A Research Project Report Titled Customer Satisfaction on Public And Private Bank Loan Submitted in partial fulfillment for

the Award of degree of Master of Business Administration

2010-2012 Global Institute of Technology Sitapura, Jaipur (Raj)-302022

Submitted To: Mrs.Mamta Soni (Ast.professor)

Submitted By: Mahendra Singh Rathore (MBA IV SEM)

DECLARATION

Hereby I declare that the project report titledCustomer Satisfaction On Public And Private Bank Loansubmitted for the awarded degree of MASTER OF BUSINESS AMINISTRATION, is my original work and the project report has not formed the basis for the award of any diploma, degree, associate ship, fellowship or similar other titles. It has not been submitted to any other university or institution for the award of any degree or diploma.

Date: Place:

Mahendra Singh Rathore MBA Sem IV (Finance)

GLOBLE INSTITUTE OF TECHNOLOGY, JAIPUR

CERTIFICATE OF PROJECT STUDY Certified that Mr. MAHENDRA SINGH RATHORE,student of Master of Business Administration, IV semester has submitted his report Customer Satisfaction On Public And Private Bank Loan. after successfully completing the Project towards fulfillment of the syllabus requirement prescribed by Rajasthan technical University, Kota for MBA IV semester paper.

Mrs.Mamta Soni ( Ast. Professor)

PREFACE

This research report has been prepared to satisfy the requirements of the final semester of the 2-year MBA program at GIT, Jaipur under Rajasthan Technical University course of study. The main area of the research topic isthe project was a study of Customer Satisfaction on Public and PrivateBank Loan, Jaipur City.This report has been prepared after the collection of information from the Customer where they have highly appreciated the bank but a bit dissatisfaction with the interest charges which are high. Hence it is a systematic representation of the survey. An institute can develop the promotion based on concentrate attributes and extracurricular programs offered at there, or may choose to high light experienced staff and teachers as a benefit to prospective students. I thank everyone who participated and were involved during the research and report writing of this project.

ACKNOWLEDGEMENT
Every task that is undertaken should be started by offering prayers to the Almighty and taking blessings from the elders. In addition, following the completion of the task, it should end by acknowledging those who extended their time, efforts, and assistance towards the completion of this research report. I would like to take this opportunity to express my sincere thanks to my Institute teachers, Mrs.Mamta Soni for giving me an opportunity to write this research project and report my findings. Without their guidance and direction, it would not be possible to complete this report. I would also like to thank other faculty members of the GIT community for providing me guidance to carry out my research project effectively and efficiently. I extend my thanks to all teaching and non-teaching staff that were always ready to help me to reach my task. I would also like to thank Mr. VidhuMathur (HOD), for their help and cooperation throughout our project I am indebted to my parents, friends and relatives for their physical, psychological and moral support extended by them at all time.

MAHENDRA SINGH RATHORE (GIT)

INDEX
Declaration Certificate Preface Acknowledgement

List Of Content
(1) Banking in India Home loan Car loan Education Loan (2)Introduction of Public bank State Bank of India State Bank Of Mysore Punjab National Bank Allahabad Bank Bank Of Baroda Bank Of Maharashtra IDBI bank

(3 ) Introduction Of Private Bank HDFC Bank Kotak Mahindra Bank ICICI Bank

(4)Objective Of The Study (5)Scope Of Study (6)Research Methodology Type Of data (7)Data Analysis (8)Findings (9)Conclusion (10)Appendices(Questioner) (11)Bibliography

BANKING IN INDIA

Central bank -

Reserve Bank of India

Nationalized BanksAllahabad Bank ,Andhra Bank, Bank of Baroda ,Bank of India, Bank of Maharashtra, Canara Bank, Central Bank of India, Corporation Bank, Dena Bank, IDBI Bank, Indian Bank, Indian Overseas Bank, Oriental Bank of Commerce, Punjab & Sind Bank, Punjab National Bank, Syndicate Bank, UCO Bank, Union Bank of India, United Bank of India, Vijaya Bank, State Bank of India, State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State Bank of Indore, State Bank of Mysore, State Bank of Patiala, State Bank of Travancore, State Bank of Saurashtra.

Private BanksAxis Bank Catholic Syrian Bank Dhanalakshmi Bank South Indian Bank City Union Bank Federal Bank HDFC Bank ICICI Bank IndusInd Bank ING Vysya Bank Jammu & Kashmir Bank Karnataka Bank Limited KarurVysya Bank Kotak Mahindra Bank Lakshmi Vilas Bank Nainital Bank Ratnakar Bank Saraswat Bank Tamilnad Mercantile Bank Limited Yes Bank Development Credit Bank.

Foreign BanksABN AMRO Abu Dhabi Commercial Bank Antwerp Diamond Bank Arab Bangladesh Bank Bank International Indonesia Bank of America Bank of Bahrain and Kuwait Bank of Ceylon Bank of Nova Scotia The Bank of Tokyo-Mitsubishi UFJ Barclays Bank Citibank India Credit Suisse HSBC Standard Chartered Deutsche Bank Royal Bank of Scotland.

Regional Rural BanksNorth Malabar Gramin Bank South Malabar Gramin Bank PragathiGramin Bank ShreyasGramin Bank.

Financial ServicesReal Time Gross Settlement (RTGS) National Electronic Fund Transfer (NEFT) Structured Financial Messaging System (SFMS) CashTreeCashnet Automated Teller Machine (ATM) De-Materialisation (DEMAT) Foreign Exchange (FOREX).

INTRODUCTION OF BANK LOAN

Loan is called the convention that one of the parties (lender) transfers to another (debtor) the ownership of things (cash or securities normally) and the debtor has the obligation to repay the things of the same quality and quantity of paying or not interest on the loan. The loan taken by the debtor to cover needs that cannot meet with current revenue. Moreover, the loan is a form of capital by companies for the expansion of their business.

As loans are becoming growingly more accessible via the Internet and expert loan companies are more willing to consider providing loans for people with a bad credit history, now is a good time to borrow money for home improvement or that new car. But, with the wide selection of loans available, how do you go about choosing the right type of loan for your needs?

Types Of Loan Options Short term loans, if made for a period of less than one year, medium term loans for no longer than five years, a long term loans for more than five years and with no refund deadline, but redeems the first request. Private and public loans when the debtor is the state or public agencies or private individuals and companies.

 Consumer loans if carried out to meet current consumer demands and effectively as regards to financing business. Internal loans, when events in the internal and external financial market if carried out with other countries or international

organizations in foreign currency.

There are also with interest, interest-free and fixed interest loans. A really good kind of loans is the debenture. The company that enters into a debenture loan divide the amount of money to be borrowed in equal parts or unevenly and issue securities and bonds are asked whose nominal value is equal to the value of those units. Then the company will deliver bonds to seeking (lenders), following payment of a sum of money from them, that corresponds to the value of bonds.

Why Is Collateral Required For Secured Loans?

The definition of a secured loan is that the quantity lent is done so with the promise that should the borrower default on payments the lender gains legal control over the collateral on which the loan is secured with the purpose of recovering the funds lost. For example, if you want to borrow $100,000 then the loans company would need something belonging to the owner that has a minimum resale value of $100,000 to be used as collateral. For most individuals this would be their home or the equity in their home if they are getting a second mortgage loan or if the loans are additional to a first mortgage.

