PROJECT REPORT ON TYPES LOAN PROVIDED BY DIFFERENT

BANK

SUMITTED TO
SAVITRIBAI PHULE PUNE UNIVERSITY

SUBMITTED BY:
MR. GAURAV MANCHANDA BHUJBAL

EXAM SEAT NO: - BBA

UNDER THE GUIDANCE

PROF.SAFIYA SHAIKH
(PROJECT GUIDE)

G.H. RAISONI.COLLEGE OF ARTS, COMMERCE, AND SCIENCE,

PUNE 412207
ACADMIC YEAR: 2022- 2023

ACKNOWLEDGEMENT
With deep gratitude and humbleness, I take this opportunity to express my sincere thanks to
our college for encouragement and the facility provided during my Bank visit. I would also
like to thank our college authority, or he help in all aspect.

I would also like to thank my project guide Prof. Safiya Shaikh Mam under whose
supervision and inspiration I was able to learn various details related to my degree through
Bank visit. I would also like to aspect my sincere thanks to all teaching and non-teaching
staff members of G. H. RAISONI college of Arts, commerce and science Wagholi, Pune.

Last but, not the least I would like to express my cheerful thanks to my dear parents and all
the viewers for the love affection and co-operation given from time to time.

I would also like to thank lord shiva for giving me strength and guiding me in all the aspects
to complete my project.

PUNE
APRIL 2022 MR. GAURAV MACHINDRA BHUJBAL
G.H. RAISONI COLLEGE OF ARTS AND COMMERCE & SCIENCE
WAGHOLI PUNE 412207

CERTIFICATE

This is clarifying that MR. GAURAV MACHINDRA BHUJBAL student of S.Y. B.B.A (SEM III)
Exam has visited Different bank. He has made project on same, for the partial fulfillment of B.B.A
(Bachelor of Business Administration) of Savitribai Phule Pune University.
He has completed the project as per the requirements laid down by "SAVITRIBAI PHULE PUNE
UNIVERSITY" for the academic year, 2022 – 2023 for the subject "Banking and Finance " based on
bank visits.

He has completed the field visit under the guidance and direction. His report is found to be
satisfactory.

Date:

Internal examiner External Examiner

Prof. Safiya Shaikh Prof. Snehal Dalvi Prof. Suresh

Dharne
(Project guide) (HOD) (Principal)

INDEX

CHAPTER NO NAME OF CONTENT PAGE.NO

1 INTRODUCTION

2 EXECUTIVE SUMMARY

3 REASEARCH METHODOLOGY

4 CONCEPTUAL BACKGROUND

5 COMPANY PROFILE

2 OBJECTIVE OF THE STUDY

7 SCOPE OF THE STUDY

8 CONCLUSION

9 QUESTIONNAIRE

10 ANAXITURE
 INTRODUCTION

A loan is a sum of money that one or more individuals or companies borrow

from banks or other financial institutions so as to financially manage planned or unplanned events. In
doing so, the borrower incurs a debt, which he has to pay back with interest and within a given period
of time.

The recipient and the lender must agree on the terms of the loan before any money
changes hands. In some cases, the lender requires the borrower to offer an asset up for collateral,
which will be outlined in the loan document. A common loan for American households is a mortgage,
which is taken for the purchase of a property.

Loans can be given to individuals, corporations, and governments. The main idea
behind taking out one is to get funds to grow one’s overall money supply. The interest and fees serve
as sources of revenue for the lender.

The immediate benefit of a working capital loan is that it's easy to obtain and lets business
owners efficiently cover any gaps in working capital expenditures. The other noticeable benefit is
that it is a form of debt financing and does not require an equity transaction, meaning that a business
owner maintains full control of their company, even if the financing need is dire.

Some working capital loans are unsecured. If this is the case, a company is not required to
put down any collateral to secure the loan. However, only companies or business owners with a
high credit rating are eligible for an unsecured loan. Businesses with little to no credit have
to securitize the loan.
 Executive Summary

Technological innovations have led to marked improvements in

efficiency, productivity, quality, inclusion and competitiveness in extension of
financial services, especially in the area of digital lending. However, there have
been unintended consequences on account of greater reliance on third-party
lending service providers mis-selling to the unsuspecting customers, concerns
over breach of data privacy, unethical business conduct and illegitimate
operations. While the current share of digital lending in overall credit pie of the
financial sector is not significant for it to affect financial stability, the growth
momentum has compelling stability implications. It is believed that ease of
accessing digital financial services, technological innovations and cost-efficient
business models will eventually lead to meteoric rise in the share of digital
lending in the overall credit.

