A
SUMMAR TRAINING REPORT
ON
“ A Comparative study of Retail Loan
products of Bank of Baroda with competitive & peer bank “
submitted in partial fulfillment for the award of Post Graduate Diploma in Management [2009-2011]
Submitted to:
Submitted by:
Dr. P. K. AGARWAL
AMAN PRAKASH
(Director)
PGDM 3rd Sem. Roll N0. M09004
IIMT PROFESSIONAL COLLEGE, MEERUT
Page 1
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COMPANY CERTIFICATE
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GUIDE CERTIFICATE
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DECLARATION
I, Aman Prakash, student of PGDM , here by declare that project entitled “A Comp Co mpar arat ativ ivee st stud udy y of re reta tail il lo loan an pr prod oduc ucts ts of Ba Bank nk of Ba Baro roda da wi with th competitive & peer bank “
submitted in the partial fulfillment of the degree for
Post Graduate Diploma Diploma in Management to “IIMT Professional Professional College“ College“ is of my own accurate work. I further declare that all the facts and figures furnished in this project report are the outcome of my own intensive research and findings.
Name of student
Aman Prakash
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ACKNOWLEDGEMENT
First of all I would like to express my honest gratitude towards my institute, IIMT Professional College for its Summer Internship Program, in which we are inspired to take such challenging and focused projects. I am thankful to BANK OF BARODA for providing me opportunity to work with their organization and hence helping me to complete my Summer Internship Program. It has been a great time learning new things about Retail loan Industry and acquiring professional professional attitude under the expert guidance of Mr. Manoj Agarwal (Chief Manager)
without whose constant encouragement and ever guiding spirit,
this project would not have been completed at all. I also convey my special thanks to Mr.S.B.Sharma (Sr. Manager) and Mr. R.S. Malik (Manager). I pay my sincere gratitude to all the respondents for giving me their precious time, without their help I would not have been able to complete this project . I want want to give give my geni genial al and and sinc sincer eree than thanks ks to Prof Prof.. P. K. Agar Agarwa wall (Director, IIMT Professional college) . I
would like to sincerely thank to Ms.
Anu Mittal for his valuable suggestion and guidance and making it possible for us
to accomplish the project. Above all, I bow my head before Almighty “GOD” without whose blessing my present project would not have existed and thanks for giving me patience and stre streng ngtth to overc vercom omee the diffi fficult ulties ies, whi which cro crosse ssed my way way in the accomplishment of this endeavor.
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EXECUTIVE SUMMARY
In the present age of business when profit maximization is the prime motive of every individual, individual, Price competitiveness & service quality are the major thrust areas to conquer the market. Initiative, foresight, talent &competence are the imperatives to manage the modern business. The PGDM course inculcates those skills in students, which prepares them to face the challenges of business world. In the midst of the course, summer training in some business organization is arranged for the student that is very essential . Such training gives practical experience and helps the students to view the real business world closely, which in turn widely influences their conception and perceptions. The idea and intention of taking training in the field of banking came up to me because of tremendous changes in banking services. These days presence of banking as service industry for anyone is must and no individual can ignore it. To have an insight on this emerging domain of banks in India and its potential as a career led me to BANK OF BARODA to do my summer project in this field. The summer training becomes more significant when it is done in a reputed & fast growing professionally managed organization like BANK OF BARODA. We were really fortunate to get an opportunity to work with it. The The purp purpos osee of trai traini ning ng was was to prov provid idee prac practi tica call expo exposu sure re of work workin ingg environment, along with learning of operational aspects of Banking Industry and the role managers play in the sectors. The project assigned required a lot of extensive study, as we had too many irons in fire. It gave an exposure, which helped us to get the thorough understanding of fast moving Loan Industry and different market strategies used. We found practical work totally different from the theoretical one.
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CO NTENTS
INDEX Particular
Page No.