Therefore, the only real limit to how much you can borrow on a secured loan all depends on the amount of collateral you could put forward to the lender. In the event that you default on repayments on a secured loan the lender will assume legal title to your collateral and put it up for sale. Lenders certainly will only want to reclaim the money owed to them, Sdespite the right market value of the collateral. It is because of this that high value items like homes and motor vehicles can be found at discounted prices in liquidation auctions.

HOME LOAN

In the recent years, the demand of home loans has increased dramatically. Part of the reason for this increase is because the

accessibility of loans has gotten bigger. Today, home loans are available in the market at very low and good rates that meet the demands of many home buyers.

A home represents the largest asset that typically people have and this is why home loans have such a huge impact in the loan market today. When a person purchases a home, he or she will be investing a huge amount of cash. Many people cant come up with the whole money to pay out the house, while some others cant even afford to invest money for the house they will like to purchase. In part, this is how home loans have turned out to be a benefit for people, who want to buy the home of their choice, but cannot afford it at the time. Nowadays home buyers dont have to worry much about the source of money for their homes. Home loans have made the life of many house buyers much easier .But house buyers should be very careful when choosing a home loan. Before doing anything else, borrowers should make a thorough research of the current interest rates in the market, and then opt or go for any home loan. Buyers could even go for home loans, by undertaking mortgages. This way ,the borrowers can get a loan after pledging or securing any asset or securities of their own, against amount of money borrowed by them.

When getting a home loan, the individuals should consider taking care of different aspects related to the home loan. An individual should be very careful when deciding the principal amount of the home loan being borrowed. Or else, the person may end up with a very high principle amount and then he or she will have to pay more interest for the money being borrowed unreasonably.

Something else a buyer should consider is the interest factor associated with every home loan. Interest is surely an unnecessary burden that comes attached with the home loan. Interest is that additional amount that the borrowers have to pay, for borrowing the loan from the lender. The main idea is for a borrower to accept the loan with the lowest interest rates possible. In order for this to happen, the person should do a complete research of the current interest rates in the market so that he wont end up getting cheated by the home loan lenders. Also, borrowers should take the aspect of the term in consideration, or they might end up paying or repaying the loan for 30 to 35 years, for the reason that the loan conditions had stated that the principal amount will have to be repaid on fixed amount over a 30 year installment basis.

Home loans could be a great advantage for people, but only if the right choice is carefully.

CAR LOAN

A car loan is a loan taken to buy an automobile. You can use a car loan for any vehicle of your choice. Buying a new car is one of the biggest purchases many people are likely to make throughout their life. Besides their home and maybe their education, there isn't actually much personal expenditure that could compare in size to the purchase of a new car. Therefore it is no surprise that most people are not able to afford paying for a car outright. This is the case even when they have a real nice income. It is a simple fact of life that in order to buy a new car, most people will have to use a car loan to do so.

If you're thinking about taking out a car loan to finance the purchase of a new car, then you may want to make sure you're entirely aware of all the car financing options that are available to so that you can get the best deal available. It is very possible that the car dealer that is selling you the auto will have some sort of financing alternatives available for you. This may be in the shape of a loan to purchase a car or leasing options that are also available.

You should make sure you fully understand the crucial difference between a loan and a leasing arrangement. With a loan, you are borrowing the money so you can purchase the car. With a lease, you only paying for the use of the car, and at the end of the leasing period, you simply will return the car and that is the end of the arrangement.

There are certain leases that will offer you a choice to buy the car at the end of the leasing term. If you borrow the whole amount to buy the car, it is likely that your monthly repayment amounts on the auto loan will be higher than those for a lease, this is since you're paying for the full price of the car and at the end of this period, after you have made all the repayments on the term of the loan, you will become the owner of the car.

There are many factors that you may want to see when making a decision about which car loan to opt for. Firstly, you should understand that you do not have to accept the financing choices that the dealer offers you. You could also shop around with other lenders, such as banks, and ensure you get the best deal on offer

STUDENT OR EDUCATION LOAN

If youre planning on attending a University, then you should learn how the student loan process works. Unless they can afford to make full payments, many students take out a student loan during their study to help them pay for their school fees and living expenses. If youre confused or not sure how student loans work, then this guide will help you understand the process.

How Are The Loans Paid Back?

Student loans are usually paid in three installments every year, once each term. The initial payment is typically made by a check, and after that payments will go directly into your bank account.

How Much Loan Money Can I Receive?

The amount of money you can receive depends on different factors, such as where in the country you are going to attend University and the financial status of you and your family. You could opt to take a fixed amount per year, you could be income assessed and the highest amount you can obtain will be determined. Usually, you can get as little or as much of this amount as you want. The average amount a student can get per year ranges anywhere from $1,500 to $5,000, depending on your financial status.

How Do I Pay Back The Loan?

You will start paying back your student loan after you have finished University. However, you are not required to repay money right at this time. You only need to start making payments after you are earning above $15,000 per year, calculated on a monthly basis. The amount you use for paying back your student loan will be taken out from your wages at a sliding rate. You are more than welcome to pay more than this amount if you want, by sending money to the proper authority.

What Is The Interest When Paying Off Student Loans?

Student loans interest is subsidized by the Government so that you are only paying back the exact amount that you borrowed, adjusted for inflation. No matter how long it takes you to pay back the loan, you will only pay back the same amount in real terms that you borrowed.

What Are The Advantages Of Taking Out A Student Loan?

One of the biggest advantages of taking out a loan is that you will be able to have money to pay for your living costs, while you can concentrate on your studies, rather than having to work to earn money. This way you can study more, get better grades and take more free time for yourself. Also, getting an interest free loan is much better than falling into debt due to high interest credit cards. These debts are way more serious and if theyre not paid back soon, they will increase.

Are There Any Disadvantages With Student Loans?

The most obvious disadvantage of getting student loans is that you will get a large amount of debt when you come out of University. This might be a problem at first, but remember that you will not be paying interest and so your debt will not rise. Also, you should be able to get a higher paying job after you graduate, since you now have a degree. This will help you pay off your loan quicker. To make it easier for you, think of a student loan as an investment that will help you achieve your career goals for your future.

