My Finished Project

“A STUDY ON CONSUMER PRECEPTION TOWARD SBI BANK HOME LOANS
IN POLUR”
PROJECT WORK
SUBMITTED TO
THIRUVALLUVAR UNIVERSITY
SERKADU, VELLORE
IN PARTIAL FULFILLMENT OF THE REQUIREMENT FOR THE AWARD OF THE
DEGREE OF BACHELOR OF
BUSINESS ADMINISTRATION
SUBMITTED
BY
MOHAN. A
(REG NO:32120U08020)
UNDER THE GUIDANCE OF
Dr. V. SENBAGA PRIYA, M. com., M. Phil., M. B. A., Ph. D.,
ASSISTANT PROFESSOR
DEPARTMENT OF BUSINESS ADMINISTRATION

MUTHURANGAM GOVERNMENT ARTS COLLEGE( AUTONOMOUS)
(ACCREDITED WITH “B” GRADE BY NAAC)
VELLORE-2
APRIL -2023
Dr. V. SENBAGA PRIYA, M. com., M. Phil., M. B. A., Ph. D.,
ASSISTANT PROFESSOR
DEPARTMENT OF BUSINESS ADMINISTRATION
MUTHURANGAM GOVERNMENT ARTS COLLLEGE (AUTONOMOUS)
VELLORE-632002
BONAFIDE CERTIFICATE
This is to certify that the project entitled “A STUDY ON CONSUMER’S

PERCEPTION TOWARDS SBI BANK HOME LOANS IN POLUR” submitted to
Muthurangam Government Arts college (autonomous) affiliated to THIRUVALLUR
UNIVERSITY partial fulfillment of the award of he requirement for the award of the degree
of BACHELOR OF BUSINESS ADMINISTRATION is a record of original research
work done by MOHAN. A (32120U08020) during the period of one month under degree/
Diploma/Associate ship/Fellowship (or) other similar title to any candidate of any university.
Submitted to project and Viva voce Examination held

on______________________________
GUIDE AND SUPERVISOR HEAD OF THE

DEPARTMENT
INTERNAL EXAMINER EXTERNAL EXAMINER

PRINCIPAL
DECLARATION
I am MOHAN. A ( ENROLLMENT NO:32120U08020) here by declare that the

project work entitled “ A STUDY ON CONSUMER’S PERCEPTION TOWARDS SBI
BANK HOME LOANS IN POLUR'' submitted to MUTHURANGAM GOVERNMENT
ARTS COLLEGE affiliated to THIRUVALLUVAR UNIVERSITY in partial fulfillment
of the award of the degree of BACHELOR OF BUSINESS ADMINISTRATION under the
guidance of Dr. V. SENBAGA PRIYA, M. com., M. Phil., M. B. A., Ph. D., assistant
professor of Business administration, Muthurangam Government Arts College (Autonomous)
Vellore and it has not formed the basis for the award of any
degree/diploma/associateship/fellowship (or) other similar title to any candidate of any
university.
Place:
Signature,
Date:
(MOHAN. A)
REG NO:32120U08020
ACKNOWLEDGEMENT
I express my thanks to our principal Dr. A. MALAR, M. A., M. Phil., Ph. D., for her
inspiration which made me do the project successfully.
I owe my sincere sense of thanks to our beloved Dr. J. MOHANALAKSHMI

M.B.A.,Ph. D., Head of the department of Business Administration for her valuable guidance
for my project work that led me to complete the project in a much determined way within the
stipulated time.
I am indebted to my guide Dr. V. SENBAGA PRIYA, M. Com., M. Phil., M. B.

A., Ph. D., of Business Administration for her consistent encouragement and guidance during
my project work.
I thank all of our department staff who directly or indirectly help me with the project.
My loving parents have always been with me in this “honorable” and such moral
support
TABLE OF CONTENTS
SERIAL CONTENT PAGE

NUMBER NUMBER
CHAPTER-1 INTRODUCTION
CHAPTER-2 OBJECTIVES, NEEDS, SCOPE, LIMITATION
CHAPTER-3 COMPANY PROFILE
CHAPTER-4 REVIEW OF LITERATURE
CHAPTER-5 RESEARCH METHODOLOGY
CHAPTER-6 DATA ANALYSIS AND INTERPRETATION
CHAPTER-7 FINDING, SUGGESTION, CONCLUSION
BIBLIOGRAPHY
QUESTIONNAIRE
LIST OF TABLE
6.1 GENDER OF RESPONDENTS

6.2 AGE OF RESPONDENTS
6.3 YEAR OF TAKING HOME LOANS
6.4 REASON FOR TAKING HOME LOAN FROM SBI
BANK
6.5 STATE THE INTEREST RATRS CHARGED BY
SBI BANK IS PAYABLE
6.6 STATE THE EMI OF BANK IS SATISFIED
6.7 THE TYPE OF HOME LOAN YOU HAVE TOOK

FORE SBI BANK
6.8 STATE THE PROCESSING FEES OF SBI BANK
IS AFFORTABLE
6.9 -STATE THE SANCTIONING PROCEDURE OF

SBI BANK IS EASY
6.10 THE BANK YOU DEPENT FOR REGULAR
TRANSACTION
6.11 ARE YOU AWARE OF THE ADVANCE

PRODUCTS OF SBI BANK
6.12 STATE THE FORE CIOSURE CHARGES OF SBI

BANK
6.13 STATE THE FORE CIOSURE CHARGES OF SBI
BANK
6.14 YEARLY INCOME GROUP
6.15 -AWARE OF THE HOME LOAN PRODUCT OF

BANKS
6.16 ARE YOU SATIFIED WITH SBI BANK HOME
LOANS
6.17 BANK’S HOME LOAN PRODUCT YOU FIND
MOST RELIABLE
6.18 HAVE YOU EVER TAKEN HOME LOAN
6.19 -WHILE TAKING HOME LOAN, THAT
THINGES ATTRACT YOU THE MOST
6.20 -IN NEAR FUTURE WOULD YOU BE
INTERESTED TO TAKE HOME LOAN
6.21 -HOME LOAN TENURE HAVE YOU CHOOSEN
6.22 THINGS THAT ATTRACTED YOU FOR TOOK

HOME LOAN IN SBI BANK
/
CHAPTER.NUMBER TITLE PAGE
NUMBER
6.1 GENDER OF RESPONDENTS
6.2 AGE OF RESPONDENTS
6.3 YEAR OF TAKING HOME LOANS
6.4 REASON FOR TAKING HOME LOAN FROM
SBI BANK
6.5 STATE THE INTEREST RATRS CHARGED
BY SBI BANK IS PAYABLE
6.6 STATE THE EMI OF BANK IS SATISFIED
6.7 THE TYPE OF HOME LOAN YOU HAVE

TOOK FORE SBI BANK
6.8 STATE THE PROCESSING FEES OF SBI
BANK IS AFFORTABLE
6.9 STATE THE SANCTIONING PROCEDURE

OF SBI BANK IS EASY
6.10 THE BANK YOU DEPENT FOR REGULAR
TRANSACTION
6.11 ARE YOU AWARE OF THE ADVANCE

PRODUCTS OF SBI BANK
6.12 STATE THE FORE CIOSURE CHARGES OF

SBI BANK
6.13 STATE THE FORE CIOSURE CHARGES OF
SBI BANK
6.14 YEARLY INCOME GROUP
6.15 AWARE OF THE HOME LOAN PRODUCT

OF BANKS
6.16 ARE YOU SATIFIED WITH SBI BANK
HOME LOANS
6.17 BANK’S HOME LOAN PRODUCT YOU FIND
MOST RELIABLE
6.18 HAVE YOU EVER TAKEN HOME LOAN
6.19 WHILE TAKING HOME LOAN, THAT
THINGES ATTRACT YOU THE MOST
6.20 IN NEAR FUTURE WOULD YOU BE
INTERESTED TO TAKE HOME LOAN
6.21 HOME LOAN TENURE HAVE YOU

CHOOSEN
6.22 THINGS THAT ATTRACTED YOU FOR

TOOK HOME LOAN IN SBI BANK
CHAPTER-1
1
Introduction
A bank defines as financial institution that provides financial services to their

customers. Generally, a bank understood as provider of fundamental banking services such as
accepting deposits and providing loans. A bank system provided by the bank offers cash
management services for customers, reporting the transactions of their accounts and
portfolios throughout the day. The bank plays vital role for mobilization of deposits and
disbursement of credit to various sector of the economy. The banks are the main participants
of the financial system in India. The banking sector offers several facilities and opportunities
to their customers. All the banks safeguard the money and valuables and provide loans, credit
and payment services such as checking accounts, money orders and cashier’s cheques. The
banks also offer investment and insurance products. As a variety of models for cooperation
and integration among finance industries have emerged, some of the traditional distinctions
between banks, insurance companies, and securities firms have diminished. In spite of these
changes, banks continue to maintain and perform their primary role-accepting deposits and
lending funds from these deposits.
In India, banks are playing a crucial role in socio-economic progress of the country
after
independence. The banking sector is dominant in India as it accounts for more than half the
assets of the financial sector. Indian banks have been going through a fascinating phase
through
rapid changes brought about by financial sector reforms, which are being implemented in a
phased manner.
The current process of transformation should be viewed as an opportunity to convert

