REVIEW OF LITERATURE

Certain related studies have been gone through and reviews of such studies have been presented here: 1. SUMAN JAIN 1(Ethiraj Collage for Women) A study on personal loan of 1HDFC. In the year of 2008-2009. To identify loans types & disbursement by HDFC and concluded personal loans are disbursed without complex procedures, mechanism in such a way it earns a good return, where there are no defaulters. to make the customer aware of the schemes and the offers, the bank should position its brand, market analysis and the customer research. the bank must manage its working sometimes they need a loan for medical emergency and car repairs to makes the aware of the offers and schemes. personal loan as well as better response of people as today Personal loan is required for fulfil the requirement of life. 2. SHAMILKUMAR.Y.H2 (Institute of Management Studies)Evaluation of customer satisfaction on personal loan (HDFC & ICICI) during the year of 2009 to 2010.focusing It is help to understand that the technology in banking as well as how its effect on customer. Overall customer satisfaction is good for the ICICI compare to HDFC. It helps to poor and middle income people. in this survey we got that more people are from middle class, they want to fulfills their requirements. He is cover the cities only (hubli),sampling technique non probability sampling(judgemental) 3. JASVEEN 3ICICI Financial Personal Loan its helpful marriage related expenses or child higher education. ICICI competitors like HDFC, reliance etc. There might have been a tendency among the respondents to amplify or filter to their response under the testing condition. 4. Ranjeet Singh4 Comparative Analysis of SBI & HDFC Bank (ACME Institute of Management & Technology)during the year of 2008 to 2011. To Focusing customer satisfaction, characteristics, To determine the other bank those are competing with the same product rang in personal loan to conclude 45% of the government employee customer prefer SBI & 30 % of the self-employed &business mans customer prefer HDFC. Customer prefer other bank like ICICI, PNB, BANK OF BARODA. SBI interest rate is very low so most of the customer prefer , HDFC procedure of loan processing is very low comparing to SBI. Bank offers free insurance, special co-branded debit cards which makes its product unique. Bank aim to serve from the teen agers to senior citizen. Low income class people face difficulty to taking personal loan. Research type is descriptive research. Sampling technique is convenience technique.
1 1.Published by: Suman Jain on Jun 11.2011 WWW.APNALOAN.COM / WWW.HDFCBANK.COM / WWW.iseekloan.com 2.Published by: Suresh Babu Reddy on Sep 21.2010 3Published by: Utkarsh Sethi on Oct 30, 2010. bank bazaar.com 4. Published by: Arvind Mahandhwal on Jan 27, 2011 www.hdfcbank.com/www.sbibank.com/www.google.com

RAJNI 6 (Rukmini Devi Institute of Advanced Studies), New Delhi. A STUDY ON HOME LOAN OF HDFC during the year 2004 to 2008 focused to disbursement loans, customer satisfaction &face problems. Concluded disbursement process is also it will take low time when compare to other bank. Customer satisfaction is good HDFC for compare to standard chartered bank and other public sector bank. Problems are customer do not have proper knowledge, procedural delays, attitude of bank employers for non cooperative, do not take into account the paying capacity of customers. The sample size consists of both the professional and business class people. IT people, jewellers, doctors, timber merchants & real estate are takes as sample. Data has been presented in bar graph, pie chart and line graphs.

Rohit 7 (institution of business management )New Delhi. A STUDY ON HOME LOAN IN ICICI during period ( 2008 to 2010) findings of various benefits to the customer, government, builders and HFCs Banks.it concluded There is a growing tendency of investing at a younger age, increase in NRI demand in real estate, increased urbanization, owning property now more economical than renting. Builders is now a days focusing on end users rather than Investors and there is improvement in quality of constructions. he applicants applying for Home Loans were of young age as compared to past 10 years. Then the applicants ranging above 45 years were more in number applying but now there are applicants of even 25-30 years. the Self Employed Non Professionals i.e., business personswho are involved in their family business apply for Home Loans. Salaried are lessin number
MANPREET KAUR 8 (PUNJAB TECHNICAL UNIVERSITY), JALANDHAR A COMPARATIVE STUDY OF HOMELOANS PROVIDEBY COOPERATIVE BANK, PUNJAB NATIONAL BANK ANDSTATE BANK OF INDIA to identify different banks adopting procedure, customer satisfaction & problems, purpose of taking loan. Concluding customer satisficing for cooperative banks because customers feel secured while availing loans from Cooperative banks followed PNB or SBI the main purpose of taking home loans is Construction followed by repairs, purchase or improvement .The loan amount provided by cooperative banks are 2 to 10 lakhs.

