A Study on HDFC Bank With Regard to Education Loan
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Transcript of A Study on HDFC Bank With Regard to Education Loan
7/23/2019 A Study on HDFC Bank With Regard to Education Loan
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Project ReportOn
“A study on HDFC bank with regard toEducation loan
7/23/2019 A Study on HDFC Bank With Regard to Education Loan
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The Housing Development FinanceCorporation Limited (HDFC) was the frstbank to receive an 'in principle' approvalrom the !eserve "ank o #ndia (!"#) to setup a bank in the private sector$ The bankwas incorporated in %ugust & in thename o 'HDFC "ank vt$ Limited'* with its
registered o+ce in ,umbai* #ndia$
!"#ROD$C#!O"
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%s on -&st ,arch* ./&0 the authori1edshare capital o HDFC "ank is !s$ 00/ crore$
The paid2up capital as on the said date is!s$ .0*-3*&*//42 ( .*0-*3*&/ e5uit6shares o !s &/42 each) and the "ank hasabout 0*3*77 shareholders$
The shares are listed on the "omba6 8tock
9:change and The ;ational 8tock 9:changeo #ndia
Capital %tructure
7/23/2019 A Study on HDFC Bank With Regard to Education Loan
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To know about the HDFC bank in
education loan.
To know about the position of HDFCbank in market.To analyze the practical knowledge in
the bank.To get knowledge about the banking
sector .
OBJECTIVES OF THE STUDY
7/23/2019 A Study on HDFC Bank With Regard to Education Loan
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8"#
#C#C#
<otak mahindra
&A'OR CO&PE#!#OR%
7/23/2019 A Study on HDFC Bank With Regard to Education Loan
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The ma:imum amount o loan granted or educationin #ndia is !s$&/ lakhs and !s$ ./ lakhs or educationin abroad$ The rate o interest o=ered is attractive$
!epa6ment o loan commences either one 6ear aterthe course ends or si: months ater one gets a >ob$ #tdepends on which one is earlier to the other$
Candidates ma6 also fll and submit the online
application orm$ The representatives o the bank getin touch with the applicants as soon as possible$
Features and (ene)ts o*ered byHDFC (ank
7/23/2019 A Study on HDFC Bank With Regard to Education Loan
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?ou need to be an resident ?ou should be aged between &@2-0 6ears
#nstitute admission letter with ee break up %ge proo o applicant #dentit6 proo !esidence proo Latest photograph(signed across)
Eligibility criteria +or securing educationloan
7/23/2019 A Study on HDFC Bank With Regard to Education Loan
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Aet 9ducation loan upto !s$7 lakh withoutcollateral securit6
#n case o education loan above !s$ 7 lakh*collateral securit6 is re5uired
,a:imum repa6ment tenure is upto &0 6ears !epa6ment starts & 6ear ater course
completion 4 @ months ater obtaining
emplo6ment (whichever is earlier) Loans are available or short duration4 >ob
oriented courses also$
Features , (ene)ts -!ndian Education
7/23/2019 A Study on HDFC Bank With Regard to Education Loan
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%trengths. HDFC bank is the largest private sector
bank in #ndia having .*./& branches and
7*&&/ %T,Bs$ HDFC bank is located in &*&7 cities in #ndiaand has more than 3// locations to servecustomers through Telephone banking$
HDFC bank o=er high degree o customersatisaction when compared to other private
banks$
%/O# analysis
7/23/2019 A Study on HDFC Bank With Regard to Education Loan
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/eakness. HDFC bank doesnBt have strong presence in
!ural areas* where as #C#C# bank is its directcompetitor is e:panding in rural market$
HDFC bank cannot en>o6 frst mover
advantage in rural areas$ !ural people arehard core lo6al in terms o banking services$
The share prices o HDFC are otenuctuating causing uncertaint6 or the
investors
7/23/2019 A Study on HDFC Bank With Regard to Education Loan
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Opportunities. HDFC bank has better asset 5ualit6
parameters over government banks* hencethe proft growth is likel6 to increase$
HDFC has ver6 good opportunities in abroad$
HDFC bank has improved itBs bad debtsportolio and the recover6 o bad debts are
high when compared to government banks$
7/23/2019 A Study on HDFC Bank With Regard to Education Loan
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#hreats. The HDFC is not able to e:pand its market
share as #C#C# imposes ma>or threat$
The government banks are tr6ing tomoderni1e to compete with private banks
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Descriptive !esearch Design 8ample 8i1e &//
8ample T6pe %rea 8ampling 8ample %rea <arnal !%;D, 8%,L#;A Data Collection rimar6 G 8econdar6 Data Collection techni5ue 5uestionnaire method
RE%EARCH DE%!1"
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2.3 ARE 4O$ HA5!"1 A"ED$A#!O" 6OA"7
4es no
70 .0
&0/
./
6es
no
In the survey I find they have knowledge about education loan only !" respondents are
says he have education loan and #!" respondents are says he not have education loan.
