Pnb Summer Final

8/8/2019 Pnb Summer Final

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Project Report on ³A

Comparative Study

of Retail Loans´

Udit Kathpalia

Roll No: 109347



Table of Content

} Company Profile

} Objectives

} Market Share

} Education Loan Scheme

} Research Methodology

} Recommendation

} Conclusion} Limitation



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



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



Market Share of Banks



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



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



Research Methodology

} Primary data :through questionnaire by mail, by

personal interview

Sample size :50

} Secondary data: Newspaper, magazine, journals,

websites



Sampling Plan

} Sampling Technique: Random sampling

} Research Instrument: Structured Questionnaire

} Contact Method: Personal interview



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



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



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

Pnb Summer Final

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