Project S.V

VEHICLE LOAN OF SUZUKI ACCESS 125 ( TWO WHEELER)
INDEX
Modules PARTICULARS PAGE NO

INTRODUCTION 1-09
01
1.1 Types of vehicle loan
1.2 Objectives of a loan
1.3 Steps to take a two-wheeler loan
1.4 Two-wheeler loans and their benefits
1.5 Report scope
02 PROFILE OF THE COMPANY 10-25
2.1 History of the Suzuki access 125

2.2 Specifications of Suzuki access 125
2.3 Features of Suzuki access 125
2.4 Customer satisfaction of
Suzuki access 125
2.5 Marketing of Suzuki Access 125
2.6 Profile of Suzuki access 125
03 RESEARCH AND METHODOLOGY 26-36
3.1 Objectives
3.2 Hypotheses
3.3 Scope of the study
3.4 Significance of study
3.5 Selection of the problem
3.6 Sample Size
3.7 Data Collection
3.8 Technics And Tools to be used
04 DATA ANALYSIS, AND 37-50

INTERPRETATION
4.1 Satisfied with service from the

showroom
4.2 Price of Suzuki access 125
4.3 Customer Awareness About the
scooter brand
4.4 Last five years balance sheet
4.5 Swot Analyses
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05 FINDINGS, SUGGESTIONS AND 51-56

CONCLUSION
5.1 Findings
5.2 Suggestions
5.3 Conclusion
Annexure 57
Bibliography 58
2
MODULE:-1
INTRODUCTION
➢ 1.1 Types of vehicle loan

➢ 1.2 Objectives of a Loan
➢ 1.3 Steps to Take a two-wheeler Loan
➢ 1.4 Two-wheeler loans and their benefits
➢ 1.5 Report Scope
3
INTRODUCTION: -
VEHICLE LOAN OF SUZUKI ACCESS 125 (TWO-WHEELER)

Bike loan is financial Assistance Taken to purchase a car with Minimal Initial
payment from your own pocket. the Borrowed Money from the Lender Can Be Repaid
in Equal Monthly Instalments over a period of time with an Agreed Rate of Interest
Normally Car/Bike loans Are Secured with the vehicle it-self that is Being Bought.
MEANING:-
A car / Bike loan is Secured Against the Vehicle you intend to purchase, which Means
the Vehicle serves As Collateral for the loan.
1.1 TYPES OF VEHICLE LOAN:-

* New Car loan
* Used Car loan
* Commercial vehicle loan
* Two wheeler loan
* Tractor loan
* NEW CAR LOAN: -
This option loan is Available for people who want of buy a Brand New Car the loan
Can Be taken to Buy Any Car Model from Any Maker. You will have To Pay an Interest
of 9-14% per year over a period of one-Seven Years.
* USED CAR LOAN: -
Not the Truth Is that not every-one can Afford to Buy a New Car Even with a loan. The
good News is that you Can Always purchase A used car with the help of used Car loan
Most Lenders will finance up to 85% of the car's price, you will Need to pay a yearly
Interest of 12-18.
* COMMERCIAL VEHICLE LOAN: -
A Business organization or an Individual, owns A Day Business that Require Cars Can
opt for a Commercial Vehicle loan this kind of loan comes with a 10-15% Interest Rate
that you will house to pay Yearly over a period of six Months To Five years.
* TWO WHEELER LOAN:-
If you Are a Bike Enthusiast then the Two-wheeler loan will help you get-one. The loan
for Two Wheeler Come with a yearly Interest Rate 11-18% on the Amount paid for the
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Bike you have to Be At least 18 of Age to Available of the Loan However, some
Lenders Requires a Minimum Age of 21 Years.
* TRACTOR LOAN:-
The Tractor loan is Available for people or organization which have a regular Source
of Income from Any Agricultural Activity It is Also Available for people who Want to
Rent Tractor a Business The Tractor loan is Available for a Yearly Interest of 12% on
The loan Amount You Have to pay A monthly Interest for Five Years to complete the
payments.
1.2 OBJECTIVES OF A LOANS:-
ELIGIBILITY FOR A TWO-WHEELER LOAN:-
Bank Ask for a Minimum Age of 21 years when you Apply for a Two wheeler Loan
You Must Repay The loans. Before the Age of 60 Years. Banks Allow you to Repay
the loan Before 65 Years if you Are self Employed. Have a payable Job at Least one
year, Before Applying for the loan it would help of You Resided for at the current
Residence for a Minimum of One Year.
Have a good civil score of Around 700-760 Before Applying for the loan your Banks
May specify a minimum income RS72000 to RS 1.5 lakh a year. It Varies Across Banks
and Financial Instructions.
DOCUMENTS FOR A TWO WHEELER LOAN:-
Banks and Financial Institutions Ask for certain Documents to process your loan
Application you Must Present self Attested Copy a of the PAN Card As Identity proof
The self Attested Copy of the passport or Voter ID is a valid proof of Address keep
your salary slips & Bank Statements for the past three months your Bank would Ask
for a Copy of the latest Income Tax Return [I.T.R) Have a get of passport size
photographs And Remember to fill the Application Form.
FEATURES OF TWO WHEELER LOANS:-
* Many banks finance up to 90-96% of the cost of the two wheeler, must arrange the
remaining amount and make the down payment.
* banks charge an interest rate ranging from m 9.5-17% per Annum.
*You must repay the two-wheeler loan within 5 years.
* check the processing charges before availing the two wheeler loan. In ranges from
0.25% to 5% of the loan amount banks specify minimum & maximum limit for the fees.
* you can avail per approved two wheeler loans if you are an Existing customer of the
bank.
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*check if your bank offers special EMI schemes for Easy Repayment.
* Banks offer an Impressive 0.5% Discount for Female Customers.
* Your Bank May have a Direct tie-up with a dealer.
* You Can Apply for the Two wheeler loan online with Minimum Documentation.
1.3 STEPS TO TAKE A TWO WHEELER LOAN :-
STEP 1:-
pick the Bank (or) NBFC where you plan to Avail the Two-wheeler loan look for An
online Option when the Bank, sends an Executive to Your Door Step.
STEP 2:-
Check your Eligibility Before Applying for the two wheeler loan get an Idea on the
Documentation, Before Approaching the Bank for the loan.
STEP 3:-
you Must calculate the Two wheeler loan EMI Using An online Two wheeler loan,
Calculator. It helps get an idea on the EMI you are likely to pay Your EMI Depends on
the loan Amount Interest Rate and tenure.
STEP 4:-
Submit your essential documents like identify address proof and banks statements the
bank checks if everything is in order and decides if you are eligible for the loan the loan
amount gets credited to your bank account.
ADVANTAGES OF A TWO WHEELER LOAN:-

*You have the freedom to choose the motorcycle. Banks main finance the total cost of
your two wheeler on road price.
*Keep your money for an emergency instead of spending cash on a bike. take a two
wheeler loan under repay through easy installments over sometime.
*You can build a good credit score with the timely repayment of the loan.it helps you
avail better rates on future loans.
*Banks sanction the two wheeler loan even if you have a lower income.
*The bank charger CA lesson interest rate when compared to a personal loan.
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*You get a tax benefit on availing a loan for your electric scooter from a financial
institution.it is a tax deduction up to 1.5 lakhs a year on the interest under section 80
EEB of the income tax act.
1.4 TWO WHEELER LOANS AND THEIR BENEFITS:-
In Indian two wheeler industries is one of the largest industries in the world. This is
because purchasing a two wheeler is the most convenient and affordable way to
commute. The rural population depends on two wheelers because of the convenience.
1. Lower down payment

2. longer loan duration
3. Quick and easy processing
4. Affordable interest rates
5. Pre payment facility
1.LOWER DOWN PAYMENT:-
Lenders fund up to 80% of the cost of the motorcycle. This reduce your down payment,
which is the amount you need to pay from your own resources while processing the
bike.
2.LONGER LOAN DURATION:-
Financial institutions offer such loans for a period of 12 to 36 months. The longer loan
duration ensure you do not face problems while repaying the loan amount.
3.QUICK AND EASY PROCESSING:-
If you are between 21-58 years of age, you may apply for a two wheelers loan lenders
require basic documents such as residential, income and photo identify proof the entire
procedure from loan application to approval is quick and easy, lenders of an process
your loan within 2 days of receiving your application.
4.AFFORDABLE INTEREST RATES:-
The interest rates on motorcycle loans are not very high. The affordable rate make it
easier for you to pay the equated monthly installments (EMI).
5.PRE PAYMENT FACILITY:-
If you receiving a lump sum during the duration of the loan, you may repay the
borrowed amount before the loan tenure ends. Most lenders provides such facilities at
a nominal-pre-closer rate. it is important you check this charges before you prepay the
loan this will ensure you do not pay more than a reasonable amount while repaying the
Borrowed amount.
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DISADVANTAGES OF CAR/BIKE LOAN:-

