RESEARCH PROJECT ON

(COMPARATIVE STUDY ON PRIVATE OR PUBLIC SECTOR

BANK)

FOR THE PARTIAL FULFILMENT OF REQUIREMENT

FOR THE AWARD OF

BACHELOR OF BUSINESS ADMINISTRATION

SUBMITTED BY UNDER THE GUIDANCE

KAPIlKUMAR OF RUCHI GUPTA
16GSOB101328

Bachelor Of Business Administration

2016-2019

School of business,Galgotias university

 TITLE
A comparative study of home loan offered by private and public
sector bank in greater Noida
INTRODUCTION
Every citizen of the country dreams of having his own house . Home is a basic
needs of a human being ; it is an important facet of economic development.The
dream home is not very far away with home loan ,which will fulfill the dream into
reality . the demand for home loan has increased manifold in the last decade .
Home loans work like any other debt. That is, loans are simply specific money
thatwe borrow from a bank, a private lender, or some other type of lender. The
Indian banking system can be classified into nationalized banks, private banksand
specialized banking institutions. The industry is highly fragmented with
30banking units contributing to almost 50% of deposits and 60% of advances.
TheReserve Bank of India is the foremost monitoring body in the Indian Financial
sector.It is a centralized body that monitors discrepancies and shortcomings in the
system

 Extension Loans
 Home Equity Home Purchase Loan
 Home Improvement Loan
 Home Construction Loan
 Home Loans
 Land Purchase Loans
 Bridge Loans

PUNJAB NATIONAL BANK :

PNB has over 4500 branches and offices bringing the Punjab National
Bank to yourdoorstep. Around 2400 offices come under the network of
Centralized BankingSolution or CBS.
Internet Banking Services are provided to all customers in the CBS
branches. Abranch and ATM locator is also available on the official
website of Punjab NationalBank. For an overview of the annual report
or the bank profile, the site can beresourceful. The website also provides
info on the careers and recruitments at PNBand the exam results. The careers
at nationalized banks like PNB are the most soughtafter one and candidates are
selected on the basis of their exam result.
STATE BANK OF INDIA:
State Bank of India (SBI) is India's largest commercial bank. SBI
has a vast domesticnetwork of over 9000 branch(approximately
14% of all bank branches) andcommands one-fifth of deposits
and loans of all scheduled commercial banks in India.The State
Bank Group includes a network of eight banking subsidiaries
and severalnon-banking subsidiaries offering merchant banking
services, fund management,factoring services, primar dealership
in government securities, credit cards andinsurance.The eight
banking subsidiaries are:State Bank of BikaneJaipur(SBBJ),State
Bank of Hyderabad (SBH).State Bank of India (SBI).topped the
Best Paying Commercial Bank category with an overall rating of
87.45% as evaluated by the SSS Retirement, Death & Funeral
Benefits Program.:13Indore (SBIR),State Bank of Mysore
(SBM),State Bank of Patiala (SBP),State Bank of Saurashtra
(SBS) and State Bank of Travancore (SBT). The SBI’s powerful
corporate banking formation deploys multiple channels to
deliverintegrated solutions for all financial challenges faced by
the corporate universe. TheCorporate Banking Group and the
National Banking Group are the primary deliverychannels for
corporate banking products.
LITERATURE REVIEW
In august 2001 James B. Thomson and Ben R. Craighad studied
about theFederal Home Loan Bank Lending to Community
Banks,are TargetedSubsidies Necessary? The Gramm-Leach-
Bliley Act of 1999 amended thelending authority of the Federal
Home Loan Banks to include advancessecured by small
enterprise loans of community financial institutions.
In Housing, as one of the three basic needs of life,alwaysremains
on the top priority of any person, economy, government and
society at large. In India, majority of the population lives in
slums and shabbyshelters in rural areas. From the last decade,
the Government of India has beencontinuously trying to
strengthen the housing sector by introducing varioushousing
loan schemes for rural and urban population.
the Economic FactorsAffecting Home Mortgage Disclosure Act
Reporting.The public release of the 2004-2005 Home Mortgage
Disclosure Act data raised a number of questions given
theincrease in the number and percentage of higher-priced
home mortgage loans andcontinued differentials across
demographic groups.9is generally expected to be paid back,
within the range of 6-36 months, till the timethe borrower gets
more permanent and lower cost financing.So, bridge loans, (or
swing loans as they are otherwise said) is a short term
loanprovided by various banks like Bank of India, Citibank,
ICICI etc. often used forcommercial real estate purchases,
retrieve real estate from foreclosure.Bridge loans in corporate
finance are called gap financing, and are used to cover thetime
between redemption of issuance of one bond and its
replacement by a new issue.
OBJECTIVES:
 To study the cost of home loans provided by the bank.

