achal project

A

SUMMER PROJECT REPORT

ON

“To study and analyze the market potential of HCL products among defense and corporates in PUNE

region”

Carried Out For

HCL Info systems Ltd

ByAchal Singh

(TM1110438)Balaji Institute of Telecom & Management

PUNE2011-13

Guided by: Ranjan Smruti NayakHead - Business Development & New Projects

CERTIFICATE

I hereby declare that the project report on, “To study and analyze the market potential of

HCL products among defense and corporates in PUNE region”, being submitted is the result

of the work carried out by me for the tenure of two months from 1 th June 2012 to 31th july

2012 by me (Achal Singh) under the guidance of Smruti Ranjan Nayak.

Smruti Ranjan Nayak

Head – Business Development

& New Projects (HCL Infosystem)

Acknowledgement

Foremost, I would like to thank the Almighty for instilling in me the strength and power required to fulfill the work given to me.

I earnestly take the responsibility to express my deep sincere gratitude to all those behind the screen who have helped me to successfully accomplish my project of “To study and analyze the market potential of HCL products among defense and corporates in PUNE region”.

I wish to convey my sincere thanks to Mr. Smruti Ranjan Nayak, Head – Business Development & New Projects, Mr.Anand Srivastava,logistics head and Mr.Shrikant Kulle,Regional Sales Manager for providing their dedicated time, direction and an opportunity to carry out the project work under their able guidance.

I am also obliged to Mr. V.S.Rawat, Branch Manager SBI, Golibar Maidan for providing her guidance which will always be treasured by me. I am also thankful to the employees of SBI, and the defense personnel without whom this project would have been impossible.

Lastly, I am really grateful to my Parents and friends, whose motivation and moral support during the hours of need helped me get going. Hence I’m very much indebted to them.

Table of Content

Executive Summary

The title of the project is “To study the loan approval and disbursement process”.

Serial No.

Topics Page No.

1 Executive summary 5

2 HCL family introduction 6

3 HCL Infosystems introduction 10

4 Management of HCL Infosystems 12

5 Key differentiators of HCL Infosystems 14

6 Awards and Accolades 22

7 About the project “Mission CYBER POWER” 23

8 Comparison of sales of June 2012 –July 2012 29

9 Comparison of sales of Sep-Oct 2010 & Sep-Oct 2011 30

10 About Personal loan 31

11 About Computer Loan Approval and Disbursement 33

12 Input Sheet for loan approval 35

13 Loan Amortization Schedule 38

14 Analysis of the project 40

15 Conclusion 59

16 Recommendations 60

17 Bibliography 61

HCL has recently launched a nationwide exclusive program "Mission Cyber Power", an initiative to provide HCL Desktops and Laptops at special discounted prices for Armed Forces personnel (Army, Navy and Air Force) who have their DSP (Defense Salary Package) account in SBI and their families with easy payment options in collaboration with State Bank of India.This project is mainly divided into 5 parts:-

About HCL-Detail study about the HCL Family

Sales part-It mainly deals with the strategies adopted to increase sales and market share of the company through this scheme. Comparison of sales has also been presented with its complete analysis.

Loan part-It deals with the study of personal loan in general and detailed study of the loan approval and disbursement process in this scheme. Loan amortization schedule and journal entries have also been presented.

Analysis part-It deals with the presentation of graphs and charts of sales and loan sanctioning. Analysis of the factors responsible for increase in sales and important factors for easy sanctioning of loan has also been presented.

Recommendation part- On the basis of Marketing practices and Banking principles little endeavor has been taken to recommend both HCL and SBI on how this project can be improvised.

INTRODUCTION OF HCL

The 3 decade old enterprise, founded in 1976, is one of India's original IT garage startups. Its range of offerings span R&D and Technology Services, Enterprise and Applications Consulting, Remote Infrastructure

Management, BPO services, IT Hardware, Systems Integration and Distribution of Technology and Telecom products in India. The HCL team comprises 85,000 professionals of diverse nationalities, operating across 31 countries including 500 points of presence in India. HCL has global partnerships with several leading Fortune 1000 firms, including several IT and Technology majors.