Indian banking into a sound, strong and vibrant system capable of playing its role efficiently
and effectively on their own without imposing any burden on government. After the
liberalization of the Indian economy, the Government has announced a number of reform
2
measures on the basis of the recommendation of the Narasimhan Committee to make the
banking sector economicallyviable and competitively strong.
The current global crisis that hit every country raised various issue regarding
efficiency and solvency of banking system in front of policy makers. Now, crisis has been
almost over,
Government of India (GOI) and Reserve Bank of India (RBI) is trying to draw some lessons.
RBI is making necessary changes in his policy to ensure price stability in the economy. The
main
objective of these changes is to increase the efficiency of banking system as a whole as well
as of
individual institutions. So, it is necessary to measure the efficiency of Indian Banks so that
corrective steps can be taken to improve the health of banking system.
What are the benefits of a Home Loan?
When you opt for a Home Loan, you can enjoy the following benefits:
 Taxation: A Home Loan allows you to claim income tax deductions on the interest
and
principal amount due. Under the Income Tax Act, 1961, as per Section 80C, you can
claim up to INR 1.5 lakh on principal repayments, and up to INR 2 lakh on interest re-
payments under Section 24B. You can avail of other tax benefits via a Home Loan, as
well.
 Interest Rate: When compared to the various kinds of loans available, the interest rate
on a Home Loan is relatively lower. Plus, in case of a cash crunch, you can also apply
for a Top-Up Loan in addition to the existing Home Loan.
 Due Diligence: When you apply for a Home Loan, banks check the property from a
legal standpoint and ensure that the documents are valid and the title is clear. This
step can prevent you from being scammed and passing this due diligence can validate
your property.
What are some important factors to consider for a Home Loan?
Apart from knowing what is a Home Loan, it is important to know how to opt for the correct
option among the various types of Home Loans offered. To apply for a Home Loan that will
3
work best for your requirements you must consider the following factors:
 Interest Rate: Make sure to understand the kind of Home Loan interest rate you are
being offered. A variable interest rate can vary during the tenure as opposed to a fixed
interest rate that remains the same.
Read more about fixed and floating Home Loan interest rates
 Tenure: The tenure is an essential variable and decides the EMI amounts payable each
month on the due date. Thus, knowing the exact tenure can help you plan your fi-
nances accordingly.
 Application: It helps to choose a Home Loan that has a simple application process
without excessive documentation. Ideally, you should pick a Home Loan that allows
for online application and quick disbursals.
The banking sector is the lifeline of any economy. The banking sector is one of the most
important financial pillars of the financial sector, which is play crucial role in functioning of
aneconomy. It is play an important role for country‟s economic development and financing
requirements of trade, industry and agriculture. Thus, the development of country is linked
withthe development of banking. The banking system reflects the economic health of the
country.The strength of an economy depends on the strength and efficiency of the financial
system.
The term loan is a type of debt. Like all debt instruments, a loan entails the redistribu-
tion of financial assets over time, between the lender and the borrower. In a loan the borrower
initially receives an amount of money called the principal amount. The amount of money is
paid back in regular instalments or partial repayment on an annual basis each instalment be-
ing of the same amount .There is no certainty about how the loans started, but one can easily
assume that ever since the concept of ownership came into existence people have been prac-
ticing lending and borrowing. Various forms of lending are found to be existing in ancient
Greek and Roman times and even the bible mentioned monetary loan. However the modern
history of loan started much later.
In the history of loans the “Indentured loan” was one of the earliest forms of lending
which was practiced in the middle ages till the19th century by the land owners and rich people
who allowed poor people in need of money to borrow in exchange of indentured servitude.
4
The borrower had to work for several years to clear their debt. They had no rights and were
considered by many rich people as “Slave labour”. However money lenders played an impor-
tant part in the history of loans and both the English word “Bank “ and “Bankrupt” have ori-
gin in the Italian money lenders.
TYPE OF LOANS:
Personal
loans
Business
Type of
Home loans
loans
Loans
Educational
Car loans
loans
Personal loan :-
This loan can be availed to meet the expenses related to marriages, travel, honey
moon ,holiday, and medical expenditure or for any other personal use .It is also available to
pensioners,defense pensioners. As the name suggests, loans received as personal could be uti-
lize by the recipient for any requirement.
For example
marriage, home improvement, travel or any miscellaneous expenses. The interest rate is
highest for this category of loan.
2. Home loan: -
IT is usually taken for a very long duration. It is a life time dream of every individual to have
his/her own house. It is a primary human need next in importance only to food and clothing
5
however, is a major expenditure and cannot be funded out of a family’s normal monthly in-
come or saving.
A home loans based on mortgage and is like any other loan which is offered to a borrower
against a security. In case of home loan security is the home loan is offered to a borrower to
purchase or to build a new house on the basis of his/her eligibility and the bank’s lending
rules. Normally, 80% of property value is granted as the loan amount. in exceptional cases, it
can reach to 85-90% also. According to National Association of Home Builders, the housing
industry as a whole contributes about 17% to 18% of the nation’s GDP. Home loan is
the funds buyers have to borrow usually from a bank or other financial institution to purchase
property Generally secured by a registered mortgage to the bank over the property being pur-
chased.3.
Car loan: -
For those individuals who prefer to travel more conservatively or to get to their desti-
nation faster, a Two-Wheeler is as much faster. With newer models coming out each year the
options available to the customers are both attractive as well as convenient. All resident Indi-
ans, salaried people, professionals, and self- employed businessmen and framers can apply
for this loan. These days’ automobile companies have
ventured into finance by setting up separate subsidiary companies solely for this purpose.
They are able to offer the best interest rates often with zero interest rate schemes. They usu-
ally undercut any bank’s finance
terms since they are able to eat into their profit margin on the underlying vehicle.4.
Education loan: -
Education is the most important investment one can make in life Higher studies and
specialization in certain fields call for additional financial support from time to time.
Just like personal loan the rate of interest is really high for this category. However the big ad-
vantage here is that most banks will give you a grace period before your EMI’s or repayment
terms start. The grace period takes into account the duration for which your education lasts
i.e. repayment starts once you complete your education and get into job market.
Business loan: -
Again, the interest rate is really high for this category mostly because of the risk in-
volved. Business loan facility enables individuals, proprietorships such as partnership firms
and co-operative societies to avail of working capital or undertake development of shops or
by way of loan /overdraft. The loan is provided against the security of tangible collateral se-
curities in building and land.
Types of home loan: -
1. Home loan for improvement:
These loans are given for implementing repair work and renovation in a home that
has already been purchased by the customer. It may be requested for external works like
6
structural repairs, waterproofing or internal works like tiling and flooring, plumbing, electri-
cal work and painting etc
2. Home extension loan: -
Home extension loans are given for expanding or extending an existing home .For
example addition of an extra room. For this kind of loan, customer needs to have requisite ap-
provals from the relevant municipal corporations.
3. Home purchase loan:-
These are the basic home loans for the purchase of a new house. These loans are
given for purchase of a new or already built flat / bungalow / row-house.
4. Stamp duty: -
These loans are sanctioned to pay the stamp duty amount that needs to be paid on
the purchase of property.
5. NRI home loan: -
This is a special home scheme for the non-resident Indians (NRI) who wishes to buil-
dor buys a home or land property in India. They are offered attractive housing finance plans
with suitable reimbursement option by many banks in the country.
6. Land purchase loan: -
Land purchase loans are available for purchase of land for both home constructionor
investment purposes. Therefore, customers can grant this loan even if customer is not plan-
ning to construct any building on it in the near future. However, customer has to complete
construction with intenure of three years on the same land.
7. Home construction loan: -
These loans are available for the construction of a new home. Thesedocuments re-
quired by the banks or banks granting customer a home construction loan is slightly different-
from the home purchase loans.
Types of home loan Home improvement loan Home extention loan Home purchase loan.
7
CHAPTER-2
8
OBJECTIVE OF THE STUDY
 To study the satisfaction level of customers regarding the home loans provided by
 Housing Finance company.
 To study the problems faced by customers in obtaining the home loans.
 To find out various types of loans taken customers from bank.
 To evaluate the then around time for customer in taking their loans from bank.
NEED OF THE STUDY
 Eventhough people are availing loan and have their dreams fulfilled of having a
Home, there are many problems faced by them even after availing the loan. So this
study is undertaken to understand the level of satisfaction or dissatisfaction from the
loan availed. Finally the detail information about the benefits they had received are
also considered.
 Assets are insured; because they are likely to be destroyed through accidental
occurrences such possible occurrences are called perils. Fire floods breakdowns,
lighting, and earthquakes etc. If such perils can cause damage to the asset the asset is
exposed to that risk.
 The risk only means that there is a possibility of loss or damage. The damage may or
may not happen. Insurance is done against the contingency that it may happen. There
has to be an uncertainty about the risk. Insurance is relevant only if there are
uncertain. In the case of a person who is terminally ill the time of death is not
uncertain though not exactly known.
 Insurance does not protect the asset. It does not prevent its loss due to the peril. The
peril can sometimes be avoided, through better safety and damage control
9
management. Insurance only tries to reduce the impact of the risk on the owner of the
asset and those who depend on that asset
 It only compensates the loose and that too, not fully. Only economic consequences
can be insured. If the loss is not financial insurance may not be possible.
SCOPE OF THE STUDY
 The study focuses on the customer perception relating to the areas of customer
preference, customer satisfaction, loyalty, repurchase decision and complaining
behavior of customers in the purchase of housing finance.
 In the current scenario the housing finance business has become liberalized and
competitive. It is found that exploring the behavior of the customers will give an
insight to housing finance to maximize their customers
.
 The research is restricted to SBI bank in Polur Town. Important of study is to find out
customer problems and their opinion about home loan at SBI bank in Polur. At the
same time we need to analyze the problem involved in home loan compare to other
bank and try to give our own suggestions
 The scope of the study is restricted to Branches of SBI in Polur Town only. This
study covers the eligible conditions, operations, disbursement and repayment of loans,
home loans schemes, interest rate and the terms provided. This study focus on only
home loan services.
 The study focuses on the customer perception relating to the areas of customer prefer-
ence, customer satisfaction, loyalty, repurchase decision and complaining behavior of
customers in the purchase of housing finance.
10
 2. In the current scenario the housing finance business has become liberalized and
competitive. It is found that exploring the behavior of the customers will give an in-
sight to housing finance to maximize their customers.
LIMITATION OF STUDY
1. This research study was time bound and due to this only a few aspects of the
Problem were taken up for study100.
2. Findings may vary if the area of study is changed. Some of the respondents might
have been biased in their responses and as Such the analysis and conclusion based on it could
vary to some extent. Some of the conclusions also depend upon secondary data.
3. To the extent these data are reliable, the conclusion derived from them are valid.
This research study was limited only to nationalized and co-operative banks Due to non-
availability of data on private banks.
Some of Customers were not ready to give the detailed information and good response.
Some respondents try to avoid feeling questionnaire.
It might be possible that some of the information were not properly revealed by the
consumers due to certain reasons like lack of time, lack of understanding etc.
Some respondents were kept their information confidential that's why they were filling
wrong information in some questions.
NEED OF THE STUDY
 Eventhough people are availing loan and have their dreams fulfilled of having a
Home, there are many problems faced by them even after availing the loan. So this
study is undertaken to understand the level of satisfaction or dissatisfaction from the
loan availed. Finally the detail information about the benefits they had received are
also considered.
11
 Assets are insured; because they are likely to be destroyed through accidental
occurrences such possible occurrences are called perils. Fire floods breakdowns,
lighting, and earthquakes etc. If such perils can cause damage to the asset the asset is
exposed to that risk. The risk only means that there is a possibility of loss or damage.
The damage may or may not happen. Insurance is done against the contingency that it
may happen. There has to be an uncertainty about the risk. Insurance is relevant only
if there are uncertain. In the case of a person who is terminally ill the time of death is
not uncertain though not exactly known. Insurance does not protect the asset. It does
not prevent its loss due to the peril. The peril can sometimes be avoided, through
better safety and damage control management. Insurance only tries to reduce the
impact of the risk on the owner of the asset and those who depend on that asset. It
only compensates the loose and that too, not fully. Only economic consequences can
be insured. If the loss is not financial insurance may not be possible.
CHAPTER -3
12
COMPANY PROFILE
SBI INTRODUTION
13
State Bank of India (SBI) a Fortune 500 company, is an Indian Multinational, Public
Sector Banking and Financial services statutory body headquartered in Mumbai. The rich
heritage and legacy of over 200 years, accredits SBI as the most trusted Bank by Indians
through generations.
SBI, the largest Indian Bank with 1/4th market share, serves over 45 crore customers
through its vast network of over 22,000 branches, 62617 ATMs/ADWMs, 71,968 BC outlets,
with an undeterred focus on innovation, and customer centricity, which stems from the core
values of the Bank - Service, Transparency, Ethics, Politeness and Sustainability.
The Bank has successfully diversified businesses through its various subsidiaries i.e
SBI General Insurance, SBI Life Insurance, SBI Mutual Fund, SBI Card, etc. It has spread its
presence globally and operates across time zones through 229 offices in 31 foreign countries.
Growing with times, SBI continues to redefine banking in India, as it aims to offer re-
sponsible and sustainable Banking solutions..
State Bank of India offers attractive interest rates on home loans starting at 8.85%
p.a. The loan tenure can be extended up to 30 years, ensuring a comfortable repayment
period. The processing fee on these loans is 0.35% of the loan amount (Min. Rs.2,000; Max.
Rs.10,000) plus applicable taxes. Women borrowers are also offered an interest concession of
0.05% on SBI Home Loans. No hidden charges and a full waiver of prepayment charges
make them one of the most preferred housing loan products in the country.
SBI Home Loan Schemes
1. SBI Regular Home Loan
14
 Interest rate: 8.85% p.a. onwards
 Processing fee: 0.35% of the loan amount (min. Rs.2,000; max.
Rs.10,000)
 0.05% lower interest rate for women
 Zero charges on pre-payments
 Available for applicants aged between 18 and 70
2. SBI Flexipay Home Loan
Rs.10,000)
 Choice to repay just the interest component during the pre-EMI period
 Step-up EMIs in the following years
 20% improvement in home loan eligibility for younger professionals
3. SBI Tribal Plus
 Interest rate: 9.25% p.a onwards.
Rs.10,000)
 Specially for people living in tribal areas or hilly areas
 Repayment tenure of a maximum of 15 years
 Land mortgage not required; third-party guarantor allowed
4. SBI Home Loan to Non-Salaried Differential offerings
 Contact the bank to find out the interest rate offered
Rs.10,000)
 Exclusive scheme for individuals who have an income but do not earn a
monthly salary
 Special offers on loans for buying a new residential unit, constructing a
house, renovating or repairing your house, or transferring your loan from
another bank
 Available for proprietors, partners, and directors of companies as well
 Loan amounts ranging between Rs.50,000 and Rs.50 crore
5. SBI Pre-Approved Home Loan (PAL)
15
Rs.10,000)
 Loan sanctioned before a property is finalised
 Gives you more negotiating power with the seller or builder
 Benefits similar to that of the SBI Regular Home Loan
6. SBI Earnest Money Deposit (EMD)
 Interest rate: 12.95% p.a.
 Processing fee: 0.5% of the loan (min. Rs.1,000)
 Funds to pay the advance amount for booking a house or plot
 Can only be taken to pay booking amount for houses/plots sold by urban
development authorities, housing boards, and other government entities
 Short-term loans of one year
7. SBI NRI Home Loan
 Contact the bank to find out the interest rate offered
Rs.10,000)
 Specifically for Non-Resident Indians (NRIs) to buy a house in India
 Discount on interest rate for women applicants
 No extra fees or interest rates when compared with Regular Home Loan
8. SBI Realty Home Loan
 Interest rate: 9.45% p.a. onwards.
Rs.10,000)
 Meant for purchase of a plot of land to construct your own house
 Borrowing limit of up to Rs.15 crore with repayment tenures of up to 10
years
 Option to take a separate SBI home loan for the actual construction
9. SBI Commercial Real Estate (CRE) Home Loan
 Processing fee: 0.35% of the loan amount (min. Rs.5,000)
 Curated scheme for people who already own two or more houses and
want to buy more
 Max. 3 houses can be bought under this scheme
16
 Benefits such as lower interest rate for women and overdraft facility
available
10. SBI Reverse Mortgage Loan
Rs.20,000)
 Specifically for senior citizens with a property owned or occupied by
them
 Helps generate or supplement income after retirement
 Loan need not be repaid during the borrower’s lifetime
11. SBI Pradhan Mantri Awas Yojana Subsidy Scheme

