BIBLIOGRAPHY

BIBLIOGRAPHY
i
BOOKS, MAGAZINES & JOURNALS
1. C.R. Kothari: Research Methodology, New Age International Publication, 2004

2. K. S. Nirmal Kumar (2018), Performance of Home Loan: A Study with reference to
HDFC Bank: Chennai, International Journal of Current Research and Academic
Review
3. Parish Wang Piyush (2016), Study of Housing Finance in India with reference to
HDFC and LIC Housing Finance Ltd, International Journal of Management (IJM)
4. Rao, T.S. (2013), “A study on comprehensive problems of H.D.F.C. and S.B.I. loan
takers in Andhra Pradesh State”, Innovative Journal of Business and Management
5. Gupta, V. P. and Aggarwal, P. K. (2013), “Comparative study of customer

satisfaction in Public and Private Sector Banks in India”, Global Journal of Business
Management,
6. Garg, P. and Sharma, R. (2014), “Home Loan: A Comparative Analysis of S.B.I. and
H.D.F.C. Bank”, International Journal of Scientific Research
7. Geete, V. and Thakur, A. (2014), “A comparative study of home loan scheme of

private Sector Bank and public sector bank (with special reference to S.B.I. and
H.D.F.C.)” International Journal of Research in Management and Social Science
WEBSITES
1. www.shodhganga.in
2. http://www.hdfcbank.com/personal/products/loans/home-loan
3. https://homeloans.sbi/products/view/regular-home-loan
4. https://www.bankbazaar.com/home-loan-procedure.html
5. www.rbi.org.in
6. www.researchgate.com
ii
APPENDIX
iii
QUESTIONNAIRE
Dear sir/madam
I am SWATHIKRISHNA, doing MBA from Mahatma Gandhi University, Kottayam. I am
preparing a project report on “Home loans: Comparison of SBI and HDFC banks.” Your
valuable time and effort in filling this questionnaire are highly appreciated. I request you to
please fill the questionnaire which will be used for the purpose of academic research only.
I. Personal Details
1. AGE ………………… Yrs.
2. GENDER ………………. M/F
3. QUALIFICATION
(a) High school (b) Graduate (c) Postgraduate

(d) Others
4. OCCUPATION
(a) Professional (b) Self -employed (c) Salaried
(d) others
5. Which income group do you belong? (per annum)
(a) Below 2 lakhs (b) 2-6 lakhs (c) 6- 10 lakhs
(d) 10 lakhs and above
6. Do you own a home?
iv
(a) Yes (b) No
7. Have you ever taken home loan?
(a) Yes (b) No
8. If (yes), then from which bank?
(a) SBI (b) HDFC (c) Others
9. What was the need for home loan?

(a) Construction of home (b) Purchase of home
(c) Renovation (d) Extension
10. How much loan amount you took?
(a) Less than 10 lakh (b) 10-30 lakh

(c) 30-50 lakh (d) More than 10 lakh
11. Are you aware of the home loan products of the banks?
II. Queries related to customer’s preference for home loan
12. What is reason for getting home financed?
(a) Non-availability of funds (b) Hesitation to pay cash in one go
(c) Benefit of tax (d) Any other (please specify) …………..
13. Which bank’s home loan product do you find more reliable?
v
14. The factor that affects your preference for taking home loan from your selected
bank
(a) Processing & disbursing (b) Interest rates

(c) Brand Image of the bank (d) Margin amount
Any other (Please Specify) ……………….
15. Which type of interest rate you preferred while taking home loan?
(a) Fixed rate (b) Floating rate
16. Rate of interest preferred in taking home loan.
(a) 7.5% - 8% (b) 8% - 8.80%

(c) 8.80% - 9.5% (d) 9.5% - 10%
III. Queries relating to the problems faced by customers in getting a home loan
17. What was the problem you faced while getting home loans from your selected
bank?
(a) Procedural difficulty (b) Longer processing period
(c) Higher documents & processing fees (d) Other unpaid loans
Any other (Please Specify) ……………………………………
18. The paper formalities of the home loan
(a) Justified (b) Too much
19. Duration taken by your bank to sanction your home loan
(a) 0-1 months (b) 0-2 months

