SUMMER REPORT

ON

COMMERCIAL LOANS PROVIDED

BY DIFFERENT BANKS
(WITH SPECIAL REFERENCE TO SBI AND ICICI)

Submitted in Partial fulfillment of requirements

For degree of Master of Business Administration

(SESSION 2017- 2019)

Submitted To: - Submitted By: -

M.D.UNIVERSITY NAVEEN
I.M.S.A.R, Rohtak Roll No.-126

INSTITUTE OF MANAGEMENT STUDIES AND

RESEARCH.
(AFFLIATED TO MAHARISHI DAYANAND UNIVERSITY ROHTAK.)
 CERTIFICATE

I hereby forward this report of NAVEEN student of The Institute of Management

Studies and Research on the Topic ‘COMMERCIAL LOANS PROVIDED BY
DIFFERENT BANKS (with special reference to SBI and ICICI)’ undertaken for the
partial fulfillment of Master of Business Administration (MBA) .

PROJECT GUIDE

TANISHA

ROHTAK CITY
 DECLARATION

I NAVEEN, Roll No 126, Class MBA 2ND Sem. of the I.M.S.A.R, (ROHTAK)

here by declare that the project entitled “A DISSERSATION ON COMMERCIAL

LOAN PROVIDED BY DIFFERENT BANKS” is an original work and the same has

not been submitted to any other institute for the award of any other degree. The

project report was presented to the Supervisor on TANISHA and the pre-submission

presentation was made on MS. NIKITA .The feasible suggestions have been duly

incorporated in consultation with the Supervisor.

Countersigned

Signature of the Supervisor Signature of the Candidate

ACKNOWLEDGEMENT
 It gives me immense pleasure to present this report a written testimony of a very
rewarding practical experience .I have undergone .I must utilize this opportunity to
express my gratitude to all those who helped me in making this project work a success.

I am greatly in debited to MS. TANISHA for taking great pains in giving me

guidance.

(NAVEEN )
OBJECTIVE OF STUDY
 OBJECTIVE OF STUDY

1 To know the industrial development financial schemes provided by SBI and I.C.I.C.I

2 To know the effectiveness of industrial financial scheme provided by scheme

3 To learn about the responses provided by the people.

4 To make suggestions with regard to modify and develop the type of schemes provided
by state bank of India and I.C.I.C.I
 INTORDUCTION TO COMMERCIAL LOAN

There are many financial institutes which are providing many loans and provides
many financial schemes in which commercial loans play very important role. Financial
schemes development involves raising the socio economic status o the population on
sustainable bails through optimum utilization of resources, both human and society.

The essence of financial schemes like commercial loan is to make life easy people have
many dreams regarding there comfort, but for that sometime they don’t have enough
money. Then these banks help them to come out from the problem.

Commercial loans are of two types, they are given for either manufacturing purpose
or trading purpose but both types of loan is income generated it is also called business
loan. It is given for the setup of the industry and for the growth and development of the
country. Human needs can be fulfilled by these types of loan. This concept is very
comprehensive and multidimensional in nature.

Loan advanced to a business instead of to a consumer. Commercial loans are usually for
a short-term (from 30 days to one year), secured (backed by a collateral) or unsecured,
and are often advanced for financing equipment, machinery, or inventory. Banks usually
require the commercial borrowers to submit monthly and annual financial statements, and
to maintain insurance cover on the financed item.
 OBJECTIVES OF COMMERCIAL LOAN

1. To know the Changing the attitude of people towards commercial loan

2. To generate income through trading and manufacturing

3. Promotion of industries and democratic leadership at the grass roots level

by setting up local community

4. Provision of basic needs and providing employment to various people

with earning profit

5. Improving the infrastructural facilities in village urban areas etc

 APPROACHES TO LOAN

India is predominantly a rural country and Financial schemes development involves

raising the socio economic status o the population on sustainable bails through optimum
utilization of resources, both human and society. but prospects of commercial loan share
founded everywhere no matter in rural or urban estate attitude of people must be
optimistic some approaches that are being followed by banks providing commercial loans
are as follows

1. INDIVIDUAL APPROACH

though many development programmed were initiated during per independence period
but in 1980s development of many industries was come into existence for that many
people was taken money from various banks the individual approach behind this that one
individual took initiative this approach was helped in creating infrastructure for business
development.