If you meet the eligibility criteria of PMAY, then you can apply for it through
SBI’s home loans such as the Regular Home Loan, Flexi pay Home Loan, Privilege
Home Loan, and others. Check with the bank whether you can apply for PMAY on
your existing or new home loan .Pradhan Mantri Awas Yojana can help you save
money on your first house. Under the scheme, you can get subsidy of up to Rs.2.67
lakh. The subsidy is available to individuals earning up to Rs.18 lakh per year. The
maximum loan tenure can be 20 years.
12. SBI Surakhsha

State Bank of India's SBI Suraksha is a life insurance policy linked to the bank's
home loan. The premium of this life insurance policy is paid by the bank. The
repayment duration is the same as the tenure of the home loan as Equated Monthly
Instalments (EMI). This is available to new home loan customers and also to
existing home loan customers who have chosen the SBI Life Cover.
Other Housing Loans Offered by State Bank of India
 SBI Home Top Up Loan:9.25% to 10.15%

 SBI Smart Home Top Up Loan:9.75% to 10.15%
 SBI Insta Home Top-Up Loan:9.75%
 SBI Maxgain : Overdraft version of home loans instead of a term loan; allows you to
repay through EMIs, with overdraft drawing power reducing with each payment.
17
 SBI Green Home Loan: Perks for individuals who buy “green homes” in projects that
use renewable energy and have low carbon emissions.
 SBI Pre-EMI Interest by Builders Scheme: Builders registered under the bank’s
Builder Tie Up arrangement pay the buyer’s pre-EMIs at a fixed interest rate.
SBI Home Loan Eligibility Requirements
The loan eligibility criteria for SBI home loans are as given below:
 Eligible Age: Minimum: 18 years; Maximum: 70 years

 Nationality: Resident and Non-resident Indian
Documents Required for SBI Home Loan Application
General for all applicants:
 Duly filled in loan application form

 Three passport-size photographs
 Proof of Residence (one): Latest utility bill or copy of Aadhaar card, driving licence,
or passport Proof of identity (one): Voter ID card, PAN, driver's licence, or pass-
port
 Employer identity card
Proof of income for salaried applicant/guarantor/co-applicant:
 Salary certificate or salary slips for the previous three months

 Copy of IT Returns for the previous two financial years or
 Copy of Form 16 for the previous two years
Proof of income for non-salaried applicant/guarantor/co-applicant:
 IT returns of the previous three years

 Balance Sheet of the previous three years
 Profit & Loss account of the previous three years
 Details of business license or equivalent
 Form 16A or TDS certificate, if applicable
 For professionals: Certificate of qualification
 Proof of business address
Account statement:
18
 Bank account statements of the previous six months for all bank accounts held by ap-
plicant
 Loan account statement of the previous one year if another loan is currently active
Property papers:
 Copy of approved blueprint