Company Certificate
i
Guide Certificate
ii
Declaration
iii
Acknowledgement
iv
Executive Summery
v
Chapter 1 o
Significance of Study
01
o
History of Banking
2-5
o
Introduction of Topic
6-
14 •
Retail Banking
15-
17 •
Retail Loan 20
1 8-
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o
Chapter 2
Research Methodology •
Objective of Research
59
•
Research Methodology
60-
61
o
Comparative Study of Retail Loan
62-
100 Product of BOB with Other Bank
Chapter 3
o
Data Analysis And Interpretation
101-109
o
Findings
110
o
Suggestion
111
o
Limitation
112
Conclusion
113
o
Bibliography
114
Annexure
115-118
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Rising Rising infla inflati tion on is the
main main
factor showing the importance of retail loans in our daily life. In today’s scenario life is moving out on the basis of loans. For each and every small luxurious things retail loans are the best option. To increase the living standard this again plays a significant significant role. Availability of these loans for every small or big segment of people makes it more renowned. In each sector people move easily for these loan facilities. facilities. Flexibility in schemes & rate of interest make it more useful. For higher studies, education loan is like a necessity for middle or low-income groups. And for all these facilities study on retail loans is must. Thus, the topic shows its importance helping others in their livelihood.
The study provides the complete information about all close competitors banks that provide the loan facility.
The study study wil willl also also give give inform informat ation ion about about prospe prospect ctive ive inves investo tors rs bot bothh individual as well as institutional clients in areas of surrey where they can get lead.
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HISTORY OF BANKING IN INDIA
India’s banking system has several outstanding achievements to its credit. An extensive banking network has been established in the last thirty years, and India’s banking system is no longer confined to metropolitan cities and large towns in fact, Indian banks are now spread out into the remote concerns of our country. In terms of branches, India’s banking system is one of the largest; the banks have played in financing economic activities in different sectors. We can identify three distinct phases in the history of banking1. Early Early phase phase from from 1786 1786 to 1969 1969 2. National Nationalizat ization ion of Banks Banks and up to 1991 1991 prior prior to banking banking sector sector reforms reforms 3.
New phase of Indian banking with the advent of Financial & Banking Sector Reforms after 1991 .
NATIONALISATION OF BANKS Despite of scheme of social control there was no significant reorientation of lending activities of banks towards meeting the requirements of priority sector like agric agricult ulture ure.. This This resul resulted ted in nation national alize izedd of 14 major major comme commerci rcial al banks banks wit withh individual deposits exceeding Rs.50 crores in July 1969.
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Elimi Eliminat natio ionn of the the use of bank bank credit credit for specu specula lativ tivee and and unprod unproduc ucti tive ve purpose.
To provide a professional professional bend to bank management and encourage upcoming entrepreneurs.
At the time of nationalization, the 14 major banks had a paid up capital of Rs. 28.50 28.50 crores crores,, advanc advances es Rs.181 Rs.18133 crores crores and 4134 4134 branch branches. es. In other other words words the the nationalized banks accounted for 80% of branches, 83% of deposits and 84% of advances of the whole banking system. The Banks nationalized in 1969 were1.
Allahabad Allahabad Bank
2.
Andhra Bank
8. Indian Bank 9. Indian Overseas
Bank 3.
Bank of Baroda
10. Punjab National
Bank 4.
Bank of India
11. United
Commercial Bank 5.
Canara Bank
12. Union Bank of
India 6.
Central Bank of India
13. Syndicate Bank
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April 1980.With the second national nationalizat ization, ion, The number of public sector banks increased to 28 (1 st nationalization- 14 banks, 2 nd nationalization- 6 banks and SBI and its associate banks).