When it comes to the pit falls of vehicle finance, their are a few things you should look
out for. Your aware of this potential disadvantages you can try to avoid them or at least
limit the risk.
1. Paying interest.
2. Risk of losing the vehicle.
3. Potentially tighter budget.
4. Mileage limit.
5. Insurance and liability cover.
1.PAYING INTEREST:-
With pretty much any type of loan you'll be expect to pay interest. This means you'll be
paying above the retail value, though of course, you do get the benefit of spreading the
cost of the car/Bike. The actual interest rate you're offered will generally depend on the
lender, as well as your personal credit history. so to get the lowest interest rates, You’ll
need to try and increase your credit score before signing the loan agreement.
2. RISK OF LOSING THE VEHICLE:-
As Car/bike finance is a type of secured loan, it you you're unable to keep the
repayments. You do have the risk of the vehicle being repossessed. Defaulting on the
agreement will typically in the lender will look for other ways to reclaim the loan value.
Though it is important to bear in mind that for many people, car financing is the only
way a vehicle Within their budget-they can't simply but one out right overall with a car
loan you have to make sure you can comfortably offered the monthly installments or
risk losing the vehicle.
3. POTENTIALLY A TIGHTER BUDGET:-
Making monthly car/bike finance payments main stretch your budget if you dint have
a lot of disposable income left after making these payments, along with your usual
expenses, and unexpected cost could put you in a tricky situation. For example if you
are boiler where to break and need replacing you may have to make lots of cutbacks, or
considered taking out more credit. so it's important to think carefully about want short
of vehicle you can offer to take out and finance, and your maximum monthly payments.
4. MILEAGE LIMIT:-
Most car finance agreements come with a mileage limit which can be anything from
around 10000 to approximately 30000.miles you will be able to discuss this with your
finance provider before the agreement is finalized. Mileage limits wont effect everyone-
It will depend on how many long journeys you to take in a year.
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5.INSURANCE AND LIABILITY COVER:-
When you finance vehicle there's a good chance that it will be a newer model, and will
be there for have a high value. This can mean that your insurance premium will be
higher. You may also be expected to take out additional liability cover, so that the lender
can ensure their assets are protected if you want to avoid these extra costs it may be a
good idea to get a second hand vehicle on finance, instated of a new car.
KEY TARGET AUDIENCE:-
Two wheeler manufacturers, distributors and other stakeholders Banks and NBFCs
Government bodies such as regulating authorities and policy makers Organizations,
forums and alliances related to two wheeler loan Market research and consulting firms
The study is useful in providing answers to several critical questions that are important
for the industry stakeholders such as service providers, end users, etc., besides allowing
them in strategizing investments and capitalizing on market opportunities.
1.5 REPORT SCOPE:-

In this report, India two wheeler loan market has been segmented into following
categories, in addition to the industry trends which have also been detailed below:
•MARKET, BY TYPE:-
*New Two Wheeler
*Used Two Wheeler
•MARKET, BY SOURCE:-
*Bank
*Non Banking Financial Company (NBFC)
•MARKET, BY PERCENTAGE OF AMOUNT SANCTIONED:-

*Up to 25%
*26-50%
*51-75%
*Above 75%
•MARKET, BY TENURE:-
*Less than 3 year
*3-5 Year
•MARKET, BY REGION:-
*North Region
*South Region
*East Region
*West Region
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MODULE:2
PROFILE OF THE COMPANY
➢ 2.1 History of the Suzuki access 125

➢ 2.2 Specifications of Suzuki access 125
➢ 2.3 Features of Suzuki access 125
➢ 2.4 Customer satisfaction of Suzuki access 125
➢ 2.5 Marketing of Suzuki access 125
➢ 2.6 Profile of Suzuki access 125
10
INTRODUCTION: PROFILE OF THE SUZUKI ACCESS 125

This article discusses the history of scooters manufactured by Suzuki in India.
Suzuki motor corporation, a motorcycle giant in Japan as introduced bikes and scooters
in the Indian market.
The access 125 is Suzuki motorcycle India's first star performer in the Rapidly growing
automatic scooter segment.in a way access 125 saved the way for Suzuki's first firm
foot hold in the highly competitive scooter market.
2.1 HISTORY OF THE SUZUKI ACCESS 125:-

Suzuki Motor Corporation (SMC),one of the global giant of motorcycle
manufacturing, is headquartered in Japan. It holds major stake in its Indian subsidiary,
Suzuki Motorcycle India Private Limited (SMIL). SMIL was set up after Suzuki's re-
entry into the Indian two-wheeler market after it severed ties with partner TVS in 2000-
01. Suzuki was then the technology provider in the erstwhile joint venture company
TVS Suzuki.
Suzuki manufacturers a complete range of motorcycles as well as small combustion

powered engine products. A global giant ,it has its productions units in more than 22
countries.
Suzuki begin manufacturing motor cycles in 1952.during the 1950's 1960's and the
better part of the 1970's the company made motorcycle with two stroke engines. Suzuki
introduced its first motorcycle with a four stroke engine, the GS 400 and GS 750,in
1976.their After Suzuki established a reputation as a manufacture of well engineering
sport motorcycles.in India the major scooters products launched by the SMIIL at the
Suzuki access 125 and the Suzuki swish 125.
Suzuki Motorcycle India Pvt Ltd. engages in manufacturing two wheelers. The
company's products include motorcycles and scooters. It offers its products through a
network of dealers. The company was incorporated in 1997 and is based in Gurgaon,
India. Suzuki Motorcycle India Pvt., Ltd. operates as the subsidiary of Suzuki Motor
Corp.
Suzuki Motorcycle India Pvt Ltd (SMIPL) is the latest entry into the already crowded
Indian two-wheeler segment with players like Hero Honda, Bajaj Auto, Honda, and
TVS. SMIPL have started their Indian operations with a 125-cc mass-market
motorcycle. It has made an initial investment of Rs. 200 crores to start their Indian
operations.
The parent company happens to be one of the largest manufacturers of two wheelers in
the world with more than 20 lakh bikes sold per annum. They are popular for their range
of high performance road machines, lightweight super bikes, dirt bikes, street bikes,
and motocross and fun bikes globally.
11
INDIAN TWO WHEELER HISTORY

India is the second largest manufacturer and producer of two-wheelers in the world.
It stands next only to Japan and China in terms of the number of two wheelers produced
and domestic sales respectively. The Indian two-wheeler industry made a small
beginning in the early 50s when Automobile Products of India (API) started
manufacturing scooters in the country. Until 1958, API and Enfield were the sole
producers.
In 1948, Bajaj Auto began trading in imported Vespa scooters and three wheelers.
Finally, in 1960, it set up a shop to manufacture them in technical collaboration with
Piaggio of Italy. The agreement expired in 1971. In the initial stages, API dominated
the scooter segment; Bajaj Auto later overtook it. Although various government and
private enterprises entered the fray for scooters, the only new player that has lasted till
today is LML.
Under the regulated regime, foreign companies were not allowed to operate in India. It
was a complete seller market with the waiting period for getting a scooter from Bajaj
Auto being as high as 12 years. The motorcycles segment was no different, with only
three manufacturers viz Enfield, Ideal Jawa and Escorts. While Enfield bullet was a
four-stroke bike, Jawa and the Rajdoot were two-stroke bikes. Enfield 350cc bikes and
Escorts 175cc bike initially dominated the motorcycle segment.
The two-wheeler market was opened to foreign competition in the mid-80s. And then
market leaders - Escorts and Enfield - were caught unaware by the onslaught of the
100cc bikes of the four Indo-Japanese joint ventures. With the availability of fuel-
efficient low power bikes, demand swelled, resulting in Hero Honda then the only
producer of four stroke bikes (100cc category), gaining a top slot.
The first Japanese motorcycles were introduced in the early eighties. TVS Suzuki and
Hero Honda brought in the first two-stroke and four-stroke engine motorcycles
respectively. These two players initially started with assembly of CKD kits, and later
on progressed to indigenous manufacturing. In the 90s the major growth for motorcycle
segment was brought in by Japanese motorcycles, which grew at a rate of nearly 25%
CAGR in the last five years. The industry had a smooth ride in the 50s, 60s and 70s
when the Government prohibited new entries and strictly controlled capacity expansion.
The industry saw a sudden growth in the 80s.
It was in the year 1954 that the Indian government ordered for total number of 800
motorcycles to man the Pakistani borders. In came the Bullets which were initially
launched in England as a 350cc bike and it was upgraded to 500cc a year or so later.
These bikes have remained unaltered, barring some cosmetic changes which have
undergone over the years. Thus one can say without much of a doubt that the 1955
Bullet was one of the initial hits of the Indian two-wheeler industry and till today it
continues to be a darling of the motorcycle enthusiasts.
Enfield Bullet had a close competition with another sturdy bike named Rajdoot; as the
bike was strong enough to handle the rough Indian roads. The company had roped in
Indian Heman Dharmendra for the promotion of the bike. With more than 1.6 million
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vehicles on the road the Rajdoot motorcycle was one of the initial hits of the earlier
years of two-wheeler history in the country.
When heavy motorcycles were the order of the day, a relatively lighter bike had caught
on the imagination of the Indian two wheeler user. Ind- Suzuki bike launched by the
then TVS Suzuki group was an instant hit; however the bike could not sustain it's initial
success due to the high import content in the vehicle and less of localization.
In scooters Bajaj Chetak has been hugely responsible for adding momentum to the
transport system of the country, till today it remains one of the most successful brands
to have come out of the Bajaj stable. The scooter is named after the horse of legendary
Rana Pratap Singh. These sets of two wheels have become a part of the Indian milieu
and are often considered a representative of the Indian middle class aspiration. Very
few two-wheelers have been able to emulate the success, which Bajaj Chetak has
achieved over the years.
Similarly LML Motors enjoyed a reasonable success with the launch of LML Select
which came with new age technology and improved performance.
The industry witnessed a steady growth of 14% leading to a peak volume of 1.9mn
vehicles in 1990. The entry of Kinetic Honda in mid-eighties with In 1990, the entire
automobile industry saw a drastic fall in demand. This resulted in a decline of 15% in
1991 and 8% in 1992, resulting in a production loss of 0.4mn vehicles. Barring Hero
Honda, all the major producers suffered from recession in FY93 and FY94. Hero Honda
showed a marginal decline in 1992. The reasons for recession in the sector were the
incessant rise in fuel prices, high input costs and reduced purchasing power due to
significant rise in general price level and credit crunch in consumer financing. Factors
like increased production in 1992, due to new entrants coupled with the recession in the
industry resulted in company either reporting losses or a fall in profits.
SUZUKI MOTORCYCLES INDIA HISTORY

