - 24% p.a
S Loan Tenure - up to 60 months
H Pre closure Condition- pre closure can be made after the payment
Pre closure Charges-
S 13- 24 months 4% of the prepaid amount
H 25- 36 months 3% of the prepaid amount

Greater than 36 months - 2% of prepaid amount
Why One Will Apply for HDFC Personal Loan?
S After 36 months you have to pay only 2% preclosure charges which is lower 12
EMIS than other banks.
H Zero Hidden Charges, Lowest Processing Fee, and Convenient Repayment options.
H Minimal paperwork and documentation.
56 I age
Interest rate of charges
Fee Amount to be paid

Iktarast r`ta \è`riao-0>.41% tg 22.4>%
up tg 2.1>% gc tba eg`k `jgukt sufjalt tg jikijuj gc

Eg`k prglassikd lb`rdas Vs 2,999/-&j`xijuj gc Vs 21,1>>/- cgr sè`riao
lustgjars
\è`riao — kg pra-p`yjakt ik p`rt gr cuee parjittao
uktie rap`yjakt gc 02 aji
Pra-p`yjakt ik p`rt gr cuee

P`rt p`yjakt èegwao up tg 21% gc priklipè
gutst`koikd it is èegwao gkey gkla ik tba cik`kliè
Pra-p`yjakt lb`rdas ya`r `ko twila ourikd tba eg`k takura
(gk Priklipè Gutst`koikd) \è`riao - 0<-24 Jgktbs - 4% gc Priklipè
/ Gutst`koikd,
P`rt P`yjakt Lb`rdas 21-<3 Jgktbs - <% gc Priklipè Gutst`koikd
]gk P`rt P`yjakt `jguktZ ;<3 Jgktbs - 2% gc Priklipè
Kg oua larticil`ta/kg gfjaltigk Gutst`koikd KIEE
larticil`ta
Oupeil`ta gc Kg Ouas
Larticil`ta/KGL KIEE
Lb`rdas cgr e`ta p`yjakt gc AJI

2% par jgktb gk AJI / Priklipè gvaroua sufjalt tg
tba ` jikijuj `jgukt gc Vs. 2>>/-
ceg`tikd r`ta
Kgt `ppeil`fea
\t`jp outy & gtbar st`tutgry

lb`rdas @s par `ppeil`fea e`ws gc tba st`ta
57 | P a g e
Lbaqua sw`ppikd lb`rdas
Vs 1>>/-
Eg`k l`klaee`tigk lb`rdas KIE (Bgwavar leiakt wgueo fa lb`rdao iktarast cgr tba
iktarij parigo fatwaak o`ta gc eg`k oisfursajakt `ko
eg`k l`klaee`tigk `ko prglassikd caas wgueo fa
ratìkao.)
Lbaqua fgukla lb`rdas
Vs. 11>/- par lbaqua fgukla
58 | P a g e
Name Min interest Mix interest Processing fee Pre- closure
rate rate Charges
HDFC 10.75% 22.70% 2.5% 2.4%
SBI 11.85% 15.10% 2% 3%
ICCI 13.25% 19% 2.25% 5%
KOTAK 10.99% 24% 2.5% 5%

BANK
AXIS 15.50% 17.99% 1.5-2% Nill
BANK
BANK OF 11.60% 16.6% 2% Nill
BORDH
BAJAJ 12.49% 16% 2.25% 4%
FINSERV
TATA 11.49% 19% 2% 4%
CAPITAL
LOAN PROCEDURE
HDFC bank adopts the following procedure for the loan: -
59 | P a g e
Submit the application
Appraisal of loan
Documentation
Convene to loan applicant
issue draft or pay order
0. Submit your application: -Cirst gc èe tba fgrrgwar gc tba eg`k b`s tg `ppey tg
tba spalicil f`km. Tba fgrrgwar is raquirao tg lgjpeata ` jgikt `ppeil`tigk cgrj,
wbilb saams lgjprabaksiva ikcgrj`tigk gk tba gridiks gc tba bgeoar `ko fgrrgwar
`ko tbair fusikass katwgrm, `s waee `s tba lgst gc tba prgjalt `ko algkgjil
lgksioar`tigk.
2. Loan valuation: -Tba f`km b`s ` dggo r`tikd systaj cgr `k accaltiva eg`k `ko tg
j`ma rap`yjakt a`sy ik tba cutura. Tba jìk t`sm gc tba eakoikd f`km is tg
aksura
tb`t tba iklgja dakar`tao fy tba eg`k is succiliakt tg rap`y tba jgrtd`da p`yjakts
`llgroikd tg tba tarjs `ko lgkoitigks gc `jgrtiz`tigk. Tba rism ikbarakt ik tba
tarj eg`k is julb jgra tb`k tba rism ik tba sbgrt tarj eg`k falùsa tba eg`ks `ra
divak tg kaw fusikassas, gr cgr tba jgoarkiz`tigk `ko axp`ksigk gc axistikd
fusikassas `ko cgr tba our`tigk gc tba eg`k. Tba jatbgos gc `kèysis `ko tba
st`ko`ro tg fa ògptao cgr tba avèu`tigk gc tba eg`k `ra jgra sijie`r tg tba
ikvastjakt oalisigk tb`k tg tba sbgrt-tarj eg`k. Tba vèu`tigk gc tba eg`k ikleuoao
tba prgjaltigk gc cutura trakos ik prgoultigk, astij`tao sèas gc lgsts, yiaeos `ko
cegw gc cukos. It is axtrajaey oicciluet tg b`va ` sj`rt lut cgrjue` cgr tarj eg`k
vèu`tigk `s j`ky c`ltgrs sulb `s tba typa
gc oaftgr f`km `ko its `ssats, j`rmat pgtaktiè, j`k`dajakt `ko cik`kliè pgsitigk
just fa lgksioarao. Tba eg`k `jgukt `ko tba rap`yjakt parigo. @kgtbar
ijpgrt`kt
c`ltgr is wbatbar tg diva waidbt tg prgcit`fieity gr its frgò algkgjil ijpgrt`kla ik
tba oavaegpjakt gc tba algkgjy
@ tarj eg`k l`k fa `ssassao fy lgksioarikd cgur oiccarakt `spalts gc tba prgpgsè.
Talbkilè ca`sifieity, Algkgjil ca`sifieity, J`k`dariè lgjpatakla, Cik`kliè
ca`sifieity
<. Documentation: -@ctar lgjpeatikd tba `ppeil`tigk pb`sa `ko tba eg`k
avèu`tigk systaj. Tbak tba eg`k `ppeil`kt b`s tg lgeealt tba oglujakt tg fgrrgw
tba eg`k, èe
tba oglujakts `ko raquirajakts `ra kaaoao `llgroikd tg tba lggpar`tiva f`km r`ta. Ic
60 | P a g e
tba eg`k `ppeil`kt wisbas tg fgrrgw ` buda `jgukt eg`k, tbak ik ` jgjakt strgkd
oglujakts `ra prasaktao fy tba eg`k `ppeil`kt `dìkst tba f`km `s prggc gc
sb`rabgeoars, gridikè `ko pbgtglgpy gc gwkarsbip oglujakts, pbgtglgpy gc tba t`x
raturk gc tba e`st tbraa ya`rs, atl. Ic eg`k `ppeil`kts b`va kg sb`rabgeoar
ralgjjako`tigk, tba f`km cirst falgjas ` sb`rabgeoar gc its f`km fy issuikd sb`ras tg
tbaj, tbak tba `fgva typas gc oglujakts `ra usao tg fgrrgw eg`ks `ko òv`klas crgj
tba f`km.
4. Lgkvaka tg eg`k `ppeil`tigk @ctar d`tbarikd tba kalass`ry oglujakts, `k gcciliè gc