Over the years with the directional change that has occurred in the banking syste system m and the fact fact that that the banks banks are respon respondin dingg favora favorabl blyy by evolvi evolving ng new strategies and innovative ideas the credit structure of the country has become strong and steady. Recognizing the fact that the banks are vital catalytic agents of growth that provide the basic input of credit, new programs with the social orientation have been designed with a view to assist the society. The name of six banks that were nationalized is shown under: 1. Corporation Bank 2. Oriental Bank of Commerce
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Banking in India
Central bank
Reserve Bank of India · Alla Allahaba habadd Bank Bank ·· Andhra Bank · Bank · Bank of Baroda · Bank of India · Bank of Maharashtra · Cana Ca nara ra Ba Bank nk ·· Central Bank of India · Corporation Bank · Bank · Dena Bank · Bank · Indian Bank · Bank ·
Nationalized banks
India Ind iann Ove Overse rseas as Ban Bank k ·· Or Orie ient ntal al Ba Bank nk of Commerce · Pu Punj njab ab & Si Sind nd Ba Bank nk ·· Punjab National Bank · Bank · Syndicate Bank · Bank · Union Bank of India · United Bank of India · UCO Bank · Bank · Vijaya Bank · Bank ·
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South Regional banks Services
Malabar Gramin Bank National Electronic Electronic Fund Transfer (NEFT) ·
INTRODUCTION TO BANK OF BARODA
Bank of Baroda is a public sector bank established on July 20, 1908. It is one of the largest banks in India and known as India’s International bank. A network of CBS branches, offices and ATMs. Bank of Baroda offers wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and through its subsidiaries and affiliates in the area of investment banking, credit cards and assets management, in its international expansion. Bank of Baroda followed the Indian Diaspora, and especially that of the Gujrates. The bank has received RBI approval to open various offices in the overseas territory. Its products includes loans, Credit cards, Savings, Investment vehicles etc. The Corporate office is situated in Mumbai. Its shares are listed in BSE and NSE. Backe Backedd by th
at vision vision of th foundi foundi
father father Mah
ja Sayaj Sayajira ira
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Act of 1897, with a paid up
capital
of Rs. 20 lacs and Shri Vithaldas Damodar Thackeray as the first Chairman.
In 1918, the Bank crossed the state frontiers by setting up Mumbai Main Office. In the year 1935, Bank became a scheduled Bank. RBI included the Bank in second schedule of RBI and brought under direct control of RBI. At the time of Independence in 1947, Bank of Baroda was a regional bank with 48 branches and at the time of Nationalization in 1969 Bank of Baroda had 433 branches out of which 411 were Domestic and 22 were International. International. Nine banks have merged with Bank of Baroda during its journey so far:
Hind Bank(1958)
New Citizen Bank of India (1961)
Surat Banking Corporation (1963)
Tamil Nadu Central Bank of India (1964)
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onlin onl inee payme payment nt of direc directt
taxes taxes,,
Baroda easy pay and online Railway booking facility. The Bank believed that, in tune with the spirit of “multi-specialist banking”, the product offerings should largely cater to the varied life cycle and life style needs of
different customer groups. In this backdrop a number of new assets and liability products were launched. Adding further to the stream of new wealth management products, the Bank entered into tie-up arrangements with India Info line Ltd. for offering to its customer’s online e-trading facility in equity and derivatives, and with a few few more more glo global bal asset assetss manage managemen mentt compa companie niess for distr distrib ibuti ution on of mut mutua uall fund fund products. Fully aware of its social role, the Bank contributed contributed materially to the cause of the rural development of the country in terms of major initiatives taken in rural and agricultural banking. The Bank identified 500 villages for 100% financial inclusion and adopted many rural areas for their integrated and over all development. BANK’S PROFILE
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with global regulations are aggressively being focused to help the bank achieve its ambitious goals. Bank of Baroda, gearing to leverage the opportunities that the flat world presents and nimbly skirting its threats, is charting a coherent strategy to not just cope but break path and emerge with the winning edge, in the changing global business scenario. BOARD OF DIRECTORS Name
Designation
1. Mr. M.D. Mallya
Chairman & Managing Director
2.Mr. Rajiv Ku Kumar Ba Bakshi
Executive Di Director
3 Mr N S Srinath
Executive Director
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“To
maximize
quality growth and profit through enhanced customer orientation with prudent risk and liq liquidi uidity ty manageme management nt poli policies cies and practic practices es in our endeavor endeavor to consoli consolidate date Bank’s financial strength” MISSION STATEMENT:
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Their new corporate brand identity is much more than a cosmetic change. It is a signal that they recognize and are prepared for new business paradigms in a globalised world. At the same time, they will always stay in touch with their heritage and enduring relationships on which their bank is founded. By adopting a symbol as simple and powerful as the Baroda Sun, They hope to communicate both.