The larger issue here is protecting the customers from widespread

unethical practices and ensuring orderly growth. As has been seen during the
pandemic-led growth of digital lending, unbridled extension of financial
services to retail individuals is susceptible to a host of conduct and governance
issues. Mushrooming growth of technology companies extending and aiding
financial services has made the regulatory role more challenging. In view of the
ease of scalability, anonymity and velocity provided by technology, it has
become imperative to address the existing and potential risks in the digital
lending ecosystem without stifling innovation.

Further, on a larger canvas and on a medium to long term horizon, digital

innovations along with possible entry of Biotech companies may alter the
institutional role played by existing financial service providers and regulated
entities. A fallout of this may get reflected in blurring of regulated and
unregulated financial institutions/ activities. Such developments spurred by
mere commercial considerations would pose regulatory challenges in ensuring
monetary and financial stability and in protecting interests of the customers. The
recommendations and suggestions are aimed at addressing issues posed by
digital evolution of the financial activities/ products/ institutions while ensuring
ways to reap the benefits of digital innovation at the same time.

The WG recommendations would act at three levels: regulated entities of

the RBI; other regulated/ authorised entities; and unregulated entities including
third-party service providers functioning in the digital financial realm. The
recommendations seek to protect the integrity of the system against entities that
are not regulated and not authorized to carry out lending business. The onus of
subjecting third-party lending service providers to a standard protocol of
business conduct would lie with the regulated entities to whom they are
attached. Further, an institutional mechanism is envisaged to ensure the basic
level of customer suitability, appropriateness and protection of data privacy.
The report further seeks to ensure that there is orderly growth in the digital
lending ecosystem without it being unduly disruptive towards the existing
players in the ecosystem. The idea is that the existing players in the digital
lending realm should follow recommended standards of appropriateness to
address conduct/ technological issues.
 RESEARCH METHODOLOGY

The first stage included the introduction of Indian Banks and how they work in India. I choose
five criteria Growth, Credit quality, Strength, Profitability, and Efficiency/Profitability. The
next stage involved determining the objectives of the study, drafting a questionnaire will be
designed keeping in mind the target audience and objectives of the study. It will non-disguised
in nature and will include a few open-ended questions.

DATA COLLECTIONS

The data from such organization has also been collected.

Primary data

The primary data will be collected through the questionnaire designed. In the process of data
collection we went to the respective bank to get the questionnaire filled. The preparation of the
project report required me to visit HDFC Bank in order to collect data.

Secondary data

The Preparation of the project report also required data from newspapers, like The Economic
Times, Times of India etc.) Books, some website and magazines.
 Conceptual Background

The term loan refers to a type of credit vehicle in which a sum of money is
lent to another party in exchange for future repayment of the value
or principal amount. In many cases, the lender also adds interest or
finance charges to the principal value which the borrower must repay in
addition to the principal balance.
Loans may be for a specific, one-time amount, or they may be available as
an open-ended line of credit up to a specified limit. Loans come in many
different forms including secured, unsecured, commercial, and personal
loans.
A loan is a form of debt incurred by an individual or other entity. The
lender—usually a corporation, financial institution, or government—
advances a sum of money to the borrower. In return, the borrower agrees
to a certain set of terms including any finance charges, interest, repayment
date, and other conditions.
Components of a Loan
There are several important terms that determine the size of a loan and
how quickly the borrower can pay it back:

 Principal: This is the original amount of money that is being

borrowed.

 Loan Term: The amount of time that the borrower has to repay the
loan.
  Interest Rate: The rate at which the amount of money owed
increases, usually expressed in terms of an annual percentage
rate (APR).

 Loan Payments: The amount of money that must be paid every

month or week in order to satisfy the terms of the loan. Based on the
principal, loan term, and interest rate, this can be determined from
an amortization table.

Types of Loans in India

Personal Loan :

Mostly, all banks offer personal loan. . The good thing about personal loans is
that one may spend this money however one likes. This personal loan amount
can be utilised to go on a vacation, purchase Jet Ski or buy a new smartphone.
Credit card Loan – This is meant for users who need money quickly. You may
avail this type of loan from your credit card carrier or any financial institution. .
This is an easy to get credit with very high rates of interest.

Education Loan :

This is a great option to assist college education. Most common loans in this
category have very reasonable interest rates. As full-time college student you
don’t have to payback these loans immediately. However, the same needs to be
paid back once you complete your education and start work.