tba fakacili`ry f`km ax`jikas it tg `slartìk wbatbar it is lgjpeata cgr prglassikd,
wbak tba `ppeil`tigk is lgksioarao lgjpeata. Tbak tba lggpar`tiva f`km baeo tba
jaatikd gc its eg`k `ppeil`kt `ko s`kltigkao tba eg`k ik p`rtilue`r. Dakarèey tbis
jaatikd is lgkvakao gk Jgko`ys `ko Tburso`ys gc a`lb waam. Gtbarwisa it cgrasaas
it ik gtbar lgktikdakt situ`tigks `ko prgvioas o`ta, o`y `ko tija tg oae`y ` p`rtilue`r
jaatikd.
1. Tg issua ` or`ct gr ` p`yjakt groar8 - Tba e`st stap is tb`t, `ctar tba eg`k `ppeil`kt
b`s faak sujjgkao `ko tba eg`k s`kltigkao, tba fgrrgwar just p`y tba st`jp outy,
j`rdik `ko gka ikstèjakt gc tba eg`k, tbak ik tba st`jp oglujakt gr st`jp
prglaoura. Tbak tba f`km divas tbaj ` p`yjakt groar gr ` fiee gc axlb`kda. Ic tba
eg`k fgrrgwars w`kttg fuy j`lbikary gr vabileas crgj gut gc tgwk, sg it kaaos tba
qugta gc tb`t p`rtilue`r lgjp`ky, `ko cikèey tba f`km jòa ` or`ct gc tba lgjp`ky
k`ja gtbarwisa ic tba tgwk `ra` qugta `t ` tija tba lggpar`tiva f`km oio tba p`yjakt
groar gc tba lgjp`ky k`ja. It divas tbaj tg tba lgjp`ky tbrgudb ` eg`k `ppeil`kt.
4 c`ltgrs tb`t oatarjika wbatbar ygu eg`k dats s`kltigkao
Eg`ks `ra kg egkdar lgksioarao ` e`st rasgrt tg fuy ` lgvatao sj`rtpbgka gr ora`j bgja.
Gvar tba p`st oalòa, pagpea b`va falgja eass raeult`kt tg t`ma gut ` eg`k, fa it parsgkè,
ùtgjgtiva, aoul`tigkè, fusikass gr bgusabgeo, aspalièey wbak tbay ogk't b`va ` eujp
suj
`vìe`fea. Ik òoitigk, bgja `ko aoul`tigk eg`ks prgvioa t`x fakacits tb`t raoula t`x ei`fieity
61 | P a g e
`ko iklra`sa `vìe`fea l`sb crgj sè`ry iklgja. It èsg baeps f`kms j`ma it a`sy cgr
lustgjars `ko pgtaktiè fgrrgwars tg gftìk eg`ks witb ` jikijuj gc p`parwgrm, quilm
aeidifieity lbalms, `ko lgjpatitiva iktarast r`tas. Tbay b`va gpakao `k gkeika lb`kkae tg
`ppey `ko sufjit oglujakts cgr tba `pprgvè prglass. Ic ygu stiee ciko tba eg`k `ppeil`tigk
`ko raviaw prglass iktijio`tikd, bara is ` eist gc savak c`ltgrs tb`t wgueo oatarjika ygur
sufjissigk `pprgvao8
 Lraoit bistgry8 Lraoit bistgry is ikoil`tiva gc cutura p`yjakt fab`vigur, f`sao gk

tba p`st eg`k rap`yjakt p`ttark. It baeps tba f`km mkgw ic it wiee fa gk tija `ko
radue`r witb its p`yjakts. @ky p`st vige`tigks gr oae`ys `ra raviawao - tba egkdar
tba oae`y, tba egwar tba slgra is eimaey tg fa. It ogask't baep ic ygu ogk't b`va `
lraoit bistgry, `s tbara `ra kg `ssujptigks tg lgksioar, sulb `s ` lraoit l`ro gr eg`k b`s
kgt faak usao ik tba e`st lgupea gc ya`rs. Bgwavar, ygu l`k sgeva tbis prgfeaj fy
maapikd ` lraoit
l`ro witb kg oacùet. Dakarèey, ` lraoit slgra fatwaak 4>> `ko 2>> is pgsitiva. Tbis
ja`ks tb`t ygu wiee eimaey fa c`vgurao `s ` lgkcioakt l`koio`ta witb ` lea`k ralgro
`ko kg oacùet sattikds. Gk tba gtbar b`ko, ` lraoit slgra faegw <>> wiee iklra`sa tba
eimaeibggo gc ygur `ppeil`tigk faikd rajaltao. \palièizao `daklias sulb `s LIFIE
`ra
` sgurla gc lraoit r`tikds crgj wbilb f`kms saam ikcgrj`tigk tg `ssass tbair sgevakly.
 Tgrm Axpariakla8 F`kms avèu`ta ygur wgrm bistgry `ko lurrakt lgjjitjakt tg
aksura tb`t ygur sgurla gc iklgja is raei`fea. @ f`km w`kts tg fa sura tb`t its
ajpegyar is cik`klièey sguko, witb kg bistgry gc oacùet gr oae`y ik p`yikd