 Occupancy Certificate (for ready-to-move property)
 Conveyance Deed (For New Property)
 Permission for construction (where applicable)
 Stamped Agreement for Sale or Allotment Letter Maintenance bill
 Electricity bill
 Property tax receipt
 Approved Plan copy (Xerox Blueprint) & Registered Development Agreement of the
builder, Conveyance Deed (For New Property)
 Bank account statements or payment receipts of payments to seller or builder
 Registered Agreement for Sale (for Maharashtra)
 Share Certificate (for Maharashtra)
How to Apply for SBI Home Loan
You can apply for a home loan from SBI in two simple ways:
1. Offline: Visit the nearest branch of the bank with all the required documents, re-
quest the application form, fill it in correctly, and submit it to the bank official.
2. Online: Visit the official website of SBI and apply online leaving your contact de-
tails on the application form. You will receive a call back from the bank's represen-
tative.
HDFC INTRODUCTION
19
As regards deposit taking activity of HDFC Ltd. (hereinafter referred to as "the
Company"), the viewers may refer to the advertisement in the newspaper/information
furnished in the application form for soliciting public deposits. The company is having a
valid Certificate of Registration dated 31-07-2001 issued under Section 29A of the National
Housing Bank Act, 1987. However, the Reserve Bank of India or the National Housing Bank
does not accept any responsibility or guarantee about the present position as to the financial
soundness of the company or for the correctness of any of the statements or representations
made or opinions expressed by the company and for repayment of deposits/discharge of the
liabilities by the company.
Buying a house is one of the biggest and most important decisions of a lifetime. A good
house is essential for the all-round well-being of a family. Its purchase therefore requires
meticulous planning and careful consideration. You need to assess your requirement and
apply for the most suitable housing loan.
HDFC offers a wide range of housing loans to cater to the varied needs of different sets of
consumers. Our diversified portfolio of loan offerings includes loans for purchase of a new
apartment from a developer or a development authority as well as for purchase of resale
properties.
If you want to construct your own house, you can avail of a loan for the purchase of a plot
and construction thereon.
A home improvement loan facilitates home renovation while you can get a home extension
loan to fund the cost of adding more floors or rooms to your existing house.
On completion of one year of loan repayment, you can apply for a Top-Up Loan for
additional funds which can be used for a variety of personal or professional needs.
We also offer rural housing loans to farmers, agriculturists, planters and horticulturists for
purchase of a residential property in rural and urban areas, construction of a house and
20
improvement or extension of their existing house property.
Another special product is the HDFC Reach Home Loan, designed for individuals who work
in the unorganized sector. Our unique appraisal methodology now makes home ownership
possible for this segment.
First time home owners can benefit from the Pradhan Mantri Awas Yojana Credit Linked
Subsidy Scheme and get a subsidy of uptoRs.2.67 lac on your home loan amount.
Incase you have an existing home loan, you can opt for balance transfer to HDFC and take
the advantage of lower home loan interest rates, better repayment terms and enhanced
services.
You can apply for a loan at your convenience, anytime, anywhere through the ‘Apply Online’
feature on our website. Our online home loan application is a simple 3-step process with easy
document upload, online payment of fees and a quick home loan approval.
HDFC is currently offering home loan interest rates starting from 6.70%* p.a. Customers can
avail these home loan interest rates along with benefits like a longer& loan tenure of up to, 30
years, end to end digital solutions, customized repayment options and much more! To
calculate your EMI visit https://www.hdfc.com/home-loan-emi-calculator To apply now for a
home loan visit https://www.hdfc.com/call-for-new-home-loan
21
CHAPTER-4
REVIEW OF LIYERATURE
Moriizumi. Y. (2000) the impact of wealth on private mortgage debt as well as home con-
sumption in Japan is examined. Housing Survey on Condominiums in the Tokyo Metropoli-
tan Area provided secondary data (HSC). The Urban Housing Corporation and the Ministry
of Construction collaborated to perform the survey during the years 1988 and 1889. In the
22
study, 820 respondents who were under the age of 40 years formed the sample. The data were
analyzed using the simultaneous equation. According to the study, borrowing and the size of
private mortgages were negatively impacted by present wealth. Less borrowing was required
for housing purchases by wealthier households. Wealth had a stronger influence on borrow-
ings than it did on the total amount of debt.
Bernheim. B.D. et al. (2001) studied the long-term impact of requiring financial instruction
in schools on saving and asset accumulation. In-depth information was gathered from 2,000
people who ranged in age from 30 to 49. The chosen respondents completed their high school
education between 1964 and 1983. Several tools, including regression, correlation, and
medium, were utilized to analyze the data. According to the study, students in states where fi-
nancial education has been required for five years have indicated saving rates that are 1.5 per-
cent higher than students in other states that do not require financial education. Statistics
showed that the difference was significant. It shows that as long as laws were in place, they
had a greater impact. The study also showed that it took time for mandates to develop rele -
vant curricula and skills for changing a person's behaviour. Mandates were continuously
gaining
experience, and there was ample time for learning.
Kaur. J. (2004) analyzed the home loan programmes offered by a few housing finance insti-
tutions in Punjab. Additionally, the customer's perspective on housing finance options has
been evaluated. The study's sample included five major financial institutions: HDFC, NHB,
LICHF, SBOP, and PNBHF. In the study, both primary and secondary data were employed.
The primary data was gathered from people of four districts in Punjab and Chandigarh—Pa-
tiala, Ludhiana, Amritsar, and Jalandhar—through the use of well-crafted questionnaires. Uti-
lizing the stratified random selection technique, a sample of 250 respondents was selected.
Secondary data was gathered from sources such as the National Bureau of Statistics publica-
tion, annual reports of HDFC, NHB, LICHF, SBOP, and PNBHF, among others. A variety of
statistical procedures, including average, percentage, growth rates, average weighted score,
ration analysis, and chi square, were used to analyse the Kiran Saroe & Dr. Apar Singh: An
Overview of House Finance in the Light of Literature Survey data.
Nazrine N (2017) in her study ‘A study on awareness4and satisfaction of borrowers of hous-

