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By Sumeet Punjabi

Roll no : 15

 To asses the banks contribution towards fulfilling the requirements of Borrowers. .  To study the preferences of customers regarding home loans of ICICI and SBI bank. To study different types of home loans provided by ICICI AND SBI Bank.  To study the process involved in sanctioning Home loans to the customers.  To Study the RBI Guidelines For Banks Regarding Customer Complaints On Home Loans.

Sources of data Primary Secondary data data .

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profitable and diversified asset portfolio. the security of mortgage of land and the building to be constructed with the loan. Housing finance offers safe. Muthuram (1999) is of the opinion that housing finance.2000 has given greater thrust to housing and house financing activities. All the banks and institutions are plunging to have their own share in this sector. Housing finance is therefore a mortgage finance. .Naik (1981) is of the opinion that housing loans are usually advanced against. The finance Act of 1999. particularly retail housing finance is acquiring great importance because of government's incentives and stability in prices. P. secured.

People living here are are no where left behind. BANKS here also play a vital role in making people move there life in a satisfied way by providing them facilities like home loans. . Here each and every facility is available in a very good manner. My study is based on home loans provided by the two famous banks in ulhasnagar ICICI and in thane SBI. Ulhasnagar and thane are two places which are the most populated and popular too.

Awareness About traditional types of home loans 56% 54% 52% 50% 48% 46% 44% 42% YES NO .

Awareness about traditional type of Home loans 70% 60% 50% 40% 30% 20% 10% 0% Yes No .

Awareness Of Terms and conditions of Home loans 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% YES NO .

Awareness Of terms and Conditions of Home loans 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% YES NO .

Satisfaction with the interest rate Charged 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% YES NO .

Satisfaction with the interest rate 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% YES NO .

Satisfaction with after loan services 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% YES NO .

Satisfaction with after loan services 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% YES NO .

Satisfaction with the time taken in sanctioning loan 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% YES NO .

Satisfaction with time taken in sanctioning home loan 56% 54% 52% 50% 48% 46% 44% 42% YES NO .

People of SBI are more aware of terms and conditions of home loans as compared to ICICI. . SBI people much know about home loans then ICICI. After home loan services of ICICI is good as compare to SBI. of Respondents of ICICI were 50 and 50 of SBI Bank. People relating with SBI are more satisfied with the interest rate as compared to ICICI as SBI interest rate is low as compared to ICICI Bank. People are more satisfied by ICICI for time taken for sanctioning the loan as compared to SBI.e ICICI and SBI Bank . No. From the survey we can say that people are availing loan facility from both the popular banks i.

If unwavering liability is what suits your profile. Most of the Banks in India have introduced several new home loan products in order to meet the needs of wide variety of Customers. . On the other hand if you can handle risk and willing to go for extra mile to benefit from any other fall in interest rates. then fixed interest rate home loan should be natural choice. floating rate home loans will be best. The various home loan schemes have their different interest rates in the market. The customer can choose those schemes which he feels is good for him and have the capacity to repay it on that specified time period.