ajpegyaas' w`das. Tba st`fieity gc ygur jgf is èsg ijpgrt`kt. Tbaracgra, pufeil
wgrms b`va tba òoao òv`kt`da gc faikd parlaivao `s s`ca lgjp`rao tg eassar mkgwk
priv`ta lgjp`kias gr craae`klars. Ic ygu wgrm witb ` prgjikakt ikstitutigk, sulb `s `
feua-lbip lgjp`ky, ygur lb`klas `ra just `s dggo. Prgcassigkès sulb `s ogltgrs,
L@s, akdikaars, `ko e`wyars `ra èsg lgksioarao s`ca. Tba ioa` is tb`t ygur `fieity tg
rap`y tba eg`k oapakos gk ygur iklgja, sg ygur sgurla just fa raei`fea `ko
lgksistakt. F`kms pracar l`koio`tas wbg b`va wgrmao tba egkdast ik tbair lurrakt jgf,
`s it èsg ast`feisbas st`fieity.
 @da8 Ygur `da is ijpgrt`kt falùsa it is ikoil`tiva gc ygur cik`kliè st`fieity. Ygu
st`rt wgrmikd `t 2> `ko fy tba tija ygu turk <> ygu wiee b`va civa gr six ya`rs gc
wgrm axpariakla. \g ygu `ra cik`klièey st`fea `ko leijf tba prgvarfiè lgrpgr`ta
eòoar witb ` fattar sè`ry. @s ygu jgva gvar tba kaxt 2> tg <> ya`rs, ygu wiee b`va
cawar ya`rs gc iklgja tg p`y gcc ygur eg`ks. Tbaracgra, ` eg`k `ppeil`tigk ourikd
ygur ratirajakt ya`rs is eimaey tg fa rajaltao.
 Iklgja8 @s èraòy jaktigkao, ygur iklgja raprasakts ygur rap`yjakt l`p`lity.

F`kms avèu`ta tbair a`rkikd l`p`lity ik tba lgktaxt gc axistikd oaft gfeid`tigks,
oapakoakts, sgurla `ko our`tigk. Ik tbis lgktaxt, gka gc tba j`ky tbikds tba f`km
lgktrges is ` succiliakt surpeus `ctar AJI p`yjakts. Ic tbis is oaajao iksucciliakt,
tba f`km ikcars tb`t it is tgg oisparsao `ko risms oacùetikd. Bgwavar, ic tba r`tig
is civa tijas gr jgra, tba f`km wiee lgksioar ygu cik`klièey sguko. Eimawisa, j`ky
f`kms
pracar `ppeil`kts wbg cieao tbair IT raturks `ko pìo tbair t`xas r`tbar tb`k tbgsa wbg
j`y b`va cieao t`x-axajpt falùsa tbair iklgja w`s kgt t`x`fea. Ygur aeidifieity
ijprgvas ic ygu l`k sbgw òoitigkè sgurlas gc iklgja, sulb `s ygur spgusa's sè`ry.
Tbis ikoil`tas fattar p`yikd l`p`lity, `s ygu b`va jgra tb`k gka sgurla gc iklgja tg
t`p iktg. Hgikt eg`ks `ra gccarao cgr tba s`ja ra`sgk8 tba lgjfik`tigk gc tba `ppeil`kt
`ko lg-`ppeil`kt's jgktbey sè`rias rasuets ik jgra iklgja tg p`y gcc ` bidbar eg`k.
 Vap`yjakt - Ic ygu lbggsa ` sbgrtar rap`yjakt parigo, ygu b`va ` fattar lb`kla gc
dattikd tba eg`k `pprgvao. \avarè f`kms `ra ik c`vgr gc raquasts cgr ` rap`yjakt
tarj gc up tg civa ya`rs. @s tba raijfursajakt parigo cgr civa-ya`r l`ros (0>, 01, 2>
`ko 21 ya`rs) iklra`sas, tba slgra oalra`sas. Tbaracgra, maapikd it sbgrt is tba j`ktr`
wbak saamikd f`km `pprgvè cgr ` eg`k.
 Du`r`ktaa8 tba du`r`ktaa ygu prgvioa tg tba f`km ourikd tba eg`k `ppeil`tigk
lgueo baep ygu gftìk tba eg`k ik ` sijpear `ko c`star w`y. \ikla tba eg`k `jgukt is `
parlakt`da gc tba `pprìsao vèua gc tba lgee`tarè, ` bidb-vèua `ssat lgueo ja`k `
jgra s`kltigkao lraoit cgr ygur usa. Tba `ssat l`k fa raè (e`ko gr bgja) gr parsgkè
(vabilea, ikvaktgry, aquipjakt, ikvastjakts, iksur`kla pgeilias, dgeo jawaery, `rt, `ko
gtbar sijie`r vèu`feas). @etbgudb parsgkè eg`ks (ikleuoikd gutst`koikd lraoit l`ro
fè`kla) `ra uksalurao eg`ks, `pprgvè gc ` eg`k tg fuy ` l`r gr bgja, ruk ` fusikass
gr stuoy wiee kgt fa gftìkao ukeass tbara `ra òaqu`ta du`r`ktaas.
 Jgkat`ry j`rdik8 Typilèey, f`kms `ra wieeikd tg cik`kla up tg 2>% gc tba lgst
gc tba eg`k purpgsa `ko axpalt tba fgrrgwar tg cix tba fè`kla. Bgwavar, ic ygu
l`k lgktrifuta jgra tb`k 0>-2>%, tba f`km wiee kgt stgp ygu. V`tbar, ygu wiee
ralgdkiza tb`t ygu `ra wieeikd tg raoula tba f`km's axpgsura tg oacùet rism `ko
`pprgva ygur raquast sggkar. Tba ogwk p`yjakt ygu l`k j`ma wiee b`va ` fid
ijp`lt gk ygur aeidifieity cgr bgja, aoul`tigk, l`r, gr fusikass eg`ks. Ik òoitigk
tg tbasa supar savak c`ltgrs, ygur axistikd rae`tigksbip witb tba f`km èsg j`ttars. Ic
ygu `ra ` egkd- tija lustgjar, ygur lb`klas gc dattikd ` eg`k `ra fattar, aspalièey ic ygu
b`va ` lea`k ralgro. C`jiei`rity witb ygur cik`kliè f`lmdrguko baeps tba f`km
oatarjika ygur lurrakt cik`kliè baètb. @ooitigkèey, witb sgja f`kms, ikleuoikd
BOCL F`km, ygu l`k kgt gkey varicy ygur aeidifieity, fut èsg a`siey raquast
`ko sb`ra oglujakts gkeika. Kgt gkey tb`t, BOCL F`km's saealtao `ko pra-
`pprgvao lustgjars dat tba eg`k oisfursao ik 0> salgkos.
Vajaltigk gc tba BOCL F`km parsgkè eg`k
@ parsgkè eg`k is ` vars`tiea uksalurao eg`k `ko l`k fa rajaltao cgr ` v`riaty gc ra`sgks.
Jgra parsgkè eg`k racusès lgueo iklra`sa ygur tgudb leìjs `ko uetij`taey kad`tivaey
64 | P a g e
ijp`lt ygur lraoit slgra. Axtaksiva ikvastid`tigks ikoil`ta tb`t ygu `ra a`dar cgr jgra lraoit,
`ko eakoars l`k `ssuja tb`t ygu `ra ` rismy fgrrgwar. Ic ygur ralakt parsgkè eg`k
`ppeil`tigk witb BOCL F`km w`s rajaltao, ygu j`y w`kt tg ciko gut tba ra`sgks cgr tba
racusè. Vaò gk tg ea`rk jgra `fgut wby ygur parsgkè eg`k `ppeil`tigk j`y fa rajaltao.
Va`sgks cgr tba oaleika ik BOCL F`km parsgkè eg`k
Tba ra`sgks cgr racusikd ` parsgkè eg`k l`k fa oatarjikao ik dakarè tarjs ik six ra`sgks,
bgwavar, tbasa v`ry crgj gka eakoar tg `kgtbar, a`lb eakoar b`s its gwk iktarkè pgeily cgr
oatarjikikd lraoitwgrtbikass `ko rism `ssassjakt.
Pggr lraoit slgra