ing finance in tiruchirappalli’ the objectives were to describe housing finance scenario in In-
23
dia, To examine the loan seeking behavior of the borrowers of the housing finance. Major fo-
cus of her project was on Tiruchirappalli district of Tamil nadu. Data collection was done
through interview schedule, sampling procedure – 500 borrowers of taluk. Statistical tools
used were chi-square test, ANOVA, simple correlation. results of the study have brought out
the borrower attributes that determine borrower satisfaction and awareness.
24
Chellamma T (11th April 2019) in her study ‘An analysis of the performance of HDFC on
housing finance in thoothukudi district and the objectives were to study in detail about hous-
ing finance in India, To study the performance of HDFC at national level and also in
Thoothukudi district, To study the personal profile of the respondents and their opinion to-
wards home loan service of HDFC. Major focus of her study was on thoothukudi district. Re-
search methodology includes primary data collected through questionnaire and secondary
data through bank reports, journals etc. Statistical tools used were Garrett ranking, Mann-
Whitney U test, Kruskal-wallis Test. The demand for housing loan has been rapidly in-
creased. To promote the housing finance industry in India, government has taken many initia-
tives since 1970.
Reddy Sukumar C S (2016) in his study ‘An study on housing finance in Chittoor district,
Andhra Pradesh and the objectives were to review the growth of housing finance in India, To
examine the loan appraisal practices of Housing Fincncial Institutions. Two sets of detailed
structures schedules were prepared to collect the opinions from the borrowers as well as the
officials concerned. Statistical tools used were averages, percentages, ANOVA, T-test, chi-
square. It is clearly understood that majority of sample borrowers are satisfied with their
lending agency.
Berstain David (2009) examined in his study taken from 2001 to 2008 that in this period
there is increase use of home loans as compared to private mortgage insurance (PMI). He
have divided his study into four sections. Section I describes why people are going more for
home loans than PMI, the main reason for this that now home loans market provide piggy
bank loans for those people who don’t have 20% of down payment. Section II tells the factors
responsible for the growth of home loans and the risks on shifting toward home equity market
without any PMI coverage. PMI can protect lenders from most losses environment. Section
III tells the measures in changes of type of loans. For this he have taken the data from the
2001 and 2020 AHS a joint project by HUD and census. Section IV describe the financial sta-
tus of single-lien and multiple-lien households and for this he have taken the survey of con-
sumer finance and show that financial position is more weaker in multiple loans than the sin-
gle loans.
Vandell Kerry D (2008) analysis the sharp rises and then suddenly drops down home prices
from the period 1998-2008. Changes in prices are for the reasons pas such economic funda -
mentals, the problem was not subprime lending, but the Fed’s dramatic reductions, then in-
25
creases in interest rates during the early mid 2000, the housing-boom was concentrated in
those markets with significant increase. Finally, given a model of the factors affecting results
for 200 -2005, we predict that 2006 results will continue to show an increase in the percent -
age of loans that are higher priced when final numbers are released in September 2000.
Marwaha J.S in his article “Affordable housing loans and options, a critical review of Hous-
ing Development Programmes in India” (1990) has critically examined issues and options
with regard to the provision of housing and affordability thereof, particularly for the econom-
ically weaker sections and low income groups of population in India, taking cognizance of
the various policies and programmes in the five year plans of the country. Although housing
policy of the government is to provide housing for the poor, yet the major beneficiaries of the
various housing programmes seem to be middle and higher income groups, mainly due to non
affordability of the poor. Further, the problem of housing is not only quantitative. About 80%
of the rural houses have no basic amenities such as drinking water, bath and latrines, facilities
of disposal of garbage and other wastes etc.
Mahadeva M. and Thara Bai, in their paper entitled “Housing Finance: can commercial
banks meet people’s Housing Finance needs” (2001), have made an attempt to review the
overall policy environment for commercial banks to earmark and provide direct housing fi-
nance to individual households and indirect term loans to public housing agencies. Attempt is
also made to throw light on the sub-targets fixed to spread the benefit of housing allocation to
the needy and neglected sections of the society. The rural areas have continued to suffer with-
out adequate investment in housing activities, while urban and semi urban areas have contin-
ued to garner the housing allocation of commercial banks on a large scale. The present invest-
ment criteria of commercial banks are illogical under the circumstances of high level of hous-
ing deprivation coupled with huge dilapidated housing stock. Hence, it is necessary to hike
the allocations1exclusively for rural areas and to evolve a need based resource distribution
system. Further, the loan cost gap needs to be minimized and funds be lent at lower rates of
interest to stimulate housing activities among low and middle income groups.
Akbar Khan J., in his article entitled “Karnataka’s Housing: Role Model for other Indian
States” (2000), telling the success story of Karnataka in resolving the “Ghar or Makaan”
Problem, considers it to be a role model to other states. Though the housing sector in the
country has been witnessing an annual growth of 30%, India continues to face an acute short -
26
age of housing units, as the demand far exceeds supply. To deal with this problem, govern-
ment has been encouraging individual home ownership by providing various fiscal incentives
in its Budgets. The Government of Karnataka, through its various housing schemes and pro-
grammes such as Ashraya, Ambedkar, Navagrama Ashraya, etc., has achieved a remarkable
progress in providing houses to SCs, STs and other poor sections of the community. The gov-
ernment, through its district administration and by involving rural and urban local bodies, has
been able to implement its housing schemes, successfully. The participation of HUDCO by
way of landing loans is also worth noting. The Karnataka Housing Board (KHB), which was
setup in 1962 to cater to the housing requirement of all classes of urban society, has also been
reformed and strengthened by the government in order to accelerate its housing activities
such as layout formation, group housing schemes, creation of model township, etc.
The study of Vidyavathi K. about HDFC, LICHF, GICHF, Canfin Homes, SBI Home Fi-
nance & Dewan HFL has been conducted in Bangalore city during a period of ten years from
1989- 1999. As remarked by the researcher in her doctoral dissertation, “Role of Urban Hous-
ing Finance Institutions in Karnataka - A Study of Selected Housing Finance Corporations in
Bangalore city” (2002), HDFC has maintained a consistent growth throughout the period,
other HFIs, though experienced high growth during the initial years, later, have received a
setback due to the increased competition. The SBI Home Finance has experienced a negative
growth too, due to the mounting defaults from bulk loan segment.
Chithra and SelinaMuthurani (2016) in their study entitled “Customer Perception towards
Home loan in HDFC Bank-Chennai” studied the satisfaction level of customers about home
loan of HDFC bank and the difficulties faced by the customers at the time of availing home
loan in HDFC bank. Customers were selected on simple random sampling method. The study
found that most of the respondents preferred HDFC bank for its service and low interest rates
and people select the HDFC bank by advertisements, Friends and relatives. The study also re-
veals that most of the customers feel that the interest rate of HDFC is comparatively less than
other banks and HDFC bank also provides better services to its customers.
27
Aarti Varma (2016) conducted “A Study on Customers view and perception towards home
loan” and assessed the customer’s views and perception towards home loan in Bhyandar re-
gion with the main objective to find out consumer perception and socio-economic categories
of customers satisfaction related to home loan and lending practices followed by home loan
company. The sample size includes 200 respondents in Bhyandar region and random sam-
pling technique was used. The study found that maximum people preferred fixed rate of inter-
est and quality of service and minimum rate of interest are the important criteria seen by the
people before taking home loan. The study concluded that banks should provide different
housing loan schemes with smart features like rate of interest, margin etc. for attract more
and more people in rural area and open more number of branches in different cities and tap
the rural areas and also provide counter facility in all banks to helpthecustomers.
Gomathi (2014) in her study entitled “Study on housing loan offered by public sector banks
in Harur Taluk”. The main objective of this study was to ascertain the factors that contribute
to the utilization of the housing loan of various public sector banks and to measure the level
of customer satisfaction in housing loan in various public sector banks. 100 sample respon-
dents were taken for this study. The study suggested that bank should review the housing loan
portfolio at periodical intervals for capturing the new market to avoid risk and for updating
their schemes. The study concluded that the home loan market in India has grown at a rapid
and alarming rate of over 40 per cent over the period of the last four years. Most of the hous -
ing finance companies in India have introduced several new home loan products in order to
meet the needs of a wide variety of customers. The various home loan schemes have market.
The customer can choose that scheme which they feel good for them and has the capacity to
repay it on that specified time period.
Pushpa Sangwan (2012) conducted a comparative analysis of home loans of public and pri-
vate sector banks in India. This study outlined the satisfaction level of customers and prob-
lems faced by them in obtaining home loans. The study has taken four commercial Banks in
chandigarh city namely HDFC Bank,PNB,Union bank of India and ICICI bank.
Prakash. M. (2006) analyzed Salem Urban Co-operative Bank Limited, Salem-1's overall
performance, and home loans given to its employees and members. Secondary data from
Salem Urban Co-operative Bank Limited's annual reports, records, and printed materials were
used for the study, which was conducted from 2000–2001 to 2004–2005. The data were ana-
28
lyzed using statistical tools including trend ratios and percentage of changes. The investiga-
tion showed that the bank was lending more money for homes to its workers and members.
Additionally, although the bank's overall performance was becoming better every year, its net
earnings were falling. According to the survey, Dadagapatty Bank has made the most home
loans out of Salem Urban Co-operative Bank Limited's 14 branches. Thus, it was advised that
for banks to generate more profit, they should extend more home loans for a long time as well
as carry out their duties more effectively.
Gaur. A. (2009) compared the customer satisfaction ratings of SBI Bank and ICICI Bank in
relation to home loans in Haryana. Through a questionnaire, a sample of 120 respondents was
selected from various regions of the state. The data was analysed using percentage methods
and correlation. It was determined that ICICI Bank had superior employees to SBI employees
in terms of character and behaviour, and that ICICI Bank's services were superior to those of
SBI. Additionally, genuine commitments and affordable prices were the main factors con-
tributing to customer satisfaction, while hidden fees were the main cause of dissatisfaction.
29
Natarajan. Y. (2010) examined the non-banking financial institutions' performance in rela-
tion to the approval and distribution of housing loans. Additionally, the Madurai District had
also looked at the respondents' perspectives on housing finance. Five non-banking financial
organizations were chosen for the study, including LIC Housing Finance Limited (LICHFL),
Dewan Housing Finance Limited (DHFL), Housing Development Finance Corporation Lim-
ited (HDFC), Canfin Housing Finance Limited (CANFIN), and GIC Housing Finance Lim-
ited (GICHFL). A questionnaire was used to create a sample of 750 responses. The secondary
data was gathered from books, HUDCO, journals, newspapers, magazines, annual reports of
various housing finance organizations, the National Housing Bank, and websites. The data
were analyzed using statistical tools such as the Chi-Square Test, Discriminant Function
Analysis, Factor Analysis, ANOVA, and Henry Garrett Ranking Technique Mean and Stan-
dard Deviation. According to the study, the majority of respondents experienced loan dis-
bursement delays, which were caused by a delay in providing the financial institution with
the completion certificate. But Canfin and HDFC moved quickly to disburse the loan. The
study also showed that the respondents who had selected the floating interest rate believed the
penalty assessed for failing to pay the monthly installment was fairly significant.
Nadda. J. (2013) did a comparison of house loan offerings from commercial and public sec-
tor banks in Shimla, Himachal Pradesh. Additionally, customer satisfaction rates and cus-
tomers' opinions of borrowers toward Shimla-area banks had been researched. State Bank of
India, LIC, and HDFC were used for the analysis. With the aid of a carefully constructed
questionnaire, a sample of 200 responses was obtained. The department of economics and
statistics, yearly reports from various banks, and managers who work with home loan prod-
ucts were all used to gather secondary data. Several statistical tools, including the z-test, T-
test, chi-square test, and F-test, were used to analyze the data. According to the study, public
sector banks outperformed private sector banks in terms of services, personnel skill levels,
adherence to laws and regulations, and branch locations. Additionally, private banks offered
better customer service, and staff in the private sector were more knowledgeable about their
products than those in the public sector.
Varma. A. (2015) examined how consumers felt about house loans and made an effort to
comprehend how different socioeconomic groups felt about them. The companies offering
home loans in the Bhyandar region were the subject of the study. 200 potential clients made
up the sample, which was selected at random. The study was based on primary data that was
gathered through the use of questionnaires. The survey found that for clients without the re -
30
quired documented proof, the house loan application process was challenging and time-con-
suming. Additionally, it was shown that most people preferred fixed interest rates. The inves-
tigation concluded that customers were generally happy with the way banks handled them.
Singh. B. and Singh. P. (2017) found characteristics that customers in Punjab considered
while choosing a home loan institution and carefully evaluated those criteria. A questionnaire
was used to gather primary data for the study from three cities in Punjab: Amritsar, Ludhiana,
and Jalandhar. 102 respondents were included in a convenience and judgment sampling ap-
proach sample. The data were analyzed statistically using a factor analysis technique. The
study identified three variables that influenced customers' decisions when choosing a home
loan product: "Quick and bigger loan amount with cheap charges," "Loan Formalities, cost
and amenities," and "Fee and penalty." The most crucial aspect among these was "Loan For-
malities, Cost, and Facilities.
31
Aturamu. O.B. (2018) examined the issues, difficulties, and obstacles that housing microfi-
nance stakeholders faced. Important success variables for achieving scale were also found in
addition to this. The most important elements were discovered using content analysis and de-
scriptive analysis. Government Policies, Public Perception, and Bank Processes were shown
to be the three key variables. Government-implemented policies were advised to recognize
incremental construction through housing microfinance as the option would acknowledge
this. This represented the procedures used by banks to process mortgage loans and had an im-
pact on how the public perceived housing microfinance. Additionally, this reduced opera-
tional costs for banks and allows microfinance institutions to expand their housing portfolio.
Gomathi. C. (2019) investigated the degree of satisfaction, issues experienced, and level of
knowledge of Dharmapuri district housing financing borrowers. By applying the judgment
sampling technique, primary information was gathered from 1025 borrowers using a well-
crafted questionnaire. The internet, newspapers, books, and journals were used to gather sec-
ondary data. The Z test, ANOVA, Chi-Square, Multiple Regression, Factor Analysis, SEM,
and Correlation were all used to analyze the data. According to the survey, services offered
by housing finance institutions were generally quite good, and their procedures and goods
worked well. However, there was no upgrade to the repayment mechanism, and debtors were
not informed of changes to interest rates or RBI recommendations. Additionally, prepayment
fees and progressive funding were important considerations for customers when choosing a
mortgage lender. Furthermore, the majority of borrowers were ignorant of the variety of
housing loan options that some institutions offered.
Gajbhiye P.G. (2022) looked into the essential elements of housing loan programmes
provided by public and private sector banks as well as how clients felt about the programmes
they might use. Additionally, customer satisfaction is looked at. Using the convenience
sampling method, 104 bank employees, 52 from the public sector, 52 from the private sector
and, 1260 home loan borrowers from Pune city were obtained from the four public and
private banks. Of these, 630 were customers of the public sector banks and 630 were
customers of the private sector banks. Inconsistencies between borrowers of loans from
nationalized banks and those from private banks were found in the study. Customers of
nationalized banks are more likely to find that all factors influence their choice of loan when
it comes to the ease of documentation, but customers of private banks are more likely to find
32
that just the loan size and prepayment possibilities have the most influence. Additionally,
both
.
De Paul Singh (2001) in his study entitled “Consumer Behaviour and Bank Retail
products an Analysis “stresses that, the borrower attitude is an important factor for the
improvement of housing loan schemes”.
H DrRangarajan C (2001) said that, “the financial system of India built a vast
network of financial institutions and markets over times and the sector is dominated by
banking sector which accounts for about two-third of the assets of organised financial
sectors”.
P.K.Manoj (2004), examined on the growth and development of housing finance