HCL is a leading global Technology and IT Enterprise with annual revenues of US$ 6.2 billion. The HCL Enterprise comprises two companies listed in India, HCL Technologies ( www.hcltech.com ) and HCL Infosystems (www.hclinfosystems.in )

HCL TECHNOLOGIES HCL INFOSYSTEMS

http://www.hclinfosystems.in/

http://www.hcltech.com/

SHIV NADAR, FOUNDER OF HCL BEING CONFERRED WITH “PADMA BHUSHAN”

Partnerships

HCL has always prided itself on its partnership engagements. Partner models are also evolving in the technology industry. Innovation has extended into the ecosystem and community based engagements are coming into play. HCL has also enhanced its relationships with partners and is creating a variety of innovative partnership models, with various approaches to risk-reward sharing. Some of the notable partner engagements:

1977

Leading position on office .Automation and Laptops in India

1981

Scripting an era of computing across the Microprocessor

1985

Strategic relationship that has seen the computer evolve from a computing device

2004

Partnering in computing and providing IT Services

1996Dominant position in mobile handset market in India. HCL partnered with Nokia to distribute their mobile phones in the burgeoning Indian market. Nokia today has more than 70% market share and the best service network in the country

About HCL Infosystems

HCL Infosystems Ltd is one of the pioneers in the Indian IT market, with its origins in 1976. For over quarter of a century, it has developed and implemented solutions for multiple market segments, across a range of technologies in India. We have been in the forefront in introducing new technologies and solutions.

HCL Infosystems Ltd is India´s premier hardware, services and ICT systems integration company offering a wide spectrum of ICT products that includes Computing, Storage, Networking, Security, Telecom, Imaging and Retail. HCL is a one-stop-shop for all the ICT requirements of an organization. India's leading System Integration and Infrastructure Management Services Organization, HCL has specialized expertise across verticals including Telecom, BFSI, eGovernance & Power.

HCL Infosystems portfolio of products covers the entire spectrum of the information technology needs of its customers. By virtue of the immense diversity of markets and customers that it addresses, HCL Infosystems products offerings include everything from high end enterprise level servers for mission critical applications to multimedia home computers.

HCL began an exciting journey more than three decades ago with a dream to give India its very own microcomputer. The sheer clarity of vision and hard work led to a revolution and laid a foundation for the Indian IT industry, which has today acquired a distinct position amongst major economies in the world. Today HCL is a USD 5 billion global enterprise and Ajai Chowdhry one of the founder members has been the key force in driving the growth of HCL and today leads, HCL Infosystems the flagship company.HCL Infosystems, the flagship company of the HCL enterprise, had a turnover of Rs. 400.6 crores (USD 85 million) in 1994 which underwent tremendous growth to become Rs. 12,137 crores (USD 2.6 billion) today. Employing - 7200 people, the company has today emerged not only as the country’s information-enabling powerhouse but a great place to work with industry accolades and awards received year after year.

HCL Infosystems has a long standing history of being involved ever since the inception of the IT Industry in the country. When government was seeking collaboration, HCL Infosystems were one of the first to partner in

laying down the IT infrastructure in India from something as basic as introducing a computer in the remotest part of the country. In a developing country like ours where we are leapfrogging to match the pace of developed global economies, ICT is rapidly becoming the core of any intelligent infrastructure and HCL Infosystems has developed customized & efficient system integration solutions designed to fuel the Indian growth engine. With relentless efforts to fuel the PC market, HCL Infosystems has been acting as a catalyst for affordable & economical computing.

Today HCL Infosystems has become one of the leading System Integration Company in the country, implementing several turnkey Systems and Networking Integration projects nationwide and across most of the vertical business segments. HCL Infosystems is uniquely poised today in the market making it the only company with India as its primary focus, offering state of the art technology solutions to empower a host of Defense, Homeland Security frameworks, social sectors and government schemes for Nation building. HCL Infosystems has being powering numerous projects across sectors like Defense, Homeland Security, Airport & Railways Intelligent Infrastructure, Telecom, Banking, Public Distribution System, E-governance, Education, NREGA etc. With global expansion and sharing best practices with the world and in particular developing markets, the company is today strategically expanding in markets like Middle East, Southeast Asia and Africa. The company has developed more than 30 IP products to serve different segments of the markets backed by various hardware and software services.