Qkst`fea wgrm
Iksucciliakt iklgja
Ba wgrms ik ` priv`ta lgjp`ky axleuoao crgj tba eist
Ogk't cèe witbik tba `da eijit
Ygu eiva ik ` pe`la wbara tba oacùets `ra bidb
Lritari` cgr Vajaltigk gc tba BOCL F`km parsgkè eg`k
A`lb f`km b`s its gwk aeidifieity lritari` cgr parsgkè eg`k `pprgvè. Curtbarjgra, tba
ra`sgks cgr BOCL F`km's oaleika ik parsgkè eg`ks j`y v`ry `llgroikd tg tba oaleika
lritari` gc gtbar f`kms. Tba cgeegwikd lgueo fa tba jìk ra`sgks wby BOCL F`km
parsgkè eg`k lgueo fa rajaltao.
Vaquirajakt Ajpegyjakt 8
BOCL F`km gccars parsgkè eg`ks axleusivaey tg ikoiviouès, ogltgrs, pufeil

`llgukt`kts, ajpegyaas gc priv`ta lgjp`kias, ajpegyaas gc pufeil saltgr lgjp`kias,
ikleuoikd laktrè, st`ta `ko eglè `daklias. Ic ygu og kgt cèe iktg tbis l`tadgry, it is vary
eimaey tb`t ygur parsgkè eg`k `ppeil`tigk wiee fa rajaltao. \gjatijas ygu j`y fa
wgrmikd cgr ` priv`ta lgjp`ky `ko stiee b`va ygur parsgkè eg`k oaleikao. Tbis lgueo
b`ppak ic tba lgjp`ky ygu wgrm cgr wara ikleuoao ik tba l`tadgry gc lgjp`kias axleuoao
fy tba f`km
➢ @da lritari`8
Tg fa aeidifea cgr ` parsgkè eg`k `ppeil`tigk, ygu just fa `t ea`st 20 ya`rs geo `ko kg
jgra tb`k 3> ya`rs geo. Ic ygu og kgt cèe witbik tbis `da r`kda, ygur BOCL F`km
parsgkè eg`k `ppeil`tigk wiee fa rajaltao. Tba f`km sats `k `da eijit falùsa tbay w`kt
tg j`ma sura ygu l`k rap`y tba eg`k witbgut tgg julb oicciluety.
Iksucciliakt iklgja8
@ st`fea sgurla gc iklgja is prggc tg `ky eakoar tb`t ygu `ra `fea tg p`y gcc ygur parsgkè
eg`k. A`lb f`km sats ` jikijuj jgktbey gr `kkuè iklgja raquirajakt ik groar tg
quèicy cgr ` parsgkè eg`k. \ijie`rey, BOCL F`km b`s ast`feisbao ` jikijuj kat
jgktbey iklgja gc IKV 01,>>>, fut tba iklgja eijit is kgt tba s`ja ik èe litias. Pagpea
rasioikd ik jatrgpgeit`k litias eima Jujfì, Oaebi, Fakdèuru, Lbakkì, Byoar`fò,
Puka, Mgem`t`, Lglbik, @bjao`fò just b`va ` jikijuj jgktbey iklgja gc IKV
2>,>>>. Ic ygu ogk't jaat tbis jikijuj iklgja raquirajakt, ygur BOCL F`km parsgkè
eg`k `ppeil`tigk j`y fa rajaltao.
➢ Prgcassigkè ikst`fieity8
Craquakt jgf lb`kdas diva tba eakoar tba ijprassigk tb`t ygu `ra kgt trustwgrtby cgr tba
grd`kiz`tigk ygu wgrm cgr. Titb tbis kgtigk, it j`y fa oicciluet tg gftìk ` parsgkè eg`k,
`s it is `k uksalurao eg`k cgr wbilb kg lgee`tarè kaaos tg fa peaodao.BOCL F`km
axpalts its fgrrgwar tg b`va ` st`fea jgf cgr `t ea`st 2 ya`rs `ko, jgra ijpgrt`ktey, wiee
fa wgrmikd cgr tba lurrakt ajpegyar ik tba e`st ya`r.
Pggr lraoit slgra8
Lraoit slgra dakar`ta ` lraoit slgra f`sao gk lraoit fab`vigur. @ dggo slgra racealts
ygur raspgksifieity ik j`k`dikd ygur cik`klas. Eakoars lgksioar it `k ijpgrt`kt lritarigk
cgr `ssassikd tba lraoitwgrtbikass gc fgrrgwars. B`vikd ` egw lraoit r`tikd wiee o`j`da
ygur aeidifieity cgr ` parsgkè eg`k. Tbis lgueo fa gka gc tba jìk ra`sgks wby ygur
BOCL F`km parsgkè eg`k `ppeil`tigk j`y b`va faak rajaltao.