system in India. He also emphasized the importance of housing to the economy and prospects
of housing finance industry. He found the risk factors and issues involved in aggressive
lending to housing due to cut-throat competition, and the peculiar features of the existing
regulatory and legal system. And he suggested that measures should be taken to promote
active mortgage backed securitization market in India, which can further strengthen our
housing finance system and make it more competitive.
Housing Policy Department, NABH (2009) in a study examined the local impact of
home building in a typical metro area. According to this study house building generates
various local activities like job for local residents and revenue for the local governments. A
model developed by National Association of Home Builders to estimate the economic
benefits. This model was applied to construction in over 500 projects, local jurisdiction, and
states across the country. The results of the model showed that house building produce
impacts income and employment of the country.
Favilukis, Ludvigson and Nieuwerburgh (2011) examined the macroeconomic

effects of housing wealth, housing finance and limited risk sharing in general equilibrium.
The study examined a twosector general equilibrium model of housing and non-housing
production. Because of limited financial market, households face limited risk sharing
opportunities. Home prices declined in 2007 because of economic contraction. The model
showed that pro cyclical increased in equilibrium price rent
33
Garg, Dr. Shiv Kumar and Kumar, Dr.Gajendra (2014), reported in their paper
that due to bank reforms, government encouraged banking sectors to identify housing finance
sector and its importance in lending. They stated that Housing finance sector is the fastest
growing segment of the retail financing sector. The paper resulted out that agencies of Public
sector housing finance companies, Private sector housing companies and banks are
competitors in housing finance market.
Shankar, E. (2014), observed that the population is striving hard to find a shelter in
our country so commercial banks have been continuously directed to Finance the housing
Schemes launched by Central and State Governments. In his paper he attempted to study the
role played by Scheduled Commercial Banks in meeting the housing financial requirements
at Macro level..The role of Scheduled commercial banks have been clearly analysed and its
significance in providing housing finance has been stated.
34
CHAPTER-5
35
RESEARCH METHODOLOGY
Meaning
Research is defined as careful consideration of study regarding a particular concern

or problem using scientific methods. According to the American sociologist Earl Robert
Babbie, “research is a systematic inquiry to describe, explain, predict, and control the
observed phenomenon. It involves inductive and deductive methods.” Inductive research
methods analyze an observed event, while deductive methods verify the observed event.
Inductive approaches are associated with qualitative research, and deductive methods are
more commonly associated with quantitative analysis. Research is conducted with a purpose
to:
● Identify potential and new customers
● Understand existing customers
● Set pragmatic goals
● Develop productive market strategies
● Address business challenges
● Put together a business expansion plan
● Identify new business opportunities
Research Design :
A research design is a strategy for answering your research question using empirical data. A
well-planned research design helps ensure that your methods match your research aims and
that you use the right kind of analysis for your data. The research will be carried out in the
form of a survey which will be done in Vellore. Sample Design: The target population for our
study is people living in Vellore. The sample will be selected by a simple random sampling
method. Sample size :
The sampling unit is 100.
Data collection
The study is based on both primary and secondary data. The primary data is collected
through the statement questionnaire with the Maggi Noodles users in Vellore City. The
36
secondary data is collected through the various secondary published sources like books,
journals, magazines, newspapers, websites etc.
Tools used for data analysis : Analysis techniques are used to obtain findings and arrange
information in a logical sequence from the raw data collected. After the tabulation of the data
the tools provide a scientific and mathematical solution to a complex problem.
Percentage analysis :
It shows the entire population in terms of percentage. It reveals the number of

belongings in a particular category or the number of respondents preferring a particular
option in this study. The number of persons who responded to the particular option is
interpreted in the form of percentage.
No. of the respondents
Percentage =__________________________ x 100
Total respondents
37
CHAPTER-6
38
DATA ANALYSIS AND INTERPRETATION
TABLE-6.1-GENDER OF RESPONDENTS
NO OPTION NO OF RESPONSE PERCENTAGE OF
RESPONSE
1 MALE 75 75%
2 FEMALE 25 25%
TOTAL 100 100%
Source: Primary data
INTERPRETATION:
According to the above analysis it is concluded that 100 respondents out of which
75%ts are male and of the respondents are male and 25% of the respondents are female
CHART -6.1-GENDER OF RESPONDENTS
MALE FEMALE
25
75
39
TABLE-6.2-AGE OF RESPONDENTS
NO OPTION NO OF PERCENTAGE OF
RESPONDENTSNTS RESPONDENTSNTS
1 16-20 55 55%
2 21-25 25 25%
3 26-30 17 17%
4 30-35 3 3%
TOTAL 100 100%
INTERPRETATION:
According to the above analysis it is concluded that 100 respondents out of which
55% of respondents belongs to 16-20age 25% of respondents belongs to 21-25age of which
17% of respondents belongs to 26-30age,3% of respondents belongs to 30-35 age
CHART-6.2-AGE OF RESPONDENTS
3; 3%
17; 17%
16-20
21-25
55; 55% 26-30
30-35
25; 25%
40
TABLE-6.3-YEAR OF TAKING HOME LOANS
RESPONDENTS RESPONDENTS
1 ONE YEAR 35 35%
2 TOW TO THREE YEARS 30 30%
3 THREE YEARS TO FOUR 25 25%

YEAR
4 MORE THAN FOUR YEARS 10 10%
TOTAL 100 100%
INTERPRETATION:
According to the above analysis it is concluded that 100 respondents out of Which
35% are one year, 30 are Two to year,25% are three years to four year,10% more than four
years.
CHART 6.3-YEAR OF TAKING HOME LOANS
TABLE-6.4-REASON FOR TAKING HOME LOAN FROM SBI BANK

1 FASTER PROCESSING 40 40%
2 INTEREST RATES 25 25%
3 BRAND IMAGE OF THE 15 15%
BANK
4 MARGIN AMOUNT 12 12%
5 OTHER 8 8%
Total 100 100%
INTERPRETATION:
According to above analysis it is concluded that 100 respondent out of which 40% of
than faster processing, 25% of than Interest rates, 15% of than brand image of the bank, 12%
of than margin amount, 8% of than others.
41
NO OF RESPONSE PERCENTAGE OF RESPONSE Series 3
35
30
25
10
35%
30%
25%
10%
ONE YEAR TOW TO TH R EE YEARS TH REE YEAR S TO FOUR MORE TH AN FOUR
YEAR YEAR S
CHART -6.4-REASON FOR TAKING HOME LOAN FROM SBI BANK
OTHER
8%
8
MARGIN AMOUNT
12%
12
BRAND IMAGE OF THE BANK

15%
15
INTEREST RATES
25%
25
FASTER PROCESSING
40%
40
0 5 10 15 20 25 30 35 40 45
PERCENTAGE OF RESPONSE NO OF RESPONSE
42
TABLE-6.5-STATE THE INTEREST RATRS CHARGED BY SBI BANK IS
PAYABLE
NO OPTION NO OF RESPONDENTS PERCENTAGE OF

RESPONDENTS
1 STRONGLY AGREE 50 50%
2 AGREE 20 20%
3 NEUTRAL 15 15%
4 DISAGREE 10 10%
5 STRONGLY 5 5%
DISAGREE
TOTAL 100 100%
Source: primary data
INTERPRETATION:
According to the above analysis it is concluded that 100 respondents out Of which
50% of than strongly agree,20% of than agree, 15 % of than disagree, 10% of than strongly
disagree.
CHART-6.5-STATE THE INTEREST RATRS CHARGED BY SBI BANK IS

PAYABLE
NO OF RESPONCE PERCENTAGE OF RESPONCE Column3

50
20
15
10
5
50%
20%
15%
10%
5%
STRONG L Y AG R EE AG R EE NEUTR AL D I SAG R EE STRONG L Y

D I SAG R EE
43
TABLE -6.6-STATE THE EMI OF BANK IS SATISFIED
N OPTION NO OF RESPONDENTS PERCENTAGE OF

O RESPONDENTS
2 AGREE 30 30%
3 NEUTRAL 14 14%
4 DISAGREE 11 11%
5 STRONGLY 5 5%
DISAGREE
TOTAL 100 100%
INTERPRETATION:
According to the above analysis it is concluded that 100 respondents Out which 40%
of than strongly agree, 30% of than agree, 14% of than neutral, 11% of than Disagree, 5% of
than strongly disagree.
CHART-6.6-STATE THE EMI OF BANK IS SATISFIED
45
40
35
30
25
2040
15 30
10
14
5 11
5
40%
0 30% 14% 11% 5%
STRONGLY AGREE AGREE NEUTRAL DISAGREE STRONGLY DISAGREE
NO OF RESPONCE PERCENTAGE OF RESPONCE
44
TABLE-6.7-THE TYPE OF HOME LOAN YOU HAVE TOOK FORE SBI BANK

RESPONDENTS
1 NEW 45 45%
2 RESALE 30 30%
3 TAKE OVER 15 15%
4 TOP UP 10 10%
TOTAL 100 100%
INTERPRETATION:
of than new, 30% of than resale, 15% of than take over, 10% of than top up.
CHART-6.7-THE TYPE OF HOME LOAN YOU HAVE TOOK FORE SBI

BANK
50
45
40
35
30
25
20
15
10
PERCENTAGE OF RESPONCE
45
TABLE-6.8-STATE THE PROCESSING FEES OF SBI BANK IS AFFORTABLE

O RESPONDENTS
2 AGREE 23 23%
3 NEUTRAL 17 17%
4 DISAGREE 15 15%
5 STRONGLY 11 11%
DISAGREE
TOTAL 100 100%
INTERPRETATION:
According to the above analysis it is concluded that 100 respondents Out
which 34% of than strongly agree, 23% of than agree, 17% of than neutral, 15% of than
disagree, 11% of than strongly disagree.
CHART-6.8-STATE THE PROCESSING FEES OF SBI BANK IS AFFORTABLE
40
35 34
30
25 23
20
17
15
15
10
0
STRONGLY AGREE AGREE NEUTRAL DISAGREE
NO OF RESPONDENTS PERCENTAGE OF RESPONCE
46
TABLE-6.9-STATE THE SANCTIONING PROCEDURE OF SBI BANK IS EASY