2. COMPREHENSIVE APPROACH

this is the approach which is known for the community development this is the major
milestone towards commercial loans. it was quite board and comprehensive in nature it
covered all the facts providing employment training social welfare education etc.

3. INSTITUTIONAL APPROACH

Commercial loans come inexistence with the objective to generate income it follow
institutional approach because it wants adequate participation of people

4. INTENSIVE APPROACH

Approach was intensive because all the loans follow the aspects of improvement
essential for rapid increase in commercialization or business growth

5. TARGET GROUP APPROACH

In this type of approach banks target those people who really interested to generate
income and who have prospects to earn profit it ensure the benefits of development reach
directly to the people work in there firm
6. AREA DEVELOPMENT APPROACH

one of the most popular objective is area development by giving this type of
commercial loan it is insured that there should be development of area where firm or
manufacturing or trading are being done
HISTORICAL BACK GROUND OF BANKS
PROVIDING COMMERCIAL LOANS
In the eighties it may be recalled that there was industrial revolution people will come
forward to setup organization they took initiative to setup firms many entrepreneurs come
forward and took initiative for them these type of banks were very helpful and they help
them by providing commercial loans.

With minimum interest charges and to give them benefits of establishing any firm
.lots of people were and also in present scenario are taking benefits of commercial loans.
The reserve bank of India who come into existence in 1935 acquired a supervisory and
development role in department of banking operations and development. the banking
sector witnessed the process consolidation for the first time the number of banking
companies achieved success drastically now days.

there was drastically change in mid nineties before establishing rural banking
commercial banking and cooperative banking was there the objective behind setting up
this type of banks providing commercial loans was to generate income and to help in the
growth of countries economy.
 Scope of the study:-
Following are the scope of India

 FOR THE MANAGEMENT

Management want to knows where the banks stands

 FOR THE RESEARCHERS

They understands the nature of the competition and environment condition of

the company

 FOR THE INSTITUTE

To gain a fame and increase placement

The banking sector in India has overgrown diversified and overstretched like
many of the sprawling big cities in India it has tried to accommodate all
types of banking activities especially after the industrial revolution. major
slice banking was acquired by the state in its attempts to cover the
commanding heights of the economy.

there was drastically change in mid nineties before establishing rural

banking commercial banking and cooperative banking was there the
objective behind setting up this type of banks providing commercial loans
was to generate income and to help in the growth of countries economy.

It is the public sector bank if we talk about state bank of India who is the
largest bank known for providing loans in various areas commercial loans
are one of them besides this many private banking are also come into
existence to provide many loans here we will discuss commercial loans
only .
ROLE OF BANKING PROVIDING COMMERCIAL
LOANS

The banking sector in India has overgrown diversified and overstretched like many of
the sprawling big cities in India it has tried to accommodate all types of banking activities
especially after the industrial revolution. major slice banking was acquired by the state in
its attempts to cover the commanding heights of the economy.

It is the public sector bank if we talk about state bank of India who is the largest bank
known for providing loans in various areas commercial loans are one of them besides this
many private banking are also come into existence to provide many loans here we will
discuss commercial loans only .
 Limitation of study

1. The study has been done only over a short period of time and only one cities of
Haryana was dealt in survey so it does not represent the view of whole Indian
Organization

2. The research is based on collected data and the researcher is not responsible for any
wrong inference drawn due to the incorrect filling of the questionnaire by the
respondents.