Suzuki Motorcycle India Pvt,Ltd. engages in manufacturing two wheelers. The
company's products include motorcycles and scooters. It offers its products through a
network of dealers. The company was incorporated in 1997 and is based in Gurgaon,
India. Suzuki Motorcycle India Pvt., Ltd. operates as the subsidiary of Suzuki Motor
Corp.
Suzuki Motor Corporation (SMC), a global giant of motorcycle manufacturing is

headquartered in Japan. It holds major stake in its Indian subsidiary, Suzuki Motorcycle
India Private Limited (SMIL). SMIL was set up after Suzuki's re-entry into the Indian
two-wheeler market after it severed ties with partner TVS in 2000-01. Suzuki was then
the technology provider in the erstwhile joint venture company TVS Suzuki.
Suzuki Motorcycle India Pvt Ltd (SMIPL) is the latest entry into the already crowded
Indian two-wheeler segment with players like Hero Honda, Bajaj Auto, Honda, and
TVS. SMIPL have started their Indian operations with a 125-cc mass-market
13
motorcycle. It has made an initial investment of Rs. 200 crores to start their Indian
operations.
Company sources have revealed that Suzuki would follow up this 125cc bike with a
high performance 150-cc sibling sometime next year. And for the budget segment,
another 100cc bike is expected in the first quarter of 2006. Mass market is the initial
aim with plans to enter all the segments rapidly. They have their facilities located in
Gurgaon.
Suzuki had launched bike by Diwali, which is the auspicious time for buying a new
vehicle in Indian families. Their setup in Gurgaon has the capabilities of manufacturing
one lakh motorcycles and they are ready to step that up massively if the situation arises.
They already have setup 40 dealerships around the country and are going to establish
4,000-5,000 sq. Ft showroom and service stations to provide services to the customers.
The parent company happens to be one of the largest manufacturers of two wheelers in
the world with more than 20 lakh bikes sold per annum. They are popular for their range
of high performance road machines, lightweight super bikes, dirt bikes, street bikes,
and motocross and fun bikes globally.
CUSTOMER SATISFACTION IN 7 STEPS:-

It's a well known fact that no business can exist without customers. In the business
of Website design, it's important to work closely with your customers to make sure the
site or system you create for them is as close to their requirements as you can manage.
Because it's critical that you form a close working relationship with your client,
customer service is of vital importance. What follows are a selection of tips that will
make your clients feel valued, wanted and loved.
1. ENCOURAGE FACE-TO-FACE DEALINGS:-
This is the most daunting and downright scary part of interacting with a customer. If
you're not used to this sort of thing it can be a pretty nerve wracking experience. Rest
assured, though, it does get easier over time. It's important to meet your customers face
to face at least once or even twice during the course of a project. Suzuki believes that
if a potential client spends over half the meeting doing the talking, you're well on your
way to a sale. In SMPIL always face to face dealing with customer
2. RESPOND TO MESSAGES PROMPTLY & KEEP YOUR CLIENTS

INFORMED:-
This goes without saying really. We all know how annoying it is to wait message and
you'll contact them about it as soon as possible. Even if days for a response to an email
or phone call. It might not always be practical to deal with all customers' queries within
the space of a few hours, but at least email or call them back and let them know you've
received their you're not able to solve a problem right away, let the customer know
you're working on it. Suzuki always listen customer problem and solve his queries and
always have communication with customer.
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3. BE FRIENDLY AND APPROACHABLE:-
It's very important to be friendly, courteous and to make your clients feel like you're
their friend and you're there to help them out. There will be times when you want to
beat your clients over the head repeatedly with a blunt object - it happens to all of us.
It's vital that you keep a clear head, respond to your clients' wishes as best you can, and
at all times remain polite and courteous. In Suzuki showroom all workers are trained
and well behave with customer. Suzuki showroom's staff very friendly with clients.
4. HAVE A CLEARLY-DEFINED CUSTOMER SERVICE POLICY:-
This may not be too important when you're just starting out, but a clearly defined
customer service policy is going to save you a lot of time and effort in the long run. If
a customer has a problem, what should they do? If the first option doesn't work, then
what? Should they contact different people for billing and technical enquiries? If they're
not satisfied with any aspect of your customer service, who should they tell?
There's nothing more annoying for a client than being passed from person to person, or
not knowing who to turn to. Making sure they know exactly what to do at each stage of
their enquiry should be of utmost importance. So make sure your customer service
policy is present on your site -- and anywhere else it may be useful.
In Suzuki all terms & conditions are clearly mentioned so that no doubt in customer
mind
5. ATTENTION TO DETAIL (ALSO KNOWN AS 'THE LITTLE NICETIES'):
Have you ever received a Happy Birthday email or card from a company you were a
client of? Have you ever had a personalized sign-up confirmation email for a service
that you could tell was typed from scratch? These little niceties can be time consuming
and aren't always cost effective, but remember to do them.
Even if it's as small as sending a Happy Holidays email to all your customers, it's
something. It shows you care; it shows there are real people on the other end of that
screen or telephone; and most importantly, it makes the customer feel welcomed,
wanted and valued. Suzuki has keep detail of all customers and make them happy on
specific occasion.
6. ANTICIPATE YOUR CLIENT'S NEEDS & GO OUT OF YOUR WAY TO

HELP THEM OUT:-
Sometimes this is easier said than done! However, achieving this supreme level of
understanding with your clients will do wonders for your working relationship.
Suzuki always tries to know about customer needs and make the product according to
them.
7. HONOUR YOUR PROMISES:-

It's possible this is the most important point in this article. The simple message: when
you promise something, deliver. The most common example here is project delivery
dates. Clients don't like to be disappointed. Sometimes, something may not get done,
or you might miss a deadline through no fault of your own. Projects can be late,
technology can fail and sub-contractors don't always deliver on time.
15
2.2 Specifications of Suzuki access 125
Engine Four stroke single cylinder

124cc
maximum power 8.58bhp@7000RPM
maximum Torque 10.2nm@5000RPM
Fuel system carburetor
Start system Kick and electric
Transmission Type CVT
Front Break Drum/Disk
Rear Break Drum
Tyre size(front) 90-90-12-Tubeless
Tyre size(Rear) 90-100-10-Tubeless
Front Suspension telescopic
Rear Suspension Swingarm
Overall length 1870mm
Overall Width 655mm
Overall Height 1160mm
Wheels Base 1265mm
Seat Height 780mm
Fuel Capacity 5.6Liters
Kerb Weight 102kg
Wheels Steel/Alloy
feature & styling 4.0/05
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DATE OF LAUNCH:- SEPTEMBER 18,2007.
Suzuki announce there foray into the scooter segment by introducing the access
125 also this was companies first 125 cc scooter worldwide.
Suzuki launched Suzuki access 125 special edition on October 4 2013,which comes
with few cosmetic upgrades and available only in pearl Mirage white color.
Special edition based on the access 125 now available in 2018 and is currently sold as
regular products along with its normal siblings, special edition is available in white,
silver, Matty black and Matty red colour special edition is having round chrome mirrors
leather seats black alloy wheels and combined breaking system and mobile charging
socket.
HIGHLIGHTS OF SUZUKI ACCESS 125:-
The Suzuki access 125 is a premium scooter from Suzuki which has its name implies
features a 125 cc motor at the time of its launched the access 125 dominated the 125 cc
market the access 125 is a retro themed scooter which gets an option of this breaks and
alloy wheels to further and Enhance the look.
2.3 FEATURES OF SUZUKI ACCESS 125:-

The Suzuki access 125 new model comes powered with a Suzuki eco performance
engine for better fuel efficiency as for the cluster, and analogue speedometer is
accompanied by small digital display, which shows the fuel gauge, clock, multiple trips
and odometer. as for the electricals, the head lamp comes powered by LED's while the
Taillamp makes do with conventional Halogen bulbs.
MILEAGE OF SUZUKI ACCESS 125:-
Suzuki access 125 average 50 km per liter as report reported by bike owners the ARAI
mileage of this bike 60 km/l. fuel tank capacity of this bike is 5.6 liters.
BENEFITS OF SUZUKI ACCESS 125:-
*Retains its performance.