Mortgage Loan :
These are the largest amount loans one will ever get. When you plan of buying
your first home or some real estate, this loan is the right option. Mortgage loans
are secured by the entity you are purchasing from.

Home loan :

Owners of homes may borrow against equity which they have in their house
with such loans. The loan amount is the difference between the appraised home
value and the amount you owe on the mortgage.

Car loan :

A car loan is nothing but an amount that you as a consumer borrow from the
banks or financial institutions in order to pursue your dream of buying a car. In
return, you pay the approved loan amount at a specified interest rate. A
complete payment to the car dealer is made by the bank and you as a consumer
continue to pay the bank over a period of time together with interest and any
applicable fee.

Two-wheeler loans :

The two-wheeler loan works on the sample principle as the car loan. Two
wheelers being one of the most sought-after commuting options bring about
highly affordable down payment and interest options that make two-wheeler
loan possible for millions in the world. A two-wheeler loan can be availed with
as less as 5 % to 20% down payment amount.
 The Loan Process

The stages that are critical components of Loan Process

1) Pre-Qualification Process

This is the first step in the Loan origination process. At this stage, the potential borrower will receive
a list of items they need to submit to the lender to get a loan. This may include :

 ID Proof / Address proof: Voter ID, AADHAR, PAN CARD

 Current Employment Information including Salary slip
 Credit Score
 Bank statement & Previous Loan Statement
Once this information is submitted to the lending company, Lender reviews the documents and a pre-
approval is made, allowing the borrower to continue in the process to get a loan.

2) Loan Application

This is the second stage of the loan origination process. In this stage, the borrower completes the loan
application. Sometimes this application can be paper-based, but today lenders are shifting towards an
electronic version that makes this stage Paperless. New technologies allow completing the application
online through website & mobile app, and collected data can be tailored to specific loan products.

3) Application Processing
At this stage, the application is received by the credit department and the first step done by the
department is to review it for accuracy, genuine & Completeness. If all the required fields are not
completed, the application will be returned to the borrower or the credit analyst and they will reach
out the borrower to procure the missing information.

Lenders use LOAN ORIGINATION SYSTEM (LOS) to know the creditworthiness of the borrowers.
A good LOS will help a lender setup workflows to process a loan. It can automatically flag files with
missing required fields, return it to the borrowers and notify sales/Credit department to rework.
Depending on the organization & product, exception processing might be a part of this stage.

4) Underwriting Process

When an application is totally completed, the underwriting process begins. Now Lender checks the
application taking a variety of components into account: credit score, risk scores, and many lenders
generate their own unique criteria for scoring that can be unique to their business or industry.
Nowadays, this process is fully automated with the help of a rule engine & API integrations with
Credit scoring engine’s (CIBIL, EXPERIAN etc. ) in LOS. In a rule engine, the lender can load
underwriting guidelines specific to products.

5) Credit Decision

Depending on the results from the underwriting process, an application will be approved, denied or
sent back to the originator for additional information. If certain criteria’s don’t match according to the
rule engine set in the system, there can be an automatic change in the parameters, such as reduced
loan amount or different interest rates.

6) Quality Check

Since lending is highly regulated, the quality check stage of the loan origination process is critical to
lenders. The application is sent to the quality control team, that analyze critical variables against
internal and external rules and regulations. This is the last look at the application before it goes to
funding.

7) Loan Funding
Most loans fund shortly after the loan documents are signed. Second mortgage loans, Business loans,
Loan against property and lines of credit may require additional time for legal and compliance
reasons. LOS can track funding and ensure that all necessary documents are executed before or
together with funding.
 Company profile

1. HDFC Bank

2. Abhyudaya co-op Bank

3. State Bank of India

4. Bank of Maharashtra
 HDFC BANK
We Understand Your World

HDFC
The Housing Development Finance Corporation

COMPANY PROFILE
Housing Development Finance Corporation Limited (HDFC)

 Bank Name HDFC Bank Limited

 Types Public

 Establishment of Bank August 1994

 Financial services Industry

 Headquarter Mumbai, Maharashtra, India

 Chairman Atanu Chakraborty

 Credit card Products

Consumer banking
Commercial banking
Finance and insurance
Investment banking
Mortgage loans
Private banking
Private equity

 Net Income 38,151 crore (India) 2022

$4.8 billion (US)

 Owner Housing Development Finance

Corporation (25.7%)

 Number of Employees 1,20,093

 Website www.hdfcbank.com

HDFC Bank was incorporated in 1994 as a subsidiary of the Housing

Development Finance Corporation, with its registered office in Mumbai, Maharashtra, India.
Its first corporate office and a full-service branch at Sandoz House, Worli were inaugurated
by the then Union Finance Minister, Manmohan Singh.