3. It is very small research, which may be insufficient to give the real picture, only 100
due to shortage of time & sources so it doesn’t present whole area.

4. The method of result is also limited to the reliability of method of investigations,

measurement and analysis of data.

5. The survey was based on questionnaire and questionnaire was based on perception. So
Responses of the respondents can be influenced by personal biasness
 THE CURRENT STATUS OF COMMERCIAL
LOANS
The banking sector in India’s has become an agglomerate of banks big and small
public and private old and new viable and non viable. There are remarkable diversities in
there sizes of organizational pattern geographical presence and functional specialization
.till recently there was classification of scheduled banks based on capital base.

There are regional banks also there who help people to take loans. They are operating
exclusively in the various area including rural area opposite to them there are many new
banks also functioning only in the urban and metropolitan centers

In terms of size on one extreme there is also private sector banks there is omnipresent
banks also like state bank of India with over 9000 bravely on the other extreme I.C.I.C.I
is the private sector bank providing commercial loans

The Indian banking sector therefore as a storage combination of traditional and

modern procedure policies and personnel.
PROFILE OF STATE
BANK OF INDIA
HISTORY:-

SBICI Bank is a wholly owned subsidiary of India's premier banking and financial
services group, State Bank of India, and functions as. a Private Sector Bank with high
quality standards. Our Bank has been awarded ISO-9002 quality systems certification for
the Bank as a whole, covering all its products and services at all locations - a unique
distinction for any Indian bank.

We are a customer-focused technology-driven Bank offering the whole array of financial

products and services. Rendering personalized service and striving towards building an
enduring relationship of trust and confidence with our valued customers is our motto.

Being small in size, we are a lean and flat organization able to respond to all your needs
quickly and efficiently. At the same time, being part of India's largest Banking group, we
enjoy tremendous reach both nationally and internationally and bring to you the
professionalism, expertise, experience, ethical standards and best practices of our Group
(honed over almost the last 200 years) along with the warm feeling of security and safety
that only a leader like SBI Group (with 13,000 branches in India and 52 offices in 34
countries all around the Globe) can provide.

IN SHORT, WE OFFER YOU THE BEST OF BOTH WORLDS.

If you would like to know more about us or have any matter which
needs our personal attention, Please fill in our feedback form, we will get back to you at
the earliest..

PROFILE OF STATE BANK OF INDIA

State bank of India is the largest bank in terms of profits, assets, deposits and
employees. it has a network of over 9000 branches in India and 51 foreign offices in 52
countries, the bank command about 1/5th of the total deposits and loans in all scheduled
commercial banks in the country.

The origin of S.B.I dates to 1806 when the bank of Calcutta later called bank of Bengal
was established in 1921, the bank of Bengal and other banks were amalgamated to form
the empirical bank of India.

The state bank of India is the largest commercial bank in India in terms of profits,
assets, deposits, branches and employees.

About 46% of the banks branches are located in rural areas 27% in semi urban areas,
and 6% and 11% are located in urban and metropolitan are as respectively.

SBIs funding profile is strong underpinned by its strong

retail deposits funding base. while the banks facing increasing competition in its
metropolitan and urban franchise its extensively branch network and dominant presence
in rural and semi urban branches would held it in good stead SBIs strong franchise gives
 it access to a steady source of stable retail funds which constitute over 70% of the total
resources as on 2004

The bank has pioneered innovative measures and contributed significantly to the
growth of Indian economy.

Corporate Set Up:-

Corporate Set Up
Composition of Board of Directors

Non – Executive Part – Time Chairman Shri M.M. Lateef

Managing Director & Chief Executive Officer Shri G.B.S. Wadhwa

Directors Shri A.P.Verma

Smt. Soundara Kumar
Shri Jiban Goswami
Shri P.R.V. Raghavan

SPECIAL FEATURES OF STATE

BANK OF INDIA
1 There schemes meet the customer varied needs.

