Synopsis On Home Loan

SYNOPSIS
ON
“A DESCRIPTIVE STUDY ON HOME LOAN PROCESS AT

HOUSING DEVELOPMENT FINANCE CORPORATION LTD,
NAGPUR.”
SUBMITTED TO RASHTRASANT TUKADOJI MAHARAJ
NAGPUR UNIVERSITY, NAGPUR
IN PARTIAL FULFILLMENT OF THE REQUIREMENT FOR THE DEGREE OF
BACHELOR OF BUSINESS ADMINISTRATION
(FINANCIAL MANAGEMENT)
SUBMITTED BY
YASH JAJANI
BBA PART III
UNDER THE VALUABLE GUIDANCE OF
DR. RAJASHREE CHANNE
DEPARTMENT OF COMMERCE, MANAGEMENT AND COMPUTERS
HISLOP COLLEGE, NAGPUR.

ACADEMIC SESSION
2019 – 2020
INDEX
SR. NO. PARTICULARS PAGE NO.
1 INTRODUCTION 1
2 COMPANY PROFILE 2
4 OBJECTIVES OF THE STUDY 3
5 HYPOTHESIS 4
6 LIMITATIONS 5
7 RESEARCH METHODOLOGY 6
8 BIBLIOGRAPHY 7
INTRODUCTION
Finance is the study of funds and management. Its general areas are business finance,
personal finance, and public finance. It also deals with the concepts of time, money, risk, and
the interrelation between the given factors. It is basically focused on how the money is spent
and budgeted. It is one of the most important aspects in handling business. Finance addresses
the methods wherein business entities used their financial resources on a certain period of
time. It is the application of a set of techniques used by organization in managing their
financial affairs. The income and expenditure are emphasized in finance and its differences
can easily be indicated.
Home is a dream of a person that shows the quantity of efforts, sacrifices luxuries and
above all gathering funds little by little to afford one’s dream. Home is one of the things that
everyone one wants to own. Home is a shelter to person where he rests and feel comfortable.
Many banks providing home loans whether commercial banks or financial institutions to the
people who want to have a home.
HDFC Bank Home Loan, India have been serving the people for around three decades
and providing various housing loan according to their varied needs at attractive & reasonable
interest rates. Owing to their wide network of financing, HDFC Bank Ltd Housing Loans
provides services at your doorstep and helps you find a home as per your requirements.
Many banks are providing home loans at cheapest rate to attract consumers towards
them. The more customer friendly attitude of these banks, currently offer to consumers
cheapest loan over homes. In view of acute housing shortage in the country, and keeping in
mind the social – economic role of commercial banks in the present times, the RBI advised
banks to encourage the flow of credit for housing finance.
COMPANY PROFILE
HDFC BANK LTD , founded 1977 by Ravi Maurya and Hasmukhbhai Parekh, is an
Indian NBFC, focusing on home mortgages. HDFC Bank ltd distribution network spans 243
outlets that include 49 offices of HDFC Bank ltd distribution company, HDFC BANK lTD
Sales Private Limited. In addition, HDFC Bank ltd covers over 90 locations through its
outreach programmes. HDFC Bank ltd marketing efforts continue to be concentrated on
developing a stronger distribution network. Home loans are also Sharcket through HDFC
Bank ltd Sales, HDFC Bank ltd Limited and other third party Direct Selling Agents (DSA).
HDFC Bank ltd Incorporated in 1977 with a share capital of Rs 10 Crores, HDFC
Bank ltd has since emerged as the largest residential mortgage finance institution in the
country. The corporation has had a series of share issues raising its capital to Rs. 119 Crores.
The gross premium income for the year ending March 31, 2007 stood at Rs. 2,856 Crores and
new business premium income at Rs. 1,624 Crores. The company has covered over 8,77,000
lives year ending March 31, 2007.
HDFC Bank ltd operates through almost 450 locations throughout the country with its
corporate head quarters in Mumbai, India. HDFC Bank ltd also has an International Office in
Dubai, UAE with service associates in Kuwait, Oman and Qatar. HDFC Bank ltd is the
largest housing company in India for the last 27 years.
OBJECTIVES OF PROJECT
 The main objective of this study is to know the Customers perceptions about home
loans of HDFC Bank.
 To analyze the history of HDFC Bank.
 To make comparative study of the process followed for Disbursement of home loans
by Commercial banks.
 To study the satisfaction level of customers about home loans in HDFC Bank.
HYPOTHESIS
H1 The rate of interest provided by SBI is more beneficial.

H2 The overall schemes of SBI are more beneficial for customers.
LIMITATION OF THE STUDY
 The study is limited up to Nagpur city only.
 Time Constraints.
 Have selected only 100 customer’s data for this study.

RESEARCH METHODOLOGY
Research methodology is a way to systematically show the research problem. It may

be understood as a science of studying how research is done scientifically. It is necessary for
the researcher to know not only the research methods but also the methodology. This Section
includes the methodology which includes. The research design, objectives of study, scope of
study along with research methodology and limitations of study etc.
COLLECTION OF DATA
To fulfill the information need of the study. The data is collected from primary as well
as secondary sources-
A - PRIMARY SOURCE:-
I decided primary data collection method because our study nature does not permit to
apply observational method.
In survey approach we had selected a questionnaire method for taking a customer view
because it is feasible from the point of view of our subject & survey purpose. We conducted
100 sample of survey in our project to judge the satisfaction level of customers which took
home loans.
B – SECONDARY SOURCE:-
It was collected from internal sources. The secondary data was collected on the basis
of organizational file, official records, news papers, magazines, management books,
preserved information in the company’s database and website of the company.
SAMPLE SIZE :-
The sample size is 100 Sample.
SAMPLE METHOD :-
The sample Method is used in Random Sampling Method

BIBLIOGRAPHY
BOOKS NAME:-
Financial Management – G. Sudarshan Reddy
NEWS PAPERS
 The Times of India

 Financial Express
WEB PAGES:-
http://www.hdfcbankltd.com
http://www. hdfcbankltd.com/others/popup/news/hdfcfin_result_june_30_08.html
http://www.loansnews.info/Home-loan/ hdfcbankltd -home-loans/

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SYNOPSIS

“A DESCRIPTIVE STUDY ON HOME LOAN PROCESS AT

SUBMITTED TO RASHTRASANT TUKADOJI MAHARAJ

NAGPUR UNIVERSITY, NAGPUR

IN PARTIAL FULFILLMENT OF THE REQUIREMENT FOR THE DEGREE OF

BACHELOR OF BUSINESS ADMINISTRATION

BBA PART III

UNDER THE VALUABLE GUIDANCE OF

DR. RAJASHREE CHANNE

DEPARTMENT OF COMMERCE, MANAGEMENT AND COMPUTERS

HISLOP COLLEGE, NAGPUR.

SR. NO. PARTICULARS PAGE NO.

4 OBJECTIVES OF THE STUDY 3

H1 The rate of interest provided by SBI is more beneficial.

 The study is limited up to Nagpur city only.

 Have selected only 100 customer’s data for this study.

Research methodology is a way to systematically show the research problem. It may

The sample size is 100 Sample.

The sample Method is used in Random Sampling Method

Financial Management – G. Sudarshan Reddy

 The Times of India

http://www.loansnews.info/Home-loan/ hdfcbankltd -home-loans/

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