A PROJECT REPORT ON

A STUDY OF PERCEPTION OF CONSUMER WITH SPECIAL

REFFERENCE TO CAR LOAN

SUBMITTED
TO THE UNIVERSITY OF MUMBAI
AS A PARTIAL REQUIREMENT FOR COMPLETING THE
DEGREE OF
B.COM (BANKING AND INSURANCE) SEMESTER V

SUBMITTED BY:
KHAN FATIMABEE HATIM
ROLL NO.: 25

UNDER THE GUIDANCE OF

MRS. SUGANDHI GUPTA

SIES COLLEGE OF COMMERCE AND ECONOMICS,

PLOT NO. 71/72, SION MATUNGA ESTATE
T.V. CHIDAMBARAM MARG,
SION (EAST), MUMBAI 400022.

CERTIFICATE
This is to certify that ___________________________________
__________________________________________________________
Of B.Com (Banking and Insurance) Semester V (academic year
2015-2016) has successfully completed the project on
______________________________________________________under the
Guidance of Mrs. __________________________________________.

_________________
(Project Guide)

___________________
(External Examiner)
Place: _____________
Date: ___________

__________________
(Course Co-ordinator)

___________________
(Principal)

DECLARATION

I, __________________________________________________
Student of B.Com (Banking and Insurance) Semester V academic
Year 2015-16 hereby declare that, I have completed the project on
________________________________________________________
______.
The information presented in this project is true and original
to the best of my knowledge.

___________________
KHAN FATIMABEE
HATIM
Roll No.: 25
Place: _____________
Date:_____________

ACKNOWLEDGEMENT

I would like to thank the University of Mumbai, for introducing Banking

and Insurance course, thereby giving its students a platform to abreast with
changing business scenario, with the help of theory as a base and practical as a
solution.
I am indebted to the reviewer of the project Ms. Sugandhi Gupta my
project guide who is also our course co-ordinator for her support and guidance. I
would sincerely like to thank her for all her efforts.
I would also like to thank our Principal Dr. Kinnary Thakkar for her
constant support to the students.
Last but not the least; I would like to thank my parents for giving the best
education and for their support and contribution without which this project
would not have been possible.

______________________

KHAN FATIMABEE HATIM

ROLL NO.25

INDEX
SR.NO.

TOPIC

PAGE
NO.

1.

CHAPTER 1. INTRODUCTION

Meaning of consumer
Meaning of finance
Definition of consumer finance
Needs of consumer finance
Objectives of consumer finance
Scope of consumer finance
Consumer finance in India
Growth of consumer finance in India
Source of consumer finance
Demand of consumer finance
Advantages of consumer finance
Disadvantage of consumer finance
Types of loan
Major area of consumer finance
Guidelines for taking a consumer finance
Consumer finance as a services
Characteristic of consumer finance service
Classification of consumer finance service
What is car loan
Features and benefits of car loan
Procedure of car loan
Why customer need a car loan
Types of car loan
Advantages of new car
Disadvantages of new car
What is used car

2
2
2
2
4
5
6
6
7
7
10
11
12
13
15
16
20
20
21
22
22
22
25
28
29
30
30

Advantages of used car

Disadvantages of used car
What is the best way to finance a buying car
Sources of financing

2.

CHAPTER 2. RESEARCH MET HADOLOGY

Objectives of the study

Limitations of the study
Statement of the problem

3.

CHAPTER 3. INTERVIEW AND FINDINGS

Questionnaire analysis
Findings

4.

CHAPTER 4. RECOMMENDATIONS AND CONCLUSION

Recommendations
Conclusion
Bibliography
Annexure

31
31
36

42

42
42
42

43

43
48

49

49
50
51
52