HCL today has India's largest vertically integrated computer manufacturing facility with over three decades of electronic manufacturing experience & HCL desktops is the largest selling brand into the enterprise space. With India’s largest ICT services network that reaches to every corner of India, HCL’s award winning Support Services makes it the preferred choice of enterprise and consumers alike. HCL Infosystems has a 100% subsidiary that addresses the physical security technology system integration market. The subsidiary leverages technology to build a security framework called ‘Safe State’ that safe guard’s life, infrastructure & society.

Company logo

Management of HCL Infosystems

AJAI CHOWDHRYChairman

An engineer by training, Ajai Chowdhry is one of the six founder members of HCL and took over the reins of HCL Infosystems, the flagship company of the group, as President and CEO in 1994. He was appointed the Chairman of HCL Infosystems in November 1999. In recognition of his contribution in championing the cause of the domestic Indian IT industry, Ajai has been conferred the DATAQUEST ‘IT Man of the Year 2007’ Award amongst other awards. He has been conferred Padma Bhushan by the President of India for his outstanding contribution to the industry and also felicitated with ‘Honoris Causa Doctorate’ of Science for his contribution to the Indian IT Industry by IIT Roorkee

HARSH CHITALECEO

Harsh Chitale joined HCL Infosystems as Chief Executive Officer in 2010 and heads the overall business strategy and operations of HCL Infosystems. He brings a wealth of experience as a senior business leader with rich business management experience in both Indian and global companies. Harsh is a recipient of the Director’s Gold Medal at IIT Delhi, from where he completed his Electrical Engineering.

J V RAMAMURTHYPresident and Chief Operating Officer

J V Ramamurthy is President and Chief Operating Officer, HCL Infosystems Ltd. He brings 3 decades of diverse Industry experience and leadership to the company. A technocrat and a man of broad vision, he has spearheaded company’s entry into number of new verticals and partnerships.

SANDEEP KANWARCFO & EVP

Sandeep Kanwar joined HCL in 1988 and in a span of eight years progressed to the position of Chief Financial Officer at the young age of 35. He is well respected amongst colleagues & customers for his financial acumen and management skills.

Vision and Mission

VisionA global corporation enriching lives and enabling business transformation for our customers, with leadership in chosen technologies and markets. Be the first choice for employees and partners, with commitment to sustainability.

Mission

We enable business transformation and enrichment of lives by delivering sustainable world class technology Products, Solutions & Services in our chosen markets thereby creating superior shareholder value.

Key Differentiators of HCL

HCL strongly believes in the power of relationships and partnership

No matter the size of your business, partnering with HCL Infosystems will help you succeed. Leveraging over three decades of experience in total technology solutions, it’s our commitment to help you be as successful as possible.

It provides you access to HCL’s innovative technologies, marketing strategies and value added services. By working on every aspect of the ICT industry, it has the experience to create world class products and services to help you give the best to your customers.

Advantage HCL

HCL's labs - Pioneers in design, development and building ICT products India's largest Hardware, System Integration, Networking Solutions & Distribution Company 3 decades of expertise in technology solutions Partners with leading global players to provide the best of solutions to end users The largest manufacturer of PCs and Laptops in India Largest direct sales, digital lifestyle product distribution and retail network Extensive service network that reach out to 4,000 towns

Benefits from a Proven Commitment from HCL Infosystems

At HCL Infosystems, partnerships are lifelong relationships that mutually benefit each other. It can help to enhance your business and reap the rewards of our mutual success.

It offers differentiated technology and dedicated service support infrastructure as per the needs and requirements of your customers. It provides technology specializations that map to areas of significant business growth for your business and your customers.

Reliable IT Backbone

In a world where the right technology infrastructure is a prerequisite, we offer a reliable IT backbone to our partners. HCL combines technical innovation with built-in reliability to keep your business running. It provides a one stop shop for meeting end-to-end IT requirements, thus offering a smooth ICT management.

Additionally, it offers industry leading technology, designed to deliver a price to performance advantage to help you provide increased benefits to your customers. Their high-quality products and services give you means to work in a smarter way and be more productive and competitive.

Differentiated Product Access

At HCL they understand that different customers have different needs. It has constantly innovated to offer a range of products to cater to different requirements of the customers.

It has pioneered the home PC market of India - It designed India’s first Multimedia-enabled Beanstalk Media Centre PC for home users; it has developed Ezeebee and Busybee PCs and ME Laptops for personal productivity. Whether gaming, enjoying music or movies or connecting to the Internet, these systems offer ease of use that transcends to greater performance and more satisfaction for the individual user for work or home.

