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customers:-
with attractive features like rate of interest, margin etc. for attractive
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8. The number of staff, handling loan affairs should be increased.
10. There should be lesser formalities for providing the home loans so that
11. The bank should disseminate information using web staegery and
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• The customer base of high and product like high value
Researcher did research on one city, i.e. New Delhi. Future research
in other cities can help researcher to know to different metro cities bank
researcher had not taken BPL bank customers. So in future, take their
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Data for last 10 years. In this research, the researcher has taken only
research defaulter data has not been taken which can affect the
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5. The behavior of the bank staff towards the customer need to be
more personalized.
The method for the loan sanction to the customers needs to be short
and easy. Lesser legal formalities will make the sanctioning of loan
procedure easy and swift. Hence, attract more and more customers to
The banks should try to lower their interest rate on, at least on specific
need to say bank with the lower rate of interest for home loans will
The scheme of PNB is quite beneficial for the person who want to buy
reachable to the general public in rural area. That’s why they have
customers for home loans from their own staff or the account holders in
their bank only. So they should make the scheme more transparent
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and reachable to the common man, so that they can avail the benefit of
the scheme.
Although ICICI bank is the market leader in home loan sector, but they
The loans are provided by the banks as per customers’ eligibility and
loan amount as per their need because of such norms. Therefore, the
bank should try to offer the loan amount according to their norms.
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