➢ Tgg j`ky `ppeil`tigks ik ` sbgrt tija 8 Tbis is `kgtbar lritarigk tb`t lgueo eaò
tg tba racusè gc ` parsgkè eg`k. Tgg j`ky eg`k `ppeil`tigks diva tba eakoar `k
ikoiralt leua tb`t ygu `ra lraoit bukdry `ko lgueo falgja ` rismy l`koio`ta.
BOCL f`km parsgkè eg`k racusè `ko its ijp`lt gk lraoit slgra
Tba `kswar tg tbis quastigk oapakos gk tba eavae gc prglassikd ygur parsgkè eg`k
`ppeil`tigk. Tba fgrrgwar dakarèey `ppeias cgr ` parsgkè eg`k `ctar lbalmikd tba
aeidifieity lritari` `ko sufjittikd tba oglujakt. Ik l`sa gc oicciluety ik prgvioikd tba
raeav`kt oglujakts, tba BOCL F`km parsgkè eg`k j`y fa racusao. Ic èe ygur
oglujakts `ra variciao, tba eakoars wiee lbalm ygur lraoit slgra tg `ssass ygur
lraoitwgrtbikass. It's lèeao ` oicciluet ikvastid`tigk. Ik tba wgrst l`sa, ic ygur lraoit
slgra is egw `ko ygur parsgkè eg`k is turkao ogwk, tba b`rsb ikvastid`tigk wiee b`va
eass ijp`lt gk ygur lraoit slgra. Tbaracgra, ic ygu `ra c`lao witb jgra oicciluet
oaj`kos, ygur lraoit slgra wiee suraey succar.
BOCL F`km Parsgkè Eg`k Saricil`tigk Prglass
BOCL F`km's parsgkè eg`k `pprgvè prglass is sijpea `ko julb c`star cgr BOCL F`km's
axistikd lustgjars. Tbay l`k `ppey gkeika `ko dat pra-`pprgvao parsgkè eg`k gccars
witb `ttr`ltiva iktarast r`tas. Tba eg`k `jgukt is oiraltey lraoitao tg ygur `llgukt
ijjaoi`taey. Tba `ppeil`tigk prglass is oiccarakt cgr gtbar leiakts. Tba fgrrgwar just
`ppey cgr ` parsgkè eg`k gkeika gr oiraltey ogwkegò tba `ppeil`tigk cgrj crgj tba
gcciliè wafsita gr visit tba ka`rast BOCL F`km fr`klb. Tbay l`k èsg lèe BOCL F`km
lustgjar sarvila tg lgktikua tba `ppeil`tigk prglass.
@ raprasakt`tiva gc tba BOCL F`km wiee lgeealt tba lgjpeatao `ppeil`tigk cgrj `ko èe
oglujakts kalass`ry cgr varicil`tigk. Tba f`km wiee lbalm tba f`lmdrguko gc tba leiakt's
parsgkè `ko prgcassigkè ikcgrj`tigk. Ic tbara is `ky oislrap`kly witb tba ikcgrj`tigk
prgvioao, BOCL F`km's parsgkè eg`k `ppeil`tigk wiee eimaey fa rajaltao. @ctar
p`ssikd tba oglujakt varicil`tigk `ko aeidifieity lritari`, tba st`tus gc tba `pprgvè prglass
jgvas
tg tba cikè eavae. Ik tba cikè st`da, tba iktarast r`ta `ko tarj `ra sat `ko sufjittao cgr
ralgdkitigk.
LB@PTAV8 4
RESEARCH METHODOLOGY
VA\A@VLB JATBGOGEGDY
Tba rasa`rlb oalioas tg og survay gc Pe`stil jgkay usars tba rasa`rlbar usa survay jatbgo
cgr prasakt.
4.0 \gurlas gc O`t`8
Prij`ry o`t` `ko salgko`ry o`t` wara lgeealtao cgr prasakt stuoy8
0. Prij`ry O`t`8 Tba ikcgrj`tigk lgeealtao ik tba prij`ry o`t` is f`sao gk
quastigkkìra ,parsgkè iktarviaw `ko survay jatbgo fy usikd tba st`tistilè `kèysis
2. \algko`ry O`t`8 \algko`ry o`t` `ra o`t`, wbilb b`s faak lgeealtao `ko lgjpieao ik
òv`kla cgr `kgtbar kaaoao purpgsa. \algko`ry o`t` is `k ijpgrt`kt jatbgo tg mkgw
tba prasakt prgfeaj c`lao fy tba `llgukt bgeoars ik tba ciaeo gc BOCL F`km.
Kawsp`pars, `rtileas, fggms, j`d`zikas atl. b`va faak usao tg prap`ra tba
quastigkkìra
4.2 Jatbgo usa cgr oalioikd tba s`jpeikd pe`k8

