A STUDY OF LOAN ADVANCES WITH SPECIAL REFERENCE TO HOME LOAN

Summer Internship Project
Study Of Loan And Advances With Special Reference To
Home Loan
At
The Kalupur Commercial Co-Op Bank Ltd
Submitted to
Institute Code 832
Oakbrook Business School
Under the guidance of
Ms Anjali Panicker
Assistant Professor
In partial Fulfillment of the Requirement of the award of the degree of
Master of Business Administration (MBA)
Offered By
Gujarat Technological University
Ahmedabad
Prepared by:
Ankajkumar Maurya
188320592060.
MBA (Semester - III)
July & 2019

OAKBROOK BUSINESS SCHOOL
Plot No. 225, Opp. Maharaj Hotel Lane, Jamiyatpura Road, Sarkhej
Gandhinagar Highway PO: Jamiyatpura, Gandhinagar-382423
Gujarat-, INDIA
Student’s Declaration
I hereby declare that the Summer Internship Project Report titled
“A Study Of Loan And advances with special reference to home loan in
(The Kalupur Commercial Co-Op Bank Ltd) is a result of my own work and
my indebtedness to other work publications, references, if any, has been duly
acknowledged. If I am found guilty of copying from any other report or
published information and showing as my original work, or extending
plagiarism limit, I understand that I shall be liable and punishable by the
university, which may include ‘Fail’ in examination or any other punishment that
university maydecide.
Name Enrollment Signature
Ankajkumar Maurya 188320592060
Place Chhatral Date 06/07/2019

OAKBROOK BUSINESS SCHOOL
Plot No. 225, Opp. Maharaj Hotel Lane, Jamiyatpura Road, Sarkhej
Gandhinagar Highway PO: Jamiyatpura, Gandhinagar-382423
Gujarat-, INDIA
Certificate of completion (by College)
“This is to certify that this Summer Internship Project Report Titled “ A Study Of Loan
And Advances (With Special Reference to home loan) To Home Loan ” is the bonafide work of
Ankajkumar Maurya (188320592060), who has carried out his / her project under
my supervision. I also certify further, that to the best of my knowledge the work
reported herein does not form part of any other project report or dissertation on the
basis of which a degree or award was conferred on an earlier occasion on this or any
other candidate. I have also checked the plagiarism extent of this report which is
……… % and it is below the prescribed limit of 30%. The separate plagiarism
report in the form of html /pdf file is enclosed with this.
Rating of Project Report [A/B/C/D/E]:
(A=Excellent; B=Good; C=Average; D=Poor; E=Worst)
(By FacultyGuide)
Signature of the Faculty Guide/s (Name
and Designation of Guide/s)
Signature of Principal/Director with Stamp of Institute
(Name of Principal / Director)

CERTIFICATE OF EXAMINER
This is to certify that project work embodied in this report entitled “A Study Of Loan
And Advances With Special Reference To Home Loan” was carried out by Ankajkumar
Maurya and 188320592060. Of Oakbrook Business School& 832. The report is approved
/ not approved.
Comments of External Examiner:
This report is for the partial fulfillment of the requirement of the award of the degree of
Master of Business Administration offered by Gujarat Technological University.
--------------------------
(Examiner’s Sign)
Name of Examiner:
External Examiner’s Institute Name:
External Examiner’s Institute Code:
Date:
Place:

22
PREFACE
Competition is seen in the economy. Now the present scenario of the business world is quite different from
the Past. Ethics, conflicts, new ideologies and energy scarcities are just the few of characteristics that
Present quite different from the past.
In order to scope up in the ever changing environment, the knowledge of all aspect of Business world is a
need today. M.B.A. Programs and management institution provide a global manager to this Modern business
world. But only knowledge is not for the Business but successful implementation of the knowledge the key
to success.
Industrial Knowledge is like a coin, which has two sides. One is theoretical and another is practical
knowledge. Both are very important for report. But in fact practical knowledge is more important than
theoretical.
Hence in order to get familiar with the practical knowledge each student is required to implement the
theoretical aspects of the subject into the practical life work. It was a purposeful and enriching experience for
me. Apart from theoretical aspect, we gained a lot of new things about practical knowledge. I have made this
project to implement the theoretical aspects of the subject in to a practical work.

23
ACKNOWLEDGEMENT
This project is the outcome of sincere efforts, hard work and constant guidance of not only me but a number
of individuals. First and foremost, I would like to thanks OBS for giving me the platform to work with such a
company. I am thankful to my faculty guide Prof. Anjali Paniker and also thanks to our director Dr. Ankita
Srivastava for providing me help and support throughout the internship period.
I owe a debt of gratitude to my company guide Sr. Manager Mr. Iren.P.patel and Mr. Pankit Shah, field
Manager (credit officer), The Kalupur Commercial Co-Op Bank., Chhatral Branch who not only gave me
valuable inputs about the industry but was a continuous source of inspiration during these two months,
without whom this Project was never such a great success.
I would also take the opportunity to thank the The Kalupur Commercial Co-Op Bank Ltd, Chhatral
Branch who helped and shared their knowledge about the industry fort which I am highly grateful.
Last but not the least I would like to thank all my Faculty members, friends and well wishes
who have helped me directly or indirectly in the completion of the project.
Ankajkumar Maurya MBA
2018-20
OBS

24
EXECUTIVE SUMMARY
In the growing global competition, the productivity of any business concern depends upon the behavioral aspect of
consumers. This topic deals with the A Study Of Loan And Advances (With Special Reference To Home Loan ) The
Kalupur Commercial Co-Op Bank Ltd Chhatral Branch This project report contains 5 different chapters. The report
begins with the introduction to company, its area of operation, its organization structure, its achievements, etc..
The second chapter is the introduction to the Advance Product which gives a brief idea regarding ADVANCE
PRODUCT of The Kalupur Commercial Co-Op Bank Ltd where the project is undertaken. It also contains the
objectives and limitations of the project
The third chapter, methodology adopted in preparing this report is mentioned. It covers the sample procedure, types
of data used and the data collection method
The fourth chapter comprehensive coverage of forecasting concepts and techniques which shows the analysis of data
through tabulation, computation and graphical representation of data collected from survey.
The fifth chapter deals with the findings, suggestion & conclusion part which is very much important after analysis is
made.
As we know that only analysis and conclusion is not the end of a research, so in the sixth chapter the recommendation
part is covered which are made after a depth study of the analysis part of thesis.
In each of the five chapters as described above, every chapter has been scheduled in a manner so as to enable the
reader to appreciate the contents easily. The report is supported by figures and data wherever necessary with a view to
assist the reader in developing a clear cut understanding of the topic.
I hope this report will be extremely useful for those it is meant. Constructive and healthy suggestions for
improvements of the report will be great fully appreciated
Ankajkumar Ramsanehi Maurya