O RESPONDENTS
2 AGREE 24 24%
3 NEUTRAL 20 20%
4 DISAGREE 15 15%
5 STRONGLY 6 6%
DISAGREE
TOTAL 100 100%
INTERPRETATION:
of than strongly agree, 24% of than agree, 20% of than neutral, 15% of than Disagree, 6% of
than strongly disagree.
CHART-6.9-STATE THE SANCTIONING PROCEDURE OF SBI BANK IS EASY
47
DISAGREE
NEUTRAL
AGREE
STRONGLY AGREE
0 5 10 15 20 25 30 35 40
PERCENTAGE OF RESPONCE Series3
TABLE-6.10-THE BANK YOU DEPENT FOR REGULAR TRANSACTION
1 SBI 50 50%
2 ICICI BANK 25 25%
3 HDFC BANK 15 15%
4 OTHER BANK, SPECIFY 10 10%
TOTAL 100 100%
INTERPRETATION:
of than SBI, 25% of than ICICI BANK, 15% of than HDFC BANK, 10% of than others bank,
specify.
CHART -6.10-THE BANK YOU DEPENT FOR REGULAR TRANSACTION
48
50
25
15
10
50%
25%
15%
10%
SBI I C I C I BANK H D FC BANK OTH ER BANK , SP EC I FY
TABLE-6.11-ARE YOU AWARE OF THE ADVANCE PRODUCTS OF SBI BANK
1 YES 70 70%
2 NO 30 30%
TOTAL 100 100%
INTERPRETATION:
According to the above analysis it is concluded that 100 respondents Out which
70%OF than YES, 30 of than No.
CHART-6.11-ARE YOU AWARE OF THE ADVANCE PRODUCTS OF SBI BANK
49
70
30
70% 30%
YES NO
TABLE-6.12-STATE THE FORE CIOSURE CHARGES OF SBI BANK

RESPONDENTS
2 AGREE 20 20%
3 NEUTRAL 18 18%
4 DISAGREE 12 12%
5 STRONGLY 8 8%
DISAGREE
TOTAL 100 100%
INTERPRETATION:
42% of than strongly agree, 20% of than agree, 18% of than neutral, 12% of than disagree,
8% of than strongly disagree.
CHART-6.12-STATE THE FORE CIOSURE CHARGES OF SBI BANK
50
Column2 Column1
42
20
18
12
8
42%
20%
18%
12%
8%
0%
0
0
0
TABLE-6.13-BANK YOU PREFER MOST FOR LOAN AGAINST PROPERTY
1 KOTAK MAHINDEA BANK 45 45%
2 HDFC LOANS 20 20%
3 ICICIBANK 15 15%
4 HSBC BANK 12 12%
5 OTHERS 8 8%
TOTAL 100 100%
source: primary data
INTERPRETATION:
of than kotak Mahindra bank, 20% of than HDFC loans, 15% of than ICICI,12% of than
HSBC bank, 8% of than others.
CHART-6.13-BANK YOU PREFER MOST FOR LOAN AGAINST PROPERTY
51
50
45
40
35
30
25
20
15
10
0
KOTAK MAHINDEA BANK HDFC LOANS ICICIBANK HSBC BANK OTHERS
NO OF RESPONDENTS PERCENTAGE OF RESPONSE
TABLE-6.14- YEARLY INCOME GROUP

O RESPONDENTS
1 BELOW 2 LAKHS 55 55%
2 2-4 LAKHS 20 20%
3 4-6 LAKHS 15 15%
4 6 LAKHS AND 10 10%
ABOVE
TOTAL 100 100%
INTERPRETATION:
BELOWS 2 lakhs,20 % of than 2-4 LAKHS, 15% of than 4-6 LAKHS , 10% Of than 6
LAKHS and above.
CHART-6.14 YEARLY INCOME GROUP
52
10%
10%
15%
15%
BELOW 2 LAKHS
2-4 LAKHS
55% 4-6 LAKHS
55% 6 LAKHS AND ABOVE
20%
20%
TABLE-6.15-AWARE OF THE HOME LOAN PRODUCT OF BANKS

N OPTION NO OF PERCENTAGE OF
O RESPONDENTS RESPONDENTS
1 ICICI 30 30%
2 HDFC 25 25%
3 PNB 20 20%
4 SBBJ 16 16%
5 OTHERS 9 9%
TOTAL 100 100%
INTERPRETATION:
of than ICICI, 25% of than HDFC, 20% of than PNB, 16% of than SBBJ , 9% of than others.
CHART-6.15-AWARE OF THE HOME LOAN PRODUCT OF BANKS
53
35
30
25
20
1530
25
10 20
16
5 9
30%
0 25% 20% 16% 9%
ICICI HDFC PNB SBBJ OTHERS
TABLE-6.16 ARE YOU SATIFIED WITH SBI BANK HOME LOANS

1 YES 75 75%
2 NO 25 25%
TATAL 100 100%

INTERPRETATION:
75%OF than YES, 25 of than No.
CHART-6.16 ARE YOU SATIFIED WITH SBI BANK HOME LOANS
54
NO OF RESPONCE PERCENTAGE OF RESPONSE
80
75%
70
60
50
40
75
30
25%
20
25
10
0
YES NO
TABLE-6.17-BANK’S HOME LOAN PRODUCT YOU FIND MOST RELIABLE
1 ICICI 33 33%
2 HDFC 27 27%
3 PNB 17 17%
4 SBBJ 12 12%
5 OTHERS 11 11%
TOTAL 100 100%
INTERPRETATION:
of than ICICI, 27% of than HDFC, 17% of than PNB,12% of than SBBJ, 11% of than others.
CHART-6.17-BANK’S HOME LOAN PRODUCT YOU FIND MOST RELIABLE
55
OTHERS
11%
11
SBBJ
12%
12
PNB
17%
17
HDFC
27%
27
ICICI
33%
33
0 5 10 15 20 25 30 35
PERCENTAGE OF RESPONCE NO OF RESPONCE
TABLE-6.18-HAVE YOU EVER TAKEN HOME LOAN
1 YES 80 80%
2 NO 20 20%
TATAL 100 100%
INTERPRETATION:
of than YES, 20 of than No.
CHART-6.18-HAVE YOU EVER TAKEN HOME LOAN
56
NO OF RESPONCE PERCENTAGE OF RESPONSE
80%
80
20%
20
YES NO
TABLE-6.19-WHILE TAKING HOME LOAN, THAT THINGES ATTRACT YOU

THE MOST
2 SERVICE PROVIDED 22 22%
3 PAY BACK PERIOD 15 15%
4 SCHEME 10 10%
5 OTHERS 9 9%
TOTAL 100 100%
INTERPRETATION:
of than interest rates, 22% of than services provided ,15% of than pay backperiod,10% of
than scheme, 9% of than others.
57
CHART-6.19-WHILE TAKING HOME LOAN, THAT THINGES ATTRACT YOU
THE MOST
9%
10%
INTEREST RATES
44% SERVICE PROVIDED
PAY BACK PERIOD
15%
SCHEME
OTHERS
22%
TABLE-6.20-IN NEAR FUTURE WOULD YOU BE INTERESTED TO TAKE HOME

LOAN
NO OPTION NO OF RESPONSE PERCENTAGE OF

RESPONSE
1 YES 55 55%
2 NO 30 30%
3 CAN’T SAY 15 15%
INTERPRETATION:
of than YES, 30 of than No, 15%of than can’t say
CHART-6.20-IN NEAR FUTURE WOULD YOU BE INTERESTED TO TAKE

HOME LOAN
58
60
55%
50
40
30 30%
55
20
30
10
0 0%
0 0%
0 0%
0
YES NO
NO OF RESPONSE PERCENTAGE OF RESPONSE
TABLE-6.21-HOME LOAN TENURE HAVE YOU CHOOSEN
1 144 MONTHS 40 40%
2 360 MONTHS 30 30%
3 240 MONTHS 25 25%
4 OTHERS 5 5%
TOTAL 100 100%
INTERPRETATION:
of than 144 months, 30% of than 360 months, 25% of than 240 months, 5%Of than others.
CHART-6.21-HOME LOAN TENURE HAVE YOU CHOOSEN
59
OTHERS 5%
5
240 MONTHS 25%

25
360 MONTHS 30%

30
144 MONTHS 40%

40
0 5 10 15 20 25 30 35 40
PERCENTAGE OF RESPONCE NO OF RESPONCE
TABLE-6.22-THINGS THAT ATTRACTED YOU FOR TOOK HOME LOAN IN SBI

BANK
2 SCHEMES 25 25%
3 SERVICE PROVIDED 15 15%
4 OTHERS 10 10%
TOTAL 100 100%
INTERPRETATION:
of than interest rates, 25% of than scheme, 15% of than services provided, 10% of than
others.
60
CHART-6.22-THINGS THAT ATTRACTED YOU FOR TOOK HOME LOAN IN SBI
BANK
60 60%
50 50%
40 40%
30 30%
20 20%
10 10%
0 0%
INTEREST RATES SCHEMES SERVICE PROVIDED OTHERS
NO OF RESPONCE
61
CHAPTER-7
62
FINDINGS
 75% of respondents are male