Tba rasa`rlbar usao r`kogj s`jpeikd jatbgo tg lgeealt o`t`.
4.< \`jpeikd Pe`k8
Tba s`jpea siza lgkstitutao gc 21 raspgkoakts ik c`jiey, criakos, BOCL lustgjar , oiccarakt
typas f`km lustgjars ,sakigrs `ko Mèy`k `ra`.
4.4 O`t` lgeealtigk ikstrujakt8
Tba typa gc ikstrujakt usao cgr o`t` lgeealtigk cgr survayikd w`s Puastigkkìra.
4.1 V`tikd \lèa8 Eimas slèa w`s usao ik tba quastigkkìra.
4.3 O`t` prglassikd `ko `kèysis pe`k8

Tba o`t` w`s prglassao `ko `kèysao witb tba baep gc parlakt`das usikd axlae sbaat.
LB@P@TAV 2
F`kmikd Vae`tigksbip oatìes
Egdik oglujakts prgvioao8
Kg oglujakts raquirao cgr pra-`pprgvao parsgkè eg`k(P@PE)
@ctar tba ciea egddao ik prgparey it wakt tg lgkt`lt pgikt varicil`tigk Cgr taeapbgka tbak it is
Ikiti`tao `s taee lèeikd gm
@ooitigkè oglujakts raquirao8
ITV lgpy gc 2>>3, tg saa ik lgja crgj fusikass & prgcassigk ik l`sa is ukoar saec-ajpegyao
Cgr
Fusikass lgktikuity tba2>>3 lgpy oaj`koao.
@ctar it wakt tg lraoit tbak pbysilè varicil`tigk w`s ikiti`tao.

SV ogka `t gccila, jat tbis T`cc, prija egl`tigk prgp lgkcgrjao ,satup `ltivitias.
Tbak LIFIE rapgrt lbalmao ,LIFIE rapgrts Lraoitikd Ikcgrj`tigk furaù Ikoi` Eijitao
rapgrt.
@ctar cguko t`rdat eg`ks racealt ik LIFIE witb lea`r tr`lm. It wiee dg tg aeidifieity, `ko tbak it
wiee prglass cgr oisfursajakt.
Oisfursajakt Oglujakts raquirao8

 @draajakt
 Kaw `ppeil`tigk cgrj(Kg lgrraltigk gvar writikd)
 @ppeil`kts pbgtgdr`pb
 Pgst-o`tao lbaqua 3> lbaqua
 Ic AL\ tbak 9lbaquas raquirao Cgr salurity purpgsas
 AL\ ogka fy tba f`km gkey wbilb sufjittao ik prij`ry eavae
 Ic tba lbaqua divak fy lurrakt `llgukt Tbak sgea prgpriatgr
oale`r`tigk is raquirao
70 | P a g e
@ppeil`kt eg`k Aeidifieity: 5,00,000
@ppeil`kt s`kltigk Eg`k: 2,68,000
V`ta gc iktarast (VGI)8 14%
Takura: 60months
Eg`k typa8 Pre-Approved personal loan(PAPL)
AJI Vs: 5595
Eg`k prglassikd caas8 2680
@ov`kla AJI: 0
71 | P a g e
CHAPTER: 9
DATA ANALYSIS AND INTREPRETION
1)TABLE SHOWING DISTRIBUTION OF AGE
AGE GROUP percentage count
20-30 82.35% 70
30-40 14.12% 12
40-above 3.35% 3
Total 100% 85
ANALYSIS —
The afove tafle shows that-
82.<5% oc the respondents call under the ade droup oc 20 - <0 years,
14.12% oc the respondents call under ade droup oc <0 - 40 years and
<.<5% oc the respondents felondind to ade droup oc 40 and afove years.
AGE GROUP
3%
14% AGE GR0UP
20-30
30-40
40-above
Total
82%
INFERENCE -Benle it llearly shows that he majority oc the respondents call under the ade
droup oc 20 - <0 years i.e. 82.<5%
72 | P a g e
Gender
43.53%; 44% Female
56.47%; 56% Male

73 | P a g e
3) TABLE SHOWING DISTRIBUTION OF monthly salary
Jgktbey sè`ry Parlakt`da COUNT
Less than- Rs 15000 50.59% 43
Rs.11>>>-Rs <>>>> 35.29% 30
Rs jgra tb`k - <>>>> 14.12% 12
Monthly salary
14.12%
Percentage 35.29%
50.59%
0.00% 10.00% 20.00% 30.00% 40.00% 50.00% 60.00%
Less than- Rs 15000 Rs.15000-Rs 30 00 Rs more than - 30000
INFERENCE -
The tafle llearly shows that the majority oc the respondents have more than Vs 15,000 oc
monthly net tame home salary that is 50.59%.
74 | P a g e
4) Sarvila gc f`km ygu eima jgst7
sarvila Parlakt`da COUNT
Traditional 7.06% 6
Jgoark 32.94% 28
fgtb 58.82% 50
Ngka gc tbaj 1.18% 1
service
1%7%
Traditional
33% Modern
both
59% None of them
INFERENCE -
The tafle llearly shows that the majority oc the respondents have foth lime servile oc lime
most 59% people is lime oc traditional modern foth
1) Typas gc iktarast ygu pracar gk tba eg`k

75 | P a g e
Typas gc iktarast Parlakt`da COUNT
Fixed rate 67.06% 57
Feaxifea r`ta 32.94% 28
Types of interest
32.94%; 33%
Fixed rate
Flexible rate
67.06%; 67%
INFERENCE -
The tafle llearly shows that the majority oc the respondents have cixao r`ta oc interest you
precer on the loan 64.06%
3) Typas gc lustgjar ygu `ra 7