*One of the most refined scooter in India.
*Superb ride quality.
*External fuel filter cap is not exactly convenient.
*Breaks could have been better.
*Design fields dated.
NON-BENEFITS OF SUZUKI ACCESS 125:-
Cons lightweight poor quality and after sale service boot space the headlights intensity
is low compared to other scooters so take extra lighting with you while driving after
evening.
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2.4 CUSTOMER SATISFACTION OF SUZUKI ACCESS 125:-
NEED TO UNDERSTAND CUSTOMER:-
Understanding customer is the key to giving them good service. to give good customer
care you must driver what you promise but great customer care involves getting to
Know your customer so well that you can anticipate their needs and exceed there
expectations.
To understand your customer well, you need to be attractive to them whenever you are
in contact with them. the potential rewards are great. you can increase customers loyalty
and bring in new business through positive word of mouth recommendation.
SIX STEPS TO UNDERSTAND CUSTOMER NEED:-
*Listen to your customers.

*Empathize with customers.
*Offer free product demonstrations.
*Learn about your competitors.
*Give customers options.
*Reassure customers that your services will meet their expectations.
Conduct customer satisfaction survey and you will make your customer feel valued.
You will also gain valuable insights but don't ask for feedback if you are not prepared
to make changes when you do make improvements, tell your customers what you have
done as a result of their feedback.
ADVANTAGES OF SUZUKI ACCESS 125:-

The Suzuki access motor was better smooth as is but the addition of fuel injection
makes it runs smoother then before and it now response almost instantaneously to the
smallest of throughly input. superb ride quality. It is safe to say the Suzuki access 125
suspension set up is one of the best in market.
DISADVANTAGES OF SUZUKI ACCESS 125 OVER HONDA

ACTIVA ARE:-
1. Honda Activa 4G is nearly RS 1000 cheaper than Suzuki access.
2. Honda Activa 4G is lighter than Suzuki access by around 5 kg.
3. Honda Activa 4G comes with Honda patent combi brake system or CBS this is absent
in Suzuki access 125.
4. Honda Activa 4G has better resale value over the Suzuki.
18
DIFFERENCE BETWEEN SUZUKI ACCESS 125 AND OTHERS:-

*The ex showroom price of Honda Activa 125 is RS 76,248 and access 125 is RS 75033.
*Honda Activa 125 is available in 6 colours and three variants Suzuki access 125 is
available in 5 colours 0 variants.
*A part from prices, you can also find comparison of these bikes based on displacement
mileage, performance. and many more parameters.
SUZUKI ACCESS 125 USER REVIEWS:-4.0/05:-
performance 4.2/05
mileage 3.8/05
comfort 4.3/05
maintenance cost 3.8/05
*The style of scooter not much impressive, I am waiting for the how the market
responds but main key is priced comparative with Honda activa and mileage.
*Suzuki is globally known for quality, value for money & customer satisfaction. They
have taken care of every aspect. It's a family vehicle. Have style, comfort, safety, space
& price I am sure will be at par with competition.
*I am very much impressed by the looks, style of Access. It is likely to be much dearer
than Activa.
*Suzuki-Access-125. Its looks very nice I am sure price of scooter will be defiantly
competitive with Honda-Activa.
*I have liked the scooter. It is what I had expected to own. I am impressed with the
finish, style and quality..
User reviews Suzuki Access 125 worth buying?
Best pickup ride quality and all is very good Best scooter in its class, with not a single
problem, and maintenance this is a very true review. Best pickup ride quality and all is
very good......For the last 2 years, there is not a single problem and not a single part has
gone so take this scooter.
19
2.5 MARKETING OF SUZUKI ACCESS 125:

Suzuki scooter sales grow by 48% in April to October 2021 period.
Suzuki India put on a strong performance between April and October 2021. this despite
tepid Times in the first seven months of financial year 2022 that has seen just above 5%
year on Year growth.
Sales Rose by 48% during this period. compared to the same period last year. in terms
of numbers, that's 337817 units clearly Suzuki is doing something right in difficult
market. this strong performance. not surprisingly, sees Suzuki it's scooter market share
by 4% points to 14% the access 125 is the company's best seller.
HIGHLIGHTS:-
1. 2016 Suzuki Access 125 will be sold alongside older model
2. New 125cc engine with SEP technology
3. New design elements with optional front disk brake
The Access 125 is Suzuki Motorcycle India's first star performer in the rapidly growing
automatic scooter segment. In a way, the Access 125 paved the way for Suzuki's first
firm foothold in the highly competitive scooter market. A peppy engine, universally
acceptable looks and decent fuel economy got it quite a fan following.
However, it's been a few years since the Access 125 was first launched in 2007. A
special edition Suzuki Access 125 with some cosmetic changes was also introduced in
2013. But Suzuki's scooter sales were lackluster over the past year, and sales of both
125cc scooters - the Suzuki Access and the Suzuki Swish - saw a decline. So now, in
2016, Suzuki has introduced a face-lifted and upgraded version of the all-new Access
125. The 2016 Suzuki Access 125 will be sold along with the older model, at a slight
premium.
20
BOARD OF DIRECTOR:
SKYLINK AUTOWORLD PVT. LTD (AUTHORIZED DEALER OF SUZUKI)

SKYLINK AUTOWORLD PVT. LTD. is established in September 2014, the director
of SKYLINK AUTOWORLD is Mr.NIKKHIL DASPUTE. SKY SUZUKI is basically
a two wheeler showroom as well Suzuki workshop where Suzuki bikes and the mopeds
are sales/repaired/serviced etc.
STAFF MEMBERS
➤ SALES:-
Sales Manager: -Mr.Pravin Ahirrao
Showroom Incharge:-
Salesman:-Mr.Ravi Kharote,Rupesh Shewale Kuber Bagul
Back Office Executive Office Boy:-
⚫ Amit Bhavsar
⚫ Shankar Pawar
SERVICE:-
Works Manager:-Jayesh Bachhav
Supervisor Customer Care Executive:-
Bhavesh Jagtap Tejaswini Yadav
Head Mechanic:-
Wasim Shaikh
Helper:-
Vijay Khairnar
PDI Incharge:-
Kundan Shirsath Faizan Shaikh
Spare Incharge:-Ravikant Bagul
21
CUSTOMER RELATIONSHIP:
It's a well known fact that no business can exist without customers. In the business
of Website design, it's important to work closely with your customers to make sure the
site or system you create for them is as close to their requirements as you can manage.
Because it's critical that you form a close working relationship with your client,
customer service is of vital importance. What follows are a selection of tips that will
make your clients feel valued, wanted and loved.
1. ENCOURAGE FACE-TO-FACE DEALINGS:-
This is the most daunting and downright scary part of interacting with a customer. If
you're not used to this sort of thing it can be a pretty nervewracking experience. Rest
assured, though, it does get easier over time. It's important to meet your customers face
to face at least once or even twice during the course of a project. Suzuki believes that
if a potential client spends over half the meeting doing the talking, you're well on your
way to a sale. In SMPIL always face to face dealing with customer
2. RESPOND TO MESSAGES PROMPTLY & KEEP YOUR CLIENTS

INFORMED:-
This goes without saying really. We all know how annoying it is to wait message and
you'll contact them about it as soon as possible. Even if days for a response to an email
or phone call. It might not always be practical to deal with all customers' queries within
the space of a few hours, but at least email or call them back and let them know you've
received their you're not able to solve a problem right away, let the customer know
you're working on it. Suzuki always listen customer problem and solve his queries and
always have communication with customer.
3. BE FRIENDLY AND APPROACHABLE:-
It's very important to be friendly, courteous and to make your clients feel like you're
their friend and you're there to help them out. There will be times when you want to
beat your clients over the head repeatedly with a blunt object - it happens to all of us.
It's vital that you keep a clear head, respond to your clients' wishes as best you can, and
at all times remain polite and courteous. In Suzuki showroom all workers are trained
and well behave with customer. Suzuki showroom‘s staff very friendly with clients.
4.HAVE A CLEARLY-DEFINED CUSTOMER SERVICE POLICY:-
This may not be too important when you're just starting out, but a clearly defined
customer service policy is going to save you a lot of time and effort in the long run. If
a customer has a problem, what should they do? If the first option doesn't work, then
what? Should they contact different people for billing and technical enquiries? If they're
not satisfied with any aspect of your customer service, who should they tell? There's
nothing more annoying for a client than being passed from person to person, or not
knowing who to turn to. Making sure they know exactly what to do at each stage of
their enquiry should be of utmost importance. So make sure your customer service
policy is present on your site -- and anywhere else it may be useful. In Suzuki all
terms & conditions are clearly mentioned so that no doubt in customer mind
22
5. ATTENTION TO DETAIL (ALSO KNOWN AS 'THE LITTLE NICETIES'):-
Have you ever received a Happy Birthday email or card from a company you were a
client of? Have you ever had a personalized sign-up confirmation email for a service
that you could tell was typed from scratch? These little niceties can be time consuming
and aren't always cost effective, but remember to do them. Even if it's as small as
sending a Happy Holidays email to all your customers, it's something. It shows you
care; it shows there are real people on the other end of that screen or telephone; and
most importantly, it makes the customer feel welcomed, wanted and valued. Suzuki has
keep detail of all customers and make them happy on specific occasion.
6. ANTICIPATE YOUR CLIENT'S NEEDS & GO OUT OF YOUR WAY TO

