Progress Report – II

Date Of Joining – 28 May 2019

Name Of The Company – Paisso Technology Pvt. Ltd.(DialaBank)

Reporting Authority – .Ashok Shira(Business Head Gold Loan)

Location – SCO 48-49, 2nd Floor, Sector -9D , Madhya Marg, Chandigarh-160009

Project Assigned – Real Time Gold Loans

I have been appointed as an Intern in gold loan. My work is to call the customer and tell them

basic requirements for gold loan.

During my internship I can prepare the notes related to gold loan .In the Gold loan marketing I

can understand that there are some segment in which the gold loan team can deal and complete

their targets and achieve incentives.

OBJECTIVES OF THE STUDY

 To know about gold loan marketing.

 To improve the efficency of the customer.

 To satisfy the customer need and provides better service.

 To attract customers to purchase gold loan from us.

 RESEARCH METHODOLOGY

Locality of the Study: Chandigarh

Sampling Design:

Random Sampling: I have chosen Random Sampling Technique to collect samples for my data.
I have created a survey in which there was equal chance for each participant to participate and
give its responses for the question. Out of which I picked random responses for my research.

Data Collection

Various Aspects of Survey

 Consumer Behavior
 Consumer awareness about the scheme of gold loan.
 Preferences of the consumer.

Type of data: Quantitative data.

Source of Data: Primary Source

Google survey form is used for data collection.

Statistical Framework: I have used bar charts to show the results of my study.

RESPONSIBILITIES

 To maintain and attract the customer.

 Create a new technology in the market so customer attracts more.

 To maintain the customer lead to the last point.

 To make feel comfortable to customer.

 To do the allocation on daily basic.

 To distribute the leads to my teammates.

 To do the login of customer file on daily basic leads.

 After login the file we need a CRM no.

 DAY WISE PROGRESS

Day 21 and Day 22:

On day 21 my daily work is to work on daily lead and generate the allocation.

On day 22 I can start again call to customer to know about their status.

Day 23 to 30:

During these days between 22 to 30 I can gives the allocation leads to near by banker for

example Delhi banker or pune banker etc.

On the next day the banker meet the customer and collect all the documents related to gold loan.

Day 30 to 35:

On day 30 my banker gives me confirmation about the documents are collected or not.

On the next day after collecting all the documents he can submit these file into bank for process.

After that they check all the criteria that bank have.

Day 35 to 40

On day 35 the “Cibil Score” is checked by bank because through this we can know that customer

is eligible for loan or not.

This also shows that any running loan on their name like home loan,car loan, education loan etc.

On day 40 these process can repeat again because if customer Cibil is less than 720 so banks can

not provide the customer car loan not even personal loan. The CRM can be generated with

company channel name, Channel code. These indicate that the deal can be done by the company.
Day 40 to 45:

During last five days my senior relationship manager assigned a new joining under me whom I

have to teach “How we can deal in Gold Loans”.

Challenges

 I faced challenge in how to convince the customer.

 Daily target completion was also a challenge for me. My manager use to increase my

target on daily basis.

 Reaching the office on time and getting my Biometric attendance done before 09:30 am

was also a challenge for me as I have to travel 24 kms to reach my office location.

 Maintain customer for a long period of time is very difficult for me.

Appreciation Received

I done a disbursal (Deal Closure) of 75 lakhs under the guidance Mr Ashok Shira and

appreciate my work. I earned a good amount of incentive during my internship.

Learning Outcomes

1. Take a learning of how to convince customer .

2. Learned about how to talk to banker and give them deal.

3. And also many more things and appreciation.