INTRODUCTION OF PUBLIC BANKS

STATE BANK OF INDIA

The State Bank of India, popularly known as SBI, is one of the leading banks in India. The bank traces its origin to the first decade of the 19th century. Later on, it was merged with the Imperial Bank. In the year 1955, the Government of India nationalized the Imperial Bank along with the Reserve Bank of India. Ever since that time, the bank acquired its present namethatissbi The State Bank of India is India's largest commercial bank. The bank has been striving sincerely to adhere to the efforts of providing utmost customer satisfaction to the best possible extent. SBI provides a range of banking products through its vast network of branches in India and overseas, including products aimed at non-resident Indians (NRIs). The State Bank Group, with over 16,000 branches, has the largest banking branch network in India. SBI has 14 local head offices situated at Chandigarh, Delhi, Lucknow, Patna, Kolkata, Guwahati (North East Circle), Bhuwaneshwar, Hyderabad, Chennai, Trivandram, Banglore, Mumbai, Bhopal & Ahmedabad and 57 Zonal Offices that are located at important cities throughout the country. It also has around 130 branches overseas. SBI is a regional banking behemoth and is one of the largest financial institutions in the world. It has a market share among Indian commercial banks of about 20% in deposits and loans.[3] The State Bank of India is the 29th most reputed company in the world according to Forbes.[4] Also, SBI is the only bank featured in the coveted "top 10 brands of India" list in an

annual survey conducted by Brand Finance and The Economic Times in 2010.[5] The State Bank of India is the largest of the Big Four banks of India, along with ICICI Bank, Punjab National Bank and HDFC Bankits main competitors.[6]SBI provides a range of banking products through its vast network of branches in India and overseas, including products aimed at non-resident Indians (NRIs). The State Bank Group, with over 16,000 branches, has the largest banking branch network in India. SBI has 14 local head offices situated at Chandigarh, Delhi, Lucknow, Patna, Kolkata, Guwahati (North East Circle), Bhuwaneshwar, Hyderabad, Chennai, Trivandram, Banglore, Mumbai, Bhopal & Ahmedabad and 57 Zonal Offices that are located at important cities throughout the country. It also has around 130 branches overseas. SBI is a regional banking behemoth and is one of the largest financial institutions in the world. It has a market share among Indian commercial banks of about 20% in deposits and loans.[3] The State Bank of India is the 29th most reputed company in the world according to Forbes.[4] Also, SBI is the only bank featured in the coveted "top 10 brands of India" list in an annual survey conducted by Brand Finance and The Economic Times in 2010.[5] The State Bank of India is the largest of the Big Four banks of India, along with ICICI Bank, Punjab National Bank and HDFC Bankits main competitors.[6]

Main Branch of SBI in Mumbai. SBI has five associate banks; all use the same logo of a blue circle and all the associates use the "State Bank of" name, followed by the regional headquarters' name:

Associate banks
State Bank of Bikaner & Jaipur State Bank of Hyderabad State Bank of Mysore State Bank of Patiala State Bank of Travancore

Type Traded as BSE: 500112 LSE: SBID

Public NSE: SBIN

BSE SENSEX Constituent Industry Banking, Financial services

Founded -July 1, 1955 Headquarters - Mumbai, Maharashtra, India

Area served -Worldwide Key people (Chairman) Products Credit cards, Consumer banking, corporate banking, PratipChaudhuri

finance and insurance, investment banking, mortgage loans, private banking, wealth management Revenue - US$32.44 billion (2011)[1]

Profit - US$2.34 billion (2011)[1] Total assets Total equity Owner(s) US$369.56 billion (2011)[1] US$18.71 billion (2011)[1]

- Government of India 222,933 (2011)[1]

Employees -

Website - www.statebankofindia.com

Products & Services

Personal Banking NRI Services Agriculture International Corporate SME Domestic Treasury

State Bank of Mysore

Key people - Managing Director Mr. DilipMavinkurve Products of Mysore Type Public company (BSE, - Loans, Credit Cards, Savings, Investment vehiclesState Bank

Bangalore Stock Exchange & Chennai Stock Exchange) Industry - Banking, Insurance, Capital Markets and allied industries Founded - Mysore, 1913 (as Mysore Bank) Headquarters Bangalore Products - Loans, Credit Cards, Savings, Investment vehicles Head Office,

State Bank of Mysore (SBM) is an associate bank of State Bank of India, offering a range of financial products and services to its customers across the nation. Founded in 1913 under the patronage of Government of Mysore as Bank of Mysore Ltd, State Bank of Mysore became an associate of SBI in March 1960 with SBI holding 92.33% of shares. The State Bank of Mysore has its shares listed in various stock exchanges like Mumbai, Chennai and Bangalore.

In 1913, at the instance of Sir M. Visvesvaraya, the Engineer Statesman, a state aided Bank, under the patronage of His Highness the Maharaja of Mysore, Sri KrishnarajaWodeyar IV, was established.This was "MYSORE

BANK LTD". During 1953, "Mysore Bank" was appointed as an agent of Reserve Bank of India to undertake Government business and treasury operations, and in March 1960, it became a subsidiary of the State Bank of India under the State Bank of India (subsidiary Banks) Act 1959. Now our bank is an Associate Bank under State Bank Group. The Bank has grown progressively, right from its inception and has declared uninterrupted profits from the beginning. "MYSORE BANK", as it is popularly known, is constantly committed to serve it's customers. Our dedicated service to clientele has brought recognition / laurels to "MYSORE BANK" . In this competative world of Banking and Technogy we reiterate and

resolve to rededicate ourselves for the service of the Nation through improved service to our customers.

Branch Network
The Bank has a widespread network of 707 branches(as on 31.03.2011) and 22 extension counters spread all over India which includes 5 Small and Medium Enterprises Branches, 4 Industrial Finance branches, 3 Corporate Accounts Branches, 6 Specialised Personal Banking Branches, 10 Agricultural Development Branches, 3 Government Business branches, 1 Asset Recovery Branch and 8 Service Branches, offering wide range of services to the customers.

Financial Profile
The paid up capital of the Bank is Rs. 468 Millions as on 31.03.2011 out of which State Bank of India holds 92.33%. The networth of the Bank as on 31.03.2011 is Rs.3099.47 Crores and the Bank has achieved a capital

adequacy ratio of 13.76% as at the end of 31.03.2011. The Bank has an enviable track record of earning profits continuously and uninterrupted payment of dividend since its inception in 1913. The Bank earned a net profit of Rs.500.62 Crores for the year ended March 2011 and earning per share is at Rs.121.66

Business Profile
Total deposits of the Bank as at the end of March 2011 is Rs.43225 Crores and the total advances stood at Rs. 34442 Crores which include export credit of Rs. 1260 Crores.The Bank is a major player in foreign exchange dealings also and has achieved a merchant turnover of over Rs 34342.96 Crores and a trading turnover of over Rs 37658.49 Crores for the year ended March 2011.

PUNJAB NATIONAL BANK

The Punjab National Bank or PNB is one of the well known commercial and banking institutions in India. It is the second largest government owned and regulated commercial bank in the country and offers specialized solutions and financial services in a number of sectors. Around 37 million customers are served by the bank on an average basis. The customized facilities and services make it a trusted name in the domain of banking. Punjab National Bank (PNB) (BSE: 532461, NSE: PNB) is an Indian financial services company based in New Delhi, India. PNB is the third largest bank in India by assets. It was founded in 1894 and is currently the second largest state-owned commercial bank in India ahead of Bank of Baroda with about 5000 branches across 764 cities. It serves over 37 million customers. The bank has been ranked 248th biggest bank in the world by the Bankers Almanac, London. The bank's total assets for financial year 2007 were about US$60 billion. PNB has a banking subsidiary in the UK, as well as branches in Hong Kong, Dubai and Kabul, and representative offices in Almaty, Dubai, Oslo, and Shanghai

Punjab National Bank

Type -

Public (BSE: 532461, NSE: PNB)

Industry - Banking, Financial services Founded - 1895 Headquarters New Delhi, India

Key people -K R Kamath (Chairman & MD) Products- Credit cards, consumer banking, corporate banking, finance and insurance, investment banking, mortgage loans, private banking, private equity, wealth management Revenue 31,206 crore (US$6.23 billion) (2011)[1]

Net income - 4,574crore (US$912.51 million) (2011)[1] Total assets 373,786 crore (US$74.57 billion) (2011)[1]

Employees - 56,928 (2010)[1] Website - www.pnbindia.in

Growth of Punjab National Bank

Punjab National Bank was registered under the Indian Companies Act on 19 May in the year 1894 and its first office was set up at Anarkali Bazaar in Lahore. Since then, the bank has become a great name in the field of banking and is very much preferred by the customers for the wide range of its services. Today, the bank has around 4,904 branches in around 764 cities.

