Home is a dream of a person that shows the quantity of efforts, sacrifices luxuries and above all

gathering funds little by little to afford one’s dream. Home is one of the things that everyone one
wants to own. Home is a shelter to person where he rests and feel comfortable. Many banks
providing home loans whether commercial banks or financial institutions to the people who want to
had a home. The housing sector plays an important role in the economic development of the
country. My project title is “A STUDY ON HOME LOANS”. I selected this topic because The Indian
housing finance industry has grown by leaps and bound in few years.Total home loans
disbursements by banks has risen which witnesses phenomenal growth from last 5 years. There are
greater number of borrowers of home loans.so by this study we can find out satisfaction level of
customers and problems faced by them in obtaining home loans. My objectives of study are• To
make comparative study of Disbursement of home loans by commercial banks. • To study the
satisfaction level of customers about home loans. • To study the problems faced by customers in
obtaining the home loans. For this I had taken four commercial Banks in Dehradun city namely HDFC
Bank, PNB, standard chartered Bank, SBI. It includes two public sector banks and two private sector
banks. The period of study is five years commencing from 2004-2008. In the research methodology I
had taken both primary data as well as secondary data , in the primary data I had make a
questionnaire to check the satisfaction level of customers about home loans . In the secondary data I
had studied the annual reports of RBI, commercial banks & broachers of these banks. For the first
objective I had collected the information about the number of account holders of specified banks, no
of disbursement of home loans and recovery of these loans. After analysis I came to following
findings In the comparative study of specified banks it’s found that
Punjab National Bank is having large number of customer base with high loan disbursement and
recovery of loans.
The standard chartered bank showed less outstanding balance which presented in percentage
form in the diagram.
In case of second objective i.e. customer satisfaction level it is found that On the basis of data the
HDFC is emerging at higher position a Compare to Standard chartered bank and other public sector
banks on Ground of professionally managed services, reliable & transparent System, easy query
handling etc.
And problems face by customers in obtaining home loans are • The customer does not had proper
knowledge about different Home loan products so they face problem in making a good deal.