International Presence- Along with a huge network of its branches spread across India, Bank of Baroda has its overseas branches located in 14 other countries, which include Bahamas, Bahrain, Belgium, China, Fiji Islands, Hong Kong, Mauritius, Republic of South Africa, Seychelles, Singapore, Sultanate of Oman, United Arab Emirates, United Kingdom and United States of America. Apart from it, the bank has established its subsidiaries in 7 countries viz. Botswana, Ghana, Guyana, Kenya, Tanzania, Trinidad &
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RESULTS AT GLANCE Results for Q4, 2009-10 (January-March)
Total Income# Interest Income Other Income# Total Expenses Interest Expenses Operating Expenses Operating Profit# Tota Totall Prov Provis isio ions ns (inc (incl. l. Tax prov.)
Q4 (2009-10)
Q4(2008-09)
Change (in %)
5,120.73 4,353.84 766.89 3,573.40 2,608.89 964.51 1,547.33 722.50
4,992.41 4,138.78 853.63 3,687.93 2,667.99 1,019.94 1,304.48 551.79
2.57 5.20 -10.16 -3.11 -2.22 -5.43 18.62 30.94
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To double its global
business size within next 2-3 years
To regain the leadership spot among the public sector Banks in India.
To acquire at least 2 million customers every year.
To double the retail assets and fee based income.
To bring at least 300 to 400 of the top 500 Corporate in the Bank’s Loan book.
To transform the top 500 branches into best of the breed sale and service centers, through improved ambience, processes, people and technology.
To pursue best global practices for delivering best value to the customers.
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To imp improv rovee Return Return
on
Average Assets (ROAA) to 1.25%.
To generate fee income of Rs. 100 crore from Wealth Management Services.
To bring down gross NPA to less than 2% and net NPA to less than 0.50%.
To increase gross profit of the bank (domestic operations) by 40% and net
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Retail Retail banking banking refers refers
to the
banking in which banks undergo transactions directly with consumers, rather than corporations or other banks. It can also be defined as typical mass market banking in which individual customers are local branches of large commercial banks. Services include Savings and checking account, Mortgages, Personal loans, Debit card, Credit card.
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comme commerci rcial al bank bank shifti shifting ng
from from
traditional banking activities to a broad based lending portfolio. RETAIL BANKING IN INDIA Retail Banking in India is not a phenomenon. It has always been prevalent in India in various forms. For the last few years it has become synonymous with main stream banking for many banks.
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The typical products offere offeredd in the retail retail baking baking segmen segmentt are housin housingg loans loans,, consum consumpti ption on loans loans for purchase of durables, auto loans, credit cards and educational loans. The loans are marked under attractive brand names to differentiate the products offered by banks. The loans are marketed under attractive brand names to differentiate the products offered by banks. The loan values typically typically range between Rs. 20,000 to Rs. 1.00 lacs. The loans are generally for duration of five to seven years with housing loan granted
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A Loan is a type of
debt. debt.
It can be described as the act of giving money, property or other material goods to another party in exchange for future repayment of the principal amount along with interest or other finance charges. A borrower may be subject to certain restrictions known as loans covenants under the terms of loan. The terms of standardized loan are formally presented
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A mortgage is a very
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The The key key comp compon onen ents ts of
reta retail il
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Amount of Loan Rate of Interest
Up to Rs. 4.00 lacs
2.00%
below
BPLR
i.e.
10.00%. More than Rs. 4.00 lacs
At BPLR i.e. 12.00%.
BARODA CAREER DEVELOPMENT
Gainfully employed persons intend to pursue higher education, vocational courses, trainings, pilot trainings, skill up gradation, diploma or degree courses offered in aviation, hospitality and travel management, executive development etc. in India / abroad. To help the future management leaders acquire higher specialized managerial skills and dominate the global arena, Bank of Baroda brings Baroda Career Development, a unique loan facility for working persons. ELIGIBILTY OF COURSES:
Graduate, Graduate, Post Graduat Graduate, e, Diploma, Diploma, Professio Professional nal Courses, Courses, Special Specializat ization ion courses courses offered offered by reputed reputed Universi Universitie ties/ s/ Institu Institution tionss (Indian (Indian or Overseas), Overseas), having assured employment prospects,
Skill up gradation courses offered by various institutes (Indian/Overseas), having assured employment prospects,
Courses offered by Hospitality Management Institutes for Skill upgrade/Short course/ Training etc.
Pilot Training Courses, offered by reputed Institutions (Indian or Overseas), approved by Director General of Civil Aviation (DGCA) /International Civil
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STUDENT ELIGIBILTY:
Should be an Indian National.