It brings this exciting range of Desktops and Laptops through our vast network of neighborhood partner outlets for buying convenience of the customers. Further these products are backed by HCL’s 24X7 Consumer Support Helpline.

Enterprises have unique needs for their computing platforms and HCL’s range of business Desktops and Laptops come with unique features that enhance productivity while reducing TCO. For their Enterprise & SMB customers who buy directly from us, or through Enterprise Rate Contracts or through our vast network of Strategic Business Partners it offers customized built to order range of ME Business Laptops and Infiniti Desktops.

Leveraging on three decades of expertise in total technology solutions, HCL business Desktops and Laptops offers increased security, ultra-efficient manageability and maximum productivity for a smart business landscape.

HCL's manufacturing facilities are ISO 9001 - 2000 & ISO 14001 certified and adhere to stringent quality standards and global processes. HCL Desktops and Laptops are manufactured and marketed specially to withstand unique Indian terrain and conditions. HCL commits to manufacture “Green” PCs and Laptops that are RoHS compliant and adhere to stringent environment management standards. As market leaders in ICT arena we offer our partners the best of options.

Unparallel Support

When the situation calls for it, it can help you with our dedicated 24X7 HCL Touch service network. You can benefit from services offered through our offices in 170 cities, 505 points of presence, reaching 4,000 towns.

Pre- and post-sales support from HCL specialists makes identifying the best solution for each sales opportunity even more predictable. This allows for their shared quest for excellence and commitment to serve customers better.

Extensive Marketing Support

HCL has closely seen the IT industry rise from scratch, and has actively participated in its progress. It has picked up valuable marketing lessons in serving the IT needs of the Indian customers. You can combine your individual strengths and reputation with the power of a global brand.

It can help you to focus on some of the most critical marketing needs facing your business. Additionally, it can provide you a set of proven sales and marketing tools designed to help you generate new leads, increased demands for products and services and help you reach your business goals.

Alliance & Partnership

To provide world-class solutions and services to all our customers, it has formed Alliances and Partnerships with leading IT companies worldwide.

HCL Infosystems has alliances with global technology leaders like Intel, AMD, Microsoft, IBM, Bull, Toshiba, Nokia, Sun Microsystems, Ericsson, NVIDIA, SAP, Scansoft, SCO, EMC, Veritas, Citrix, CISCO, Oracle, CA, RedHat, Infocus, Duplo, Samsung and Novell.

These alliances on one hand give them access to best technology & products as well enhancing their understanding of the latest in technology. On the other hand they enhance their product portfolio, and enable them to be one stop shop for their customers.

Philosophy of Quality

"We shall deliver defect-free products, services and solutions to meet the requirements of our external and internal customers, the first time, every time."

To exist as a market leader in a globally competitive marketplace, organizations need to adopt and implement a continuous improvement-based quality policy one of the key elements to HCL's success is its never-ending pursuit of superior quality in all its endeavors.

HCL INFOSYSTEMS believes in the Total Quality Management philosophy as a means for continuous improvement, total employee participation in quality improvement and customer satisfaction. Its concept of quality addresses people, processes and products.

Over the last 32 years, it has adapted to newer and better Quality standards that helped us effectively tie Quality with Business Goals, leading to customer and employee satisfaction.

Quality at HCL Infosystems Ltd

The history of structured quality implementation in HCL Infosystems began in the late 1980s with the focus on improving quality of its products by using basis QC tools and Failure Reporting and Corrective Active Systems (FRACAS). It also employed concurrent engineering practices including design reviews, and rigorous reliability tests to uncover latent design defects.

In the early 90s, the focus was not merely on the quality of products but also the process quality systems. Their manufacturing unit at NOIDA was certified initially to ISO 9002:1994 by Bureau Veritas Certification in 1994 and later on to ISO 9001:1994 in 1997. As of now, all our manufacturing units are certified by Bureau Veritas Certification as per ISO 9001:2000 and ISO 14001: 2004

In early 1995, a major quality initiative was launched across the company based on Philip B. Crosby's methodology of QIPM (Quality Improvement Process Management). This model was selected to because it considered the need and commitment by an organization to improve but more importantly, the individual's need towards better quality in his personal life.