HDFC Bank Limited is an Indian banking and financial services company

headquartered in Mumbai. It is India's largest private sector bank by assets and world's 10th
largest bank by market capitalisation as of April 2021. It is the third largest company by
market capitalisation of $122.50 billion on the Indian stock exchanges. It is also the 15th
largest employer in India with nearly 1,20,000 employees.

HDFC Bank, the pioneer of the retail-banking movement in India, is one of the
fastest growing and most profitable banks in India with a strong urban presence. The bank,
with a market share of 2.5% has a wide reach across the country with a branch network of
425 branches and 950 ATMs. Strong understanding of the retail sphere (46% of total
advances) and technology initiatives has made the bank the 1st largest private sector bank in
the country. The bank has largely outpaced the sector growth over the last few years, but of
late the growth momentum has been subdued due to competitive reasons.

As of 30 June 2022, the bank's distribution network was at 6,378 branches

across 3,203 cities. It has installed 430,000 POS terminals and issued 23,570,000 debit cards
and 12 million credit cards in FY 2017.It has a base of 1,52,511 permanent employees as of
30 June 2022.
 BOARD OF DIRECTORS

Chairman ATANU CHAKRABORTY

CEO/MANAGING DIRECTOR SASHIDHAR JAGDISHAN

CONTACT US

BANK NAME HDFC BANK LIMITED

ADDRESS BANK HOUSE, DR ANNIE BESANT RD SHIV

SAGAR ESTATE, WORLI, MUMBAI MAHARSHTRA 400018

PHONE NUMBER 022 6846 1208

EMAIL LEA.Communciation@hdfcbank.com
Website www.hdfcbank.com

Bank loan interest list

 Personal loan 10% p.a.

 Home loan 8.60% p.a. onwards

 Car loan 7.95% p.a. onwards

 Mortgage loan 8.75% p.a. onwards

 Educational loan 9.55% - 13.25% p.a.

 COMPANY PROFILE
ABHYUDAYA Co-Op. BANK

 Bank Name ABHYUDAYA Co-Op. BANK

 Types Co-Operative

 Establishment of Bank June 1964

 Financial services Industry

 Headquarter Mumbai, Maharashtra, India

 Chairman Sandeep S. Ghandat

 Products Forex and trade

Mortgages
Demat Services
Internet banking
 Net Income 912.177 million (India) 2012-13

 Number of Employees 1,20,093

 Website www.abhudayabank.co.in
Abhyudaya Co-operative Bank Ltd. Operates as an urban co-operative bank in
India. The company offers various personal banking services, such as saving
bank accounts, current accounts, no frills accounts, any branch banking
services, and ATM services, as well as various deposit schemes, including
saving, current, and term deposit schemes; and business banking services,
which include mobile and Internet banking, NRO/NRE accounts, and foreign
exchange services. Its loan products include personal, housing, education,
mortgage, and vehicle loans, as well as loan against gold ornaments,
loan/secured overdrafts, loans against govt. securities, loan secured overdrafts
against govt. securities, and loans for women entrepreneurs.

The company also provides fax on demand services that consist of statement of
account, latest balance, and inward clearing cheque details services;
telebanking, franking, and lockers services; real time gross settlement services
for customer transaction/remittances; and insurance services. Abhyudaya Co-
operative Bank Ltd. Was founded in1964 and is based in Mumbai, India with
branch locations in Mumbai, Navi Mumbai, Pune, Raigad, Thane, Udupi,
Vadodara, and Ahmedabad, India.
 BOARD OF DIRECTORS

Chairman Sandeep S. Ghandat

CEO/MANAGING DIRECTOR Shri. Premnath S. Salian

CONTACT US

BANK NAME ABHUDAYA Co-Op. BANK

ADDRESS K.K. TOWER ABUDAYA BANK LANE. OFF G D AMBEKAR

MARG, PAREL VILLAGE, MUMBAI, MAHARSHTRA 400 012

PHONE NUMBER 022 24115047

EMAIL secretarial [at]abhyudayabank[dot]net

Website www.ahudayabank.co.in
 Bank loan interest list

 Personal loan 12.50% p.a.

