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8/8/2019 Pnb Summer Final
http://slidepdf.com/reader/full/pnb-summer-final 1/12
Project Report on ³A
Comparative Study
of Retail Loans´
Udit Kathpalia
Roll No: 109347
8/8/2019 Pnb Summer Final
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Table of Content
} Company Profile
} Objectives
} Market Share
} Education Loan Scheme
} Research Methodology
} Recommendation
} Conclusion} Limitation
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PNB Continues To Be Number One Among Nationalized Bank In
} Highest net profit- Rs 3905 crore (26.4%)
} Highest operating profit Rs 7326crore (28.8%)
} Highest business Rs 4.36 lakh crore(19.6%)
} Highest CASA Rs 1.02 lac crore (25.0%)
} Highest customer base 5.6 crore
} Largest network more than 5000 branches
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Objective of the Study
} To compare the loan scheme of private as well as
public sector banks
} To study the customers¶ expectations, behaviors
,responses and preferences for all those schemes
} To access the degree of satisfaction of the consumers
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Market Share of Banks
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Education Loan
} Eligibility: Indian national secured admission to
professional/technical course
} Margin up to 4 lakhs ± nil
above 4 lakhs- studies in India 5%
above 4 lac to 7.5 lac co-obligation of parents
together with collateral security in form of 3rd party
guarantee
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Cont.«
} Processing charges: nil if study in India and for
studying abroad its 0.50 or maximum Rs 5000 will be
repay after sanction of loan
} Concession for girl child 0.50%
} Indian Banking Association is regulatory body which
framed education loan policy of banks
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Research Methodology
} Primary data :through questionnaire by mail, by
personal interview
Sample size :50
} Secondary data: Newspaper, magazine, journals,
websites
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Sampling Plan
} Sampling Technique: Random sampling
} Research Instrument: Structured Questionnaire
} Contact Method: Personal interview
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RECOMENDATIONS
} The bank should use easy procedure for the sanction
of loan to the customer
} PNB should ask for their customer feedback to know
whether consumers are satisfied or dissatisfied
} PNB should gave more emphasis on customer
relationship management
} Bank can post a list of services that they can render to
the customer inside the bank premises
} PNB should start ³Teen Marketing´ concept to lead ineducation loan
} The bank should provide a combined booklet of the
product range in order to upgrade the knowledge of
future taking of loans
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Conclusion
} 32% of the customer have taken loan from SBI and
even 24 % has taken from PNB this shows customer
prefer public sector bank for taking loans} Most of the respondents are planning to take education
loan for Management courses i.e.. 32% and
Engineering 28 %
} According to the survey customer demand less
documentation and low interest rate are most importantbefore taking loan
} According to the survey respondent thinks that PNB
requires too many documents so it¶s lagging in
particular area
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Limitation of the Study
} Sample size of 50 customers cannot represents whole
universe
} To access such a large number of consumer wasdifficult because of non cooperative attitude of
respondents
} Time constraint
} Ignorance and reluctant attitude of costumer was also a
major limitation
} Some respondents tends to give misleading
information