Under their Quality Education System program, they train our employees on the basic concepts and tools of quality. A number of improvement projects have been undertaken by their employees, whereby process deficiencies and bottlenecks are identified, and Corrective Action Projects (CAPs) are undertaken. This reduces defect rates and improves cycle times in various processes, including personal quality.

They have received MAIT's 'Level II recognition for Business Excellence' for their initiatives in the Information Technology Industry, adding another commendation to their fold. MAIT's Level II recognition is based on the 'European Foundation for Quality Management' (EFQM), for gaining quality leadership and business competitiveness.

Their certifications / awards in 2003 include ISO 9001-2000 by Bureau Veritas Certification for our Info Structure Services and award of First Prize by ELCINA (Electronic Component Industries Association) for Quality, 2002-03. The ELCINA award criterion considers two aspects. (1) Enablers (Leadership & Management commitment, Resource Management, Product Realization, Measurement Analysis & Improvement) and Results (Product Quality, Customer / Stake holder satisfaction , Business results).

The tryst for continuous quality improvement is never-ending in HCL Infosystems. They always strive to

maintain high quality standards, which help us fulfill our mission to provide world-class information technology solutions and services, to enable our customers to serve their customers better.

Manufacturing

HCL's computer hardware manufacturing plants include 4 facilities, 2 at Pondicherry, 1 at Chennai & 1 at Uttaranchal.

The plant located in Pondicherry are situated 165 kms south of Chennai on the coast of the Bay of Bengal with proximity to Chennai Air/Sea port, special policies for Industries of local Govt, , Inland Container Depots, attractive power and labour rates - makes Pondicherry an ideal place for business. Started in 1996 - with only Unit 1 - it now has 4 Units with a built up area of 4, 19,000 sq. ft. The infrastructure is state of the art, one of the best & largest in India.

All 3 factories are ISO 9001:2000 and ISO 14001, ISO 13485:2003, TS 16949-2002 TUV-Accredited certified. PMO was also Awarded MAIT Level 2 - by European Foundation for Quality Management in the year 2001. HCL was also awarded ELCINA's (Electronic Component Industries Association) Quality Award for the year 2002- 2003.

HCL Infosystems Ltd. Pondicherry, Uttarakhand, and Noida Manufacturing Units now ISO 9001:2008 Certified

State of the art IT systems in MRP, ERP, Online configurations enables this latest unit of HCL (Rudrapur) to leverage the power of IT in delivering optimum efficiency. The plant is networked & online with HCL branch and head offices. The Pondicherry plant has its own Product Engineering Group (PEG) and R&D teams constantly engaged in developing new products and solutions. Driven by a strong manufacturing objective, HCL promises to deliver defect free products, services and solutions to meet the requirements of its external and internal customers, right from the commencement of the relationship.

Driven by a strong Manufacturing Objective

"WE SHALL DELIVER DEFECT-FREE PRODUCTS, SERVICES AND SOLUTIONS TO MEET THE REQUIREMENTS OF OUR EXTERNAL AND INTERNAL CUSTOMERS, THE FIRST TIME, EVERY TIME."

All processes in the manufacturing are aligned to this guiding objective. A strong emphasis of "Quality by Process" is ensured across all processes. The products manufactured here undergo stringent tests that ensures their ruggedness & durability , which may be deployed anywhere in India and may have to face severe conditions like - heat , humidity , rough transportation & handling .Our products undergo drop tests , hot & cold temperature chamber , client-site simulation tests , reliability tests et al .

Computers are shipped to locations all over India with an extensive network of professional logistic support partners. There is also a Customer satisfaction cell, in plant, to take care of problems reported from field.

Customers, sales & marketing, support personnel, dealers & distributors are encouraged to visit the plant to see, for them, what all goes in making a quality computer system.

Products

Computing Products

Offering an entire range of Computing Products for Corporate, Businesses and Small to Large Setups.

Office Automation Imaging & Printing Solutions

Introducing world class imaging products and solutions to meet business requirements.

Display Products

Introducing great display products that you would love setting your eyes on.

Office Automation Telecom & AVSI Solutions

Introducing world class telecom products and AVSI solutions to meet business requirements.

Storage Solutions

Offering an entire range of storage solutions.

Office Automation Document Management Solutions & System Integration

Wide Range of turnkey solutions which cater to the requirement of Document Management, Homeland Security & Vehicle Tracking.