25
Table of contents
Sr.
No
Particular Page No.
Part-1
Cover Page & Title Page
Student Declaration (Both the group members’ name and signature)
Company Certificate(Colour photocopy)
College Certificate (College certificate for both the group member)
Preface I
Acknowledgement II
Executive Summary III
Table of Content IV
Part-2
1 Introduction
2 Industry Overview 1
3 Company Overview 2
4 Literature Review: Indian Literature including Articles, Case studies, news
stories etc related with topic mentioning Title, Author Name, Publishing
year, Publishing Source & Abstract
13
5 Problem Statement 15
6 Introduction of the topic 16
7 Research Objectives 19
8 Research Methodology
Research Design (Res. Approach, Type of Res.)
Sample Design (Sample Unit, size, Technique) & Data Collection
Utility/Contribution of project &Limitations of Study
20
9 Data Analysis 21
10 Hypothesis and Hypothesis Testing(If Applicable )
11 Findings 31
12 Suggestions/Recommendation 32
13 Conclusion 33
14 Bibliography and Reference (books, journals, newspapers, magazines, 34
15 Annexure (Questionnaire, financial reports, brochures, articles) 36

1
INDUSTRY OVERVIEW
BANKING INDUSTRIES:
A bank is a money related foundation that gives banking and other monetary administrations to their
clients. A bank is commonly comprehended as an organization which gives key financial administrations,
for example, tolerating stores and giving credits. There are additionally non banking organizations that
give certain financial administrations without gathering the legitimate Banks are a subset of the money
related administrations industry. A financial framework additionally alluded as a framework given by the
bank which offers money the executives administrations for clients, detailing the exchanges of their
records and portfolios, for the duration of the day. The financial framework in India, ought in addition to
the fact that hassle be free it ought to have the option to address the new difficulties presented by the
innovation and some other outer and interior components. For as long as three decades, India's financial
framework has a few remarkable accomplishments shockingly. The Banks are the fundamental members
of the money related framework in India
Prior to the foundation of banks, the monetary exercises were dealt with by cash loan specialists and
people. Around then the loan fees were high. Once more, there were no security of open reserve funds
and no consistency with respect to advances. To defeat such issues the sorted out financial part was built
up, which was completely managed by the administration. The composed financial segment works inside
the budgetary framework to give advances, acknowledge stores and give different administrations to their
clients.
The Banking segment offers a few offices and chances to their clients. Every one of the banks defend the
cash and resources and give advances, credit, and installment administrations, for example, financial
records, cash requests, and clerk's checks. The banks likewise offer venture and protection items. As an
assortment of models for participation and joining among fund ventures have risen, a portion of the
conventional refinements between banks, insurance agencies, and protections firms have decreased.

2
Regardless of these changes, banks proceed to keep up and play out their essential job—tolerating stores
and loaning assets from these stores.
According to the Reserve Bank of India (RBI), India's financial division is adequately promoted and
well-directed. The money related and monetary conditions in the nation are far better than some other
nation on the planet. Credit, market and liquidity hazard studies recommend that Indian banks are
commonly flexible and have withstood the worldwide downturn well.
Indian financial industry has as of late seen the take off of inventive financial models like installments
and little fund banks. RBI's new measures may go far in helping the rebuilding of the household banking
industry.
The advanced installments framework in India has developed the most among 25 nations with India's
Immediate Payment Service (IMPS) being the main framework at level 5 in the Faster Payments
Innovation Index (FPII).

3
2 HISTORY OF INDIAN BANKING SECTOR
The principal bank in India, called The General Bank of India was built up in the year 1786. The East
India Company set up The Bank of Bengal/Calcutta (1809), Bank of Bombay (1840) and Bank of Madras
(1843). The following bank was Bank of Hindustan which was set up in 1870. These three individual
units (Bank of Calcutta, Bank of Bombay, and Bank of Madras) were called as Presidency Banks.
Allahabad Bank which was set up in 1865, was just because totally kept running by Indians. Punjab
National Bank Ltd. was set up in 1894 with head quarters at Lahore. Somewhere in the range of 1906 and
1913, Bank of India, Central Bank of India, Bank of Baroda, Canara Bank, Indian Bank, and Bank of
Mysore were set up. In 1921, all administration banks were amalgamated to shape the Imperial Bank of
India which was controlled by European Shareholders. After that the Reserve Bank of India was built up
in April 1935. At the season of first stage the development of banking segment was moderate.
Somewhere in the range of 1913 and 1948 there were roughly 1100 little banks in India. To streamline
the working and exercises of business banks, the Government of India thought of the Banking Companies
Act, 1949 which was later changed to Banking Regulation Act 1949 according to revising Act of 1965

4
(Act No.23 of 1965). Hold Bank of India was vested with broad forces for the supervision of banking in
India as a Central Banking Authority. After autonomy, Government has made most significant strides in
respect of Indian Banking Sector changes. In 1955, the Imperial Bank of India was nationalized and was
given the name "State Bank of India", to go about as the important operator of RBI and to deal with
banking exchanges everywhere throughout the nation. It was set up under State Bank of India Act, 1955.
Seven banks framing backup of State Bank of India was nationalized in 1960. On nineteenth July 1969,
noteworthy procedure of nationalization was completed. In the meantime 14 noteworthy Indian business
banks of the nation were nationalized. In 1980, another six banks were nationalized, and hence raising the
quantity of nationalized banks to 20. Seven additional banks were nationalized with stores more than 200
Crores. Till the year 1980 around 80% of the financial section in India was under government's
possession. On the proposals of Narasimhan Committee, the Banking Regulation Act was corrected in
1993 and consequently the 26 entryways for the new private area banks were opened. Coming up next are
the significant advances taken by the Government of India to Regulate Banking foundations in the
nation:-
1949: Enactment of Banking Regulation Act.
1955: Nationalisation of State Bank of India.
1959: Nationalization of SBI subsidiaries.
1961: Insurance cover extended to deposits.
1969: Nationalisation of 14 major Banks.
1971: Creation of credit guarantee corporation.
1975: Creation of regional rural banks.
1980: Nationalisation of seven banks with deposits over 200 Crores.

