The

cooperative bank in India plays an important role even today in rural financing. The businesses of cooperative bank in the urban areas also have increased henomenally in recent years due to the sharp increase in the number of primary co-operative banks. Co operative Banks in India are registered under the Co-operative Societies Act. The Cooperative bank is an important constituent of the Indian Financial System, judging by the role assigned to co operative.

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pathankot central cooperative is a prestigious bank in Punjab. The bank was registered on 11.02.1909. The plan to open the bank was motivated by specially Rai Abrader Badri and Khan Bahadur khan Ahmed Shah. Khan Bahadur Khan Ahmed shah was the first president of Bank. The bank constructed own building in 1924 on J.T road, pathankot and inaugurated by C.A.H Townsend Esq. C.I Commissioner, pathankot.

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find out that for the home lone people prefer which bank public or privet bank. To study that for the home loan why people prefer either public or private. SCOPE The scope of the study is confined in comparing the Public sector and Private sector banks in terms on home loan of consumer perception.

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work profile at the Gurdaspur central cooperative bank was to do a comparative analysis of customer preference of public or private sector bank for home loan.

Following tests have been used using spss.

KMO and Bartlett's Test Which is more then .5. PRIMARY DATA 150 simple

.606

KMO teats The KMO measures the sampling adequacy which should be greater than 0.5 for a satisfactory factor analysis to proceed. We have applied KMO and Bartletts test to check the adequacy of data and defined KMO measure is.606 which is more than standard value of KMO 0.5 hence data is adequate for my research.

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Communalities test revealed the significant association between public and private bank customer satisfaction. From the Communalities test output table we see that a significance level of all factor has been achieved defferent. This means the Communalities test is showing a significant association between the above two variables. Like in public bank people prefer home loan for less risk factor and for home loan. But in privet bank for interest rate home loan less risk factor and fast processing.

In during my research I have taken 150 respondents or sample size and analyzed the data according to sample size analyzed the data. The 65.192% data is accurate in my research from 100%, but 35% data is lost. It is good sign because it is above from standardizing value which is 55%-60%. Component Matrix As we have looked the communalities table which is showing 9 factors from which 6 factors are very strong because all 5 factors lies between0.5 to 1.but there is 3 factors which is less than 0.5 so 5factors are playing very important role in my research and two whose value is less has very less impact on my research.

Interpretation: 57% people prefer sbi bank, 40%people prefer pnb bank, 20% people prefer cooperative bank, 29% people prefer union bank of India. It was found that in case of public sector banks, maximum number of people prefer bank. After then pnb and then union bank and then cooperative bank. Interpretation: 60% people prefer hdfc bank, 40%people prefer icici bank, 30% people prefer axis bank, 5% people prefer yes bank. It was found that in case of private sector banks, maximum number of people prefer hdfc bank. After then icici and then axis bank and then yes bank.

Many people prefer for the home loan of the private banks. because of its rate of interest. And fast processing. People are more satisfied form the private sector banks due to their better home loan services provided by them in terms fully computerized facilities, more working , good employee behavior. Suggestion Internet banking facility must be made available in all the banks. Cooperative Banks should provide home loan at the lower interest rate. The bank should bring out new schemes at time-to-time so that more people can be attracted. it needs to be improved proper and efficient relationship staffs having knowledge for one stop banking, customer friendly atmosphere and good behavior with customer.

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people prefers government banks for home loan, especially older persons are more dependent on government banks. but It is true that now younger population preference is changing and they prefer more private banks because of services and facilities provided by private banks. At last I can only say that private Bank enjoys leading position in home loan sector.