HELP THEM OUT:-
Sometimes this is easier said than done! However, achieving this supreme level of
understanding with your clients will do wonders for your working relationship. Suzuki
always tries to know about customer needs and make the product according to them.
7. HONOUR YOUR PROMISES:-
It's possible this is the most important point in this article. The simple message: when
you promise something, deliver. The most common exampled is project delivery
dates.Clients don't like to be disappointed. Sometimes, something may not get done, or
you might miss a deadline through no fault of your own. Projects can be late, technology
can fail and sub-contractors don't always deliver on time.
23
PRODUCTS OF SUZUKI MOTORCYCLES
• GSX-R1000
• Bandit 1250S
•Hayabusa 1300
• Intruder M1800R
• GS150R
• Zeus
• SlingShot
• Gixxer
• Access 125
• Let's
MISSION OF SUZUKI:-
The core philosophy of SUZUKI is to provide "VALUE-PACKED PRODUCTS".

Since the founding of SUZUKI Motor Corporation, the Organization's Endeavour has
always been to provide "VALUE PACKED PRODUCTS" as one of the manufacturing
philosophies.
SUZUKI believes that "VALUE-PACKED PRODUCTS" come from the effort to carry
out Product development from customer's point of view. This policy has been in effect
since Company's inception and has helped the Organization to meet customer's needs.
As a result, Suzuki's Products have become well received throughout the World.
SUZUKI is fully committed to create Products that meet customer's demand by utilizing
its dynamic, long-nurtured technological advantage coupled with its fresh and active
human resources.
• Develop products of superior value by focusing on the customers
• Establish a refreshing and innovative company through teamwork
• Strive for individual excellence through continuous improvement
24
2.6 IMAGE OF SUZUKI 125
NEW SUZUKI ACCESS 125 FEATURES:
*Xtra Torque Performance for more power and faster pick-up
*Telescopic front fork suspensions for comfortable riding
*Suzuki Eco Performance (SEP) Engine
* Tail lights that are trendy and attractive
*Long seat & long floor board for comfort seating & riding
* Large size under seat compartment
* Centralized ignition key switch, with shutter Convenient dual luggage hooks & Front
pocket
*Multi-reflector lights for better visibility
*Stylish, Chrome-plated silencer cover . 3D Access 125 logo
*Mobile Charger DC socket
*Suzuki Easy start system
* Digital Speedometer / Twin trip meter / Service indicator
*Best in class mileage of 64 km/L
25
MODULE.3
RESEARCH AND METHODOLOGY
➢ 3.1 Objectives
➢ 3.2 Hypotheses
➢ 3.3 Scope of the study
➢ 3.4 Significance of study
➢ 3.5 Selection of the problem
➢ 3.6 Sample size
➢ 3.7 Data collections
➢ 3.8 Technics and tools to be use
26
RESEARCH AND METHODOLOGY

Research is a careful and detailed study of a particular problem or concern. using
scientific methods. and In depth analysis of information creates space for generating
new questions concepts and understanding. the main objectives of research is to explore
the unknown and unlock new possibilities, it's an essential component of success.
3.1 OBJECTIVES:-
1. Expands your knowledge Base
2. Keeps you up to date
3. Builds your credibility
4. Sparks connections
5. Encourage curiosity
1. EXPANDS YOUR KNOWLEDGE BASE:-
One of the greatest benefits research is to learn and gain a deeper understanding. the
deeper you dig into a topic the more well versed you are further more research has the
power to help you build on any personal experience you have on the subject.
2.KEEPS YOU UP TO DATE:-
Research encourages you to discover the most recent information available. Updated
information prevents you from falling behind and helps you present accurate
information. You are better equipped to develop ideas or talk about a topic when you
are armed with the latest inputs.
3. BUILDS YOUR CREDIBILITY:-
Research provides you with a good foundation upon which you can develop your
thought and ideas. people take you more seriously when your suggestions are backed
by research. you can speak with greater confidence because you know that the
information is accurate.
4. SPARKS CONNECTIONS:-
Take any leading non profit organization. you'll see how they have a strong research
arm supported by real life stories. Research also becomes the base upon which real life
connections and impact can be made it even helps you communicate better with others
and conveys why you're pursuing something.
5. ENCOURAGE CURIOSITY:-
As we've already established, research is mostly about using exciting information to

create new ideas and opinions in the process, it sparks curiosity as you're encouraged
to explore and gain deeper insights into a subject. curiosity leads to higher level of
positivity and lower level of anxiety.
27
RESEARCH OF THE STUDY
Survey research is the systematic gathering of information from respondents for

the purpose of understanding and/or predicting some aspects of the behaviors of the
population of interest. It is the most common method of collecting primary data for
marketing decisions. Survey can provide data on attitudes, feelings, beliefs, past and
intended behaviors, knowledge, ownership, personal characteristics and other
descriptive items.
Survey research is concerned with administration of questionnaires (interviewing). The

survey research must be concerned with sampling, questionnaire design, questionnaire
administration and data analysis. The administration of questionnaire to an individual
or group of individuals is called an interview. A questionnaire is simply a formalized
set of questions for eliciting information. As such, its function is measurement and it
represents the most common form of measurement in marketing research.
The report has been prepared on the basis of information collected from different
sources. In order to achieve the objective of the project proper research method was
applied. After giving through brain storming session, objectives were selected and the
set on the base of these
objectives, A questionnaire was designed major emphasis of which was gathering new
ideas or insight so as to determine and bind out solution to the problems.
RESEARCH TOOLS
Researcher instruments is the tool by which the researcher can do research on

specific problems or objective. The most popular researcher instrument for collection
data is "Questionnaire" for a particular investigation. It is simple for a moiled set of
questions presented to respondents for their answers. Due to this flexibility, it is most
common instrument used to collect the primary data. During the pre- testing of
questionnaire, I seen the reaction of respondents and suggestions required to make
change in research instrument.
28
3.2 HYPOTHESIS:-
1. Sales of different brand of two wheelers are uniformly distributed. i.e. there is no
significant difference in the sales of different two wheeler brands.
2. There is no significant difference between the users of two wheelers on the factors
like gender. occupation etc. words there attitude about the usage of bikes.
3. Difference factors which are important in the purchase decision of two wheeler
buyers do not differ significantly
CHI SQUARE TEST WAS APPLIED
BRAND COUNT
Bajaj 50
Hero Motor Corp 43
Yamaha 22
Honda 07
Others 03
Total 125
⚫ Chi square value (calculated)=70.64
⚫ Critical chi square value (0.054)=94877
⚫ Chi square value (calculated) is greater than critical chi square value hence
hypothesis is rejected and it can be concluded that sales of different brand of
two wheelers are not uniformly distributed.
Married and unmarried customers do not differ significantly in their attitude towards
bike to test this hypothesis test was applied with following results
Since the calculated Z value is less than Z critical (two tailed) at 0.5 significance level,
hence null hypothesis is accepted and it can be said that there is no significant difference
in the attitude of married and unmarried customers toward the usage of bikes.
29
Mean n Z value Z value Result

critical at 05
and 125 df
Married 53.88 50 0.77 1.95 Insignificant
accepted
hypothesis
the null
Unmarried 54`50 75
3.3 SCOPE OF THE STUDY
Two wheelers offer a preferred transport option for short distance commute in India
more ever, two wheelers are convenient in traffic congestions and provide case of
parking compared with other vehicles, there by adding the adoption of two
wheelers ,which in turn, is driving to wheelers loan market as well.
More ever now there is option to apply online for loan and fewer documents are
required, owing to net banking, eliminating has less related to long approval, which is
positives influencing the growth of the market. additionally reserves presence of major
auto makers in the county. flexibility in terms of Tenure And payments mode.
negotiable interest rates based on credit score in further steering growth in India two
wheeler loan market.
India two wheeler loan market can be Segmented based on type, source, percentage of
amount sanctioned, type of city, Tenure and region. in terms of type, India two wheeler
loan market can be bifurcated into new two wheeler and used two wheeler loans.
New two wheeler is the major segment in the market how ever, old two wheeler
segment is anticipated to witness growth in the coming years on account of lower price
of such vehicles.
Major players operating in India two wheeler loan market and categorized into non
banking finance companies (NBFC) and banks. for instance, some of the major banks
in the cemetery included HDFC Bank, State Bank of India, ICICI Bank, and Axis Bank,
among others.
3.4 SIGNIFICANCE OF STUDY:-