5
Nationalisation
By the 1960s, the Indian financial industry has turned into a significant apparatus to encourage the
advancement of the Indian economy. In the meantime, it has risen as a huge business, and a discussion
has guaranteed about the likelihood to nationalize the financial business. Indira Gandhi, the-then Prime
Minister of India communicated the aim of the Government of India (GOI) in the yearly gathering of the
All India Congress Meeting the GOI issued a law and nationalized the 14 biggest business manages an
account with impact from the midnight of July 19, 1969. Jayaprakash Narayan, a national head of India,
depicted the progression as a "Masterstroke of political astuteness" Within about fourteen days of the
issue of the mandate, the Parliament passed the Banking Companies (Acquisition and Transfer of
Undertaking) Bill, and it got the presidential endorsement on 9 August, 1969. A second step of
nationalization of 6 increasingly business banks followed in 1980. The expressed explanation behind the
nationalization was to give the administration more control of credit conveyance. With the second step of
nationalization, the GOI controlled around 91% of the financial business in India. Later on, in the year
1993, the administration combined New 27 Bank of India with Punjab National Bank. It was the main
merger between nationalized banks and brought about the decrease of the quantity of nationalized banks
from 20 to 19. After this, until the 1990s, the nationalized banks developed at a pace of around 4%, closer
to the normal development rate of the Indian economy. The nationalized banks were credited by a few;
including Home clergyman P. Chidambaram, to have helped the Indian economy withstand the
worldwide money related emergency of 2007-2009. Progression There are two zones of rivalries which
banking industry is confronting globally and broadly. In the mid 1990s, the then Narsimha Rao
government left on an arrangement of advancement, authorizing few private banks. In the pre-progression
time, Indian banks could develop in a shut economy, however the financial area opened for private
challenge. It is conceivable that private banks could wind up overwhelming players even inside India.
These came to be known as New Generation Tec astute banks and included Global Trust Bank (the first
of such new age banks to be set up), which later amalgamated with Oriental Bank of Commerce, Axis
Bank (prior as UTI Bank), ICICI Bank and HDFC Bank. This move alongside the quick development in
the economy of India altered the financial area in India which has seen fast development with solid
commitment from all the three parts of banks, to be specific, government banks, private banks and remote
banks. The new approach shook the financial division in India totally. Utilization of ATM cards, Internet
Banking, Phone Banking, Mobile Banking are the new creative channels of banking which are in effect
broadly utilized as they bring about setting aside both time and cash which are two basic things that
everybody is shy of and is racing to grasp them. Also, private division banks are adjusting its
frameworks, advertising quality and innovation to construct profound responsibility in structure
purchaser and retail banking. The focal point of these banks is on creative scope of administrations or
items. 28 The Reserve Bank of India is a self-ruling body, with negligible weight from the legislature.
The expressed arrangement of the Bank on the Indian Rupee is to oversee unpredictability yet with no
fixed conversion standard and this has for the most part been valid. With the development in the Indian
economy expected to be solid for very
some time-especially in its services sector-the demand for banking services, especially retail banking,
mortgages and investment services are expected to be strong.

6
CLASSIFICATION OF BANKING INDUSTRY IN INDIA
Indian financial industry has been isolated into two sections, composed and sloppy segments. The sorted
out division comprises of Reserve Bank of India, Commercial Banks and Co-usable Banks, and
Specialized Financial Institutions (IDBI, ICICI, IFC and so forth). The disorderly segment, which isn't
homogeneous, is generally comprised of cash moneylenders and indigenous investors a framework of the
Indian Banking structure might be exhibited as pursues.
1. Reserve bank of India
The hold bank of India is a national bank and was built up in April 1, 1935 as per the arrangements of
save bank of India act 1934. The focal office of RBI is situated at Mumbai since origin. Despite the fact
that initially the hold bank of India was exclusive, since nationalization in 1949, RBI is completely
possessed by the Government of India. It was initiated with offer capital of Rs. 5 Crores isolated into
portions of Rs. 100 each completely paid up. RBI is administered by a focal board (headed by a senator)
delegated by the focal legislature of India. RBI has 22 provincial workplaces crosswise over India. The
save bank of India was nationalized in the year 1949. The RBI Act 1934 was started on April 1, 1935.
The Act, 1934 gives the statutory premise of the working of the bank. The bank was comprised for the
need following
Bank of Issue: The RBI formulates, implements, and monitors the monitory policy. Its main objective is
maintaining price stability and ensuring adequate flow of credit to productive sector
Regulator-Supervisor of the financial system: RBI prescribes broad parameters of banking operations
within which the country’s banking and financial system functions. Their main objective is to maintain
public confidence in the system, protect depositor’s interest and provide cost effective banking services to
the public
Manager of exchange control: The manager of exchange control department manages the foreign
exchange, according to the foreign exchange management act, 1999. The manager’s main objective is to
facilitate external trade and payment and promote orderly development and maintenance of foreign
exchange market in India.
Issuer of currency: A person who works as an issuer, issues and exchanges or destroys the currency and
coins that are not fit for circulation. His main objective is to give the public adequate quantity of supplies
of currency notes and coins and in good quality.
Developmental role: The RBI plays out the wide scope of limited time capacities to help national
destinations, for example, challenges, coupons keeping up great advertising and some more. Related
capacities: There are additionally a portion of the related capacities to the previously mentioned principle
capacities. They are, for example, broker to the administration, financier to banks and so on • Banker to
government performs trader banking capacity for the focal and the state governments; additionally goes
about as their investor