Due to its facilities and services of high standards, Punjab National Bank has also been the recipient of a number of prestigious awards. It has been adjusted as the 248th biggest bank across the globe according to a recent survey made by Bankers Almanac in London. The Economic Times has also listed the bank as 38th among the premier 500 companies and the 9th among the most trusted brands in India. The total asset value of the bank amounts to around US$60 billion. There is also a subsidiary of the PNB in the United Kingdom. In addition the bank also has branches in some other cities like: Kabul Honk Kong Oslo Shanghai Dubai

Allahabad Bank
Allahabad Bank is one of the leading banks in India. Established on April 24, 1865 in Allahabad by a group of European, Allahabad Bank is also the oldest Joint Stock Bank of India. In the year 1969, the Government of India nationalized 13 commercial banks. Allahabad Bank was one of those. Currently it offers a whole range of financial services to thousands of customers across the nation through its 2260 branches, besides its Internet banking services. Allahabad Bank has its headquarter located in Kolkata. After its establishment in 1865, Allahabad Bank became a part of P & O Banking Corporation in 1920 with a bid price of ` 436 per share. In 1923, considering the business opportunities, the headquarter of the bank was shifted to Kolkata. On July 19, 1969, when the Government of India nationalized Allahabad Bank along with 13 other banks, it had 151 branches across the nation with deposits of ` 119 crore and advances of ` 82 crore. In 1989, United Industrial Bank Ltd. merged with nationalized Indian bank. Allahabad Bank also instituted a wholly owned subsidiary for Merchant Banking, called "All Bank Finance Ltd.". Allahabad Bank released its first Initial Public Offer (IPO) of 10 crore (face value ` 10 per share) in October, 2002. It reduced the Government shareholding to 71.16%. It again released Follow on Public Offer (FPO) in April, 2005 of 10 crore equity shares (face value ` 10 each with a premium of ` 72). It again reduced the Government shareholding to 55.23%.

It was June, 2006 when the Allahabad Bank went international to open up its first Representative Office at Shenzen in China. In October, 2006, Allahabad Bank went high-tech for roll out its first branch under Core Banking Service (CBS). It opened up its first overseas branch at Hong Kong in February 2007. In March 2007, the business of Allahabad Bank crossed ` 1,00,000crore mark. Allahabad Bank, NSE: ALBK, BSE: 532480 which began operations in 1865, has its head-quarters in Kolkata is the oldest joint stock bank in India. The bank was founded in the historical city Allahabad in 1865 and now the bank has crossed 2500 branches on 31th march 2012.[1]The Chairman and Managing Director of the bank is Shri J. P. Dua. The bank has a branch in Hong Kong and a representative office in Shenzen. Get the best deals on Allahabad bank loan offers Allahabad bank home loans Allahabad bank personal loans Allahabad bank car loans Allahabad bank credit card Some useful personal finance calculators EMI calculator Loan repayment calculator

Related articles
ICICI Bank SBI Bank HDFC Bank Other top banks in India Type - Public Traded- as BSE: 532480, NSE: ALBK Industry Banking 1. Financial services 2. Investment services Founded-1865 Headquarters-Allahabad Bank, Head Office, 2, N. S. ROAD, Kolkata- 700 001. India Key peopleJ. P. Dua

(Chairman & MD) Products Finance and insurance Consumer banking Corporate banking Website-http://www.allahabadbank.com

LOANS Housing Loan Education Loan Car Loan Personal Loan for Pensioners Personal Loan for Doctors Loan Against NSC/KVP AllBank Rent Loan AllBank Property Scheme AllBank Furnishing Loan Gold Loan Scheme

Bank of Baroda

The Bank of Baroda was established in the year 1908 in Baroda. Ever since its inception, the bank has been growing and expanding its branches successfully. At the turn of a century, the bank has its presence in 25 countries across the world. Bank of Baroda has progressively taken a step towards commitment and values by providing uncompromising standards of service to its customers, stakeholders, employees and the like. Bank of Baroda (BoB) (BSE: 532134) is the third largest PSU bank in India, after the State Bank of India and the Punjab National Bank and ahead of Bank of India.BoB is ranked 763 in Forbes Global 2000 list. BoB has total assets in excess of Rs. 3.58 lakh crores, or Rs. 3,583 billion, a network of 3,991 branches and offices, and about 1,657 ATMs. It plans to open 400 new branches in the coming year. It offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and through its specialized subsidiaries and affiliates in the areas of investment banking, credit cards and asset management. Its total business was Rs. 5,452 billion as of June 30. As of August 2010, the bank has 78 branches abroad and by the end of FY11 this number should climb to 90. In 2010, BOB opened a branch in Auckland, New Zealand, and its tenth branch in the United Kingdom. The bank also plans to open five branches in Africa. Besides branches, BoB plans to open three outlets in the Persian Gulf region that will consist of ATMs with a couple of people.

The Maharajah of Baroda, Sir SayajiraoGaekwad III, founded the bank on 20 July 1908 in the princely state of Baroda, in Gujarat. The bank, along with 13 other major commercial banks of India, was nationalised on 19 July 1969, by the government of India. Heritage & Ethics of Bank of Baroda: The Bank of Baroda was started on 20th July 1908 under the Companies Act of 1887. The initial capital invested was ` 10 Lakhs. The Maharaja was none other than SayajiraoGaekwad who, with his visionary insight, planned the beginning of a reputed journey which over the years, came to be known as the Bank of Baroda. It is interesting to note that during the period of 1913 to 1917; almost 87 banks in India succumbed to a financial crisis. However, the Bank of Baroda survived the economic depression by dint of its financial integrity, business prudence and concern uncompromising concern about its customers and clients. This has transcended down to the present ages and has become the motto of the bank InvestorRelations: By December 1996, Bank of Baroda penetrated the equity market by successfully implementing the Follow on Public Offer of around 71 million equity shares in January 2006. In the present scenario, Bank of Baroda's public shareholding is as high as 46.19 percent with a total equity capital of 365.53 crore. This is held by Retail Investors, Banks and Financial Institutions, Employees, FIIs and OCBs, Mutual Funds, Insurance Companies and Others.

