Project Report on “A

Comparative Study of
Retail Loans”

 
Udit Kathpalia
Roll No: 109347
Table of Content
 Company Profile
 Objectives
 Market Share
 Education Loan Scheme
 Research Methodology
 Recommendation
 Conclusion
 Limitation
PNB Continues To Be Number
One Among Nationalized Bank In
 Highest net profit- Rs 3905 crore (26.4%)
 Highest operating profit Rs 7326crore (28.8%)
 Highest business Rs 4.36 lakh crore(19.6%)
 Highest CASA Rs 1.02 lac crore (25.0%)
 Highest customer base 5.6 crore
 Largest network more than 5000 branches
Objective of the Study
 To compare the loan scheme of private as well as
public sector banks

 To study the customers’ expectations, behaviors

,responses and preferences for all those schemes

 To access the degree of satisfaction of the consumers

Market Share of Banks
Education Loan
 Eligibility: Indian national secured admission to
professional/technical course
 Margin up to 4 lakhs – nil
above 4 lakhs- studies in India 5%
above 4 lac to 7.5 lac co-obligation of parents
together with collateral security in form of 3rd party
guarantee
Cont.…
 Processing charges: nil if study in India and for
studying abroad its 0.50 or maximum Rs 5000 will be
repay after sanction of loan
 Concession for girl child 0.50%
 Indian Banking Association is regulatory body which
framed education loan policy of banks
Research Methodology
 Primary data :through questionnaire by mail, by
personal interview
Sample size :50
 Secondary data: Newspaper, magazine, journals,
websites
Sampling Plan
 Sampling Technique: Random sampling
 Research Instrument: Structured Questionnaire
 Contact Method: Personal interview
RECOMENDATIONS
 The bank should use easy procedure for the sanction of
loan to the customer
 PNB should ask for their customer feedback to know
whether consumers are satisfied or dissatisfied
 PNB should gave more emphasis on customer
relationship management
 Bank can post a list of services that they can render to
the customer inside the bank premises
 PNB should start “Teen Marketing” concept to lead in
education loan
 The bank should provide a combined booklet of the
product range in order to upgrade the knowledge of
future taking of loans
Conclusion
 32% of the customer have taken loan from SBI and even 24
% has taken from PNB this shows customer prefer public
sector bank for taking loans
 Most of the respondents are planning to take education loan
for Management courses i.e.. 32% and Engineering 28 %
 According to the survey customer demand less
documentation and low interest rate are most important
before taking loan
 According to the survey respondent thinks that PNB
requires too many documents so it’s lagging in particular
area
Limitation of the Study
 Sample size of 50 customers cannot represents whole
universe
 To access such a large number of consumer was
difficult because of non cooperative attitude of
respondents
 Time constraint
 Ignorance and reluctant attitude of costumer was also
a major limitation
 Some respondents tends to give misleading
information