7
COMPANY OVERVIEW
THE KALUPUR COMMERCIAL CO-OPERATIVE BANK LTD
The bank had a humble, yet exceptionally rousing start on fifth December 1970. The Bank is an expertly
overseen "Monetary Organization" a benchmark of straightforwardness, believability and
advancement.The Bank is established by Late Shri Baldevbhai Dosabhai Patel, Late Shri Gopaldas
Shivlal Patel and Shri Arvindbhai Jivanlal Saheba. The Bank has sustained its customary qualities in
strategic policies and in serving the little representatives. These were the general population with
profound and tolerating thoughts, confidence, vision, good faith and innovative aptitudes with excellent
feeling of administration and obligation. The dynamism mixed by the Top managerial staff, tender
loyalties of customers and dedication of staff individuals has made the sound establishment of The
Kalupur Business Co-usable Bank Ltd and has developed as one of the main Multi Satiate Booked Co-
usable Bank in the nation. The Bank has embraced new advances and propelled Banking instruments to
enhance its administrations. The Kalupur Bank has earned a name in co-usable Financial area because of
its rich legacy, respectability and adherence to judicious financial practices, innovation headway altered
items and administrations. The Kalupur Bank accepts that "Client Joy" is a definitive objective and has a
solid conviction that clients and all investors, wholehearted help, outright confidence and their support
combined with diligent work of the staff individuals has been to a great extent in charge of its significant
and considerable developth. The Kalupur Bank is committed to provide banking services with speed,
comfort and convenience. The Kalupur Bank has a visionary growth plan focusing all business strategies.

8
Shri Baldevbai was conceived in 1917, in a town named as SANAND close Ahmedabad. His dad's name
was Dosabhai and mother's name was Jadiben. Administration joined by vision was the prime nature of
Shri Baldevbhai. He joined his dad in a business of grain at the period of just 20 and made Ahmedabad as
his field of activity. He was capable, capable, skilled and sharp in the business. His strategy for executing
the business with administration, made him famous and cherished one. He was competent enough to
achieve the activity, accurately, and in time. These characteristics made him a genuine pioneer. He began
cotton business in 1972 and earned the credit of presumed specialist. In 1958, he built up Grain Shippers
building society and in 1962, he was chosen as Leader of Ahmedabad Grain Dealer Affiliation. In 1973,
he progressed toward becoming Leader of "Gujarat Anaj Vepari Sangh" and in 1982, he was chosen as
Leader of "Gujarat Vepari Mahamandal". In 1969, when real banks of the nation were nationalized, the
agents were maintained a strategic distance from for advantageous, simple and rapid credit. In this
manner he thought of setting up a bank for Grain Vendors. Late Shri Gopaldas Shivlal Patel and Shri
Arvindbhai Saheba went along with him in his new pursuit. The Hold Bank of India conceded the permit
to begin the bank and on fifth December 1970, The Kalupur Business Co-employable Bank Ltd. begun
working in a little room at Kalupur region.
THE KALUPUR COMMERCIAL CO.OP.BANK LTD. HAS BRANCHES IN 2 STATES.
 1st GUJARAT
 2nd
MAHARASTRA

9
OUR PRODUCTS
E - Banking
Offers and cash back
Vyapar Mitra
Kal housing loan
Doctor Mitra

OUR SERVICES
 E- Banking
 Mobile Banking
 RTGS service
 Health insurance
 General insurance
 NEFT Service
 ATM Service
10
Car loan
Education loan
Loan against property

11
 Pan Card Services
 Promote My Business
 Missed Call Services
 Term Deposit
 Advances Invest Rate
 Adani Gas – Bills collection
 Locker
 Tax collection
 Stamp Franking
INTERNATIONAL BUSINESS BANKING
 NRI Service
 Forex (FAQs)
 Foreign Exchange Department
 Foreign facility for Individuals
 Liberalized Remittance
 EEFC (Exchange Earners)
 Foreign Direct Investment
 FCNR B Deposits Interest Rate
 Forex Charges
 NRE – NRO ACCOUNTS
 Foreign Exchange Business
PERSONAL / BUSINESS BANKING
 KYC (know your Customers)
 Deposit Insurance System in
 Saving Deposit schemes
 Saving bank rules
 Current account rules (FAQs)
 Advances
 Fixed Deposit Account Rules
 Processing Fees

12
The kalupur commercial co-op bank
 Established on : 05 December 1970.
 Motto : - "Development by Services"
 Working Capital – Rs. 6490.52 Crore
 Member of CIBIL (Credit Information Bureau of India Ltd.)
 Well Established Demat department
o More than 27,500 Account holders
o ASBA facility
 Authorised Dealer Category -1 license.
 First Co-op Bank to get this license and the only Co-op Bank in Gujarat.
 Dealing in Six foreign currencies
[ USD, GBP, EURO, JPY, NZD, AUSTD ].
 Modern dealing room equipped with Bloomberg screen.
 The only dealing room in Ahmadabad.
 We have 53 on site ATM centres and 5 off site centers.
 Facility of Air conditioned Locker Halls.
 All branches connected under 'CBS'.
 Facility of RTGS / NEFT / NECS / NFS.
 More than 50,986 Share holders.
 All types of attractive Loan and Deposit products are available.
 Facility of Government Tax Collection.