Bank of Baroda Type-Public Traded as- BSE: 532134 Industry Banking, Financial services Founded-1908 Headquarters-Vadodara, India Ahmedabad, india Area served- Worldwide Key people :M. D. Mallya (Chairman & MD) ProductsCredit cards, consumer banking, corporate banking, finance and insurance, investment banking, mortgage loans, private banking, private equity, wealth management Revenue - 25,800 crore (US$5.15 billion) (2011) Net income - 4,433 crore (US$884.38 million) (2011) Total assets -355,826 crore (US$70.99 billion) (2011) Website - www.bankofbaroda.com

Bank of Maharashtra
Bank of Maharashtra, one of the leading banks in India, has its headquarter located in Pune. Registered on September 16, 1935 by Prof. V. G. Kale and late Mr. D. K. Sathe, Bank of Maharashtra started its operation on February 8, 1936 with a mere authorized capital of ` 10 lakhs and issued capital of ` 5 lakhs. The bank was established with a goal to meet the banking needs of the common people. Bank of Maharashtra did reasonably well in quick period of time. The deposits crossed ` 1-crore mark within the year 1945. The bank also got listed on the Bombay Stock Exchange in 1958. Currently, Bank of Maharashtra has got an extensive network of 1444 branches with 345 ATMs, and 902 CBS branches. In 2009, it had a business turnover of ` 90,000 crore.

Bank of Maharashtra
Type - Public BSE & NSE: MAHABANK Industry - Banking Capital Markets and allied industries Founded - 1935 Headquarters - Bank of Maharashtra, LokmangalShivajinagar (Pune- India)

Key people - SHRI NARENDRA SINGH , ( Chairman) Products Loans, Credit Cards, Savings, Investment vehicles etc. Revenue 6,093.94 crore (US$1.22 billion)

Total assets -Rs. 481 bn Website -www.bankofmaharashtra.in

Financial Performance:
Bank of Maharashtra registered a net profit of ` 375.17 crore during the financial year ended on March 31, 2009, comparing to a net profit of 328.39 crore in 2007-08. It also had a return on assets of 0.72% during 2008-09.

The Landmarks
Bank of Maharashtra was nationalized in 1963. It established its first Regional Rural Bank (RRB)

MarathwadaGramin Bank in 1978. The business crossed ` 1,000-crore mark in 1979. 500th branch was set up in 1980. Aurangabad JalnaGramin Bank, the second RRB came up in 1981. Thane Garmin Bank, the third RRB came up in 1986. 1000th branch was inaugurated at Indira Vasahat in 1987. Initial Public Offer (IPO) was released in 2004. Launched ATM-cum-International Debit Card in 2006. The first Core Banking Branch (CBS) also rolled out in the same year.

Loans
Educational Loans Loans for Corporates Loans for Exporters Loans for Professionals Loans for Agriculturists Loans for Individuals Mahabank Platinum Housing Loans: Festive Offer Mahabank Gold Card Scheme for Exporters.

IDBI Bank
The Industrial Development Bank of India Limited, popularly known as IDBI Bank is one of the leading public sector banks in India. Categorized as "other public sector bank" by Reserve Bank of India (RBI), IDBI Bank is also the 4th largest Indian bank. Founded in 1964 to provide credit and other facilities to its customers, IDBI Bank currently has 457 centers, 688 branches and 1020 ATMs across the nation. It is world's 10th largest development bank in terms of reach. IDBI Bank also built several institutions including the National Stock Exchange of India (NSE), the Stock Holding Corporation of India (SHCIL) and the National Securities Depository Services Ltd. (NSDL) etc. IDBI Bank was founded on July 1, 1964 under an Act of Parliament. It was established as a wholly owned subsidiary of RBI (Reserve Bank of India). The ownership was however transferred to the Government of India on February 16, 1976. It worked as the main financial institution, whose main goal was to coordinate with other institutions associated with financing, developing and promoting the industry. With the public issue of IDBI Bank released in July 1995, the share holding of the Government came down below 100%. However, the majority of the share was still owned by the government, which is currently 52.3%. IDBI Bank started offering a wide array of products and services to its customers, which covered entire range of industrial activities including services and manufacturing.

In September 2003, IDBI acquired the entire shareholding of Tata Finance Limited in Tata Home Finance Ltd. Since then, the fully owned housing subsidiary was known as 'IDBI Home Finance Limited'. Next year, on July 29, 2004, the Board of Directors of IDBI and IBDI Bank approved the merger of IDBI Bank with the Industrial Development Bank of India Ltd. IDBI Bank also acquired United Western Bank in 2006.

Products and Services IDBI Bank offers a wide array of products and services to its customers. For different customer groups and needs, there are different types of products and services including Personal Banking, Corporate Banking, SME Finance and Agri Business etc.

IDBI Bank Limited

Type - Public B E: 116)

Industry - Banking, Financial services Founded - July 1964 Headquarters - Mumbai, India Key people - R M Malla (CMD) Products Credit cards, consumer banking, corporate banking, finance and insurance, investment banking, mortgage loans, private banking, private equity, wealth management

Revenue -20,858 crore (US$4.16 billion) (2011)[1] Net income - 1,563 crore (US$311.82 million) (2011) Total assets -253,116 crore (US$50.5 billion) (2011) Employees - 14,000 (2011) Website -www.idbi.com

Loans Home Loans Loans Against Property Education Loans Personal Loan Loan Against Securities Reverse Mortgage Loan Auto Loan

INTRODUCTION OF PRIVATE BANK

HDFC Bank
The Housing Development Finance Corporation Limited, popularly called HDFC Bank, was set up in India in the month of August in the year 1994 with the name HDFC Bank Limited. This was the 1st organization to be approved by R. B. I. (Reserve Bank of India) to establish a private sector bank. This happened as a part of the liberalization of the banking industry in the country by R. B. I. in the same year. HDFC Bank Limited (BSE: 500180, NSE: HDFCBANK, NYSE: HDB) is an Indian financial services company that was incorporated in August 1994. HDFC Bank is the fourth largest bank in India by assets and the second largest bank by market capitalization as of February 24, 2012. The bank was promoted by the Housing Development Finance Corporation, a premier housing finance company (set up in 1977) of India. HDFC Bank has 1,986 branches and over 5,471 ATMs, in 996 cities in India, and all branches of the bank are linked on an online real-time basis. As of 30 September 2008 the bank had total assets of Rs.1006.82 billion.[3] For the fiscal year 2010-11, the bank has reported net profit of 3,926.30 crore (US$783.3 million), up 33.1% from the previous fiscal. Total annual earnings of the bank increased by 20.37% reaching at 24,263.4 crore (US$4.84 billion) in 2010-11.[4] HDFC Bank is one of the Big Four banks of India, along with: State Bank of India, ICICI Bank and Punjab National Bank.

HDFC Bank Limited

Type Private Traded as - BSE: 500180 NSE: HDFCBANK NYSE: HDB BSE SENSEX Constituent Industry - Banking, Financial services Founded - August 1994 Headquarters -Mumbai, Maharashtra, India Area served -Worldwide Key people - AdityaPuri (MD) Products Credit cards, consumer banking, corporate banking, finance and insurance, investment banking, mortgage loans, private banking, private equity, wealth management. Revenue - US$ 5.585 billion (2011) Profit - US$ 923.8 million (2011) Total assets - US$ 65.483 billion (2011) Website -HDFCBank.com

However, this scheduled business bank started its operations mainly from January, 1995. Headquartered in the city of Mumbai, this is one of the main companies involved in housing finance. With an aim to be a world class bank, this bank in India holds a good track record of performance in both national as well as global markets. Post completion of the last quarter on 30th September, 2011, the total income of the bank increased by 37.4 % as compared to this same quarter of 2010.