Software Licenses

Enjoy benefits of genuine software licenses through HCL Infosystems.

Networking Products

Enjoy fast data transfer with our exclusive range of Networking Products.

POS, KIOSK, Customer Service Counter Products

Offering an entire range of POS products and solutions.

Digital Lifestyle Products & Solutions

Offering an entire range of Digital Lifestyle Products and Solutions for entertainment and business.

Racks & Enclosures

HCL offers a comprehensive range of 19â€ racks with standard accessories for Computer networking �applications and IP Enclosures of all standards.

Software Solutions

Bringing to you world class software solutions.

Awards & Accolades

HCL Infosystems has been acknowledged and rewarded for its support, innovative products and solutions and dedication countless times. Listed below is an up to date list of rewards and recognitions that HCL Infosystems has won till date.

Mr. Ajai Chowdhry has been conferred Padma Bhushan by the President of India for his outstanding contribution to the industry and also felicitated with ‘Honoris Causa Doctorate’ of Science for his contribution to the Indian IT Industry by IIT Roorkee.

HCL Learning wins BEST PUBLIC CHOICE AWARD - TOOL FOR INNOVATIVE TEACHING AND LEARNING for Dig school by World Education Summit 2011.

Ranked #1 in IDC-Dataquest Customer Satisfaction Survey 2011; Third year in a row.

HCL Infosystems awarded ‘Most Promising New Technology for Urban Applications’ at the Municipalika 2011.

Ranked 2nd in the latest Greenpeace Green Electronics Ranking.

HCL Green Data Center was awarded 1st Ever LEED Platinum Certification in India by US Green Building Council.

DQ - IDC ranks your company #2 Domestic ICT Company. The Company was also rated among Top10 ICT Companies in India.

Awarded Dun & Bradstreet Rolta Corporate Award under Computer Hardware and Peripherals Category.

ABOUT THE PROJECT

“MISSION JAGRITI” OR “MISSION CYBER POWER”

Hcl has recently launched a nationwide exclusive program "Mission Cyber Power", an initiative to provide HCL Desktops and Laptops at special discounted prices for Armed Forces personnel and their families with easy payment options in collaboration with State Bank of India.

With this move, the company aims to capture more market share by making PCs more affordable to the people.This is not the first time that HCL has joined hands with a bank for such a scheme. Earlier also there were similar tie-ups, but they were restricted only to a particular territory. But now with the present partnering, the company’s approach is more structured and looks to go national with PC financing.

This new venture will not only benefit the company, but also their partners since the sales are expected to go up, thus giving them good business.

GAIN FOR THE CUSTOMER

There are many benefits for the customer in this scheme, the major being availability of computers at a discounted price.

It is especially helpful for those who have less salary as they can avail this facility at a very affordable rate.

The key benefits of 'Mission Cyber Power' are:

Discounts upto Rs.4000/- on various desktop and laptop models Door step delivery anywhere in India Scheme applicable to both serving & ex-servicemen Pre-installed with genuine Windows 7 Operating System software with License and Media 24*7 helpline and product lifetime service support Payment in Easy Installments financed by State Bank of India No processing fee for loans and hassle-free documentation 2 years extended warranty MC Afee Antivirus free for 3 years Rs 900 discount on Tata Photon Internet data card.

HOW HCL MAKES PROFIT OUT OF THIS SCHEME No dealers so no outflow of commission No material stocking. Manufacturing on order. Sales increase due to availability of laptops at lower price. Increase in market share

Increase in demand due to excellent targeting. No advertisement cost Very less promotion cost

HOW SBI MAKES PROFIT Interest on personal loan is higher than the rate of interest on any other loan. Rate of interest here is

14.5% p.a for 3 years.

Increase in account holders-When the defense personnel wanted greater personal loan amount i.e. more than the price of the laptop then they required to have a dsp account in the same branch from where their loan was getting sanctioned. Hence many of them got their accounts transferred to this branch.

In order to extend the benefits of the program to all defense personnel, Hcl had requested the concerned authorities to allow them to carry out certain awareness programs and display certain posters and banners for this offer at prominent locations within their command area. In the process, they would also like to showcase their range of desktop PCs and laptops to the defense community which would help them understand the benefits of the products and the program better. Hcl would carry out all such activities at mutually agreed convenient time and locations.