(c) 0-3 months (d) More than 3 months
20. Duration taken by the bank in sanctioning the loan is
vi
(a) Very little (b) Justified
(c) Long enough (d) Very long
IV. Queries related to study of home loans of SBI and HDFC
21. Rate the following particulars based on your selected bank for home loans.
1-Strongly agree 2- Agree 3-Neutral 4-Disagree
5-Strongly disagree
SL. PARTICULARS 1 2 3 4 5
N
O
1 The application form of Home Loan is easy to understand
2 The interest rate charged by the bank is very high
3 The mortgage process has been explained thoroughly
4 You like to prefer EMI fixed by bank
5 Transparency in the process of sanction and disbursement
6 Documentation Procedure and formalities are very difficult
7 Do you agree that the processing fees of your bank loan is high
8 Quicker sanctioning procedure of bank
10 Do you think the interest charged by bank should be different on the

basis of income level?
12 Lesser miscellaneous charges of bank
vii
V. Queries related to the Customer’s Satisfaction level
22. Rate your Satisfaction Level based on your selected bank for home loan
1- Not satisfied 2- Average 3- Good 4- Very good
SL. PARTICULARS 1 2 3 4 5
NO
1. Are you satisfied with the Interest Rate charged by the bank on
Home Loan?
2. Are you satisfied with the Processing Charges of the bank?
3. Are you satisfied with the Collateral Securities asked by the

bank on Home Loan?
4. Are you satisfied with the procedure/documentation of the
bank?
5. Are you satisfied with the amount of loan sanctioned and its
disbursement?
6. Overall satisfaction level with the bank
5- Excellent
THANK YOU
viii

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BIBLIOGRAPHY

1. C.R. Kothari: Research Methodology, New Age International Publication, 2004

5. Gupta, V. P. and Aggarwal, P. K. (2013), “Comparative study of customer

7. Geete, V. and Thakur, A. (2014), “A comparative study of home loan scheme of

1. AGE ………………… Yrs.

2. GENDER ………………. M/F

(a) High school (b) Graduate (c) Postgraduate

(a) Professional (b) Self -employed (c) Salaried

5. Which income group do you belong? (per annum)

(a) Below 2 lakhs (b) 2-6 lakhs (c) 6- 10 lakhs

(d) 10 lakhs and above

6. Do you own a home?

7. Have you ever taken home loan?

(a) Yes (b) No

8. If (yes), then from which bank?

(a) SBI (b) HDFC (c) Others

9. What was the need for home loan?

10. How much loan amount you took?

(a) Less than 10 lakh (b) 10-30 lakh

(a) SBI (b) HDFC (c) Others

II. Queries related to customer’s preference for home loan

12. What is reason for getting home financed?

(a) Non-availability of funds (b) Hesitation to pay cash in one go

(c) Benefit of tax (d) Any other (please specify) …………..

(a) SBI (b) HDFC (c) Others

(a) Processing & disbursing (b) Interest rates

(a) Fixed rate (b) Floating rate

16. Rate of interest preferred in taking home loan.

(a) 7.5% - 8% (b) 8% - 8.80%

Any other (Please Specify) ……………………………………

18. The paper formalities of the home loan

(a) Justified (b) Too much

19. Duration taken by your bank to sanction your home loan

(a) 0-1 months (b) 0-2 months

20. Duration taken by the bank in sanctioning the loan is

IV. Queries related to study of home loans of SBI and HDFC

1-Strongly agree 2- Agree 3-Neutral 4-Disagree

2 The interest rate charged by the bank is very high

3 The mortgage process has been explained thoroughly

4 You like to prefer EMI fixed by bank

5 Transparency in the process of sanction and disbursement

6 Documentation Procedure and formalities are very difficult

8 Quicker sanctioning procedure of bank

10 Do you think the interest charged by bank should be different on the

1- Not satisfied 2- Average 3- Good 4- Very good

3. Are you satisfied with the Collateral Securities asked by the

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