Kotak Mahindra Bank

KotakMahindra Bank (BSE: 500247, NSE: KOTAKBANK) is an Indian financial service firm established in 1985. It was previously known as Kotak Mahindra Finance Limited, a non-banking financial company. In February 2003, Kotak Mahindra Finance Ltd, the group's flagship company was given the license to carry on banking business by the Reserve Bank of India (RBI). Kotak Mahindra Finance Ltd. is the first company in the Indian banking history to convert to a bank. \Today it has more than 20,000 employees andRs. 10,000 crore in revenue.Mr.UdayKotak is Executive Vice Chairman & Managing Director of Kotak Mahindra Bank Ltd. In July 2011 Mr. C. Jayaram and Mr. Dipak Gupta, whole time directors of the Bank, were appointed the Joint Managing Directors of Kotak Mahindra Bank. Dr. Shankar Acharya is the chairman of board of Directors in the company.The Bank has its registered office at NarimanBhavan, Nariman Point, Mumbai. It bought stressed assets from a number of banks, at full loan value of Rs 1,000 crore in 2005.[3] In January 2011, the bank reported a 32% rise in net profit to Rs188 crore for the quarter ended December 2010 against Rs. 142 crore the corresponding quarter last year.Kotak Mahindra bank also reached the top 100 most trusted brands of India in The Brand Trust Report published by Trust Research Advisory in 2011.

Kotak Mahindra Bank

Type -Private

Traded as - BSE: 500247

NSE: KOTAKBANK

Industry - Financial service

Founded -1985 (as Kotak Mahindra Finance Ltd)

Headquarters - Mumbai, India

Key people - UdayKotak (Chairman) & (MD)

Products - Deposit accounts, Loans, Investment services, Business banking solutions, Treasury and Fixed income products etc.

Revenue - 10,963crore (US$2.19 billion)(2011)

Net income- 1,569crore (US$313.02 million)(2011)

Website- www.kotak.com

Kotak Mahindra is among the leading financial organization of India, with a range of financial services that caters to all customers' day to day requirements. Their products spans from commercial banking, to stock broking, to mutual funds, to life insurance, to investment banking diverse needs of individuals and corporates are catered to. The Kotak group has a net worth of more than ` 6,799 crore with the branches, franchisees, representative offices and satellite offices spread across cities and towns in India. They also have global offices in New York, London, San Francisco, Dubai, Mauritius and Singapore. The Kotak Group offers their services to approximately 6.4 million customers.

The Kotak Mahindra Group got incepted in 1985 in the form of Kotak Capital Management Finance Limited, being promoted by UdayKotak, Sidney A. A. Pinto and Kotak& Company. A stake in the group was taken in by industrialists Harish Mahindra and Anand Mahindra and this is the time when the company changed its name to Kotak Mahindra Finance Limited. Kotak Group Products & Services Bank Credit Cards Life Insurance Mutual Funds Car Finance Securities

 Institutional Equities Investment Banking International Business Kotak Private Equity Kotak Realty Fund Wealth Management The flagship company of Kotak Mahindra Group, Kotak Mahindra Finance Ltd was established in 1985. The same got converted into a bank - Kotak Mahindra Bank Ltd in March 2003. Kotak Mahindra bank has presence in commercial vehicles, retail finance, corporate banking, treasury and housing finance.

Loans Personal Loans Home Loans Loan Against Property

ICICI Bank
ICICI (INDUSTRIAL CREDIT AND INVESTMENT CORPORATION OF INDIA) Bank Ltd. (NSE: ICICIBANK, BSE: 532174, NYSE: IBN) is an Indian diversified financial services company headquartered in Mumbai,

Maharashtra. It is the second largest bank in India by assets and third largest by market capitalization. It offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and through its specialized subsidiaries in the areas of investment banking, life and non-life insurance, venture capital and asset management. The Bank has a network of 2,630 branches and 8,003 ATM's in India, and has a presence in 19 countries, including India.

The bank has subsidiaries in the United Kingdom, Russia, and Canada; branches in United States, Singapore, Bahrain, Hong Kong, Sri Lanka, Qatar and Dubai International Finance Centre; and representative offices in United Arab Emirates, China, South Africa, Bangladesh, Thailand, Malaysia and Indonesia. The company's UK subsidiary has established branches in Belgium and Germany.

ICICI Bank is one of the Big Four banks of India, along with State Bank of India, Punjab National Bank and HDFC Bank

ICICI Bank is the largest private sector bank in India in terms of market capitalization. It is also the second largest bank in India in terms of assets with a total asset of ` 3,674.19 billion (US$ 77 billion) as on June 30, 2009. For the quarter ended on June 30, 2009, the total profit after tax has been ` 8.78 billion. Formerly known as Industrial Credit and Investment Corporation of India, ICICI Bank has an extensive network of 1,544 branches with about 4,816 ATMS located across India and in 18 other countries. ICICI Bank serves over 24 Million customers throughout the world. It is considered as one of the Big Four Banks in India along with State Bank of India, HDFC Bank and Axis Bank. ICICI Bank provides a wide array of banking products and financial services to its retail and corporate customers. It has a wide variety of delivery channels and specialized affiliates and subsidiaries that ensure the flow of its offerings in the areas like investment banking, venture capital, life and non-life insurance and asset management. This bank is also India's largest credit card issuer. The equity share of ICICI Bank is listed on various stock exchanges like NSE, BSE, Kolkata Stock Exchange and Vadodara Stock Exchange etc. Its AD ` are also listed on the New York Stock Exchange. ICICI Bank also has the largest international balance sheet among all the banks in India. It is also expanding its business in the overseas market at an enviable pace. In Q2 September 2008, ICICI Bank recorded a 1.15% growth in net profit over Q2 September 2007 to reach at ` 1,014.21 crores. The current and savings account (CASA) ratio of the bank also went up from 25% in 2007 to 30% in 2008.

ICICI Bank Ltd.

Type - Public Traded as - BSE: 532174 NSE: ICICIBANK NYSE: IBN BSE SENSEX Constituent Industry - Banking, Financial services Founded - 1955 Headquarters - Mumbai, Maharashtra, India Area served - Worldwide Key people - K. V. Kamath (Chairman) ChandaKochhar (MD & CEO) Products -Credit cards, Consumer banking, corporate banking, finance

and insurance, investment banking, mortgage loans, private banking, wealth management

Revenue - US$ 13.812 billion (2011) Profit US$ -1.366 billion (2011) Total assets -US$ 119.69 billion (2011)[1] Total equitUS$ -12.401 billion (2011)[1] Employees - 79,978 (2011)[1] Website -www.icicibank.com

Products and Services

ICICI Bank offers a host of products and services to its clients, which include Deposits, Loans, Cards, Investments, Insurance, Demat, NRI Services and Online Services etc.