 Home loan 8.10% p.a. onwards

 Car loan 8.50% p.a. onwards

 Mortgage loan 7.5% p.a. onwards

 Educational loan 10% p.a.

 COMPANY PROFILE
State Bank of India

 Bank Name STATE BANK OF INDIA

 Types Public sector

 Establishment of Bank 1 July 1955

 Financial services Industry

 Headquarter State Bank Bhawan, M. C. Road,

Nariman Point Mumbai, Maharashtra, India

 Chairman Dinesh Kumar Khara

 Products Retail Banking

Corporate Banking
Investment Banking
Private Banking
Mortgage Loans
Wealth Management
Credit cards
Finance and Insurance
 Net Income ₹ 43774 crore (2022)

 Number of Employees 245642 (March 2021)

 Website www.sbi.co.in
State Bank of India (SBI) a Fortune 500 company, is an Indian
Multinational, Public Sector Banking and Financial services statutory body
headquartered in Mumbai. The rich heritage and legacy of over 200 years,
accredits SBI as the most trusted Bank by Indians through generations.

SBI, the largest Indian Bank with 1/4th market share, serves over 45 crore
customers through its vast network of over 22,000 branches, 62617
ATMs/ADWMs, 71,968 BC outlets, with an undeterred focus on innovation,
and customer centricity, which stems from the core values of the Bank –
Service, Transparency, Ethics, Politeness and Sustainability.

The Bank has successfully diversified businesses through its various

subsidiaries i.e SBI General Insurance, SBI Life Insurance, SBI Mutual
Fund, SBI Card, etc. It has spread its presence globally and operates across
time zones through 229 offices in 31 foreign countries.

Growing with times, SBI continues to redefine banking in India, as it aims to

offer responsible and sustainable Banking solutions
 BOARD OF DIRECTORS

Chairman Shri. Dinesh Kumar Khara

CEO/MANAGING DIRECTOR Shri. C. S. Shetty

CONTACT US

BANK NAME State Bank of India

ADDRESS State Bank Bhawan, M. C. Road,

Nariman Point Mumbai, Maharashtra, India

PHONE NUMBER 1800 1234

EMAIL customercare@sbi.co.in

Website www.sbi.co.in
 Bank loan interest list

 Personal loan 10.65% p.a. Onwards

 Home loan 8.55% p.a. onwards

 Car loan 7.20% p.a. onwards

 Mortgage loan 11.60% p.a. onwards

 Educational loan 7.95% p.a.

 COMPANY PROFILE
Bank of Maharashtra

 Bank Name BANK OF MAHARASHTRA

 Types Public sector

 Establishment of Bank 16 September 1935

 Financial services Industry

 Headquarter 1501, Lokmangal Shivajinagar

Pune, Maharashtra, India

 Chairman Shri. S. Muhont

 Products Consumer banking

Corporate banking
Finance And Insurance
Private Banking
Mortgage Loans
Wealth Management
Credit cards
Finance and Insurance
 Net Income ₹ 385 crore (2020)

 Number of Employees 13048 (March 2020)

 Website www.bankofmaharashtra.in
Bank of Maharashtra was founded by Prof. V. G. Kale and the late Shri D. K.
Sathe. The bank commenced operations on 8 February, 1936 with an authorized
capital of Rs. 10 Lakhs and issued capital of Rs. 5 Lakhs. The bank got listed in
the BSE in the year 1958. Eleven years hence, the bank was nationalized with
153 other banks. As of 2009, Bank of Maharashtra boasts of operating 1444
branches. 345 ATMs, total business of over Rs. 90.000 crore and 902 CBS
branches. The Bank achieved 100% CBS coverage on 2 March, 2010.

Bank of Maharashtra offers deposit schemes, loans and NRI services. Under
personal banking, the bank offers home loans for building own house and/or
purchasing new house flat (old or new) and/or for repairs/renovation of existing
house.

Commonly known as a common man’s bank. Bank of Maharashtra adopts a

philosophy of “Technology with personal touch”, and follows its motto stating
“One Family, One Bank, Bank of Maharashtra”.

All the branches of Bank of Maharashtra have been fully computerized, with
Depository services and Demat facilities being offered at 131 branches as of
April 2009. The bank aims at increasing its ATM network from 345 to 500
soon, apart from planning to install Biometric ATMs at some selected branches.
Apart from it, introduction of Phone Banking, Internet Banking and Mobile
Banking is also on the cards.

