To AIMA-CME Management House, 14 Institutional Area Lodhi Road, New Delhi-110003 Subject:- To get approval of the attached Synopsis

to start project. Respected Sir/Madam, This is to state that I Riki Mahanta am a student of 4th Module PGDM (AIMA) in NORTH EASTERN REGIONAL INSTITUTE OF MANAGEMENT, Guwahati. My registration no is 421020498. The title of my project is Post Analysis of Education Loan with special reference to UCO bank, Jorhat. My project guide is Mr. Soumyo Das (CV Attached). I am submitting the synopsis of the said project. I Kindly request you to approve my synopsis so that I can go ahead with my project. Thanking You Yours obediently Riki Mahanta Registration No 421020498 Nodal Centre- NERIM, Ghy Study centre code - 80 Address of Correspondence C/O B.C Mahanta Akashi Path, H No 5 Jonali Bus Stop, Zoo Road Ghy-781024 Soumya Das (Project Guide)

Project synopsis

1. Name 2. Registration number

: :

Riki Mahanta 421020498

3. Name of the Programme 4. Address of Correspondence

: :

42 Post Graduate Diploma in Management C/O B.C Mahanta Akashi Path, H No 5, Jonali Bus Stop Zoo Road - Ghy

5. Title of the Project

The Study on Post Analysis of Education Loan with special reference to UCO Bank

6. Name of the Project Guide

Soumya Das

7.

Designation & Address

Lecturer & Head of Finance & Account Department, North Eastern Regional Institute of Management (NERIM), Padma Nath Sarmah Bhawan, Jaya Nagar, Khanapara, Guwahati 781022, Assam. Phone (M): 9508346060

Synopsis
TOPIC :A Study on the post Analysis of Education Loan with special reference to UCO Bank.

Purpose
The main purpose of the study is to find out education loan scheme of UCO Bank. The new trend in current years with education for the students who want to improve their knowledge but they cannot afford for the educational expense, they need to find the financial aid. There are some reasons for this trend: *High cost of quality education *Reduced subsidy / financial support from Government *Student should continue and pursue education without break *No deserving student be denied opportunity to pursue higher education for want of financial support. *Loans for education is to be seen as an investment for economic development and prosperity *Knowledge and information would be the driving force for economic growth in the coming years *Human capital is national priority The purpose of education loan is to provide the financial support from the banking system or financial institutions for students *Deserving/ meritorious students to get loans for pursuing higher education in India and abroad *Affordable terms and conditions so that no deserving student is denied an opportunity to pursue higher education for want of financial support. Aim :- The Aim of the project was to make a post analysis of educational loan, its Benefits and obstacles faced by students in availing the opportunity of financial help and also the problem in recovery procedures faced by the Bank.

Primary Objectives:To study the prospects and problem of education loan provided by UCO Bank to the needy and Meritorius students to Pursue higher education in India and Abroad.

Secondary objectives : To assess the level of Awareness of education Loan amongst the students. To know the courses for which education loans are available. To determine whether the students have got job guarantee from their respective institutions after completion of the course and if not then what is the probability of getting a job. To know the rate of interest charged on the Loan amount. To know how the students rank the parameters like Information of Loan, processing of loan, rate of interest, Security/guarantor, and disbursement of loan from their experience. To find out the problems that students have faced while applying for the loan and getting the Loan sanctioned. To highlight the obstacles faced by the bank and remedies can be taken by the bank in Recovering the Loan amount.

KEY QUESTIONS: 1) For what type of courses Educational loan is being provided ? 2) What are the obstacles faced by the students in availing the Loan? 3) What interest rate bank is charging against the principal amount and how it is calculated and any concession if the interest is serviced during the moratorium period ? 4) Why are Guarantors required ? 5) What Problems Faced by a bank in Recovering a Loan sanctioned without any security i.e less than 4lacs?

Research Methodology : Unit of Research Study :- The Research has been Conducted at UCO Bank -Jorhat branch. Sample Selection & Sample Design :- Sampling in educational research is generally conducted in order to permit the detailed study of part, rather than the whole, of a popu lation. The information derived from the resulting sample is customarily employed to develop useful generalizations about the population. These generalizations may be in the form of estimates of one or more characteristics associated with the population, or they may be concerned with estimates of the strength of relationships between characteristics within the population . RESEARCH TOOL :Tool for the Research study is Pie Chart and Bar Diagram prepared as per the data collected. DATA COLLECTION :Data is the foundation of all the research. Collection of data refers to a purposive gathering of information relevant to the subject matter of the study from the units under investigation. Its the raw material with which the researchers functions. The project is conducted based on both Primary Data and Secondary Data.

Primary Data is collected through Questionnaires Method in which proper care

has been taken in designing the questions so that it is easy to understand to all. Both the open ended and closed ended questions have been included keeping in mind the project work so that all the required and essential information are collected. Secondary Data is collected from Banks Reports for the period 2008-2012 and is used for the project preparation. Besides for the explanation of several issues, different articles, internet data and books etc. were consulted.

Sample Size :- The total number of sample taken is 75. COMPILATION AND ANALYSIS OF DATA:Data are in the form of sequential and logical order. For the purpose of analysis data are arranged, tabulated and prepared pie Chart and bar diagram which will help in finding the desired result that fulfills the said objective.

PROPOSED CONTENTS OF DISSERTATION: CHAPTER 1 CHAPTER 2 CHAPTER 3 Introduction. Company profile (UCO Bank) Introduction to the Topic ( A Study on the post Analysis of Education Loan with special reference to UCO Bank) Findings, Analysis and Interpretation of the study. Recommendation and Conclusion Annexure 1. Questionnaire 2. References/ Bibliography

CHAPTER 4 CHAPTER 5 CHAPTER 6