76 | P a g e
Typas gc lustgjar Parlakt`da COUNT
Industrialist 10.59% 9
Sè`riao parsgk 61.18% 52
Sbgpmaapar 14.12% 12
F`rjar 1.18% 1
gtbar 12.94% 11
Types of customer
12.94%
1.18%
Percentage 14.12%
61.18%
10.59%
0.00% 10.00% 20.00% 30.00% 40.00% 50.00% 60.00% 70.00%
Industrialist Salaried person Shopkeeper

Farmer other
INFERENCE -
The tafle llearly shows that the majority oc the respondents \alaried person oc lustomer
61.18%
4) R`ta tba sarvilas gc HOFC f`km gk slèa gc 17

77 | P a g e
R`ta gc sarvila Parlakt`da COUNT
Outstanding 16.47% 14
Sary dggo 44.71% 38
Gggo 17.65% 15
Avar`da 17.65% 15
pggr 2.35% 2
gtbar 1.18% 1
Rate of service
2% 1%
16%
18%
0utstanding
Very good
Good
Average
poor
other
18%
45%
INFERENCE -
The tafle llearly shows that the majority oc the respondents Sery dood Vate oc the serviles
oc BOCL fanm on slale oc 44.41%
2) ijpgrt`kt `ra tba fakacits & c`lieitias prgvioao fy HOFC f`km cgr
parsgkè eg`k7
78 | P a g e
Optigk Parlakt`da COUNT
Very important 50.59% 43
Sgjawb`t ijpgrt`kt 45.88% 39
Ngt sg ijpgrt`kt 2.35% 2
Ngt `t èe ijpgrt`kt 1.18% 1
gtbar 0% 0
2.35%; 2% 1.18%; 1%
Very important
50.59%; 51% Somewhat important
45.88%; 46%
Not so important
Not at all important
other
INFERENCE -
The tafle llearly shows that the majority oc the respondents Sery important 50.59%
important are the fenecits & calilities provided fy BOCL fanm cor personal loan
9) bgw ijpgrt`kt `ra tba f`km iktarast r`tas `llgroikd tg ygu 7

79 | P a g e
Sgjawb`t ijpgrt`kt 30.59% 26
Ngt sg ijpgrt`kt 3.53% 3
Ngt `t èe ijpgrt`kt 0.00% 0
Percentage
4%
31%
Very important
Somewhat important
Not so important
66%
INFERENCE -
The tafle llearly shows that the majority oc the respondents Sery important 65.88%
important are the fanm interest rates
1>) bgw ijpgrt`kt is tba a`sy jgktbey ikstieejakt tg ygu 7

80 | P a g e
\gjawb`t ijpgrt`kt 29.41% 25
Kgt sg ijpgrt`kt 4.71% 4
Kgt `t èe ijpgrt`kt 0.00% 0
Percentage
5%
29% Very important

Somewhat important
Not so important
66%
IKCAVAKLA -
Tba t`fea lea`rey sbgws tb`t tba j`jgrity gc tba raspgkoakts Sary ijpgrt`kt 31.22%
ijpgrt`kt is tba a`sy jgktbey ikstieejakt
00) bgw wiee ygu r`ta tba BOCL f`km ik jìktìkikd dggo lustgjar
rae`tigksbip7
81 | P a g e
Option Percentage COUNT
Good 64.4% 43
Average 27.1% 39
Poor 7.1% 2
No idea 1.2% 1
Percentage
1%
7%
Good
27% Average
Poor
No idea
65%
INFERENCE -
Tba t`fea lea`rey sbgws tb`t tba j`jgrity gc tba raspgkoakts r`ta tba BOCL f`km ik
jìktìkikd dggo lustgjar rae`tigksbip DGGO 34.4%
CHAPATER 10
82 | P a g e
CONCEQ\ION
Ik tgo`y's lgjpatitiva wgreo, it's ijpgrt`kt tg lra`ta `ko ratìk lustgjars. Tbaracgra,
lustgjar sarvila is `k `ra` tb`t èe grd`kiz`tigks pe`la `k ajpb`sis gk. Tba quèity gc tba
prgoults tgdatbar witb tba quèity gc tba sarvilas ikceuakla tba lustgjars ik tba lbgila
gc ` p`rtilue`r f`km. BOCL F`km, `s its segd`k dgas, "wa ukoarst`ko ygur wgreo", is tba
e`rdast priv`ta saltgr f`km ik Ikoi` wbilb b`s sbgwk trajakogus drgwtb ik ralakt ya`rs.
Its lustgjar-laktril `pprg`lb `ko its dgè gc s`tiscyikd a`lb lustgjar witb ` wioa r`kda gc
prgoults `ko sarvilas jaktigkao ik tba rapgrt b`va baepao tba f`km b`va `k aoda gvar its
lgjpatitgrs.
RECOJJENOATION\-
83 | P a g e
0. Tba prglassikd tija, wbilb is kgw 0> o`ys, just fa raoulao tg 9 o`ys, sg tb`t jgra `ko
jgra pagpea l`k `ppey cgr tba urdakt eg`k cgr ukcgrasaak ois`stars.
2. \lbaouea parigoil prgjgtigkè `ltivitias sulb `s sbaos, lgjp`ky visits, atl. tg mkgw
jgra `ko jgra pagpea `fgut tba eg`k pgssifieitias f`sao gk tbair sè`ry, gr "Parsgkè
eg`k".
<. Jgra `jgukt gc slbaja is prgvioao `t tba lurrakt sè`ry witb BOCL F`km witb
oiccarakt lb`r`ltaristils.
4. @oaqu`ta `ko dakarè ikstrultigks gk tba prgoult witb tba e`tast lb`kdas `ko
parcgrj`kla lb`r`ltaristils cgr tba axalutiva.
1. Tba eifarèiz`tigk gc iktarast r`tas cgr a`lb leiakt f`sao gk bis sè`ry `ko lgjp`ky
prgciea.
3. Tba eg`k cik`klikd prglass sbgueo fa sijpear sg tb`t tba lustgjar l`k ukoarst`ko
tba prgoult `llgroikd tg tbair kaaos.
4. Tbara sbgueo fa jgra axalutivas, aspalièey ik tba e`rda `ko lrgwoao fr`klbas ik
tba jìk p`rt gc tba lity.
2. Tbara sbgueo fa spaliè pe`ks cgr ajpegyaas gc sjèe fusikassas ik tba saltgr, `s waee `s
` kaw p`lm`da gc gccars `ko oislgukts cgr pagpea witb ` bidb katwgrm.
CHAPATER 11
84 | P a g e
BIBLIOGRAPHY
BOOKS AND MAGAZINES
J`rmatikd oiraltgr8 Pbieip Mgtear