2 Nominal services processing charges.

3 Loan at competitive rates.

4 Interest charges on reducing balance only instead of annual balance.

5 Interest is compounded quarterly risk.

6 No penalty for repayment of loans.

 The large size of the dominant market position of the bank has helped it to build up a
loan portfolio which is well diversified across industries as well as region thus cushioning
the impact of problems in certain industries moreover the increased focus on its top
clients and the size of relation ship banking approach subsequent to the formation of the
corporate accounting groups (CAG) has helped the bank in retaining its top clients and
also increasing them share of business from them.

Important declarations :

The Bank declares and undertakes

 To provide in a professional manner, efficient, courteous, diligent and speedy

services in the matter of retail lending.
 Not to discriminate on the basis of religion, caste, sex, descent or any of them.
 To be fair and honest in advertisement and marketing of Loan Products.
 To provide customers with accurate and timely disclosure of terms, costs, rights
and liabilities as regards loan transactions.
 If sought, to provide such assistance or advice to customers in contracting loans.
 To attempt in good faith to resolve any disputes or differences with customers by
setting up complaint redressal cells within the organization.

 To comply with all the regulatory requirements in good faith.

 To spread general awareness about potential risks in contracting loans and
encourage customers to take independent financial advice and not act only on
representations from banks.

Account Practices :
 a. The Bank would provide regular statement of accounts, unless not found
necessary by the customers.
b. The Bank would notify relevant due dates for application of agreed interest, penal
interest, default interest, and 'charges' if they are not mentioned in the Loan
applications, documents or correspondance.
c. The Bank would notify, before implementation, any change in accounting
practices which would affect the customer.

Information Secrecy :
a. All personal information of the customer would be confidential and would not be
disclosed to any third party unless agreed to by the customer. The term 'Third
party' excludes all Law enforcement agencies, Credit Information Bureau,
Reserve Bank of India, other banks / financial and lending institutions.
b. Subject to above para, customer information would be revealed only under the
following circumstances :

 If our Bank is compelled by law

 If it is in the Public Interest to reveal the information
 If the interest of the Bank require disclosure.

Financial Distress :
a. The Bank would sympathetically reckon cases of customer's financial distress.
b. Customers would be encouraged to inform about their financial distress as soon as
possible.
c. The Bank would adequately train the operational staff to give patient hearing to
the Customers in financial distress and would try to render such help as may be
possible in their view.

Grievances Redressal :
a. The Bank would have a Grievance Redressal Cell / Department / Centre within or
outside the organisation.
b. The Bank would make available all details, namely :
> Where a complaint can be made
> How a complaint should be made
> When to expect a reply
> Whom to approach for redressal of grievances etc.,
to the customers individually on demand and through the media listed in Para
3.2.1.
c. Response to a complaint, whether positive or negative or requiring more time for
redressal, would generally be given within a maximum period of four weeks from
the date of receipt of complaint, unless the nature of complaint is such that
requires verification of voluminous facts and figures.
 Structure of Grievance Redressal Mechanism

Redressal Official Area of Jurisdiction Review by

General Manager of All cases related to both the Managing Director of the
theBank. Branches, viz., Nariman Point Bank.
Branch and Lokhandwalla
Complex Branch.

FAIR PRACTICES

Product Information :

a. A prospective customer would be given all the necessary information adequately

explaining the range of loan products available with the Bank to suit his/her
needs.
b. On exercise of choice, the customer would be given the relevant information
about the loan product of choice.
c. The Customer would be explained the processes involved till sanction and
disbursement of loan and would be informed of time-frame within which all the
processes will be completed ordinarily at our Bank.
d. The Customer would be informed of the names and phone numbers of branches
and the persons whom he can contact for the purpose of loan to suit his needs.
e. The Customer would be informed the procedure involved in servicing and closure
of the loan taken.
PROFILE OF I.C.I.C.I
 PROFILE OF I.C.I.C.I

ICICI Bank Limited provides banking products and financial services to corporate and
retail customers primarily in India. It offers a range of products and services in the areas
of commercial banking, investment banking, and insurance.

