a study on hdfc bank with regard to education loan

7/23/2019 A Study on HDFC Bank With Regard to Education Loan

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Project ReportOn

“A study on HDFC bank with regard toEducation loan



The Housing Development FinanceCorporation Limited (HDFC) was the frstbank to receive an 'in principle' approvalrom the !eserve "ank o #ndia (!"#) to setup a bank in the private sector$ The bankwas incorporated in %ugust & in thename o 'HDFC "ank vt$ Limited'* with its

registered o+ce in ,umbai* #ndia$

!"#ROD$C#!O"



%s on -&st ,arch* ./&0 the authori1edshare capital o HDFC "ank is !s$ 00/ crore$

The paid2up capital as on the said date is!s$ .0*-3*&*//42 ( .*0-*3*&/ e5uit6shares o !s &/42 each) and the "ank hasabout 0*3*77 shareholders$

The shares are listed on the "omba6 8tock

9:change and The ;ational 8tock 9:changeo #ndia

Capital %tructure



To know about the HDFC bank in

education loan.

To know about the position of HDFCbank in market.To analyze the practical knowledge in

the bank.To get knowledge about the banking

sector .

OBJECTIVES OF THE STUDY



8"#

#C#C#

<otak mahindra

&A'OR CO&PE#!#OR%



The ma:imum amount o loan granted or educationin #ndia is !s$&/ lakhs and !s$ ./ lakhs or educationin abroad$ The rate o interest o=ered is attractive$

!epa6ment o loan commences either one 6ear aterthe course ends or si: months ater one gets a >ob$ #tdepends on which one is earlier to the other$

Candidates ma6 also fll and submit the online

application orm$ The representatives o the bank getin touch with the applicants as soon as possible$

Features and (ene)ts o*ered byHDFC (ank



?ou need to be an resident ?ou should be aged between &@2-0 6ears

#nstitute admission letter with ee break up %ge proo o applicant #dentit6 proo !esidence proo Latest photograph(signed across)

Eligibility criteria +or securing educationloan



Aet 9ducation loan upto !s$7 lakh withoutcollateral securit6

#n case o education loan above !s$ 7 lakh*collateral securit6 is re5uired

,a:imum repa6ment tenure is upto &0 6ears !epa6ment starts & 6ear ater course

completion 4 @ months ater obtaining

emplo6ment (whichever is earlier) Loans are available or short duration4 >ob

oriented courses also$

Features , (ene)ts -!ndian Education



%trengths. HDFC bank is the largest private sector

bank in #ndia having .*./& branches and

7*&&/ %T,Bs$ HDFC bank is located in &*&7 cities in #ndiaand has more than 3// locations to servecustomers through Telephone banking$

HDFC bank o=er high degree o customersatisaction when compared to other private

banks$

%/O# analysis



/eakness. HDFC bank doesnBt have strong presence in

!ural areas* where as #C#C# bank is its directcompetitor is e:panding in rural market$

HDFC bank cannot en>o6 frst mover

advantage in rural areas$ !ural people arehard core lo6al in terms o banking services$

The share prices o HDFC are otenuctuating causing uncertaint6 or the

investors



Opportunities. HDFC bank has better asset 5ualit6

parameters over government banks* hencethe proft growth is likel6 to increase$

HDFC has ver6 good opportunities in abroad$

HDFC bank has improved itBs bad debtsportolio and the recover6 o bad debts are

high when compared to government banks$



#hreats. The HDFC is not able to e:pand its market

share as #C#C# imposes ma>or threat$

The government banks are tr6ing tomoderni1e to compete with private banks



Descriptive !esearch Design 8ample 8i1e &//

8ample T6pe %rea 8ampling 8ample %rea <arnal !%;D, 8%,L#;A Data Collection rimar6 G 8econdar6 Data Collection techni5ue 5uestionnaire method

RE%EARCH DE%!1"



2.3 ARE 4O$ HA5!"1 A"ED$A#!O" 6OA"7

4es no

70 .0

&0/

./

6es

no

In the survey I find they have knowledge about education loan only !" respondents are

says he have education loan and #!" respondents are says he not have education loan.



2.8 FRO& /H!CH (A"9 HA5E 4O$HA5E ED$CA#!O" 6OA"7

%(! HDFC P"( !C!C! %yndicate (ank

$nion(ank

-/ .0 &0 ./ 3 .

/

-0.0

-/

&00 8"# HDFC

;" #C#C#

86ndicatebank

nion bank

#n the surve6 # fnd more than -/ have 8"# education loan andrest more .0I HDFC and ./I have icici



2.: FRO& /H!CH CHA""E6 HA5E 4O$ AC2$!RED #HE

ED$CA#!O" 6OA"7

Agents Others

3/ ./

&./

-/

%gents

others

#n the surve6 # fnd more than respondents getting education loan

rom compan6 agent and >ust onl6 ./I person has loan rom othersources



2.; 4ou want to ha<e educationloan +or +urther studies7 4es "o can=t say

@/ &/ -/

3/

0

@06es

no

can't sa6

#n the surve6 # asked the 5uestion rom &// respondents and >ust onl6@/I respondents want to education loan or urther stud6 and /I

customer canBt give me response$



2>? ARE 4O$ A%%E%%ED #O #A@7

yes no

-0 @0

00@0

6es

no

#n the surve6 # ound that -0I people assessed to ta: and @0I

people do not assessed ta:



2? 4O$R OCC$PA#!O"7

%alaried %el+eBployeed

Retired Housewi+ e

1o<ernBent

"R!

/ ./ &/ &/ ./ /

@/

.0./

&0

-/0salaried sel

emplo6eed

retired housewie

government ;!#

#n the surve6* # ound that /I respondents are salaried who take

education loan and &/ I are retired respondents$



There is a health6 relationship betweenemplo6ees and organisation

There is a proper acilit6 or providingtraining in organisation

There is a recruitment polic6 in organisationwhich helps in acheiving ob>ectives

The organisation provides training to more

than fteen emplo6ees in a 6ear

Findings



# have Concluded that HDFC bank is providing

attractive rate o interest on education loan

#t is o=ering good rate o interest as compared to other

private sector banks

#ts assets 5ualit6 parameter is high

9mplo6ee turnover ratio is low

#t is o=ering good incentives to emplo6ees

CO"C6$%!O"



The most o persons gave no response tome the6 said J8orr6J # am bus6$

The most persons gave no response to meand the6 said # have no time$

The most persons gave no response to meand the6 said call back me ne:t da6 orsome other da6$

8ome persons became angr6 and uriouswhen # tr6 to ask di=erent things to them$

#t was summer season at visit time$

6!&!#A#!O"%



HDFC bank has to improve its brand image* i$e$*it has to position itsel in the minds o prospectsin a better wa6 in comparison to others$ Furtherit has to provide a good environment and good

interest rate or education loan$

#t should give more emphasi1e in advertising asit the most powerul tool to position an6 brand in

the mindsets o customers$ There is also a needto modi6 the services and benefts provide b6the bank to its customers and emplo6ees$

RECO&&E"DA#!O"%



T H% ; < ?

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a study on hdfc bank with regard to education loan

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