7/23/2019 A Study on HDFC Bank With Regard to Education Loan
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2.8 FRO& /H!CH (A"9 HA5E 4O$HA5E ED$CA#!O" 6OA"7
%(! HDFC P"( !C!C! %yndicate (ank
$nion(ank
-/ .0 &0 ./ 3 .
/
-0.0
-/
&00 8"# HDFC
;" #C#C#
86ndicatebank
nion bank
#n the surve6 # fnd more than -/ have 8"# education loan andrest more .0I HDFC and ./I have icici
7/23/2019 A Study on HDFC Bank With Regard to Education Loan
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2.: FRO& /H!CH CHA""E6 HA5E 4O$ AC2$!RED #HE
ED$CA#!O" 6OA"7
Agents Others
3/ ./
&./
-/
%gents
others
#n the surve6 # fnd more than respondents getting education loan
rom compan6 agent and >ust onl6 ./I person has loan rom othersources
7/23/2019 A Study on HDFC Bank With Regard to Education Loan
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2.; 4ou want to ha<e educationloan +or +urther studies7 4es "o can=t say
@/ &/ -/
3/
0
@06es
no
can't sa6
#n the surve6 # asked the 5uestion rom &// respondents and >ust onl6@/I respondents want to education loan or urther stud6 and /I
customer canBt give me response$
7/23/2019 A Study on HDFC Bank With Regard to Education Loan
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2>? ARE 4O$ A%%E%%ED #O #A@7
yes no
-0 @0
00@0
6es
no
#n the surve6 # ound that -0I people assessed to ta: and @0I
people do not assessed ta:
7/23/2019 A Study on HDFC Bank With Regard to Education Loan
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2? 4O$R OCC$PA#!O"7
%alaried %el+eBployeed
Retired Housewi+ e
1o<ernBent
"R!
/ ./ &/ &/ ./ /
@/
.0./
&0
-/0salaried sel
emplo6eed
retired housewie
government ;!#
#n the surve6* # ound that /I respondents are salaried who take
education loan and &/ I are retired respondents$
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There is a health6 relationship betweenemplo6ees and organisation
There is a proper acilit6 or providingtraining in organisation
There is a recruitment polic6 in organisationwhich helps in acheiving ob>ectives
The organisation provides training to more
than fteen emplo6ees in a 6ear
Findings
7/23/2019 A Study on HDFC Bank With Regard to Education Loan
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# have Concluded that HDFC bank is providing
attractive rate o interest on education loan
#t is o=ering good rate o interest as compared to other
private sector banks
#ts assets 5ualit6 parameter is high
9mplo6ee turnover ratio is low
#t is o=ering good incentives to emplo6ees
CO"C6$%!O"
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The most o persons gave no response tome the6 said J8orr6J # am bus6$
The most persons gave no response to meand the6 said # have no time$
The most persons gave no response to meand the6 said call back me ne:t da6 orsome other da6$
8ome persons became angr6 and uriouswhen # tr6 to ask di=erent things to them$
#t was summer season at visit time$
6!&!#A#!O"%
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HDFC bank has to improve its brand image* i$e$*it has to position itsel in the minds o prospectsin a better wa6 in comparison to others$ Furtherit has to provide a good environment and good
interest rate or education loan$
#t should give more emphasi1e in advertising asit the most powerul tool to position an6 brand in
the mindsets o customers$ There is also a needto modi6 the services and benefts provide b6the bank to its customers and emplo6ees$
RECO&&E"DA#!O"%
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