The company’s deposit products include time deposits, savings accounts, current
accounts, payroll accounts, and accounts for small businesses, nonresident Indian
accounts, and certificates of deposit.

The company’s loan portfolio comprises home loans, automobile loans, two wheeler
loans, commercial vehicle loans, construction equipment and farm equipment loans,
personal loans, credit cards, loans against time deposits, loans against shares, leasing and
related loans, consumer loans, project and corporate finance, and venture capital finance.

It also offers private banking, debit cards, and agricultural financing products, as well as
distributes third party investment products and issues unsecured redeemable bonds.
Further, the company has interests in the software development, software services,
insurance, and business process outsourcing businesses.
ICICI Bank operates a network of approximately 573 branches and 2,000 automated
teller machines. It also has operations in the United States, the United Kingdom, Canada,
Russia, Singapore, Bahrain, the Peoples’ Republic of China, the United Arab Emirates,
South Africa, Sri Lanka, and Bangladesh. ICICI Bank was founded in 1955 and is
headquartered in Mumbai, India

BENEFITS OF I.C.I.C.I

1 No mortgage no security

2 faster sanction.

3 lesser documentation.

4 one stop solution with a bouquet of products.

5 The loan provided in the form of overdrafts letter of credit or bank guarantee and you
can borrow up to maximum of rs 25 lacs

6 attractive finance charge floating interest rate

7 flexible payment schedule part payment pre payment.

PROBLEMS FACED BY
BANKS
 PROBLEMS FACED BY BANKS

1 the Indian socio economic scene is still feudal in nature largely still in the midst of
illiteracy besides this the Indian psyche is deeply entwined with the cultural ethos.

2 Compounding to this is the problem of non payment of loans.

3 Banks may not find operations economical as sometimes the transaction and follow up
costs are more than the amount of credit.

4 the procedures involved in availing bank finance sometimes delay the actual receipt of
the funds the money if receipt of the funds the money if received late may be of no use to
the borrower the next time finance is required he will approach a source that guarantee
timely delivery of money usually local moneylenders.
 RESEARCH METHODOLOGY

A careful investigation or enquire specially through search for a new

facts in any branch of knowledge. To understand market share of public and
private banks & its satisfaction level by providing services.
Explanatory design is one in which secondary data survey of selected
individual and case studies are undertaken. The research was carried out
sample size of 200 respondents and area covered through the whole Rohtak
city through survey. research is a systemic and objective process of
gathering recording and analyzing data for aid of making decision regarding
a particular problem.
1. Problem Definition: - A Dissertation On Commercial Loans Provided By
Different Banks

2. RESEARCH DESIGN

The research design is a master plan specifying the methods and procedures for
collecting and analyzing the needed information the research design of my dissertation is

DESCRIPTIVE RESEARCH

Descriptive research includes surveys and facts findings inquiries of different kinds.

3. SOURCE OF DATA COLLECTION:-

1) Primary data

2) Secondary data

PRIMARY DATA:- Primary data is collected by the way of questionnaire prepared on

general public in the city this primary data survey us to get the first hand information and
to know their psychology

SECONDARY DATA:- Secondary data consist of various Journal, magazines, books,

newspaper and periodic and automobile websites. The article of newspaper and magazine
helped a lot to know or to understand the current situation

4. Tools for data collection

The main tools for data collection in structure questionnaire for

specified objectives.