Loans
Home Loans Loan Against Property Personal Loans Car Loans Two Wheeler Loans Commercial Vehicle Loans Loans Against Securities

Loan Against Gold Ornaments

Axis Bank
Axis Bank Limited, formerly UTI Bank, (BSE: 532215, LSE: AXBC) is an Indian financial services firm that had begun operations in 1994, after the Government of India allowed new private banks to be established. The Bank was promoted jointly by the Administrator of the Specified Undertaking of the Unit Trust of India (UTI-I), Life Insurance Corporation of India (LIC), GenYES Bank Limited (BSE: 532648) is an Indian Bank, engaged in providing a range of banking and financial services. The Banks business segments include Treasury, Corporate/Wholesale Banking, Retail Banking, Corporate Finance, Transaction Banking and a host of other Banking services. It was founded by RanaKapoor and his partner (Late) Ashok Kapur, with the duo holding a collective financial stake of 27.16%. YES Bank has received significant national and international recognitions which include Mr. RanaKapoor, Founder, MD & CEO being recognized as the Entrepreneurial Banker of the Decade (2001-2010) by Bombay Management Association India's No. 1 New Private Sector Bank in the Financial Express-E&Y Best Banks Survey 2010 , India's Fastest Growing Bank of the Year at the Bloomberg UTV Financial Leadership Awards 2011. YES Bank has become the first Indian Bank, and the third one

globally in the banking industry to receive certification for its 'Complaints Management System (ISO 10002:2004)' by the British Standard's Institution (BSI) as on August 25, 2010. The bank was also awarded the ISO 27001:2005 Certification for its 'Information Security Management System' by BSI.

Eral Insurance Corporation Ltd., National Insurance Company Ltd., The New India Assurance Company, The Oriental Insurance Corporation and United India Insurance Company UTI-I hold a special position in the Indian capital markets and have promoted many leading financial institutions in the country. The bank changed its name to Axis Bank in April 2007 to avoid confusion with other unrelated entities with similar name.[3] After the Retirement of Mr. P. J. Nayak, Shikha Sharma was named as the bank's managing director and CEO on 20 April 2009.

As on the year ended 31 March 2009 the Bank had a total income of 137.4504 billion (US$2.74 billion) and a net profit of 18.1293 billion (US$361.68 million).On 24 February 2010, Axis Bank announced the launch of 'AXIS CALL & PAY on atom', a unique mobile payments solution using Axis Bank debit cards. Axis Bank is the first bank in the country to provide a secure debit card-based payment service over IVR. Axis Bank, previously known as UTI Bank, is one of the Big Four Banks of India along with State Bank of India, HDFC Bank and ICICI Bank. Established in 1994, it's the first of the new private sector banks in India to start its operations, when Government of India opened the gate for the private banks to flock into the Indian financial market. Though the bank started its operation with the name UTI Bank, but later, in order to avoid ambiguities and confusion with other discrete entities carrying the same name, it changed its name to its current form (Axis Bank) in April 2007. Axis Bank Limited recorded a total income of ` 13,745.04 crore as on the year ended March 31, 2009. It also made a net profit of ` 1,812.93 crore in the same financial year.

Axis Bank has its registered office at Ahmedabad, while its central office is located at Mumbai. Currently it has an extensive network of over 905 branches across the nation. It also has a network of more than 3894 ATMs

Axis Bank Limited

Type - Public Traded as - BSE: 532215 LSE: AXBC NSE: AXISBANK Industry - Banking, Financial services Founded - 1994 Headquarters - Mumbai, Maharashtra, India Key people - Adarsh Kishore, (Chairman) Shikha Sharma, (MD & CEO) Products Credit cards, consumer banking, corporate banking, finance and insurance, investment banking, mortgage loans, private banking, private equity, and wealth management

Revenue - 198.26 billion (US$3.96 billion) (2011) Net income - 33.44 billion (US$667.13 million) (2011) Total assets - 2.42566 trillion (US$48.39 billion) (2011) Employees - 21,640 (2010) Website - www.axisbank.com

Loans
Home Loan Car Loan Personal Loan Loan Against Shares Loan Against Property Loan Against Security Study Loan Consumer Loan

Yes Bank

In 2010, the bank announced the roll-out of a strategic blueprint, named Version 2.0 of the bank, to further accelerate its business growth in the retail banking space, with the objective to achieve by 2015, a balance sheet size of Rs.1,50,000crore, deposits of 125,000 crore, advances of 100,000 crore, a pan India network of 750 branches and a human capital base 12,000 by 2015 [10].

Yes Bank Limited

Type - Private (BSE: 532648) Industry - Banking & financial services Founded - 2003-04 Founder(s) - Ashok Kapur and RanaKapoor Headquarters - Mumbai, India Key people - Ranakapoor (Founder) & (Ceo) Products - Corporate and Institutional Banking, Financial Markets, Investment Banking, Corporate Finance, Branch Banking, Business and Transaction Banking, and Wealth Management business lines Revenue - 4,665.01 crore (US$930.67 million) (2010-11) Operating income - 1,190.38 crore (US$237.48 million) (2010-11) Profit- 727.13crore (US$145.06 million) (2010-11) Total assets - Rs. 363.8 billion at March 31, 2010

Total equity - Rs. 30.7 billion at March 31, 2010 Employees - 3,034 Website -www.yesbank.in

Yes Bank India, founded under the initiative of RanaKapoor and Ashok Kapur, is known for comprehensive banking and providing financial solutions to its customers. The main mission of the Yes Bank in India is to establish a hi-tech driven private Indian bank catering to the needs of the emerging India. The founders got the financial assistance from the Rabobank Nederland, the world's only AAA rated private bank, and three respected global institutional private equity investors, CVC Citigroup, AIF Capital and ChrysCapital. At present, Yes Bank India has forty fully operational branches.

Activities:

The main feature that differentiates Yes Bank India in the banking industry is their use of knowledge bankers who are industry experts in various sectors of Indian economy thereby helping their valued customers with indepth knowledge of these sectors. In general the products and services offered by the Yes Bank are:

Corporate and Institutional Banking

Financial Markets Investment Banking Business and Transactional Banking Retail Banking Private Banking The Yes Bank offers a package of value added services, known as the Yes Touch. This includes International Debit Cards, 24 Hour ATM Access, Internet Banking, Mobile Banking, Payment - Online Brokerage and Online Travel Booking.

Objective of the study

The following survey was mainly done with an objective to know the state of mind of the customer who wanted to take loan from the bank& also to

know the attitude and preference of the type of bank loan regarding to his need and bank interest rate according. I. II. III. IV. To know the customer satisfaction in public and private bank To know the process of bank loan To know the bank position of public To know the awareness customer for bank loan

Scope of the study

The following survey was done parallel when an customer is going to bank for loans. The study helps us to know the state of mind of the customer & their expected charges regarding interest rate, Return, Annual paid up amount, monthly installments, and so on. The Bank is also benefited as he came to know what an customer expects when he or she is going to. Also if the Brokerage house is lacking in some areas, what is that and how to overcome that.

Research Methodology

I have conducted a survey to know the state of mind of the customer who wanted to take loan & also to know the attitude and preference of the prospective customer regarding private & public bank loan.