Board of director

Chairman Shri. S. Muhnot

CEO/MANAGING DIRECTOR A. S. Rajeev

CONTACT US

BANK NAME Bank of Maharashtra

ADDRESS 1501, Lokmangal Shivajinagar, Pune

Maharashtra, India

PHONE NUMBER 1800 233 4526

EMAIL customerservice@mahabank.co.in

Website www.bankofmaharashtra.in

Bank loan interest list

 Personal loan 9.25% p.a.

 Home loan 7.30% p.a. onwards

 Car loan 9.50% p.a. onwards

 Mortgage loan 9% p.a. onwards

  Educational loan 8.35% p.a.

OBJECTIVE OF THE STUDY

1. To study different loans provided by the bank.

2. To know the procedures followed by the society while issuing loans and advances.

3. To know the customer opinion with regard loans and advances of the society.

4. To collection of viewpoints of customers.

5. To study the recommendation to increase customer satisfaction level

NEED OF THE STUDY

Loans allow for growth in the overall money supply in an economy and open
up competition by lending to new businesses. The interest and fees from loans
are a primary source of revenue for many banks, as well as some retailers through
the use of credit facilities and credit cards.
 SCOPE OF THE STUDY

1. To understand the concept of Loans.

2. This study is limited to HDFC Bank, Abhyudaya Co-Operative bank, SBI Bank, &Bank of
Maharashtra.

3. In this project we study in detail information about the loan.

4. This project gives idea about loans offer by Bank.

 Conclusion

The Reliability dimension of service quality is better as compared to empathy and

tangibility.The banking industries must continuously measure and improve these
dimensions in order to gain customers loyalty. HDFC Bank is the 1st largest Bank in
India.It's the fastest growing bank in India.

It's India's largest private sector bank by assets and world's 10th largest bank by
market capitalisation. The study at Abhyudaya Co-operative Bank gave a vast learning
experience to me and has helped to enhance my knowledge. During the study I learnt how
the theoretical financial analysis aspects are used in practice during the working capital
finance assessment.

I have realized during my project that a credit analyst must own multi-
disciplinary talents like financial, technical as well as legal know-how. The credit
appraisal for working capital finance system has been devised in a systematic way. There
are clear guidelines on how the credit analyst or lending officer has to analyze a loan
proposal. It includes phase-wise analysis which consists of 5 phases:
Financial statement analysis.
Working capital and its assessment techniques.
Credit risk assessment.
Documentation.
Loan administration.

Based on the study conducted it can be concluded that responsiveness, assurance

and reliability are the critical dimensions of service quality of SBI bank and they are directly
related to overall service quality. The factors that may delight customers tend to be concerned
more with the intangible nature of the service, commitment, attentiveness, friendliness, care,
and courtesy. The employees give prompt services, always are ready to answer the questions
and are trustworthy. The main sources of dissatisfaction appear to be cleanliness, up to date
technology modern equipment’s and neatly dressed up employees. The Tangibility dimension
of service quality of SBI bank is highly disappointing and serious steps are needed to be taken
to enhance this dimension. Customers of the bank are dissatisfied with the empathy
dimension.
 In this study I found that the bond of BOM with its customers is very strong, because
BOM mainly focuses on retaining their customers. This study finds that however BOM is not
the leading public sector bank but its vast range of products and availability of options make
it one of the better banks in Maharashtra.

Questionnaire for ABHYUDAYA CO-OP. BANK

Name :

Qualification :

Age :
a) 18-25
b) 25-35
c) 35-40
d) Above

1. How you can to know about the loan of this bank?

a) Advertisement
b) Internet
c) Referred by friend / family
d) Word of mouth

2. What made you select this bank?

a) Service quality
b) Simple procedure
c) Interest rate

3. Do you like the marketing strategy of the bank?

a) Good
b) Average
c) Poor
4. For which type of loan you have been have taken by these bank?
a) Home loan
b) Car loan
c) Business loan
d) Education loan

5. Are you satisfied by the service of bank?

a) Yes
b) No

6. Is the loan immediately passed?

a) Yes
b) No

7. Have you taken loan before?

a) Yes
b) No

8. How much loan amount you took?

a) Less than 1 lakh
b) 1 – 10 lakh
c) 10 – 20 lakh
d) More than 20 lakh

9. Are you aware of all term’s and conditions of loan?

a) Yes
b) No

10. Do you satisfy with the loan service provided by your bank are best as compare to other bank?
a) Agree
b) Strongly agree
c) Disagree
d) Strongly disagree
ANAXITURE