Analysis/Comparative Study

of Various Credit Schemes of

SBI and Other Banks

NAME:SHWETA VERMA
(7046)
PGDM(2018-2020)
 introduction
 State Bank of India (SBI) is an Indian multinational, public sector 
banking and financial services statutory body headquartered in 
Mumbai, Maharashtra.
 SBI is ranked 236th in the Fortune Global 500 list of the world's biggest
corporations of 2019.A nationalised bank, it is the largest in India with
a 23% market share by assets and a 25% share of the total loan and
deposits market.
 The Bank is changing outdated front and back end processes to modern
customer friendly processes to help improve the total customer
experience.
 The Bank is also in the process of providing complete payment solution
to its clientele with its ATMs, and other electronic channels such as
Internet banking, debit cards, mobile banking, etc.
 objectives
 To find out the market potential of SBI card.
 Toknow customer‘s perceptions about various
credit schemes of different banks.
 Tocompare the credit schemes of different
banks.
 Tofind out main obstacles while getting finance
under various credit schemes.
Research methodology
 In total, 50respondents were contacted for gathering
data. For the study, Non Probabilistic sampling method
has been used and in that convenience sampling
approach was adopted.
 The questionnaire included basic information of the
respondents and consumer behaviour towards credit
schemes.
 Statistical tool - Mean has been used to analyze the
data.
 ANALYSIS
Awareness level about various credit facilities

• from the graph we

can easily conclude
FREQUENCY

that, there are only

few people who are
not aware of these
credit facilities.
AWARENESS LEVEL
 ANALYSIS
Distribution of Respondents availing the credit facilities
from banks.

• Maximum no. of
frequency

respondents are
availing credit
facilities from SBI
followed by
PNB,UCO,IBOand
others.
Various banks
 ANALYSIS
Awareness level of SBI Card

• A good
awareness level
FREQUENCY

is exist about
SBI cards.

RESPONSE
 ANALYSIS
Sources of information about SBI card

• Most of the
FREQUENCY

respondents gets
information about
SBI card from bank
employees.

Sources
 ANALYSIS
No. of satisfied customers

F
R
E
Q • The graph depicts
U
E that maximum no.
N
C of respondents are
Y
satisfied with
credit schemes.

RESPONSE
 ANALYSIS
Preference of banks on the basis of interest rate

• SBI and PNB are

FREQUENCY

the most preferred

banks in regard of
interest rates.

BANKS
 ANALYSIS
Ranking of banks on the basis of attitude of the employees

• Respondents
appreciate the
attitude of
FREQUENCY

employees of the
SBI, PNB and
IOB.

BANKS
 FINDINGS
 Most of the respondents covered in the survey know about
the SBI card and feel that this facility is beneficial to
them.
 Respondents even require further guidance related to few
things

 According to most of respondents, security and document

requirement are the main obstacles while getting finance
under various credit schemes

 PNB is the fastest service provider. It takes only 15 days to

disburse the sanctioned loans whereas other banks
including SBI takes 40 to 45 days.
 SUGGESTIONS
 All the nationalized banks should try to improve their
service level to face the stiff competition given by private
banks.
 Banks should reduce the time length between sanction
and disbursement of loan.
 SBI should increase the limit under SBI card to fulfill the
growing requirement of the customers.
 Bank employees should bring more professionalism in their
attitude while dealing with customers to retain and
attract more customers.
 Banks should advertise and conduct special awareness
programs to make SBI cards more popular among
customers.
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