13
Literature Review
SUMMARY:-
• After going through pervious studies of Home loans I came to conclude that-
• There is growth of home loans after 2001.•
Home loans have an inverse relation with interest rates i.e. when interest rate low the demand of home
loans increase. (Ojha 1987)
•people are going more towards home loans than private mortgage insurance.(Berstain 2008)
• Government taking various steps to encourage people to go toward home loans.(Haavio, Kauppi 2000)
• Growth of home loans are due to increase of living standard of people, shiftingfrom joint family to
nuclear family .(Lacourr, Micheal 2007)
• There are some problems also attach with these home loans such as time i.e fillingof application of loan
to closing ,people have their own specified needs from these homeloans which are not fulfilling. (Lacour
Micheal 2006)
.• SBI provide a very low interest rate on home loans as compared to other banks.(SBI May 2000)
Berstain David (2009)
inspected in his examination taken from 2001 to 2008 that in this period there is increment utilization of
home credits when contrasted with private home loan insurance(PMI).he have partitioned his
investigation into four segments. Segment 1 depicts why individuals are going more for home advances
than PMI. the primary explanation behind this that presently home advances market give Piggybank
advances to those individuals who don't have 20% of initial installment. Section2 tells the variables in
charge of the development of home advances and the dangers on moving toward home value showcase
with no PMI inclusion. PMI can shield moneylenders from most misfortunes up to 80% of LTV and the
nonappearance of PMI will result in extensive misfortunes in a situation. Segment 3 tells the measures in
changes of sort of advances. For this he have taken the information from the 2001 and 2007 AHS a joint
undertaking by HUD and Census The consequences of this investigation displayed in Table One uncover
a sharp increment in the Prevalence of proprietor involved properties with various home loans among
properties with Newly began first mortgages. Segment 4 depict the Financial status of single-lien and
numerous lien households and for this he have taken the overview of purchaser money and demonstrate
that monetary position is more flimsier in different credits than the single advances
Vandell, Kerry D (2008)
investigation the sharp ascent and than abruptly drop down home costs from the period 1998-2008.
changes in costs are for the reasons accordingly financial essentials , the issue was not sub prime loaning
in essence, yet the Fed's emotional decreases, at that point increments in financing costs during the early-
mid-2000 , the lodging ―boom was packed in those business sectors with noteworthy supply-side
confinements, which will in general be more cost unstable; he issue was not in the overabundance supply
of credit in total, or the expansion in sub prime in essence, yet rather in the expanded or diminished
nearness of certain other home loan items
La courr, Micheal (2007)
examination in his investigation the elements influenced the expansion in the degree of Annual rates
(APR) spread announcing during 2005 more than 2004. the three main factors are changes in
moneylender strategic approaches; (2) changes in the hazard profile of borrowers; and (3) changes in the
yield bend condition. The outcome demonstrate that subsequent to controlling for the blend of advance
sorts, credit hazard factors, and the yield bend, there was no factually noteworthy increment in reportable
volume for advances began legitimately by moneylenders during 2005, however aberrant, discount starts
did altogether increment Finally, given a model of the variables influencing results for 2004-2005, we

14
anticipate that 2006results will keep on demonstrating an expansion in the level of advances that are
higher evaluated when last numbers are released in September 2007
arasimham Committee (1991)
points out that although the banking system our country has made rapid progress during the last
two decades, there is decline in productivity and efficiency and erosion of profitability
The committee strongly makeindications of liberlising, deregulating economy to make Indian baking syst
em morecompetitive and efficient
The researcher has to refer few books and magazines to refer few books and review for obtaining and
understanding. The relationship in customers satisfaction and quality of services. It was also useful for knowing the
customer satisfaction versus quality of service offered by the concern.
The ICFAI journal of Monetary Economics, Numberv’2004 it is studied that “greenwood and Jovanovich (1990) in
their study analyzed the role that financial institutions play in collecting and analyzing information and use this
information for utilizing funds by investing in such projects that are high-risk while at the same time yield highest
return.
The ICFAI Journal of Service Marketing Dec’2004 “It is important to note that whatever financial products are put
in the market, it can only be successful if customer has a need for it. Thus the need to study customer behavior
becomes paramount. This flows naturally from the marketing concept that emphasis the idea of looking at the
product from the consumer’s point of view,
The STATISTICAL METHODS, By S. P. GUPTHA. S.P gives a very in-depth study about the various statistical
tools and techniques that could be used for various researches work purposes. Each statistical test has been
discussed very much in detail and this book has acted as the back bone for this research study by helping the
research work in using various statistical tools like chi-square, One way ANOVA test, Two way ANOVA test etc.
The Marketing Management -By PHILIP KOTLER, which is one of the masterpieces in the field of marketing, has
given an excellent coverage in the various fields of marketing. The author has very elaborately examine the various
issues in designing the marketing strategies for various companies, tactical marketing and also the hurdles that
arises in the administrative side of marketing which were all very much useful in analyzing the various problems of
this research study and finally in also putting forth various feasible recommendation and suggestion for this
research work. This book has also presented various frameworks for analyzing certain recurrent problem in the
field of marketing, which were also effectively used in this research work

15
Problem statement
It is often found that most of the people are not filling income tax return they are not aware income tax
return and its benefits. CIBIL score is determined on the basis of 'Records' and 'Enquiries' segment of the
CIR, extends between 300-900. A score over 700 is by and large thought to be great. People who are
working in small organization, small firm do not maintain salary slip and form 16. This study aims at
finding out the perception of customers towards home loan and the problems they face during procurement
of loans.

16
INTRODUCTION OF TOPIC
A study of loan and advances (with special reference to home loan)
Home is a vital piece of a person, who since his/her introduction to the world and adolescence, dreams to
have living space of his/her own. Ideal speculation expects advance to achieve it and that is the means by
which the home advance comes into plan of things. Purchasing a house is dream for everybody.
Attributable to the rising cost of properties, it has nearly turned out to be inconceivable for a normal
procuring individual to purchase a home on a singular amount installment. In this way, the idea of home
advance has come in presence. There are plenty of lodging fund organizations and equivalent number of
banks that offer home credits. The assignment of choosing one organization and one idea for home
advance in the midst of the thousands accessible alternatives have turned into an exceptionally intricate
undertaking attributable to the prospering lodging account advertise in the nation. Aside from this, there
are perplexing business languages and details that make this assignment increasingly troublesome. In this
investigation, I propose to give the fundamental data of home advance details, with the goal that when an
individual applies for the home advance, he/she can comprehend the nuts and bolts and help themselves
stay far from the tricking components in the market.
Importance of Home Loan
The requirement for home advances emerges not on the grounds that property costs are going upwards
constantly but since home advances bode well from a longterm reserve funds point of view. Not
exclusively are home advances a convenient apparatus for the regular man to claim a rooftop over his head
yet they likewise help set aside cash over the long haul.
With soaring land costs, individuals are progressively selecting lodging advances to gain their fantasy
home. Loan fees are descending constantly and the banks and the lodging fund organizations are truly
falling over one another to draw the planned home-searchers