1. Graphs
2. Charts
3. tables

5. RESEARCH INSTRUMENTS

QUESTIONNAIRE

6. SAMPLE DESIGN
 o target population people of industries
o sample size 100 people
o sampling technique convenience and judgmental sampling area Rohtak city

7. Analysis and interpretation

1. Analysis the data using statistical tools.

2. Tablets the data.
3. Interpret the data and influence.
4. Summary and conclusion.

8. Conclusion and Presentation.

1. Arrange the research result according to an approved reporting form.

2. Get report typed and bound.
3. Present the copy to concerned authority.

REVIEW OF THE EXISTING LITERATURE

THE CURRENT STATUS OF COMMERCIAL LOANS:- the banking sector in

India’s has become an agglomerate of banks big and small public and private old and new
viable and non viable. there are remarkable diversities in there sizes of organizational
pattern geographical presence and functional specialization .till recently there was
classification of scheduled banks based on capital base . there are regional banks also
there who help people to take loans. they are operating exclusively in the various area
including rural area opposite to them there are many new banks also functioning only in
the urban and metropolitan centers

In terms of size on one extreme there is also private sector banks there is omnipresent
banks also like state bank of India with over 9000 bravely on the other extreme I.C.I.C.I
is the private sector bank providing commercial loans
 The Indian banking sector therefore as a storage combination of traditional and
modern procedure policies and personnel.

INDUSTRIAL DEVELOPMENT A TASK :- Yes it is truly said that industrial

growth and to improve economy of India is great task for that there is lots of hard work
has to done for the setup of industry one must need money as well as infrastructure for
the development of business or firm or any organization people takes loan from banks
these loans are given for commercial purpose to generate income either from trading or
manufacturing etc.

industrial growth is a complex process . it can therefore achieved only through

concentrated efforts on various front. It is rightly said it seems that of major weak links in
the rural development planning are absence of total approach at the strategy level lack of
coordinated planning at the programmed level and weak planning components of
individual programmers.

commercial loans programming or business is not successful without adequate

regional planning strong central coordination effective local organization and people
active participation at the planning and implementation stage.

Industrial development can be possible if only there is proper balance between service
oriented programmed and development oriented programmed and self centered
programmed . The importance attached to service oriented schemes besides this , has also
resulted in the wastage of precious resources.

O.1 which channel do you prefer

Bank 60%
Personal 25%
Private 15%
Interpretation: - mostly preference towards bank loan is there

Q2. What is your occupation?

businessman 45%
traders 32%
 contracer 18%
Any other 15%

Interpretation: - commercial loan mainly taken by businessmans and by

traders.

Q3. Have u taken any commercial loan or plan for it in future

Yes 60%

No 40%
Interpretation: - persons who in business, already they have taken loan

Q4. If yes then which bank u will prefer

ICICI 25%
PNB 18%
SBI 38%
HDFC 16%
Other 3%
 Interpretation: - mostly preference is there towards SBI bank because
of large no of branches and nationalized banks but today’s customers
are considering other private options.

Q5. How did u come to know about schemes?

from relative 30%

Banks employee 20%
Advertisement 40%
any Other 10%
 Interpretation: - advertisement play very important role for spreading
the information

Q6. On which Basis you choose it

Rate of interest 42%

EMI 25%
Total Amt. 31%
any Other 2%
Interpretation: - although all factors are considered but interest rate is
main factor.

Q7. For which purpose you are taking commercial loans

Manufacturing 22%
Traders 28%
Establishment of new firms 42%
Other 8%

Interpretation: - at the time establishment, there is huge requirement of

commercial loan.

Q8. What factors influence you to go for the scheme?

Easy availability 55%

Reliability 35%

Any other 10%

Interpretation: - availability of loan always play important role.

Q9. Are you satisfy with the scheme availed by you ?

 Yes 70%

No 30%

Interpretation: - most of are satisfied with policy and scheme which are
offered by banks.

Q.10 In your view interest rate is?

 High 60%

Moderate 25%

Low 15%

Interpretation: - most of persons says that there should be some

reduction in interest rate because it has acute pressure on your pocket
as well as on the profit makig.
Q.11 Which bank providing the better services?