1. Save your expenditure
2. Attractive interest rates
3. Improve your credit score
4. Save tax And depreciation
30
1. SAVE YOUR EXPENDITURE:-
Two wheeler loan supports the expenditures and you can pay small EMI amount for a
fixed tenure. you can prepare the monthly repayments plans according to your budget
and don't have to pay and extensive amount. while paying moderate amounts, you can
save lot other expenses.
You can pay pocket friendly EMI you opt a two wheeler loan to buy a new bike, you
don't have to compromise for your dream bike when you choose a two wheeler loan.
2. ATTRACTIVE INTEREST RATES:-
Interest rates have become very competing with increase in demand of Financial
institutions in two wheeler market.
However, the interest rate may vary between customer to customer customer based on
their credit score and the relationship Existing with the Financial institutions.
Also lenders very occasionally offer special discounts to Attract the customers.
attractive interest rates give you a reason to option for the bike you need immediately.
3. IMPROVE YOUR CREDIT SCORE:-
Every lender prefers a customer with a credit score of over 750 if you are a new to
credit customer then you might not enjoy all the loan benefit that the customer with
good credit score has got.
Hence, it is important to not miss any payment while Repaying the loan.
It’s easy to improve your credit score with a two wheeler loan as the loan amount is
small and easy to repay.
Hence, two wheeler loan not only gives you the financial freedom, but also the option
to increase your credit score.
4. SAVE TAX AND DEPRECIATION:-
You can save a lot of amount you have to pay for the income tax there are several tax
benefits for self employed people when they option for a two wheeler loan for business
purposes this helps you save a certain amount for insurance maintenance another crucial
things you can deduct this things from your business profit which will give you a tax
saving benefit while having a two wheeler
3.5 SELECTION OF THE PROBLEM:-

1. Credit score.
2. Loan amount.
3. Loan Tenure.
4. Dealership location.
5. Secured vs unsecured loan
1.CREDIT SCORE:-
You are credit score is one of the most important factors when it comes to taking a loan
it is a number assigned to you by credit rating agencies which consider numerous facts
31
including the number of loans you have taken the loan amounts whether you make
timely payments or missed them and so on the core is out of 900 and any thing above
700 is deemed a good score the bike loan interest rates will depend on this core and you
will have a no interest rate if you are rating is good
2. LOAN AMOUNT:-
The interest rates also depend on the total amount of the loan you were asking for the
higher the cost of your bike the more than floor you will need this also increased the
interest rate as a financial institution is taking a bigger risk in awarding you with a loan
of a higher amount as of increases your chances of defaulting
3. LOAN TENURE:-
Your bike loan EMI price depending on your loan 10 Urey if you have a high monthly
EMI price the interest rate will be lower as it reduces the risk of you defaulting if you
have a long tenure under this year lower EMI rate your rate of interest will be much
higher this is a general rule followed in banking you can use your bike loan EMI
calculator to calculate the best option for you
4. DEALERSHIP LOCATION:-
Price also depends on the dealership location as you know the price of the bike has
small variations depending on the dealership location as each distributor has different
cost and different local tax amount thus in order to get the best deal in the bike loan
interest rate ensure you choose a dealership that gives a good price
5. SECURED VS UNSECURED LOAN:-
A second loan is one where you must pledge and asset to the bank and security or
collateral this reduces the rate of interest as there is less risk for the bank is giving you
the loan
Unsecure loan are loans where you do not pledge collateral and thus have higher rates
of interest to justify their risk you must choose which ever option works best for you
32
3.6 SAMPLE SIZE:-

Sample size determination is the act of choosing the number of observation or replicates
to include in a statistical sample the sample size is an important feature of any empirical
study in which the goal is to make inferences about a population from a sample.
SAMPLE DESIGN:-
Sampling is a process of obtaining. The information about the entire population by

examine a part of it .The effectiveness of the research depends on the sample size
selected for the survey purpose. For the customer satisfaction study a sample of 100
persons was chosen from the Suzuki’s dealership in Ahmedabad.
SAMPLING PLAN:-
Data collected has been analyzed and interpreted by using simple percentage method
and finally the data is presented in graphs and charts.
SAMPLING FRAME:-
Customers visiting showrooms for servicing their motorcycles, Shopping malls,

Supermarket, Markets, College parking etc.
SAMPLE SITE:-
The survey was conducted in Ahmedabad city.
SAMPLING UNIT:-
It means “Who is to be surveyed”. Here target population is decided and it is who are
interested to purchase “Scooter” and sampling frame is developed so that every one in
the target population has known-chance of being sampled. So the survey is conducted
particularly Ahmadabad City.
SAMPLING METHOD :-
A Stratified random sample is one where the population is divided in to mutually

exhaustive strata or sub-group and then a simple random is selected within each of strata
on age groups, occupation. It may be noted that stratification does not means absence
of randomness. I use a simple random sampling method.
33
Cohen'sd:-
Power 0.2 0.5 0.8
0.25 84 14 06
0.50 193 32 13
0.60 246 40 16
0.70 310 50 20
0.80 393 64 26
0.90 526 85 34
0.95 651 105 42
0.99 920 148 58
3.7 DATA COLLECTION:-

Data collection is a procedure of collecting measuring and analyzing accurate insights
of research using standards validate techniques.
SECONDARY DATA:-
Data that has been generated by the researcher himself / herself surveys interviews
experiments specially desired for understanding and solving the research problem at
hand.
Tabulation of data
Banks interest rate(%PA)

Central Bank 7. 25%
BOI 7. 75%
J&K 9.35%
Canara Bank 9.40%
PNB 9. 55%
Punjab and Ind Bank 9. 70%
Axis Bank 10.00%
union Bank 10.80%
34
3.8 TECHNICS AND TOOLS TO BE USE:-

1. Pick the correct type of loan
2. Know the eligibility criteria
3. Calculate the EMI
4. Collect the required documents
5. Apply online
1. PICK THE CORRECT TYPE OF LOAN:-
After you have selected the bike brand and model suitable for your requirements you
need to pick a loan there are different aspects at a loan and you must have information
about each one of them
➢ Loan
➢ EMI
➢ Repayment tenure
➢ Interest rate
➢ Any going festival offer like insurance at a nominal amount discounted price
gifts etc.
➢ Flexibility in the repayment process
2. KNOW THE ELIGIBILITY CRITERIA:-
Before you apply for a two wheeler loan you must check your eligibility if you made
the lenders eligibility it is easier to get approval
▪ You must be more than 18 years of age when you apply for the loan
▪ You must be citizen of India for at least 12 months you must also be saying at
an address during this period
▪ You must be a salary or self employed individual earning the minimum income
required as per the lenders policy
▪ You must have a good Cibil score
▪ You must have all the necessary documents, including Adhara Card, salary slips,
PAN employer reference, etc.
3 .CALCULATE THE EMI:
Once you know that you are eligible for the loan check the amount you need to pay
each month to repay the two wheeler loan. to determine this amount, you can use the
bike EMI calculator. the tool is easy to use and available free of cost online.
You need to enter the principle loan amount and the rate of interest. depending on your
requirement, you can adjust the repayment tenure between 12 and 60 monthly to arrive
at an estimated EMI.
35
4. COLLECT THE REQUIRED DOCUMENTS:-
Preparing all the documents in advance helps to eliminate any hassles that you may
come across during the document verification process you should keep provisions Are
alternate paper work if you misplace an important document.
If you ask the financial institution about the documents they require, you can keep the
same ready before you apply for a two wheeler loan. lenders mostly provide a checklist
for documents that you must keep to complete the loan application process. this
documents will include the latest I.T.R, salary slips, last 3 months bank
statements ,KYC documents, etc.
5. APPLY ONLINE:-
Once you are homework is compute, you can simply visit the website of your financial
institution and apply for a two wheeler loan. you must fill out every detail with caution.
Moreover check for erroneous information to increase the chance of securing a loan
instantly.
OBJECTIVE OF THE STUDY:-
The main objective was to study the customer behavior towards motor vehicle with
special reference to Suzuki motorcycles & Scooters in the City of Malegaon. The
Various sub objectives were to find out the following:
❖ To study the various methods of customer awareness regarding the product,

Access 125.
❖ To find the market share of Access 125 according to the segmentation.
❖ To find the ways to develop better relationship with the customers.
❖ To find the source of awareness regarding the bike in the customers mind.
❖ To find the tough competitors for the Access 125 in the market.
❖ The factors affecting the customers buying decision regarding the purchase
of Vehicle.
❖ The buyer's opinion on the after sales services and attributes
❖ offered by the Access manufacturing.
❖ To the customers preferences towards two wheelers.
❖ To the satisfaction levels of customers about after sale service.
36
MODULE 4
DATA ANALYSIS, INTERPRETATION AND
PRESENTATION
37
4.1. SATISFIED WITH SERVICE FROM THE SHOWROOM.
YES NO
Respondent 82 18
Percentage(%) 82 18
90
80
70
60
50
40
30
20
10
0
1 2
ANALYSIS:-
In the chart we can see that 82% Customers is Satisfied with free service from the
showroom so the company showroom maintains his service&Customer relationship.
38
4.2 WHAT ABOUT THE PRICE OF SUZUKI ACCESS 125.
Column Highly priced Average price