Have secured admission to the course through entrance test / merit based selection selection process.
MAXIMUM QUANTUM OF LOAN:
Need based finance subject to repaying capacity of applicant, based on present / expected income after completion of the course.
In India: Rs. 10.00 Lacs.
Abroad: Rs. 20 Lacs.
COVERAGE OF EXPENSES:
Tuition Fees, Examination/ Library fee etc. charged by the Institution.
Hostel fees.
Cost of Books, equipments, instruments, etc.
Personal Computers/ Laptops, wherever required.
Any other expenses required to complete the Course viz: Study Tours, Project works, thesis, etc.
MARGIN:
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15%
(A n y
scholarship / assistantship, if received, would not be included in margin). REPAYMENT PERIOD:
Maximum 60 EMIs.
SECURITY:
100% 100% tang tangib ible le coll collat ater eral al secu securi rity ty by way way of mo mort rtga gage ge of prop proper erty ty or assignment of securities NSC, KVP, LIC policy, FDR etc.
Personal guarantee of Father / mother of the applicant or any other person having sufficient worth
INTERST RATE:
0.75% Above BPLR i.e. 12.75%
PROCESSING CHARGES:
0.50% of Loan amount
BARODA AUTO LOAN As we are aware that our Bank was having different products related to Auto Loan sector. These Loan Schemes have been realigned for operational operational convenience under the name “BARODA AUTO LOAN” as below: 1) Baroda Car Loan 2) Baroda Car Loan to HNIs /Corporates 3) Baroda Loan for Two Wheelers
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For purchase purchase of any
new
four wheeler, car, jeep, station wagon etc. and two wheeler for private use. For purchase of second hand car / Two Wheeler ( not more than 3 years old )
ELIGIBILITY: Salari Sal aried ed Emplo Employee yeess / Direc Director torss of privat private, e, Pub Publi licc Limit Limited ed Compan Companies ies,,
Propriet Proprietorshi orshipp /Partners /Partnership hip firms firms and Governme Government nt Employee Employeess / indi individu viduals als,, high salary earners /Businessmen / Professionals.
Prior account relationship not essential. However, statement of account for last
six months should be studied to satisfy that the conduct of the account is satisfactory.
Minimum age – 21 years
Maximum age – •
Salaried: Present age + repayment r epayment period should not exceed retirement age.
•
Others: Present age + repayment period should not exceed 65 years.
Minimum Employment – one year / stable business.
LIMIT
New Vehicle: Rs.15.00 lacs For HNIs/ Corporate: Rs.100 lacs lacs
Old Vehicle: Rs.10.00 lacs,
INCOME CRITERIA:
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For salaried 24 times of monthly income Other than salaried
3
times
of
gross
annual
income
For Two Wheeler: Wheeler: Rs.1.00 lac or 5 times of gross monthly income which ever is lower subject to repayment capacity.
MARGIN: Amount of loan
Up to Rs.15 lac
Above Rs.15 lac
Purpose
Margin
Purchase of new car
15%
Purchase of old vehicle
40%
Purchase of two wheeler
10%
Purchase of new car
20%
INTEREST RATE: BPLR-12% Amount of loan
Up to Rs.15 lacs
ROI
1.50% below BPLR i.e. 10.50%
Above Rs.15 lacs
0.75% below BPLR i.e. 11.25%
Concession of 0.50% in rate of interest will be provided to those who offer
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of our Bank as collateral.
Concession to existing housing loan customers of 0.25%
REPAYMENT:
New Car- 84 EMIs
Second Hand Cars -36 EMIs
Two Wheeler- 60 EMIs
SECURITY:
Bank’s charge to be noted with RTO.
Comprehensive Insurance of vehicle with Bank clause.
PROCESSING & DOCUMENTATION CHARGES:
Car Loans •
Up to Rs.15.00 lacs - 0.75 % Maximum Rs.6000/-
•
Limit Over Rs.15.00 lacs - 0.50 % of loan amount with a maximum of Rs.15000/-
Two Wheeler •
2 % of Loan amount minimum Rs.250/-
INSURANCE:
Comprehensive Insurance of the Vehicle with Bank’s Clause. In case of
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Centre(BCC). However non financial deviations may be considered as per powers delegated.