17
Despite the tax cuts and liberal loaning rates, a great deal of people still can't orchestrate assets for the
initial installment, which turns out to be in any event 15 percent of the property estimation. Taking
awareness of the circumstance, Banks are thinking of home advance items called 'zero up front installment
advances' wherein 100 percent subsidizing is accommodated select properties. These worthwhile offers are
other real explanations behind why individuals are deciding on advances.
Regardless of whether one can bear to purchase a home with one's very own cash, home advances ought to
be profited on the grounds that they go about as great investment funds instrument. As indicated by
industry assesses, the long haul normal return in putting resources into a house is about 20% p.a. while the
normal expense of acquiring assets in the market today is about 7% p.a. (considering all tax reductions)
Bernstein, D. E. (2009). The Unfinished Daubert Revolution. George Mason University: The Unfinished Daubert Revolution.
Own house is a dream of everyone. We convert the dream to reality and make you proud owner of your own
house. We provide finance up to Rs.70.00 lacs at reasonable interest rate .Drop in at any of our branches and
go back with a smiling face.
Rate Of Interest Cir Score Interest Rate
For Both Emi And Non Emi
(Upto 25 Lac)
700 & Above
650-699 & (0 To 5 Or -1 Score)
Less Then 650
8.30%
8.50%
8.70%
For Both Emi And Non Emi
More Than 25 Lac
700 & Above
650-699 & (0 To 5 Or -1 Score)
Less Then 650
8.50%
8.70%
8.90%
Note: Women Applicants Will Be Eligible For Further Concession Of 0.10% In Above Mentioned Revised Interest
Rates
Processing Fee : Upto Rs.25lacs : No Process Fees Upto 25.00 Lacs Till 30/06/2018.
Above Rs. 25 Lacs: 0.20% Of Sanctioned Amount + Gst
(Subject To Maximum Of Rs. 7500+Gst)
Share Linking : 1% Of The Loan Amount Sanctioned (Max.25000/-)
Guarantee : Two Guarantor Possessing Property And Also Income Tax-Payer
Waive The Requirement Of One Guarantor For The Following Types Of Borrowers Of
Housing Loan:
(1)Age Above 35 Years With Regular , Steady And Proven Record Of Income For Last Five
Years.
(2)In Case Of Professionally Qualified Persons With Age Above 30 Years With Minimum
Income Of Rs 50000/- P.M.

18
Security : Mortgage Of Flat/Tenement/Raw House/Apartment
Eligibility : 40% Of Average Monthly Income Be Equivalent Or Less
Criteria Than Proposed Monthly Installment And Interest
After Deduction Of Other Loans Emi.
“Provision For Subsidy Under Clss-Pradhan Mantri Awas Yojana In Eligible
Cases” From Hudco T&C Apllies
Eligibility:
Individuals Over 21 Years Of Age With Steady Sources Of Income , Including Persons Engaged
In Agriculture & Allied Activities .
2. In Case The , The Properly Holder Is Not Having Independent Source Of Income,Near Relatives May Join As
Co-Borrower/Guarantor For The Loan And His Or Her Income Can Be Taken For Arriving At Loan Eligibility.
Quantum Of Amount :-
Maximum Rs. 70.00 Lac Per Dwelling Unit
Maximum Age:
Maximum Age Limit For A Home Loan Borrower Is Fixed At 70 Years ,I.E. The Age By Which The
Loan Should Be Fully Repaid, Subject To Availability Of Sufficient, Regular And Continuous Source Of
Income For Servicing The Loan Repayment.
No.Of Co-Borrowers:
Restricted To Maximum 3 Including Spouse/Children/Parents/Siblings.
However Ho Can Relax Maximum No Of Co-Borrower Provided The Repayment Is Made Through An
Account With Bank In The Joint Names Of All The Borrowers .
In Cases Where The Co-Applicants Are Unrelated To Each Other ,The Dgm May Permit The Relaxation
For Acceptance Of Non-Related Co-Borrower And Sanctioning Authority Is Satisfied With The Reasons
Furnished By The Unrelated Co-Borrower For Acquiring The Property In Their Joints Names
Income Eligibility :
For Arriving At Maximum Loan Amount ,Regular Income Be Included With Variable
Pay,Performance/Production Linked Incentive ,Bonus,Overtime Etc.Can Be Considered ,In Whole Or In
Part On The Basis Of The Average Of The Last Two Years , To Arrive At Total Eligible Loan Amount .
In Additon To The Applicant’s Income , Income Of Spouse/Children /Parents/Siblings May Be
Considered For Arriving At Maximum Loan Amount Subject To Following Conditions-
(A)If The Proposed Property Is Held Jointly With The Spouse/Children/Parents/Sibling Then All The
Joint Holders Of The Property Should Join As Co-Borrower The Spouse, But In Case Where The
Property Name Of The Borrower The Spouse/ Children/Parents/Siblingsmay Join As Co-Borrower Or A
Guarantors

19
Research objectives
 To study the satisfaction level of customers about home loans
 To study the problems faced by customers in obtaining the home loans.
 To know the Customers perceptions about home loans

20
Research Methodology
This report is based on primary as well secondary data, however primary data collection was given more
importance since it is overhearing factor in attitude studies. One of the most important users of research
methodology is that it helps in identifying the problem, collecting, analyzing the required information
data and providing an alternative solution to the problem .It also helps in collecting the vital information
that is required by the top management to assist them for the better decision making both day to day
decision and critical ones.
Research design
 Data has been presented with the help of bar graph, pic charts, and tables.
Data collection sources
 Primary data collection
Primary data has collected through questionnaire
 Secondary data collection
Procuring data through research paper, news paper, magazine website, articles, brochures
 Sampling Plan:-
The sample size of my project is limited to 50 people only
LIMITATIONS OF STUDY
 The research is limited to Kalol city only so we might get view of limited population.
 Time and cost are the other factor limitation the study to a sample of 50 respondents.
 Time span was the major constraint as the research was limited to 45 days

What is the occupation of respondents
Student
Business
Service
Other
INTERPRETATION
Above data shows that in my survey most of the respondents are employees who
are 33 in no. out of 50 which is 66% of the total respondents ,
most respondents , that is they are 17
Type of Housing Loan taken
Category
Purchase new house
Renovation
Construction
Conversion loan
service
33
66%
other
0
0%
21
DATA ANALYSIS
What is the occupation of respondents?
No of Respondents
0
17
33
0
Above data shows that in my survey most of the respondents are employees who
% of the total respondents , after that business man
ondents , that is they are 17 in no. out of 50 respondents that is 34%.
No of Respondents
50
0
0
0
student
0
0%
business
17
34%
Above data shows that in my survey most of the respondents are employees who get salaries that is they
after that business man are the second

