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The present study was carried out with the objective to know c







co as to know strength and weakness of loan schemes of Bank
of Punjab Ltd. so that strengths can be increased and weaknesses can be made ³the
best´ in banking field.


 
Project Report on Credit cchemes of cBI and Other Banks

Project Report on Retail Banking cervices

Research on Convergence of Banking cector to Housing Finance

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Research Methodology in a way is systematic representation of research or any other

problem. It is a written game plan for conducting research. It tends to describe the step
taken by a researcher in studying the research problem along with a logical
background.

It tends to describe methodology for solution of the problem that has been taken for
the purpose of study this project focuses on the methodology for technique used for
the collection, classification & tabulation of the data. This plan throws light on the
research problem, the objective of study & limitation of the study. Therefore, in order
to solve a problem, it is necessary to design a research methodology for problem as
the same way differs from problem to problem.



The project undertaken during the summer training at ³Bank of Punjab Ltd.´ was
³Comprehensive study of Retail loans.
The main aim of the study is to understand the ³Retail Loans´ provided by ³Bank of
Punjab Ltd.´

It is the bank which understand the need of its customers & provides them best
facility.

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The nature of the study is that it has an applied base. The statement indicated that
result obtained from the study, inference drawn from the study can actually be applied
practically & can be of great help to the customer to know about Retail loans in more
comprehensive way.

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The study is restricted to Panipat itself. It aims at getting an insight in to Retail loan. It
also aims at familiarized with the customer during the market survey help me a lot in
understanding the practical aspect of the loan as a whole .

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The main objective of the study is to understand the Retail loans provided by bank of
Punjab . the objective was successfully achieved by performing the detailed survey of
5 other banks. The questionnaire for survey study was prepared keeping in mind the
following :-

j| To give level of information to the customer.¶

j| To give satisfaction regarding services offered by bank
j| To make out which bank provide services with best resources
j| To know the awareness among the common man about loan which they want to
take.

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Research methodology is a way to systematic solve the research problem. It is a

procedure, which is followed step by step to solve a particular research problem.
There are basically four types of researches

j|  PLORATIV RcARCH
j| ÔcCRIPTIV RcARCH
j| ÔIAGNOcTIC RcARCH
j| HYPOTHcIc TcTING RcARCH
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To gain familiarity with the phenomenon or to achieve an insight into it.

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To poetry accurately the characteristic of the particular individual situation or a group.

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To determine the frequency with which something occurs or with which it is associate
with something else.

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To test a hypothesis of casual relationship between variables. The present project is

Ôescriptive in nature. It is done to poetry accurately the characteristic of a particular
individual situation or a group. The major purpose is descriptive research is the
description of the state of the affairs as it exits at presents. The main characteristics of
this method are that the researcher has no control over the variables; he can only
report what has happened or what is happening.



There are cix steps of Ôesigning A Research Report.

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As my research project is about the comprehensive study of retail loan & role of Bank
of Punjab Ltd. providing them so first of all the various objectives of the project were
specified.

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the second step in designing the project work is the preparation of list of need
information. There is basic information on which the research project is to structure.
In this project the various are handed in starting of the project.

These are as follows:-

Q. What is the study about.?

ANc: Comparative study of Retail loan.

Q. Why is the study being made?

ANc: to understand retail loan provided by bank of Punjab Ltd.

Q, Where will the study be carried out.?

ANc: Panipat only.

Q. What type of data is required ?

ANc : Primary as well as cecondary.

Q. Where can the required data be found?

ANc : Primary data trough questionnaire from the bank & secondary data through
magazines, newspaper. tc.

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Ôuring the data collection process a questionnaire was made for the collection of the
data from the consumers personally. Because in the research project both primary as
well as secondary data is required . so primary data was collected with the help of the
questionnaire.

The following type of question were asked from the consumers.

Ôichotomous

A. question with two possible answers says yes or no.

Multiples choice

A question with three or more answer

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Taking the sample of the study was not easy task. The objective and the lamination of
the study have to be kept in mind before decided about the sample type.

In the sample type all level of its consumers have been covered. Basically the present
customers as well as prospective customers were questioned with help of the
questionnaires.
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After decided upon the sample size & preparing the questionnaire, the fieldwork has
to be carried out. In the field work the place had to be chosen where you want to do
your study. This project survey work was carried out in the Panipat city.

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After the survey work was over & data had been collected the analyzing of the data
must & its graphically representation was needed. co after the data collection process
step by step analysis of data was done. On the basis of the analysis.



