Project Report

On
A study on HDFC bank with regard to
Education loan

INTRODUCTION

The Housing Development Finance

Corporation Limited (HDFC) was the first
bank to receive an 'in principle' approval
from the Reserve Bank of India (RBI) to set
up a bank in the private sector. The bank
was incorporated in August 1994 in the
name of 'HDFC Bank Pvt. Limited', with its
registered office in Mumbai, India.

Capital Structure
As on 31st March, 2015 the authorized
share capital of HDFC Bank is Rs. 550 crore.
The paid-up capital as on the said date is
Rs. 425,38,41,090/- ( 42,53,84,109 equity
shares of Rs 10/- each) and the Bank has
about 5,48,774 shareholders.
The shares are listed on the Bombay Stock
Exchange and The National Stock Exchange
of India

OBJECTIVES OF THE STUDY

To know about the HDFC bank in
education loan.
To know about the position of HDFC
bank in market.
To analyze the practical knowledge in
the bank.
To get knowledge about the banking
sector.

MAJOR COMPETITORS

SBI

ICICI

Kotak mahindra

Features and Benefits offered by

HDFC Bank

The maximum amount of loan granted for education

in India is Rs.10 lakhs and Rs. 20 lakhs for education
in abroad. The rate of interest offered is attractive.

Repayment of loan commences either one year after

the course ends or six months after one gets a job. It
depends on which one is earlier to the other.

Candidates may also fill and submit the online

application form. The representatives of the bank get
in touch with the applicants as soon as possible.

Eligibility criteria for securing education

loan

You need to be an resident

You should be aged between 16-35 years
Institute admission letter with fee break up
Age proof of applicant
Identity proof
Residence proof
Latest photograph(signed across)

Features & Benefits Indian Education

Get Education loan upto Rs.7 lakh without
collateral security
In case of education loan above Rs. 7 lakh,
collateral security is required
Maximum repayment tenure is upto 15 years
Repayment starts 1 year after course
completion / 6 months after obtaining
employment (whichever is earlier)
Loans are available for short duration/ job
oriented courses also.

SWOT analysis
Strengths:
HDFC bank is the largest private sector
bank in India having 2,201 branches and
7,110 ATMs.
HDFC bank is located in 1,174 cities in India
and has more than 800 locations to serve
customers through Telephone banking.
HDFC bank offer high degree of customer
satisfaction when compared to other private
banks.

Weakness:
HDFC bank doesnt have strong presence in
Rural areas, where as ICICI bank is its direct
competitor is expanding in rural market.
HDFC bank cannot enjoy first mover
advantage in rural areas. Rural people are
hard core loyal in terms of banking services.
The share prices of HDFC are often
fluctuating causing uncertainty for the
investors

Opportunities:
HDFC bank has better asset quality
parameters over government banks, hence
the profit growth is likely to increase.

HDFC has very good opportunities in abroad.

HDFC bank has improved its bad debts

portfolio and the recovery of bad debts are
high when compared to government banks.

Threats:
The HDFC is not able to expand its market
share as ICICI imposes major threat.

The government banks are trying to

modernize to compete with private banks

RESEARCH DESIGN
Descriptive Research Design
Sample Size : 100
Sample Type : Area Sampling
Sample Area : Karnal
RANDOM SAMPLING:
Data Collection : Primary & Secondary Data
Collection technique: questionnaire method

Q:2 ARE YOU HAVING AN

EDUATION LOAN?
Yes

no

75

25

20
yes
no
150

In the survey I find they have knowledge about education loan only 75% respondents are
says he have education loan and 25% respondents are says he not have education loan.

Q:3 FROM WHICH BANK HAVE YOU

HAVE EDUCATION LOAN?
SBI

HDFC

PNB

ICICI

Syndicat
e Bank

Union
Bank

30

25

15

20

15 5 40
30
25 35

SBI
PNB
Syndicate
bank

HDFC
ICICI
Union bank

In the survey I find more than 30 have SBI education loan and
rest more 25% HDFC and 20% have icici

Q:4 FROM WHICH CHANNEL HAVE YOU ACQUIRED THE

EDUCATION LOAN?
Agents

Others

80

20

30
Agents
others
120

In the survey I find more than respondents getting education loan

from company agent and just only 20% person has loan from other
sources

Q:5 You want to have education

loan for further studies?
Yes

No

cant say

60

10

30

65

80

yes
no
can't say

In the survey I asked the question from 100 respondents and just only
60% respondents want to education loan for further study and 40%
customer cant give me response.

Q6. ARE YOU ASSESSED TO TAX?

yes

no

35

65

65

55

yes
no

In the survey I found that 35% people assessed to tax and 65%
people do not assessed tax

Q7. YOUR OCCUPATION?

Salaried

Self
employe
ed

Retired

Housewif
e

Governm
ent

NRI

40

20

10

10

20

30 5
60
15
20 25

salaried
retired
government

self
employeed
housewife
NRI

In the survey, I found that 40% respondents are salaried who take
education loan and 10 % are retired respondents.

Findings
There is a healthy relationship between
employees and organisation
There is a proper facility for providing
training in organisation
There is a recruitment policy in organisation
which helps in acheiving objectives
The organisation provides training to more
than fifteen employees in a year

CONCLUSION

I have Concluded that HDFC bank is providing

attractive rate of interest on education loan

It is offering good rate of interest as compared to other

private sector banks

Its assets quality parameter is high

Employee turnover ratio is low
It is offering good incentives to employees


LIMITATIONS

The most of persons gave no response to

me they said "Sorry" I am busy.
The most persons gave no response to me
and they said I have no time.
The most persons gave no response to me
and they said call back me next day or
some other day.
Some persons became angry and furious
when I try to ask different things to them.
It was summer season at visit time.

RECOMMENDATIONS

HDFC bank has to improve its brand image, i.e.,

it has to position itself in the minds of prospects
in a better way in comparison to others. Further
it has to provide a good environment and good
interest rate for education loan.

It should give more emphasize in advertising as

it the most powerful tool to position any brand in
the mindsets of customers. There is also a need
to modify the services and benefits provide by
the bank to its customers and employees.

U
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Y
K
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