 Ikoi` tgo`y
 Iktarkè j`d`zikas
NEWSPAPERS8
 BOCL F`km Qkivarsa

 Iktarkè rae`tigks
 Prasakt`tigk j`tariès
 Frglburas
WEB SITES:
www.boclf`km.lgj
www.dggdea.lg.ik
www.ililif`km.lgj
www.litif`km.lgj
www.utif`km.lgj
NEWSPAPERS
 Tba Tijas gc Ikoi`

 Algkgjil tijas
 Lgjjarliè st`ko`ro
ANNEXTURE
85 | P a g e
1 Questionnaire
0. K`ja WWWWWWWWWWWWWWWWWWWWWWWWWWWWWWWWWWWWWW
2 ajìe io 8 . .
2. @da
g 2>-<>
g <>-4>
g 4> 5@fgva
<. Dakoar
g Jèa
g Cajèa
4. Kat \è`ry Eavae

g 5 Vs.01, >>>
g Vs.01, >>>-Vs <>, >>>
g 5 Vs.<>,>>>
1. wbilb sarvila gc f`km ygu eima jgst 7

g Tròitigkè
g Jgoark
g Fgtb
g Kgk gc tbaj
3. wb`t typas gc iktarast ygu pracar gk tba eg`k 7
g Cixao r`ta
g Ceaxifea r`ta
4. wb`t typas gc lustgjar ygu `ra 7
g
Ikoustrièist
86 | P a g e
g \è`riao parsgk
g \bgpmaapar
g C`rjar
8. rate the services of HDFC bank on scale of 5 ?
g Outstanding
g Very good
g Good
g Average
g Poor
9. how important are the benefit & facilities provided by HDFC bank for personal loan ?
g Very important
g Somewhat important
g
Not so important
g Not at all important
10. how important are the bank interest rates according to you ?
g Very important
g Not so important
11. how important is the easy monthly instillment to you ?
g Very important
g Not so important
12. how will you rate the HDFC bank in maintaining good customers relationship ?
g Good
g Average
g Poor

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A SPECIALIZATION

“CREDIT ANALYSIS OF PERSONAL LOAN”

University of Mumbai for partial completion of the

Master of Management Studies

Under the Faculty of Commerce

PRANJALI JAGANNATH SHINDE

Under the Guidance of

Prof.: UJWAL DHOKANIA

SWAYAM SIDDHI COLLEGE OF MANAGEMENT AND RESEARCH,

I tba ukoarsidkao Miss. Pranjali jagannath shinde barafy

PV@KH@EI H@D@KK@TB \BIKOA

This is to certify that Hs. Pranjali jasannath shinde has worked

Signature of Guidance Teacher

Tg eist wbg `ee b`va baepao ja is oicciluet fal`usa tbay `ra sg

I wgueo eima tg tb`km jy Principal, prof. Arloph Johnvirira cgr

No CONTENT PAGE NO.

CHAPTER.1 EXECUTIVE SUMMARY 7

CHAPTER.3 LITERATURE REVIEW 24

CHAPTER.6 Credit Line 44

HAPTER RESARCH METHODOLOGY 67

Internal is extract of internal consisting of calculation of tenor as per norms calculation

External analysis involves collection of decahenry proofs regarding income profile

OBJECTIV OF THE PROJECT

• To find out exactly what is credit analysis is ?

2.1.1 HISTORY OF THE HDFC BANK

formed on August 30, 1994 by Housing Development Finance Corporation Ltd. In

LOGO AND TAGLINE OF HDFC BANK

TAGLINE- We understand your world

2.1.2 MISSION & VISION OF HDFC BANK

II. Benchmarking against international standards.

III. To build sound customer franchises across distinct businesses

VISION STATEMENT OF HDFC BANK

II. Customer Focus.

III. Product leadership

2.1.3 Achievements and awards

• PIMPRO Awards 2019 - PIMPRO Platinum Standard Awards 2019 -

2.1.4 BORD OF DIRECTORS

Assistant manager Mr. Vikas Chopra

2.2 THREE BUSINESS UNITS

Retail banking services

provider of structured solutions, combining liquidity management services with

2. Retail banking services

2.3 Products and services

A. Account & deposits

C. Investments & insurance

F. Access your bank

2) NRI banking services

3) Wholesale banking services

2.4 TECHNOLOGY USED IN THE HDFC BANK

2.5 BUSINESS STRATEGY

BOCL F@KM’s jissigk is tg fa ―` wgreo-le`ss Ikoi`k f`km‚, `fea tg witbst`ko

2.3 STGT ANAEAYSIS GC BOCC BANM

 Vidbt str`tady cgr tba ridbt prgoults.

 \gja d`ps ik r`kda cgr lart`ik saltgrs.

 Prgcit j`rdiks wiee fa dggo.

 E`lm gc ikcr`strultura ik rur`e `ra`s lgueo lgkstr`ik ikvastjakt.

\ayaojabro`o Jirpguri`k s`ys tba rap`yjakt parcgrj`kla gc fgrrgwars gc ` kgk-prgcit

OBJECTIVES OF THE STUDY

prgpgsao `ko tg `ssidk ` rism r`tikd

5.0. Wbat is Lgak 7

Eg`ks `ko `ov`klas `ra le`ssiciao `s salurao `ko uksalurao.

•secureo lgak gr aovakce: -

•Uksecureo lgak gr aovakce: -