6. http://www.hdfcindia.com/ http://www.iloveindia.com/real-estate/housing-finance-Companies/hdfc.html http://www.suncorp.com.au/suncorp/personal/home_loans./housing-development-financecorporation.html http://www.hdfc.com.mv/faq.htmrev kams.docx 7.Published by: John Paul on Sep 23, 2010 Pandey I.M., Financial Management Chandra P.,FinancialManagement Khan & Jain, Financial Management V.Sharan, Financial Institution & Services Induction program book of ICICI Bank Ltd. www.ICICIBank.com www.homeloans.com 8 Published by: Deepak Thakur on Aug 09, 2012 www.google.co www.sbi.co. www.deal4loans.com http://www.rupeetalk.com /home-loan/compare-and-apply-pnb-home-loan/ http://www.investment bazar.com/eligibilitycriteria/ http://www.pnbindia.in

9. SAURABH SHUKLA9 (I.T.S)( 2004-2006) COMPARATIVE STUDY OF EDUCATION LOAN WITH REFERENCETO STATE BANK OF INDIA (SBI), PUNJAB NATIONAL BANK (PNB)AND HSBC The Scheme aims at providing financial assistance to meritorious students for pursuing education in India and abroad. Maximum loan for students in India Rs 7.50 lacs to 10.00 lacs or aboard Rs. 15-20 lacs by public banks .In private banks, they provide minimum Rs. 50,000 to a maximum of Rs. 25,00,000 lacs . All banks have same repayment facility i.e. one year after completion of course or 6months after securing a job, whichever is earlier. Research type is exploratory research. 10. Mr MAHENDRA. L.LENDE 10 (SANTAJI MAHAVIDYALAYA, WARDHA ROAD, NAGPUR)( 2009-10) STUDY OF CAR LOAN SCHEME OF STATE BANK to focus\Launch Innovative product, Customized advance products, Better customer services, fastest customers problem solving techniques, Customer retention. Suggestions. SBI should more concern about physical verification rather than phone verification so it will avoid fraud or cheating. Special scheme should be implemented to encourage both customer and agents. The bank should increase the period for repayment of loan. SBI should more focus on Retaining existing customers. The bank could sanction a maximum limit of Rs .15 lakhs. Persons eligible income not less than 10000.Repayment of loan period is 18 months.

9.books . Indian Financial System and Commercial Banking , by IIBFmumbai (page no.259 management of Indian Financial - R.L.Gupta Websites:www.pnbindia.com www.statebankofindia.com www.hsbc.com 10Solomon, Michael R. (2002), Consumer Behavior: Buying, Having, and Being. 5th Ed .New Jersey: Prentice Hall Wilson A. (2003), Marketing Research: An Integrated Approach Naresh Ku. Malhotra, Marketing Research: An Applied Orientation, Fifth Edition Internet: www.google.co.in www.sbi.com www.sbi.co.in

11. Ayushi Jain 11 (ITM University, Gwalior) Gold Loan of ICICI Bank to study on working of the loan department, operational department, field investigation department, credit department, then customer satisfaction.. Any individual or firm in can get a loan. Former with age from 18 to 70 years, with gold ornaments of at least 18 carat purity. 12 12 (Punjab Technical University Jalandhar) (2007-2009) CUSTOMER SATISFACTION TOWARDS J&K BANK WITH REFERECE TOCAR LOANS impact on personal selling on sales of our loan product, problems then remedies. J&K bank enjoys a large market share and customer loyalty, but still it is not able to tap the potential customers because of the certain loopholes in the scheme.so customer are shifting the SBI. The rate of interest, margin money of J&K bank is quite high in comparison with competitors. Formalities required are less and the net annual income for availing loan is only Rs. 75000. The J&K bank should also start financing second hand cars, to concentrate the study age of 20-50. sampling method is random& judgemental. tools are used for tabulation of data, graphs are used for pictorial representation.

11, Link:http://10.16.168.211/businessgroups/legal/HTMLs/dms_gold.htm Websites; www.icicibank.com www.wikipedia.com www.indiatimes.com www.msnsearch.com www.businessline.com 12 Marketing Management by Philip Kotler. Saxena.3.Marketing Research by G.C Beri. 5. Yearly Journals of J&K Bank Ltd. 7.Websites of J&K Bank www.jkbank.net www.jkbank.org
3

2. Marketing Management by Rajan 4. Annual Reports of J&K Bank Ltd. 6. Magazines such as Business India Trust etc.