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File Charge Fees on PNB OBC UCO HÔFC ICICI

BOP
Loan Amount

1500/- 1500/- NIL NIL 1500/- 1500/-

0.40% 0.60% Nil Nil 0.50% 0.50%

PR-PAYMNT PNALTY

Penalty BOP PNB OBC UCO HÔFC ICICI

Nil 2% 2% Nil 3% 2%


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Rate of Interest BOP PNB OBC UCO HÔFC ICICI

17% 11% 11% 11% 15% 16%

5

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Loan Amount BOP PNB OBC UCO HÔFC ICICI

3 Lakhs 3 Lakhs 1.5 Lakhs 2.5 Lakhs 10.00 10 Lakhs

Lakhs

5  
 
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Tenure BOP PNB OBC UCO HÔFC ICICI

60 60 60 48 48 60


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The retail loan study bring the three type of loans. Which is of great help to
customers. The home loan education loan & personal loan are various loan which
makes life of easier of customers and make customer to afford that thing which he
dream to have in future but can buy now when he wants.

j| Home Loan
j| Personal Loan
j| ducation Loan

The analysis of the questionnaire that was circulated to as certain the views &
awareness is as follows :--

1. The BOP has lowest rate of interest in Home Loan.

2. There is no pre-payment penalty in case of Home Loan.

3. Lowest processing fees in case of Home Loan

4. The processing fees charges in case of education loan

5. Far behind from competitor in case of personal loan

The amount provided is lesser than other banks.

 
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 j| It is very small research, which may be insufficient to give the real
picture scope of the retail loan in Panipat and its catchments area.
j| The research is based on collected data and the researcher is not
responsible for any wrong inference drawn due to the incorrect filling of
the questionnaire by the respondents.
j| The method of result is also limited to the reliability of method of
investigations, measurement and analysis of data.
j| Auto loan are not included in the study of retail loans.
j| ducation loan are not providing by other banks like ICICI, HÔFC, &
IÔBI. co, it cannot compared with other banks.
j| People were not interested in filling questionnaire properly.
j| Loan scheme has been revised very soon.
j| ducation loan is provided for some special customers. It is not possible
for every customer to get ducation Loans

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j| Interest rate, processing fees, tenure, margin money-all these are

important in loans-housing loan, auto loans, personal loan, education
loans etc. co bank should revise all above keeping in view all other
banks. Bank should appoint some marketing executive for this purpose
who can give information of market and other banks, revision of loan
timely so that our bank can revise it very soon. These marketing
executive should give report to Head Office directly for timely
processing so that as early as possible, market can be fully captured.
j| Loan limit of all loans should be increasing keeping in other view private
sector banks and nationalized banks.
j| One of the major weakness of bank of Punjab is processing timely. As
today every person is very busy. He cannot more days for taking loan so.
Processing time should be reduced. But this processing time can be
reduced only when the sanction authority is necessary for branch offices.
j| As in nationalized banks, there is not negative file, but in bank of Punjab
but there is a list of negative profile. This is the main reason of the
nationalized banks having more customers. co. Negative file should be
reduced or eliminated.
j| Other private sector banks like ICICI, HÔFC etc. have lower interest rate
than BOP. co the bank should reduce it interest rate for being in the
competition with these banks.
j| Bank of Punjab is lower loan amount than other banks, so it should
increase its loans amount for attracting customer towards it products
loans .
 j| The bank should give authority to all its branches for providing loans.


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Bank of Punjab such a great reputation that it can very well go out and sell it product
to the out sides customers and be a winner. These are the responses from the people
who knew about Bank of Punjab but those of them who did not know it felt very
happy when the came to know that group. Bank of Punjab has come out with a new
life insurance venture. The only points now is, that when the company enjoys such a
great reputations. What it has got to do (to private its product to the people at very
competitive price and make them sure that their investment in the company is
absolutely secure.

My project was based to retail loans

The retail loan provided by BOP include

Home loans

ducation loans

Personal loans

The home loans provided by BOP is less than other banks and having lowest
processing fees. It comparison to other bank it has lower interest rate than same bank.

The personal loan is having maximum tenure period and lower interest rate. It contain
less amount of personal loans by the banks.

ducation loans is provided by only a few banks and services provided by bank for
education loans is not so goods.

 



j| www. Bankofpunjab.com
j| Research methodology (C.R. Kothari)
j| Business Magazines
j| Brochures, pamphlets and Circulars of Banks
j| Presentation by Trainers