INTERPRETATION
Most of the people take a home loan for purchase a new house out of 50 respondents all people are taking a home
loan buying a new house
Duration taken by your bank to sanction home loan
Category
0-1 month
0-2 month
0-3 moth
More than 3 months
Interpretation:
From this we get to know that 53% of
0-2 month
53%
0-3 moth
13
25%
More than
3 months
0
0%
No of Respondents
0
5
10
15
20
25
30
35
40
45
50
purchase new
house
renovation
purchase new
house , 50
renovation , 0
22
Duration taken by your bank to sanction home loan
No of Respondents
11
27
13
0
% of (27) people like0-2-monthin sanction loan. And
0-1 month
11
22%
2 month
27
53%
No of Respondents
0-1 month
0-2 month
0-3 moth
More than 3 months
constrution conversion loan
renovation , 0 constrution , 0 conversion loan , 0
. And 22% person0-1 month
More than 3 months
DATA

sanction loan. And 25% of people 0-3 month sanction their loan
Do you think, that the processing charges of the bank were high
category
Yes
No
Interpretation
From the above analysis, 4% respondents a
statement,
What do you think about the paper
Category
Justified
To much
No
48
96%
No of Respondents
23
3 month sanction their loan
charges of the bank were high
No of Respondents
02
48
From the above analysis, 4% respondents are agree with this statement, 48% respondents are disagree with this
What do you think about the paper formalities of the Housing Loan
No of Respondents
25
26
Yes
2
4%
No of Respondents
Yes No
% respondents are disagree with this

Interpretation:
From the above analysis, 51% respondents are to much with this statement, 49% respondents are justified with this
statement,
From where did you get information about home loan schemes
Category
News paper
Magazines
Banners
Word of mouth
Any other
Not aware about home loan schemes
To much
26
51%
No of Respondents
0
5
10
15
20
25
News paper, 12
Magazines, 0
No of Respondents
24
you get information about home loan schemes
No of Respondents
12
0
06
23
0
Not aware about home loan schemes 06
Justified
25
49%
No of Respondents
Justified
To much
Magazines, 0
Banners , 6
Word of mouth , 23
Any other , 0
Not awareabout
home loanschemes
, 6
No of Respondents
Justified
To much
Not awareabout
home loanschemes

INTERPRETATION
Above data shows that 25% that is 1
newspapers, 10% that is 6 respondents from hoardings/banners,
mouth and 13% that is 6 respondents out of
While taking loan, which things attracted you the most
Category
Interest rate
Service provider
Pay back period
Scheme
other
Interpretation:
Above data shows that out of 50 respondents the thing that attracts mostof the respondents is interest rates
that is 34% (40 respondents) choose
providers as their attracting factor, 2
17% (20 respondents) feel schemes are attracting
opinions.
.
Which feature did you like the most in loan segments of Kalupur bank?
Category
Less paper work
Attractive interest rate
0
5
10
15
20
25
30
35
40
Interest rate Service
provider
Interest rate, 40
Service provider
, 23
No of Respondents
25
% that is 12 respondents got to know about home loan schemes from
respondents from hoardings/banners, 49% that is 23 respondents from word of
respondents out of 50 are not aware about home loan schemes
loan, which things attracted you the most
No of Respondents
40
23
31
20
03
respondents the thing that attracts mostof the respondents is interest rates
respondents) choose interest rates whereas 20% (23 respondents) choose service
their attracting factor, 26% (31 respondents) feel that payback period isthe attracting factor,
respondents) feel schemes are attracting factor whereas 3% (3 respondents) have some other
Which feature did you like the most in loan segments of Kalupur bank?
No of Respondents
15
30
Pay back
period
Scheme other
Service provider
Pay back period, 31
Scheme, 20
other, 3
No of Respondents
No of Respondents
home loan schemes from
respondents from word of
50 are not aware about home loan schemes.
respondents the thing that attracts mostof the respondents is interest rates
respondents) choose service
respondents) feel that payback period isthe attracting factor,
respondents) have some other

Fast processing
Longer repayment period
Employees behavior
Interpretation:
Above data shows that 50% respondents like
and 10% respondents like less paper work.
What problem did you face while taking home loan
Category
Lack of knowledge
Low income
Documentation
High interest Rate
Employees behavior
Fast processing
15
30%
Longer repayment
period
0
0%
No of Respondents
26
05
0
0
% respondents like attractive interest rate 15% respondents like
% respondents like less paper work.
What problem did you face while taking home loan
No of Respondents
15
11
21
02
0
Less paper work
10
20%
Attractive interest
rate
25
50%
Fast processing
15
30%
Employees behavior
0
0%
No of Respondents
% respondents like fast processing

Interpretation:
Above data shows that 43% respondents facing problem taking home loan documentation
respondents lack of knowledge and 22% respondents low income facing a problem while taking a home
loan .
Repayment of monthly installment easy
Category
strongly agree
Agree
Neither agree nor disagree
Disagree
Strongly disagree
Documentation
21
43%
High interest Rate
2
4%
No of Respondents
27
43% respondents facing problem taking home loan documentation
epayment of monthly installment easy schedule easy
No of Respondents
10
18
18
0
0
Lack of knowledge
15
31%
Low income
11
22%
No of Respondents
Lack of knowledge
Low income
Documentation
High interest Rate
Employees behavior
43% respondents facing problem taking home loan documentation, 15%
Employees
behavior
0
0%
Lack of knowledge
Low income
Documentation
High interest Rate
Employees behavior

INTERPRETATION:
Above data shows that out of 50 respondents 31% (15
Bank is strongly agree, 22% feel that it is agree, 43% feel that it is neither agree nor disagree,
Friendly services at branches
Category
strongly agree
Agree
Disagree
Strongly disagree
Neither agree nor
disagree
18
39%
Disagree
0
0%
No of Respondents
28
Above data shows that out of 50 respondents 31% (15 respondents) feel that Sanctioning Time
l that it is agree, 43% feel that it is neither agree nor disagree,
No of Respondents
24
22
05
0
0
strongly agree
10
22%
Agree
18
39%
Neither agree nor
disagree
18
39%
Strongly
disagree
0
0%
No of Respondents
Sanctioning Time of kalupur