1 35 65
2 35 65
70
60
50
40
30
20
10
0
1 2
ANALYSIS:-
In the chart 65% Customers Are Think Suzuki Access 125 Price is Average And 35%
customer Are think That Suzuki Access 125cc Is High.
39
4.3 PERCENTAGE OF RESPONDENTS SATISFIED WITH THE

SUZUKI ACCESS.
YES 84
NO 16
90
80
70
60
50
40
30
20
10
0
1 2
ANALYSIS:-
84% of Scooters Users Are satisfied While 16% Are Unhappy With Their Suzuki
Access.
40
4.4 CUSTMERS PERCEPTION ABOUT OVERALL

PERFORMANCE OF SUZUKI ACCESS.
1 Excellent 20%
2 Very good 25%
3 Good 28%
4 Average 17%
5 Below average 10%
30
25
20
15
10
0
1 2 3 4 5
ANALYSIS:-
Nearly 73% Respondent Are satisfied About The Performance Of The Hero Pleasure
While The Remaining 27%Are Not satisfied About The Performance of Hero Pleasure
Them 10%Told that The Performance Of Suzuki Access Is Below Average
41
4.5 RESPONDENTS AWARENESS ABOUT SUZUKI ACCESS.
1 Respondents awareness about the Suzuki access 75
2 Respondents did not aware about the Suzuki access 25
80
70
60
50
40
30
20
10
0
1 2
ANALYSIS:-
Out Of The Oat customers Who Are The Probable Buyers It Was Found That About
75%Were Aware Of Suzuki Access.
42
4.6. MOST IMPORTANT FEATURE WHICH ARE LIKE BY

CUSTMERS IN SUZUKI ACCESS 125.
Features Numbers of Customers
1 Style 36
2 Mileage 30
3 Comfort/Convenience 45
4 Safety 30
5 After Sales Service 10
6 Others 5
50
45
40
35
30
25
20
15
10
0
1 2 3 4 5 6
ANALYSIS:-
Majority of customers Liked The Comfort They Get While Driving The Suzuki Access
125cc.But Not Many Of them Were Satisfied About The Mileage.
43
4.7. FEATURES CONSIDERED BY CUSTOMERS WHILE

PURCHASING A PARTICULAR BRAND.
Features Percentage Of Customers
1 Looks 42
2 Mileage 22
3 Comfort 27
4 Safety 17
45
40
35
30
25
20
15
10
0
1 2 3 4
ANALYSIS:-
More Then 35%Respondent said That They Consider As the most Important Parameter
While Purchasing the Scooter Of Any Brand.
44
4.8. FEATURES PREFERED AS MOST IMPORTANT OF

SCOOTER.
Type of features No.Of Customers
1 Looks/Design 35
2 Mileage 30
3 Easy handling 18
4 Comfort 12
5 Others 5
40
35
30
25
20
15
10
0
1 2 3 4 5
ANALYSIS:-
Look play a major role in the scooter market as 35% prefer look as the most Important
Feature Over Mileage Which Is Preferred By 30% Customers.
4.9. CUSTEMER AWARENESS ABOUT THE SCOTER BRANDS.
45
Type Of Scooters Brand Customers Awareness(%)
1 Suzuki Access 125 75%
2 Honda Activa 80%
3 TVS Scooty/Pep 90%
4 Hero Pleasure 40%
5 Other 30%
100
90
80
70
60
50
40
30
20
10
0
1 2 3 4 5
ANALYSIS:-
Respondent were asked About The Scooter Brands That They Were Aware Of
Majority(90%) Of The Brand Scooty.Around 75% Of The Respondents Said That They
were Aware Of The Suzuki Access Around 80% Of The Respondent Said That They
Were Aware Of The Brand Honda Activa Only 30% Of The Respondent Said That
They Were aware of the Other Brand Such As Mahindra Etc.
46
4.10 LAST 5 YEARS OF BALANCE SHEET NO OF ACCOUNTS

OPENED
Years No of accounts
2021-22 6
2020-21 1
2019-20 9
2018-19 16
2017-18 14
No of accounts opened in the bank

18
16
14
12
10
8
6
4
2
0
2021-22 2020-21 2019-20 2018-19 2017-18
Column1
47
4.11 AMOUNT SANCTIONED BY THE BANK
YEARS AMOUNT
2021-22 4,11,000
2020-21 65,000
2019-20 11,52,500
2018-19 26,05000
2017-18 35,20,000
Amount Sanctioned By The bank