To know that which bank provide batter loan schemes.

To analyze the home loan scheme by PNB and SBI banks.

To know the consumer perception about the home loan.

RESEARCH METHODOLOGY
 Design of Research:
The research will be exploratory in nature. A population of
peoples who take homeloan from these banks considered for
this study. I will try to explore about thehome loans which
would make a difference in the behavior of the consumer
 Sampling plan:Population:The study aimed to include the
customers of SBI and PNB in nawanshahr, tomake a
comparative analysis of home loan schemes of these two
banks..
 Sample Size:A Sample size of 100 respondents will be taken
for the current study because it isnot possible to cover the
whole universe in the available time periodSampling
technique:The sampling technique will be probabilistic
sampling more specifically therandom convenient and
judgemental sampling will be used.
 Sources of Data:I will use primary source of data that is
structured questionnaire. As these banks areestablished from
so many years, so many researchers have done research on
this topic
 Tools and Techniques:
As no study could be successfully completed without proper
tools & techniques, samewith my project.
REFERENCES:
Singh, Fulbag and Sharma, Reema,(December 2006) Housing
Finance in India:A Case Study of LIC Housing Finance Limited.
ICFAI Journal of FinancialEconomics, Vol. 4, No. 4, pp. 63-74,
December 2006. Available
atSSRN:http://ssrn.com/abstract=959359
LaCour-Little, (May 18, 2007) Michael,Economic Factors
Affecting HomeMortgage Disclosure Act.
SSRN:http://ssrn.com/abstract=992815
Borde, Stephen F. May/June 1991 ,Is the Savings and Loan
Industry FacingExtinction?The Secured
Lender,Vol.47.SSRN:http://ssrn.com/abstract=151018
Rosner, Joshua (June 29, 2001).,Housing in the New
Millennium: A HomeWithout Equity is Just a Rental with
Debt,Available atSSRN:http://ssrn.com/abstract=1162456
Jacoby, Melissa B.( dec 2006) Home Ownership Risk Beyond a
SubprimeCrisis: The Role of Delinquency Management.
Fordham Law Review, Vol. 76,2008; UNC Legal Studies
 QUSTIONARAI:

Name__________
Qualification
Age 18-25 25-35 35-40 Above
Gender________
16)What is your occupation?
 Businessman Government employee

House wife Student

Other

17)From how many years you are associated with this bank?
Less than 1 year 1_5
More than 5 year
3)How do you come to know about the home loan schemes of
this bank?
 News paper

Television

Internet

Other resources

4)Are you aware of these type of home loans?

Home purchase laon

 Home construction loan

Home improvement loan

Home extention loan

Home equity loan

Land purchase loan

5)Are you aware all terms and conditions of home loans?

 Yes

No

6)Are you satisfy with the interest rate charges by your bank?

 Strongly agree Agree

 Strongly disagree Disagree

7)Your bank offer which type of services ?

Mobile banking
Net banking
Forex banking
8)Do you agree that your bank loan processing is fast?
Strongly agree
agree
Strongly disagree

Disagree