 55% of respondents are belongs to 16-20 years
 35% of respondents are the year of taken home loan from SBI Bank for one year
 40% of respondents are fast processing reason for taking home loan SBI Bank
 50% of respondents are strongly agree the interest rates charged by SBI Bank is pay-
able
 40% of respondents are strongly agree the EMI of SBI Bank
 45% of respondents are the New type of home loan you have took from SBI Bank
 34% of respondents are the strongly agree processing fees of SBI Bank is affectable
 35% of respondents are strongly agree the sanctioning procedure of SBI Bank is easy
 50% of respondents are the SBI is bank you depend for your regular transaction
 70% of respondents are you aware of the advance products of SBI Bank is YES
 42% of respondents are strongly agree the force closure charges of SBI Bank
 45% of respondents are Bank you prefer most for loan against property with Kotak
Mahindra bank
 55% of respondents are your yearly income group with Below 2 lakhs
 30% of respondents are you aware of the home loan product of any of the following
bank with ICICI
 75% of respondents are you satisfied with SBI bank home loans YES
 33% of respondents are Bank ‘s home loan product you find most reliable with ICICI
 80% of respondents are have you ever taken home loan with YES
 44% of respondents are Interest rates taking home loan, that things attract you the
most
 55% of respondents are near future would be interested to take home loan with YES
 40% of respondents are home loan tenure have you chosen with 144 Months
 50% of respondents are interest rates attracted you for took home loan in SBI Bank
63
SUGGESTIONS
 The management of the SBI should conduct more product and services awareness
campaign.
 Since majority of the customer using savings account deposits in every bunk So the
bank management should think of introducing new schemes regarding savings ac-
count and marketing those to the customers
 The SBI should increase the level of providing personal attention to individual cus-
tomers
 Advertisements of the SB bank are very less compared to other competitors. It may
lead to switching on other banks. So the SBI management should promote more ad-
vertisement through various advertisement channels.
 In loan documentation procedure is not lengthy but most financial services providers use
traditional technique, so they have use online documentation technology.
 Most of the customers they give suggestion to SBI that staff is not cooperative to cus -
tomers in any queries. So SBI staff should firstly work in supportive manner.
 Most of the customers are satisfied with sanctioning loan time but financial services
providers reduce sanctioning time.
 Company has to create a sense of security among the customers regarding bank deposits,
future of bank, because most of the people fear about security.
64
CONCLUSION
This research is based on the SBI home loan So all customer belongs to SBI only, it
can be concluded that proposal of home loan is very customer friendly, rate of interest of
reasonable, loan procedure is also easy. Any lay man customer can understand & trust on SBI
as a brand as it’s every Indians bank. But still average customer facing problems of
documentations, procedures etc.
However all types of loans like New, Resale, Takeover, Top up etc. taken from SBI. Services
given by bank on the basis of loan are very effective but still many customers are facing good
service facility on pan India level though quantum ,size of customers are huge so it may
difficult for any organization to handle each customer promptly. Every problem has its own
solutions so research on his own level given suggestions what observed practically. It’s
difficult to suggest any thing to such a big institutions but some small suggestions are there
for betterment in future
The banking sector is undergoing major changes due to competition and the advent of
technology. The customers are looking for better and quality services which would enhance
their satisfaction. From the above analysis, it is clear that the SBI hank caters most of the
customer needs and it's has satisfied majority of its customers. SBI bank has many positive
features and satisfies most of the customer needs by the services offered. In spite of this fact,
it has been observed that many customers are not aware of all sorts of facilities provided by
SBI. Thuse the SBI bank should make better awareness campaigns.
65
BIBLIOGRAPHY
66
BIBLIOGRAPHY
1. Nephi‟s 1999. How to Borrow from Banking and Financial Institutions, (10thed.)
New Delhi: A Nephi publications,
2. Santos Kumar Adhikari, The lending Banker, Calcutta: J.N.Ghash and sons.
3. Thane lingam, N.1985 Research methodology, Rainbow publications, Coimbatore.
4. Versgney, P.N.1997. Banking Law and Practices. (34thed) New Delhi: Sultan Chan &
Sons.
5. P.N.VARSHNEY and D.K.MITTAL.2003 Indian Financial system, Chennai
6. D.JOSEPH Anabas, V.K.Boominathan, P.Manoharan and G.Gnanaraj. 2010. Finan-
cial Service.
7. Sinivasan K.L.2000. A Project on Housing Finance, How SBI cans Establish Leader-
ship. SBI – STC paramour Chennai.
8. Palanisamy. K.2000. A Project on challenges Ahead. SBI – STC Paramour Chennai.
9. Dr.S.Hasanbanu and V.Jeya shree, “A comparative study on factors influencing Hous-
ing loan Borrowers of public and private sector Banks in Uthanapalayam Talus”.
K.K.R.H. Colleges Uthamapalayam. Tamilnadu.
10. M.Vijayakumar and Dr.B.Subburaj, “Housing Finance – An Analysis of post pur-
chase Behavior of consumers”. Gandhi gram Rural University, Indigo, TamilNadu.
11. www.sbi.org.in
12. www.canara.org.in
13. www.iob.org.in
14. www.icici.org.in
15. www.hdfc.org.in
16. www.Housing loan @ google.co.in
17. www.hdfc instant home loans.com
67
QUESTIONNAIRE
68
1.Name
_________________________________
Required
2. Gender
o Male
o Female
o Transgender
Required
3. Age Category
o 16-20 years
o 21-25 years
o 26-30 years
o 30 above
Required
4. Email ID
5. Education
o High school
69
o Higher secondary
o Bachelor Degree
o Master Degree
o others
6. State the year of taken Home Loan from SBI Bank

a. One Year Before
b. Two to Three Years Before
c. More than Three Years Before
d. More than four year
7. Reason for taking Home Loan from SBI Bank
a. Faster Processing
b. Interest Rates
c. Brand image of the Bank
d. Margin Amount
e. Others
8. state the Interest rates charged by SBI Bank is payable
a. Strongly agree
b. Agre
c. Neutral
d. Disagree
e. Strongly disagree
9. state the EMI of SBI Bank

a. Strongly agree
b. Agree
c. Neutral
d. Disagree
10.The type of home loan you have took from SBI bank
a. New
70
b. Resale
c. Take over d. Top up
11. state the Processing Fees of SBI Bank
a. Strongly agree
b. Agree
c. Neutral
d. Disagree
12. state the Sanctioning Procedure of SBI Bank is easy

a. Strongly agree
b. Agree
c. Neutral
d. Disagree
13. The bank you depend for your regular transaction

a. SBI
b. ICICI bank
c. HDFC bank
d. Other bank, specify(____________)
14. Are you aware of the advance products (loan segments) of HDFC bank?
a. Yes
b. No
15. State rate the Fore Closure Charges of SBI Bank
a. Strongly agree
b. Agree
c. Neutral
d. Disagree
71
16. Bank do you prefer most for Loan against property
a. Kotak Mahindra Bank
b. HDFC Loans
c. ICICI Bank
d. HSBC Bank
e. Others: __________
17. income group

a. Below 2 lakhs
b. 2-4 lakhs
c. 4-6 lakhs
d. 6 lakhs and above
18. Are you aware of the home loan product of any of the following banks
a. ICICI
b. HDFC
c. PNB
d. SBBJ
e. Others
19.Are you satisfied with ICICI bank home loans?
a. Yes
b. No
20. Which Banks’s home loan product do you find most reliable
a. ICICI
b. HDFC
c. PNB
d. SBBJ
e. Others
21. Have you ever taken home loan
72
a. yes
b. No
22. While taking home loan, which things attract you the most
a. Interest rates
b. Service Provided
c. Pay back period
d. Scheme
e. Others
23. In near future would you be interested to take home loan
a. Yes
b. No
c. Can’t say
24. Which home loan tenure have you chosen

a. 144 months
b. 360 months
c. 240 months
d. above
25. Things attracted you for took home loan in SBI Bank
a. Interest Rate
b. Schemes
c. Services providers
d. others
73
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“A STUDY ON CONSUMER PRECEPTION TOWARD SBI BANK HOME LOANS

DEPARTMENT OF BUSINESS ADMINISTRATION

This is to certify that the project entitled “A STUDY ON CONSUMER’S

Submitted to project and Viva voce Examination held

GUIDE AND SUPERVISOR HEAD OF THE

INTERNAL EXAMINER EXTERNAL EXAMINER

I am MOHAN. A ( ENROLLMENT NO:32120U08020) here by declare that the

I owe my sincere sense of thanks to our beloved Dr. J. MOHANALAKSHMI

I am indebted to my guide Dr. V. SENBAGA PRIYA, M. Com., M. Phil., M. B.

SERIAL CONTENT PAGE

CHAPTER-2 OBJECTIVES, NEEDS, SCOPE, LIMITATION

CHAPTER-3 COMPANY PROFILE

CHAPTER-4 REVIEW OF LITERATURE

CHAPTER-5 RESEARCH METHODOLOGY

CHAPTER-6 DATA ANALYSIS AND INTERPRETATION

CHAPTER-7 FINDING, SUGGESTION, CONCLUSION

6.1 GENDER OF RESPONDENTS

6.6 STATE THE EMI OF BANK IS SATISFIED

6.7 THE TYPE OF HOME LOAN YOU HAVE TOOK

6.9 -STATE THE SANCTIONING PROCEDURE OF

6.11 ARE YOU AWARE OF THE ADVANCE

6.12 STATE THE FORE CIOSURE CHARGES OF SBI

6.15 -AWARE OF THE HOME LOAN PRODUCT OF

6.21 -HOME LOAN TENURE HAVE YOU CHOOSEN

6.22 THINGS THAT ATTRACTED YOU FOR TOOK

6.6 STATE THE EMI OF BANK IS SATISFIED

6.7 THE TYPE OF HOME LOAN YOU HAVE

6.9 STATE THE SANCTIONING PROCEDURE

6.11 ARE YOU AWARE OF THE ADVANCE

6.12 STATE THE FORE CIOSURE CHARGES OF

6.15 AWARE OF THE HOME LOAN PRODUCT

6.21 HOME LOAN TENURE HAVE YOU

6.22 THINGS THAT ATTRACTED YOU FOR

A bank defines as financial institution that provides financial services to their

The current process of transformation should be viewed as an opportunity to convert

What are the benefits of a Home Loan?

What are some important factors to consider for a Home Loan?

Types of home loan: -

1. Home loan for improvement:

2. Home extension loan: -

3. Home purchase loan:-

5. NRI home loan: -

6. Land purchase loan: -

7. Home construction loan: -

NEED OF THE STUDY

SCOPE OF THE STUDY

NEED OF THE STUDY

SBI Home Loan Schemes

1. SBI Regular Home Loan

11. SBI Pradhan Mantri Awas Yojana Subsidy Scheme

12. SBI Surakhsha

Other Housing Loans Offered by State Bank of India

 SBI Home Top Up Loan:9.25% to 10.15%

SBI Home Loan Eligibility Requirements

 Eligible Age: Minimum: 18 years; Maximum: 70 years

Documents Required for SBI Home Loan Application

General for all applicants:

 Duly filled in loan application form