REASEARCH METHODOLGY
Objective of Research:
To know the repayment procedure of loan from the customers.
The main objective behind this project is to enhance my knowledge regarding
several loan facilities provided by the banks and to compare them on various parameters.
The project was done to correctly examine the schemes and their benefits
according to different segment of people and then to analyze the proceedings.
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Crit Criter eria ia to test test the the
credibility credibility of customers, to know the documents required for financing retail loans.
To know about the monthly installment paid by the customers.
Research Methodology
Population: The study aimed to include the customers of SBI and BOB to make a comparative analysis of different loan schemes of these two banks..
Sample Size: A Sample size of 50 respondents has been taken for the current study because it is not possible to cover the whole universe in the available time period. So it is necessary to take the sample size. In 50 respondents 25 respondents from BOB and 25 from SBI. The sample is the people of age group lying between eighteen to sixty years. The sample was taken in the form of strata based on age, sex, and income group.
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Research
Type
:
Exploratory
Sources of Data: The method adopted to carry on this report was based on both primary and secondary sources.
Primary sources were: •
Through personal interaction with the customers visiting to the bank.
•
Through telephonic interaction.
•
Through interaction with the existing employees.
Secondary sources were: •
By reading manuals of bank.
•
Through websites.
•
Brochures, leaflets
•
Journals
•
Circulars
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COMPARATIVE STUDY: PRODUCTS SELECTED:
Home loan
Education loan
Auto loan.
BANKS COVERED
Public Sector: - State Bank of India & Punjab National Bank
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new dwelling unit.
Purchase
of
old
dwelling
unit(not more than 25 year)
Purchase of plot of land, subject to construction within 3 years.
Reimburse Reimbursement ment for house/f house/flat latss constructed constructed /purchased (not prior to 24 months) from own sources.
Loan for purchase purchase /construc /constructed ted of
second
house
can
be
considered.
Eligibility
All individuals singly or jointly
Minimum age 18 years
Prin Princi cipa pall appl applic ican ants ts mu must st be
Maxi Maxim mum age age limit -70 -70
employed minimum for 3 years
Minimum borrower-21 -21
years
age-Principal years
borrower-18 years
and
Co
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More th than 50000
60%
55% More than 41000
Repayment
Maxi Maximu mum m 25 year yearss (inc (inclu ludi ding ng
moratorium period)
(including
Age of the borrower + repayment period should not exceed
Processing
25
years
moratorium
period) Age of the borrower + repayment
Retirement age in case of salaried period should not exceed 70 years.
65 years in case of others 18 months
Moratorium Period Security
Maximum
Mortgage
constructed/purchased Loan up to Rs 20 Lacs-0.35% on
Charges
of
the
Same Same
property
Loan up to Rs 20 Lacs-
loan amount + service tax
0.25 0.25% % on loan loan amou amount nt +
Loan above Rs 20 lacs -0.40%
service tax
on loan amount (Maximum Rs 15000+Service tax)
Loan above Rs 20 lacs -0.5 -0.500% on loan oan amou amount nt (Maximum
Rs
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insura surannce M/S
Kotak
provi rovidder Mah Mahindra
life
insurance Ltd with a purpose to have have an addi additi tion onal al opti option on to provide life insurance facility to our home loan borrowers
loan,
In case of foreclosure of prop propoorti rtionat nate
exc excess
premium paid shall be refunded by Kot Kotak Mahind hindrra Lif Life Insurance.
Speed
of
Sanction Pre- Payment
Within 6 days
Same
Nil
Nil
Charges INTEREST RATE OF BOB Fixed Rate option
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INTEREST RATE OF SBI Loan Schemes
1st Year
2nd and 3rd year
After 3rd Year
9.00% (p.a.)
9.00% (p.a.)
Floating Interest
Floating Interest
SBI HI-FIVE Loan
8.00% (p.a.)
Rates
Rates
Loan Amount up to Rs. 5
Fixed interest
OR
OR
Lacs
rate
10.50% (p.a.)
10.50% (p.a.)
Fixed Interest
Fixed Interest Rates
Rates 9.00% (p.a.) SBI Easy Home Loan
8.00% (p.a.)
Loan Amount up to Rs. 50
Fixed interest
Lacs
rate
Floating Interest 8.50% (p.a.)