The bank should maintain strong relationship
Category
strongly agree
Agree
Disagree
Strongly disagree
Agree
43%
Neither agree nor
disagree
10%
Disagree
0%
No of Respondents
Agree
14
27%
Neither agree nor
Disagree
0
0%
No of Respondents
29
The bank should maintain strong relationship
No of Respondents
29
14
08
0
0
strongly agree
47%
Strongly disagree
0%
No of Respondents
strongly agree
29
57%
Neither agree nor
disagree
8
16%
Strongly
disagree
0
0%
No of Respondents

INTERPRETATION:
of kalupur Bank is strongly agree, 27
none of person disagree
How do you rate the Sanctioning Procedure of kalupur Bank?
Category
strongly agree
Agree
Disagree
Strongly disagree
INTERPRETATION:
kalupur Bank is strongly agree, 22%
How do you rate the Sanctioning Time of kalupur Bank
Category
strongly agree
Agree
Disagree
Strongly disagree
Neither agree nor
disagree
21
43%
Disagree
2
4%
No of Respondents
30
out of 50 respondents 57% (29 respondents) feel that maintains
is strongly agree, 27% feel that it is agree, 16% feel that it is neither agree nor disagree,
Sanctioning Procedure of kalupur Bank?
No of Respondents
15
11
21
02
0
Above data shows that out of 50 respondents 31% (15 respondents) feel that Sa
feel that it is agree, 43% feel that it is neither agree nor disagree,
How do you rate the Sanctioning Time of kalupur Bank
No of Respondents
15
11
21
02
0
strongly agree
15
31%
Agree
11
22%
Neither agree nor
Strongly disagree
0
0%
No of Respondents
maintains strong relationship
% feel that it is neither agree nor disagree,
Sanctioning procedure of
Strongly disagree

INTERPRETATION:
Bank is strongly agree, 22% feel that it is agree, 43% feel that it is neither agree nor disagree,
person of disagree
Neither agree nor
disagree
21
43%
Disagree
2
4%
No of Respondents
31
Above data shows that out of 50 respondents 31% (15 respondents) feel that Sanctioning Time of kalupur
strongly agree
15
31%
Agree
11
22%
Neither agree nor
No of Respondents
Sanctioning Time of kalupur
l that it is agree, 43% feel that it is neither agree nor disagree, none of

32
FINDINGS
Most of the customers are not aware of the products and services of Kalupur bank a home loans
The Kalupur commercial co-op bank providing good services to their customers.
Most of the customers of kalupur bank are satisfied with the services provided by the bank.
Many customers have no time to call customer care so that they are not able to know about the service &
features of kalupur bank advance product
Most of the customer facing a problem while taking a home loan income tax return, property value ,low
income.
Most of the customers perceive that the duration of period to get the home loan is long.

33
Suggestions/Recommendation
Kalupur bank should take steps to solve customer problems immediately
Loan sanction date should be according to customer convenient
Company should open more branches in different cities
Kalupur bank should try and reduce the sanctioning period of the home loans so as to make it more
convenient to the customers

34
Conclusion
From the survey it can be seen that many people are interested in taking home loans from kalupur bank
Home advances have extensive stretch when contrast with other individual credits and different advances.
So people groups are confounded to take a home credit.
The loan sanction process is good and easy when comparing to other banks.
From the analysis part it can be concluded that customers have a good respond towards kalupur bank
advance products
The bank should attempt to expand the utilization of innovation like portable and net banking among its
clients.
From the analysis it is found that some customers have faced some procedural problem, for which the
researcher has given some suggestions and recommendations.

35
Bibliography and Reference
Reference
Bernstein, D. E. (2009). The Unfinished Daubert Revolution. George Mason University: The Unfinished Daubert
Revolution.
Zhenguo Lin & Kerry D. Vandell, 2006. "Illiquidity and Pricing Biases in the Real Estate Market," Working
Paper 8577, USC Lusk Center for Real Estate.
La courr, Micheal (2007. April 1982. 'Translation Is At Best An Echo', Community Care
Internet
https://www.kalupurbank.com/
https://www.ibef.org/industry/banking-india.aspx
http://www.propertydestiny.com/?page_id=1691
https://economictimes.indiatimes.com

36
Annexure
Date: __________
Name: _________________________
Occupation: ________________________
1. Type of Housing Loan taken
a) Purchase new house [ ] (b) Renovation [ ]
(c) Construction [ ] (d) Conversion Loan [ ]
2. Duration taken by your bank to sanction home loan
(a) 0- 1 month [ ] (b) 0- 2 months [ ]
(c) 0- 3 months [ ] (d) more than 3 months [ ]
3. Do you think, that the processing charges of the bank were high
(a) Yes [ ] (b) No [ ]
4. What do you think about the paper formalities of the Housing Loan
(a) Justified [ ] (b) Too much [ ]
5. From where did you get information about home loan schemes?
(a) Newspapers [ ] (c)magazines [ ]
(c) Hoardings/banners [ ] (d) Word of mouth [ ]
6. While taking loan, which things attracted you the most
(a) interest rates [ ] (b)service Providers [ ]
(c) Payback period [ ] (d) Schemes [ ]
7. Which feature did you like the most in loan segments of Kalupur bank?
(a) Less paper work [ ] (b) Attractive interest rate [ ]
( (c) Fast processing [ ] (d) Longer repayment period
8. What problem did you face while taking home loan

37
(a) lack of knowledge [ ] (b) low income [ ]
( (c) Documentation [ ] (d) high interest rate
9. repayment of monthly installment easy schedule easy
(a) strongly agree [ ] (b) Agree [ ]
( (c) Neither agree nor disagree [ ] (d) Disagree[ ]
10. Friendly services at branches
( (c) Neither agree nor disagree [ ] (d) Disagree [ ]
11.The bank should maintain strong relationship
( (c) Neither agree nor disagree [ ] (d) Disagree [ ]

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