PROJECT REPORT ON
“HOME LOAN”
BACHELOR OF COMMERCE (BANKING & INSURANCE) SEMESTER V 2013-2014
SUBMITTED BY: BINDU GULABLAL GUPTA ROLL NO 04
BIRLA COLLEGE OF ARTS, SCIENCE & COMMERCE MURBAD ROAD, KALYAN (W).
UNIVERSITY OF MUMBAI 2013 – 2014 2014
PROJECT REPORT ON
“HOME LOAN”
BACHELOR OF COMMERCE (BANKING AND INSURANCE) SEMESTER V 2013-2014
SUBMITTED IN PARTIAL FULLFILLMENT OF REQUIREMENT FOR THE AWARD OF DEGREE OF BACHELOR OF COMMERCE (BANKING&INSURANCE) STUDIES
BINDU GULABLAL GUPTA
ROLL NO 04
BIRLA COLLEGE OF ARTS, SCIENCE & COMMERCE MURBAD ROAD, KALYAN (W).
BIRLA COLLEGE OF ARTS, SCIENCE, & COMMERCE, KALYAN (Conducted by Kalyan Citizens’ Education Society) (Affiliated by University of Mumbai)
BACHELOR OF BANKING AND INSURANCE CERTIFICATE
THIS IS TO CERTIFY THAT MISS. BINDU GULABLAL GUPTA OF T.Y.B.COM
(BANKING
&
INSURANCE)
(SEMESTER
V)
HAS
SUCCESSFULLY COMPLETED THE PROJECT ON “HOME LOAN”, UNDER THE GUIDANCE OF MISS. RINKY RAJWANI
Project Guide Course Co-ordinator Internal Examiner External Examiner
PRINCIPAL
DECLARATION
I, BINDU GULABLAL GUPTA, student of T.Y.B.Com – Banking & Insurance
semester V (2013-2014) hereby declare that I have completed the project on “HOME LOAN”.
I further declare that the information imparted is true and fair to the best of my knowledge.
SIGNATURE BINDU GULABLAL GUPTA Roll no.04
ACKNOWLEDGEMENT
During the course of this project, I’ve been helped and supported by a lot of people whose names if no t mentioned, would be inconsiderate on my par t. I’d like to thank all of them. I’d like to thanks to the course of co-ordinator Mrs. Anad Dharmadhikari who guided me during the project. I’d like to thank my guide Miss. Rinky Rajwani who guided me throughout and has been a helpful guide. Working under his guidance has been great experience. I’d like to thank to all my friends, relatives who helped me during the project. Most of all, I wish to thank my Mother, father, sister, brother for dealing with me patiently and supporting me whilst I was working on this project.
EXECUTIVE SUMMARY
Over the years, home loan have undertaken several initiatives which have met with unprecedented success and really made people really sit up and take notice of the brand. There are many banks in the market are providing home loan facility with the minimum interest rate, additional features and a competitive price. In this report one major have been undertaken for the study i.e. SBI bank in Public sector Bank. My above study of the attitude of customer of home loan will definitely be useful to those bench markers who are trying to take amongst the best product give a new dimension to further strengthen.
INDEX
CHAPTER
CHAPTER NAME
NO. PREFACE 1
INTRODUCTION
2
FEATURES OF HOME LOAN
3
TYPES OF HOME LOAN
4
PROCESS OF HOME LOAN
PROCEDURE FOLLOWED BY CUSTOMER
PROCEDURE ADOPTED BY BANK
5
IMPORTANT TERMS USED IN HOME LOAN
6
SBI PROFILE
7
SBI HOME LOAN UNIQUE ADVANTAGE
8
DIFFERENT TYPES OF RISK IN HOME LOAN
9
RECENT TRENDS IN HOME LOAN VISIT REPORT CONCLUSION ANNEXURE
PAGE NO.
PREFACE
Home loan is a type of loan which is provided by both public sector bank & private sector bank. Depending upon the needs, customer can choose various types of loan like land purchase loan, home improvement loan, home conversion loan etc. To provide the home loan services, different banks are present in the market. They are adopting different schemes, services, and promotional scheme. In this field, in my research, I have selected leading banks i.e. SBI. Today home loan have very much importance in national development. Its important to develop our own property. It becomes first need of our life.
OBJECTIVES OF THE STUDY
Aims and objectives set forth the conduct this surveys which help to evaluate the findings of the survey are following:
To understand the cost of home loans provided by the bank.
To study that which bank provides batter loan schemes.
To study the home loan scheme by SBI banks.
To study the consumer perception about the home loan of SBI.
RESEARCH METHODOLOGY
Primary Data
The collection of primary data was done by taking interview from bank manager Mrs. Iyer Mythili of SBI Kalyan, Khadakpada branch.
Secondary Data
My secondary data was collected through internet.