Rate
Fixed Interest Rate
OR
10.50% (p.a.) Fixed Interest Rate 10.00% (p.a.)
SBI Advantage Home Loan Loan Amount Above Rs.
8.00% (p.a.)
9.00% (p.a.)
Fixed interest
Fixed Interest
Floating Interest Rate OR
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Loan for purchase purchase
/constru /constructe ctedd of secon secon
be considered.
Eligibility
All individuals singly or jointly
Principal applicants must be employed minimum for 3 years
Minimum age-Principal borrower-21 years and Co borrower-18 years
Housing loan to HUF is not to be considered Maximum limit-100 lacs Month income(Rs)
Limit Repaying Capacity
Repayment
Total deduct (EMI ratio)
Up to 20000
40%
20000-50000
50%
Greater than 50000
60%
Maximum 25 years (including moratorium period)
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Insurance
insurance of the house house mortgaged to the bank bank is to be done at the bank’s bank’s cost un loan Suraksha Bima policy with
national insurance company Ltd.
accidental insurance of the borrower to cover the outstanding loan amount wi interest at the bank’s cost
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Up toPurchase of plot 20%
Rs.20000/House House/f /fla latt alrea already dy constr construct ucted ed from from own
Above
25%
resources
All other cases
20%
Purchase of plot
20%
House House/f /fla latt alrea already dy constr construct ucted ed from from
20%
Rs.20,000/own resources All other cases
15%
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i.e. 8.50% Over 5 years up to 15 years
Over 15 years up to 25 years
3.25% below BPLR
i.e. 9.25% 2.50% below BPLR
3.00% below BPLR
i.e. 9.50% 2.25% below BPLR
i.e.9.00%
i.e. 9.75%
i.e. 8.75%
INTEREST RATE OF PNB Fixed Rate option Repayment Period
Up to 5 years Over 5 years & up to 10 years
Up to Rs. 20 Lacs
Above Rs. 20 Lacs
9.25% 10 %
10.00% 10.25%
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Basis
of BANK OF BARODA
HDFC
Compariso n Purpose
Purcha Purchasin singg of new resid resident entia iall
house house/f /flat lat and constr construct uctio ionn of new dwelling unit.
Purchase
of
old
house/flat.
dwelling
Constr Construct uctio ionn or purch purchase ase of Purc Pu rcha hase se of hous house/ e/fl flat at on power of attorney basis from
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Limit
be considered Maximum limit-100 lacs.
For Construction/Purchase of house/flat: - 85% of the cost of construction of house.
For
Carrying
out
repairs/renovation/additions/a lterati lterations: ons:-85% -85% of estimate estimatedd cost subject to maximum of Repaymen
t
Maximum Maximum 25 years years (includi (including ng moratorium period)
Age
of
the
borrower
Rs.20 lacs. Loan is to be repaid in EMIs with in a period of 15 years.
+
repa repaym ymen entt peri period od shou should ld not not
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Basis
of BANK OF BARODA
Comparison Purpose
Purchasing of new residential house/flat and construction of new dwelling unit.
Purchase of old dwelling unit(not more than 25 year)
Purchase of plot of land, subject to construction within 3 years.
Reimbursement for house/flats constructed /purchased (not prior to 24 months)
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Insurance
insurance of the house house mortgaged to the the bank is to be done at the the bank’s cost unde
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Aft After
comp compaarin ring
BOB
with other public & private sector banks, It is observed that the extra benefit of the insurance insurance of the house house mortgaged mortgaged to the bank is extended extended by BOB at bank’s cost under Baroda loan Suraksha Bima policy with national insurance company Ltd.
0.25% of concession in rate of interest is provided to the Govt. and preferred organization and such facility is not given by any other bank.
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Basis Comparison Eligibility (In India)
of BANK OF BARODA
Should be Resident Indian.
Secured admission to professional /technical /technical courses in India through Entrance Test/merit based selection
STATE BANK OF INDIA Same
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lacs-collateral in the form orm of a sui suitable ble third hird part partyy guarantee.
Above
Rs
7.5
lacs-co -collateral
security equal to 100% of the loan amou amount nt or suit suitab able le thir thirdd part partyy guarantee
along
with
the
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