4000000
3500000
3000000
2500000
2000000
1500000
1000000
500000
0
2021-22 2020-21 2019-20 2018-19 2017-18
AMOUNT Series 2 Series 3
ANALYSIS
The data which has been mentioned above let us no the amounts which have been
sanctioned by the bags to go back Bellary to the customers are borrowers.
3520000 had been sanctioned by the bank in the years of 2017-18 .and in the years of
2018-19,2605000 had been given to borrowers. and 1152500 rupees had been given to
the borrowers in the years as 2019-20. the bank released only 65000 to the borrowers
since there was only one account available in the bank.
In the year of 2020-21. and ultimately, 411000 Has been sanctioned to the bar overs by
the bank in order to help them in taking two wheeler bike in the year 2021- 22. by
noticing about data it is said that, the bike or decline in the amount column depends on
the accounts which were/ are opened during the previous year.
48
FINDINGS
*The survey shows that looks play the major role in the scooter market as 35% prefers
looks as most important feature.
*The survey shows that majority of the customers liked the comfortableness of Suzuki
access 125cc.
*The survey show that 40% customer are average & 60% customer are good perception
about Suzuki automobile product.
*The survey shows that 85% of the customers are satisfied Suzuki Access125.
*The study show that 44% respondents come to know from “advertisement and 28%
respondents purchase two wheeler from family's recommendation.
*The survey show that in India the most compare brand against SMPIL is Honda 36%.
Hero Honda 34% and Bajaj 21%..
* The survey shows that 60% customers like Suzuki Access 125 and40% are average.
The survey shows those 43% customers are believed that quality is the best thing in
Suzuki Access 125.
LIMITATIONS
*This research is geographically restricted to Malegaon city only. Hence the result
cannot be extrapolated to other places. The study is restricted only to the organized
sector of two wheeler industry
*The seriousness of the respondents and their ability to justify their answers may also
be a limitation.
*The sample size is small.
*Findings are based on sample survey. All interview questions were direct. Hence there
is a scope for the respondents to be biased or pretentious.
* During the survey most of the respondents contacted had newly purchased the
motorcycle thus they could not respond accurately i.e. their satisfaction level and
defects in the motorcycles.
*The research is directly concerned with the study of human preference and behavior
and achieving absolute mathematical accuracy towards this was not possible.
49
4.12 SWOT ANALYSIS
1)STRENGTHS:-
*Size and scale of parent company
*Effective Advertising Capability
*Committed and dedicated staff
*High emphasis on R & D
*Experience in the market
*Established brand
2)WEAKNESSES:-
*Small showrooms
*Not much emphasis on aggressive selling
*Weak product diversity
3)OPPORTUNITIES:-
*Growing premium segment
*Global expansion into the Caribbean & Central America
*Become India’s leader
*Growing premium segment
4) THREATS:-
*Cut throat competition
*Increasing number of players in the market
*Rising raw material costs
*Increasing rates of interest on finance
50
MODULE.5
FINDINGS ,SUGGESTIONS AND CONCLUSION
1) 5.1 Findings
2) 5.2 Suggestions
3) 5.4 Conclusion
51
5.1 FINDINGS:
Finding are nothing but outcomes or result as a topic. a learner or person who is
preparing project will come to know these outcomes a result by himself since he is
analyzing interpreting the data which us has. these findings show has the positive notes
of the topic and show the information which is related to the improvement as a project
as well. in my opinion the following findings have been explained..
Getting approval for two wheeler financing is easy and straight forward. the minimum
eligibility criteria posed for online bike loans are scooter loans let a large section of the
population available them sleeve it.
The minimum paper work involved in the application process speed of the loan
disbursal procedure. the verification procedure get similar, letting you have the loan
amount in your bank account in no time, hence, bring your dreams two wheeler to your
door step without having to weight for you savings to add up to the amount. listed below
as some of the documents that you need to present for the verification process.
We offer two wheeler loans with flexibility repayment options. Borrowers have the
freedom to set any tenure according to their choice between 12 to 48 months. they can
use it two wheeler loan interest calculator to evaluate the exact amount of interest
depending on their loan amount and tenure, which is generally recommended to choose
the tenure wishes upon considering your financial capability in advance.
Selecting a tenure more than required can lower your EMI value but increase your
overall interest payments selecting a tenure to short can decrease your net interest
payments but will increase the EMI value putting too much pressure and your budget.
Hence, pick a tenure only after undergoing a deliberate calculation and analysis of your
finance.
Two wheeler finance let's you repay the loan in easy installments .the borrower can
select the appropriate structured equated monthly installments (EMI) according to his
or her convenience you can use it two wheeler loan EMI calculator to calculate the
prices amount of EMI value that you are supposed to pay depending on the loan scheme
the tenure that you are thinking of applying for it will help you figure out your finances
in advance.
Financial institutions offer two wheeler loans at competitive interest rates. if help you
lower your equated monthly installments .value and let's you enhance your saving by
paying this on interests and recouping the principle Faster
All this attractive attributes of two wheeler finance combined can make your buying
experience seamless and convenient, more over, the online partners of most of the
significant financial institution let you apply for bike finance online without any hassles,
*This research is geographically restricted to Malegaon city only. Hence the result
cannot be extrapolated to other places.
*The study is restricted only to the organized sector of two wheeler industry .
52
* The seriousness of the respondents and their ability to justify their answers may also
be a limitation.
*The sample size is small.
*Findings are based on sample survey.
*All interview questions were direct. Hence there is a scope for the respondents to be
biased or pretentious.
*During the survey most of the respondents contacted had newly purchased the
motorcycle thus they could not respond accurately i.e. their satisfaction level and
defects in the motorcycles.
*The research is directly concerned with the study of human preference and behavior
and achieving absolute mathematical accuracy towards this was not possible.
53
5.2 SUGGESTIONS:
Suggestions also play important role in improving once in better manners. suggestions
have something which Ad's free Topic to mend its content and helps in Auditing
something which is needed or valuable for the particular topic or project. the future
reader as this book might be aware of the steps which he needs to take will approaching
these type of loans. the following are the suggestions which I would to give you.
Interest rate and charge on two wheeler loans very from bank to bank. so it's advisable
to compare the various two wheeler loan products available before applying for
them .compare the loans based on parameters like interest rates. processing this and
other charges such as penalties ,prepayment charges, free closer charges, late payment
fees, etc.
You have two options for getting a two wheeler loan. choose the lender yourself for the
loan or check with the two wheeler company with they have an exclusive type with
banks or NBECS. often lender have tips with the two wheeler company who give the
processing fees, process the loan quickly and charge a lower interest rate. you must
check the loan offered loan by the lander with an exclusive tie-up with the two wheeler
company and then compare it with the loan offers of different Financial institutions to
make right decisions.
With two wheeler loan, you can finance up to 100% at the value of your dream two
wheeler that you are willing to buy the let's you purchase your brand’ new two wheeler
at a nominal down payment, saving you from paying in a lamp Sum.
Bank should reduce rate of interest on two wheeler loan, and bank should advise two
wheeler loan.
Deposit amount should reduce on the loan
The Suggestions that are given by customers and we give suggestions as a market
researcher for Improving in a service, advertisements. Because after selling of a vehicle
customer may has some of the problem and customer come for solve their problem
through service and company should try to give proper service to satisfy customer by
solving their problem. The suggestions are as followed:
*As people expect more mileage per kilometer, company should increase the mileage
of the Suzuki Vehicles.
*SMIPL should increase the production capacity as the customers have to wait for 3-4
months for delivery of the Suzuki Access.
*Company showroom should take less time for service the vehicle.
*Company should facilitate a Scheme for servicing Old Vehicles so that the entire
customer services their vehicle at company's service station.
*Suzuki should introduce a low price moped.
54
*All parts should be available at service station. Because sometime customer face the
problem that parts are not available.
*Company should facilitate a Scheme for servicing Old Vehicles so that the entire
customer services their vehicle at company's service station.
Suzuki increase in advertising in mass media to promote its sales.
*Company should manufacture motorcycles which can withstand for long time on
Indian roads.
*Company should appoint a brand ambassador and also sponsor entertainment and
sports events so that the name of the company remains in the minds of the people.
*SMPIL should implement new marketing strategies to compete with Indian competitor
*Suzuki at the moment has a very weak product portfolio and its products are not that
visible in the market.
*Suzuki should maintain and produce the bikes in quarterly or half yearly so that
customers can avail options.
55
5.3 CONCLUSION:
After discussing all this Banks pay an important role / major role in improving once
life. this banks realizes the dream of purchasing a vehicle of a barrowers by providing
two wheeler loan.
Two wheeler vehicle loan comes with several benefits, where the user can enjoy
multiple offers while having a bike, the loan process allows the user to option for the
dream bike they want the loans are rate. and anymore with complete documentation can
apply for the loan to make their dream their Dream true.
Indian two-wheeler industry is the second largest in Asia after China. After the
separation with Tvs Motors the main focus of Suzuki has been to capture the Indian
Market through its Product which are Best In terms Of Style & Design and is trying to
achieve more target of which it has laid down for the coming years its Recent Launched
Bikes like Suzuki Hayabusa, Gixxer / Gixxer SF and Scooter Suzuki Access 125 have
shaken the market leader Like Bajaj, Hero Honda & Honda is giving them a tough
competition & soon going Launch Few More Bikes in the market. But in a country like
India where customer generally appreciates mileage it becomes necessary for a
company like Suzuki which produces Bikes whose prices are towards the higher end to
focus on other factors to which influence the consumer choice of Product like Prices,
after sale services and many more.
56
ANNEXURE:
1.can you tell me the Minimum number of accounts which have been opened in your
bank during previous year?
Answer: Only One Account As Been In 2020-21
2. What Was The Maximum that u has Sanctioned?
Answer:3520000
3. What Is The Interest Rate On Two Wheeler Loan?
Answer:12%
4. What is The Time Period Or Duration To Repay The Loan?
Answer: Maximum 60 Monthly Installment
5. What Types of Loans Are Available In Your Bank Apart from two wheeler loan?
Answer: 1.Education loan

2.Home loan
57
BIBLIOGRAPHY
REFRENCES:-
www.suzukimotorcycles.co.in
www.sucobank.com
www.Drivespark.com
www.rushlane.com
www.wikipedia.com
www.autocarindia.com
58

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VEHICLE LOAN OF SUZUKI ACCESS 125 ( TWO WHEELER)

Modules PARTICULARS PAGE NO

02 PROFILE OF THE COMPANY 10-25

2.1 History of the Suzuki access 125

03 RESEARCH AND METHODOLOGY 26-36

04 DATA ANALYSIS, AND 37-50

4.1 Satisfied with service from the

05 FINDINGS, SUGGESTIONS AND 51-56

➢ 1.1 Types of vehicle loan

VEHICLE LOAN OF SUZUKI ACCESS 125 (TWO-WHEELER)

1.1 TYPES OF VEHICLE LOAN:-

* NEW CAR LOAN: -

* USED CAR LOAN: -

* COMMERCIAL VEHICLE LOAN: -

* TWO WHEELER LOAN:-

1.2 OBJECTIVES OF A LOANS:-

ELIGIBILITY FOR A TWO-WHEELER LOAN:-

DOCUMENTS FOR A TWO WHEELER LOAN:-

FEATURES OF TWO WHEELER LOANS:-

* banks charge an interest rate ranging from m 9.5-17% per Annum.

*You must repay the two-wheeler loan within 5 years.

* Banks offer an Impressive 0.5% Discount for Female Customers.

* Your Bank May have a Direct tie-up with a dealer.

1.3 STEPS TO TAKE A TWO WHEELER LOAN :-

ADVANTAGES OF A TWO WHEELER LOAN:-

1.4 TWO WHEELER LOANS AND THEIR BENEFITS:-

1. Lower down payment

1.LOWER DOWN PAYMENT:-

2.LONGER LOAN DURATION:-

3.QUICK AND EASY PROCESSING:-

4.AFFORDABLE INTEREST RATES:-

5.PRE PAYMENT FACILITY:-

DISADVANTAGES OF CAR/BIKE LOAN:-

2. RISK OF LOSING THE VEHICLE:-

3. POTENTIALLY A TIGHTER BUDGET:-

5.INSURANCE AND LIABILITY COVER:-

KEY TARGET AUDIENCE:-

1.5 REPORT SCOPE:-

•MARKET, BY PERCENTAGE OF AMOUNT SANCTIONED:-

➢ 2.1 History of the Suzuki access 125

INTRODUCTION: PROFILE OF THE SUZUKI ACCESS 125

2.1 HISTORY OF THE SUZUKI ACCESS 125:-

Suzuki manufacturers a complete range of motorcycles as well as small combustion

INDIAN TWO WHEELER HISTORY

SUZUKI MOTORCYCLES INDIA HISTORY

Suzuki Motor Corporation (SMC), a global giant of motorcycle manufacturing is

CUSTOMER SATISFACTION IN 7 STEPS:-

1. ENCOURAGE FACE-TO-FACE DEALINGS:-

2. RESPOND TO MESSAGES PROMPTLY & KEEP YOUR CLIENTS

3. BE FRIENDLY AND APPROACHABLE:-

4. HAVE A CLEARLY-DEFINED CUSTOMER SERVICE POLICY:-

5. ATTENTION TO DETAIL (ALSO KNOWN AS 'THE LITTLE NICETIES'):

6. ANTICIPATE YOUR CLIENT'S NEEDS & GO OUT OF YOUR WAY TO

7. HONOUR YOUR PROMISES:-

2.2 Specifications of Suzuki access 125

Engine Four stroke single cylinder

maximum Torque 10.2nm@5000RPM

Fuel system carburetor

Start system Kick and electric

Transmission Type CVT

Front Break Drum/Disk

Rear Break Drum

Tyre size(front) 90-90-12-Tubeless