A Questionnaire is designed by me to collect the needed information regarding my survey. For my survey I have taken 50 existing and prospecting investors, I got the questionnaire filled by them to know the state of mind of the customer who took loan from public and private bank, their expected interest charges &also to know the attitude and preference of the prospective investors regarding

Results are cautiously viewed as sample is coming from a specific population. The response that is generated during this exercise is converted in the form of percentage to have a comparative outlook. As the number itself cannot explain the true picture. These percentage are then represented through the simple tools like Bar graph, Pie charts.

Type of Data
In my project I have used both Primary Data Secondary Data.

Primary Data: I include a questionnaire in my Research and the questionnaire filled by the Existing customer who already taken the loan from public and private bank.

Secondary Data: - I take the information from the official websites of banks from electronic media from print medi .

DATA ANALYSIS

Q.1.-Do you have account with public bank or private bank?

you have account with public or private bank Public Private

No. of frequency 32 18

No. of frequency
40 30 20 10 0 public private No. of frequency

Interpretation:
It measures the efficiency with which the relationship between public and private banks is being used by a frequency is 50.These show the relationship both the banks. 32 customer use public bank & 18 customers used private bank.

Q-2.What kind of loan you own from bank?

Type of loan Home loan Education loan Term loan Gold loan Car loan Others

No of frequency 18 12 5 1 10 4

No.of frequency
Car loan 22% Gold loan 2% Term loan 11% Education loan 26% 0% Home loan 39%

Interpretation:
It measures the efficiency with which the public bank loans & private bank loan.shows the percentage of the all loans. These may be the car loan, home loan, education loan,term loan, gold loan.publicbaks may be highestpercentage of loan is the home loan, and lowest percentage of loan is gold loan.

Q-3 what is limit of your bank loan limit ?

Limit of loan Less than 50000 50000 - 200000 200000 - 500000 More than 500000

No. of frequency 8 12 16 14

No. of frequency
20 15 10 5 0 Less than 50000 50000 200000 200000 - More than 500000 500000 No. of frequency

Interpretation:

It measures the efficiency with which the public bank loans. This graphical presentation shows the limit of loan. Less than 50000, 50000 to 200000, and 200000 to 500000 and more than 500000, these analysis shows that the highest limit of loan taken people between50000 to 200000 rupee.

4) Preferred interest rateNo. of frequency

Fixed rate38 Floating rate 12

No. of frequency
40 35 30 25 20 15 10 5 0 Fixed rate Floating rate

Interpretation:

It measures the efficiency with which the public bank loans. This graphical presentation shows the two type of interest rate. Fixed interest rate and floating interest rate. Major the frequency out off 50 the 12 bank charge the floating interest rate, and 38 bank used fixed interest rate.

5) Difficulty in loan taking procedure

Yes No Somewhat

No. of frequency
7 40 3

No. of frequency
45 40 35 30 25 20 15 10 5 0 YES NO Somewhat No. of frequency

Interpretation:

It measures the efficiency with which the public& Private bank loans. This graphical presentation shows the difficulty in loan taking procedure. These may be all bank easily provided loan as per bank loan procedure.

6) Use online services

Yes No

No. of frequency
40 10

No. of frequency
40 30 20 10 0 Yes No No. of frequency

Interpretation:
It measures the efficiency with which the public bank loans. This graphical presentation shows the on line services. Now a days the customer aware new technology so they used 85 % online services,

7) Time taken for solving banking problems and loan issues

Immediately Within 24 hrs. Within 48 hrs. Within 3 - 5 Business days

No. of frequency

1 36 13 0

Series 1
40 35 30 25 20 15 10 5 0 Immidiately Within 24 hrs Within 48 hrs Within 3 - 5 More than a Business days week Series 1

Interpretation:
It measures the efficiency with which the public bank loans. This graphical presentation shows the time taken by bank for solving the banking problem and loan issues the banks solve problem, immediately, with in 24 hrs. and 48 hrs. within 3-5 days, mostly all the bank solve the problem within 24 hrs and some banks solve problem within 48 hrs.

8) Satisfied Yes No

with the services

No. of frequency 48 2

No. of frequency
60 50 40 30 20 10 0 Yes No

No. of frequency

Interpretation:
It measures the efficiency with which the public bank and private bank loans. This graphical presentation shows the result of all survey satisfied with bank services, so that 48 customer satisfied with 2 customer not satisfied with bank service

Findings
Most of the respondent chooses public sector bank because the bank provides better services. Some of the respondents choose the public bank is because the bank is providing more ATM facility and so many branch in every sector also better security to the customers. The age group of 35yrs 55yrs respondents mostly is having an account in public bank because they prefer security of their account. Mostly females are having an account in Spublic bank.

And many of the respondents are not aware of the many services rendered by the public and private bank. The few are deposit cash in ATM, request for cheque book in ATM, end of the day balance in mobile, etc. Some of the respondents to choose the private sector bank is because the bank is more reliable to the customers.

And the salaried persons more prefer the private sector bank because they provide more schemes to them.

Most of the respondents are using e-banking services for transfer the funds and bill payments.

The credit crises have head minimum impact on customers confidence in the banking. Majority of the customers are also very satisfied with the services they get from their banks.

Suggestions

Since many of the respondents are not aware of there key services. The bank has to take some initiatives.

The bank can post a list of services that they are rendered to the customers inside the bank Premises.

And they can post demo of all these services in their bank website.

Embrace online innovation.

Create brand ambassadors.

The bank can also send a post/email to their customers by informing there services and how to proceed with that and all details they can mention it in the post/emails.

Brand enhancement programs.

Conclusion

The basic objective of my research was to analyze the awareness among customers for public bank & private bank in India. It gives direction to research tools, research types and techniques. Although the findings reveal that people know about the services but still many people are unaware and many of them are nonusers so the bank should by promotion try to retain the customers. Banks should look forward to have some tieups with other financial institutions to increase the service base. Since both the banks are competing equally with each other. But now a day private bank also equally competition with public bank.The middle aged people more preferring banksloan because they provide more safety to their account&benefits.

Bibliography
Websites
www.wikkipedia.com Google search Yahoo search Bank websites

Questionnaire
Name: Address: Occupation: Annual Income: Name of your Bank which you have account:

1. Do you have account with private or public sector bank? A) Public B) Private 2. Do you own any loan from this bank? A) Yes B) No 3. If no, then what is the name of the bank you own loan?

4. What kind of Loan you own from this bank? A) Home Loan B) Education Loan C) Term Loan D) Gold loan E) Car Loan F) Other

5. What is the term of your loan? A) Less than 1year B) 1year 3years C) 3years-5years D) more than 5years

6. What is the limit of your bank loan? A) Less than 50,000 B) 50,000-2, 00,000 C) 2, 00,000-5, 00,000 D) More than 5, 00, 000

7. Which interest rate do you prefer? A) Fixed rate B) Floating rate

8. Do you feel that the procedure to take loan with the bank was difficult? A) Yes, to a certain extent B) No, it was easy 9. Do all the loan related informations are provided to you whenever required ? A) Yes B) No

10. Are you able to use banking loan services online? A) Yes B) No 11. How quickly were your banking problems and issues related to loan services addressed by the bank staff? A) Immediately B) Within 24 hours C) Within 48 hours D) Within 3-5 business days E) More than a week F) Some issues are still pending

12. Are you satisfied with the services? A) Yes B) No

13. You want to shift to another bank, whichbank?