ICICI 32%
PNB 18%
SBI 30%
HDFC 17%
Other 3%

Interpretation: - mostly person prefer the ICICI bank SBI bank because
of their services.
Q.12 Are you getting tax benefit?

Yes 85%
No 15%

Interpretation: - most of persons try to get loan because of need as well

as for tax benefits purpose.
Q.13 what type of security is accepted by the corporation?

Fixed Assets 45%

Personal Gurantee 20%

Both 35%

Interpretation: - in all most of cases banks commanded the fixed assets

for taking as collateral sequirty.
Q.14 is collateral security required?

Yes 80%
No 20%

Interpretation: - without collateral security it is not possible to take loan

except having more reputation.
 SUGGESTIONS
* These banks make a periodic review of commercial loan to evaluate, identification,
formulation, release and use of funds.

* Bank should also try to make procedures more simplified for people

* The should try to see from time to time that application submitted to banks under
commercial loan are dealt promptly

* Invest more in marketing activates so as to impart knowledge among peoples regarding

the availability to the commercial loan

* To make procedure transparent enough so as to avoid any fraud and obtaining people
confidence

* Developing a strong infrastructure and transport

 CONCLUSION

After going through my whole study I came to the conclusion that different
banks of India either private or public both provides loan. With the objective to
generate income. They have many financial schemes regarding commercial load.
There are many people who are satisfies with the scheme. The procedure of getting
loan from these banks are simple and easy and also costumer friendly. I also come to
know that many industrialist, traders, and new entrepreneur were aware of these
schemes.
 BIBLIOGRAPHY

Books

o Kothari C.R., “Research Methodology”, New Age International

Publication, New Delhi, 2nd Edition (2004)
o Kotler Philip, “Marketing Management”, Prentice Hall of India Pvt. Ltd.,
New Delhi, 11th Ed (2000).
o Saxena & Rajan, “Marketing Management”, Tata Mc-Graw Hill
Publication Co.Ltd.,New Delhi, 2002 Edition.

Websites

o www.sbi.com
o www.icici.com
o www.hdfc.com
o www.google.com

o www.yahoo.com
 Questionnaire

Dear respondent,
I am conducting the survey on “A Dissertation on commercial loans
provide by different banks” which is a part of M.B.A. Program. All the
information provided by you will be kept secret & will be used exclusively
for academic purpose.
Name ________________________
Address ______________________
Sex: Male Female
Income: _____________________

Q. 1 which channels do you prefers?

(a) Bank (b) Personal
(c) Private Institution

Q.2 what is your occupation?

(a) Business man (b) Traders
(c) Contractor (d) Other

Q.3 Have you taken any commercial loan or plan for it in future?
(a) Yes (b) No
Q.4 If yes then which bank you will prefer?
(a) ICICI (b) PNB
(c) SBI (d) HDFC
(e) Other

Q.5 how did you come to know about scheme from?

(a) Relative (b) Bank Employee
(c) Advertisement (d) Other

Q.6 On which Basis you choose it?

(a) Rate of Int. (b) EMI
(c) Total Amount (d) Other

Q.7 for which purpose you are taking commercial loan?

(a) Manufacturing (b) Trading
(c) Establishment (d) Other

Q.8 what factors influence you to go for the scheme?

(a) Easy Availability (b) Reliability
(c ) Any other

Q.9 Are you satisfying with the scheme availed by you?

(a) Yes (b) No

Q.10 In your view interest rate is?

(a) High (b) Moderate
 (c) Low
Q.11 Which bank providing the better services?
(a) ICICI (b) SBI
(c) HDFC (d) PNB
(e) Other

Q.12 Are you getting tax benefit?

(a) Yes (b) No

Q.13 what type of security is accepted by the corporation?

(a) Fixed Assets (b) Personal
(c) Both Guarantee

Q.14 is collateral security required?

(a) Yes (b) No

Thank you for your co-operation