BANGALORE UNIVERSITY

“ A STUDY ON LOANS AND ADVANCES IN HOUSING DEVELOPMENT FINANCE

CORPORATION BANK LIMITED

Submitted to partial fulfillment for the award of the Degree of

Bangalore University

Submitted by

PUSHPA.S

[Reg.No. 11AUC18052]

UNDER THE GUIDENCE OF

Prof. NAGARAJ (M.COM)

(DEPT OF COMMERCE AND MANAGEMENT)

GOVERNMENT FIRST GRADE COLLEGE

VIJAY NAGAR HAMPINAGAR WARD,

BANGALORE-5600104

2013-2014
 GOVERNMENT FIRST GRADE COLLEGE

HAMPINAGAR WARD, VIJAYNAGAR

BANGALORE-5600104

PRINCIPLE CERTIFICATE

This is to certify that Ms. PUSHPA.S has successfully completed the project
titled “A STUDY ON LOANS AND ADVANCES IN HOUSING DEVELOPMENT
FINANCE CORPORATION BANK LIMITED. for the partial fulfillment of the
requirement of Bangalore University for the award of the degree in bachelor of
business management.

PLACE: BANGALORE Prof.M. MUTHURAJU

DATE: PRINCIPAL.
 GOVERNMENT FIRST GRADE COLLEGE

HAMPINAGAR WARD, VIJAYNAGAR

BANGALORE-5600104

GUIDE CERTIFICATE
DEPARTMENT OF MANGEMENT STUDIES

This is certifying that dissertation is based on a original project study

conducted by PUSHPA.S (11AUC18052) . She has attended the required
guidance class held.

This project report has not formed a basis for the award of any other
Degree/Diploma Of any university of institution.

Place: BANGALORE Prof. NAGRAJ

DATE: (Dept. of commerce and management)

 GOVERNMENT FIRST GRADE COLLEGE

HAMPINAGAR WARD, VIJAYNAGAR

BANGALORE-5600104

H.O.D. CERTIFICATE

DEPARTMENT OF MANAGEMENT STUDIES

This is to certify that the project report entitled “ A STUDY ON LOANS AND
ADVANCES” is an Authentic report of project work prepared PUSHPA.S

[Reg.No.11AUC18052] prepared in partial fulfillment for the award of degree in

BACHELOR OF BUSINESS MANAGEMENT from Bangalore University for the
academic year 2013-2014.

Place: Bangalore Dr. VENKATARAMANA REDDY

Date: (H.O.D of Dept. of Commerce & Management)

 STUDENT DECLARATION

I hereby declare that this project titled “A STUDY ON LOANS AND

ADVANCES” WITH regards of HOUSING DEVELOPMENT FINANCE CORPORATION
BANK LIMITED. Has been done under the Guidance and supervision of Prof.
NAGARAJ Government first grade college. Hampinagar ward, Vijayanagar,
Bangalore during the year 2013-2014.

This project is submitted as a partial fulfillment for the award of Bachelor

Degree in Business Management, Bangalore University. This project report is
not been submitted to any other universities or institutions for the award of any
Degree of Diploma.

PLACE: BANGALORE PUSHPA.S

DATE: Reg No. [11AUC18052]

 ACKNOWLEDGEMENT

I express my indebtedness to the great institution, which has shaped my

personality with the Valuable Management Education. In the process of preparing this
Report, many people extended Support, Guidance and encouragement to which I am
profoundly grateful.

I am very grateful to our beloved principal, Nagaraju and the faculty members of
Department of Management studies.

I am also grateful to H.O.D. and staff for their extended co-operation, Support and
suggestions.

I am especially indebted to my project guide Prof. NAGARAJ for her guidelines,

Support and suggestions.

I also express my profoundness to all the respondents who made this project possible.

I would convey my respect and thanks to my parents and my brother and friends who
Have with me throughout and helped me in the completion of the project.

PLACE: BANGALORE

DATE: (Signature)
 CONTENTS

CHAPTER TITLE PAGE NO.

CHAPTER 1 INTRODUCTION 1-10

CHAPTER 2 RESEARCH 11-15

DESIGN

CHAPTER 3 PROFILE OF HDFC 16-35

CHAPTER 4 DATA ANALYSIS

AND
INTERPRETATION 36-76

CHAPTER 5 FINDINGS AND 77-80

SUGGESTIONS

CHAPTER 6 CONCLUSION 81

CHAPTER 7 ANNEXURE 82-83

CHAPTER 8 BIBLIOGRAPHY 84
 TABLES

SL NO CONTENTS PAGE NO

1 Table showing the percentage increase or decrease in total deposits 37

2 Table showing the percentage increase or decrease in vehicle loan 39

3 Table showing the percentage increase or decrease in vehicle loans 41

out of total loans and advances

4 Table showing the percentage increase or decrease in consumer 43

durable loans

5 Table showing the percentage increase or decrease in loans to 45

consumer durable out of total loans and advances

6 Table showing the percentage increase or decrease of schematic 47

loans and advances

7 Table showing the percentage increase or decrease in loans to 49

schematic loans out of total loans and advances schematic loans

8 Table showing the percentage increase or decrease in housing loan 51

out of total loans and advances

9 Table showing the percentage increase or decrease in against 53

pledge NCS/IVP out of total loans and advances
10 Table showing increase or decrease of advances against deposits 55

11 Table showing the percentage increase or decrease against deposits 57

out of d total loans and advances

12 Table showing the occupation profile 59

13 Table showing the family income 61

14 Table showing the reasons for choosing the housing development 63

finance corporation

15 Table showing the member taking loans from the housing 65

development finance corporation bank

16 Table showing the members taking various loans from the housing 67
development finance corporation bank

17 Table showing the loans amount sanctioned 69

18 Table showing the most of members accepted rules and regulation 71

of the HDFC bank

19 Table showing the satisfaction of the customer regards to the re- 73

payment period given by the bank

20 Table showing the profile of the respondents based on age. 75

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