Hcl sincerely believed that all Defense Personnel and their families would benefit immensely from the program and the high value proposition that accompanies it. Hence, they requested the authorities to kindly grant them permission for the same and help them integrate the latest technology into the lifestyle of the defense personnel and bring value to the community.

HCL gives the following after sales services

HCL Support & Service

Walk-in centers: Reaching out to over 4000 plus towns HCL Touch has 505 HCL owned and manned service locations across the country. Bring HCL service convenient and close to you. Multilingual remote support- 11 vernacular languages

All HCL Laptops come with a Standard Warranty that covers repairs or replacement of any defective part

during the warranty period in case of any genuine failure of the parts. HCL also extends the warranty to reinstallation of all pre-loaded software.

HCL Touch 24*7*365 days support *

With HCL Touch you are just a call away; anytime, anywhere. HCL Touch 24*7 Response center provides you a ticket number and registers your support request on HCL Laptops. HCL Touch provides you the convenience of remotely solving your problem through an experienced team of technical experts. These experts in the hardware and software fields will access your Laptop over secure links and remotely diagnose and resolve the problem. This service is available 24 hours a day; further HCL Touch has the facility to provide support in 11 vernacular languages of our country.

HCL Touch Bring-in Support/Walk-in Support *

HCL Touch caters to over 4000 towns pan India with a footprint of Company owned brick and mortar offices in over 505 locations. These HCL Touch service centers are a direct company owned walk-in points for customers.

HCL Touch Data Security *

Your HCL Laptop contains your precious data and personal information. With HCL touch you are assured that you are handing over your HCL Laptop into the trusted hands of HCL employees at company owned outlets. Robust processes implemented at HCL Touch assure you that your data is in safe hands and safely returned to you.

HCL Touch Onsite support *

HCL Touch onsite support offers you the convenience of Onsite support at your office or at home. This service is available pan India, where the service engineer will visit customer site for repair and maintenance of your laptop. Option of Express service and delivery is also available with HCL Touch in select towns

HCL Touch Pick and drop facility *

HCL Touch offers customers the option of pick and drop of their HCL Laptops for repair and maintenance across the country

HCL Touch Data Recovery *

Depending on customer’s requirement, HCL Touch can

Restore deleted files Repair corrupted files Recover data from crashed/corrupted hard disk and corrupt partitions Recover data loss due to Accidental formatting, Recover data loss due to Virus corruption, Recover data loss due to OS corruption, Recover data loss due to Database corruption, Repair damages due to handling and power fluctuations

HCL Touch Anti-Virus *

HCL Touch undertakes installation, cleaning and up-gradation of antivirus software. Customer care specialists guide customers for online purchase from antivirus portals and assist them through installation. HCL can undertake the process through physical handing over of HCL Laptops at any of the service centers for those not very comfortable with technology

HCL Touch Tracking services *

Under this unique service offered by HCL Touch ensures that the customer is automatically updated through an SMS/email against theft or unauthorized access of HCL Laptops

HCL Touch Health check *

HCL believes in “prevention is better than cure” and recommends regular checkup of HCL Laptops for optimizing performance, and screening against security threats. This service is available both as a remote support or onsite service. You can also undertake the health check up by physically handing over the HCL Laptop to any of the 505 service locations.

HCL Touch Fortressing *

Under the HCL Touch fortressing services specialized HCL Touch engineers study the general condition of the HCL Laptop of the customer - performance, fine tuning and up-gradations required for better performances and help customers to install Anti-spam, Anti-virus and personal firewall software.

HCL Touch Operating System and software support *

HCL Touch will assist customers on re-installing, maintaining and repairing of pre-loaded licensed OS/software in HCL Laptops at the time of purchase.

Data card/broadband support *

To avoid any issue related to compatibility of broadband and data cad connections, HCL Touch assists customers in configuring the system to the available broadband and data card connections.

Automatic data backup *

HCL Touch assists customers by configuring remotely and taking a backup of data in the system.

Comparison of sales of June 2012 –July 2012

33%

67%

Sales

1st Month2nd Month

ANALYSIS:

1. The comparison of sales of June 2012 and July 2011 shows that 5 computers have been sold in June and 10 computers have been sold in July.

2. This pie chart shows that the sales have been higher in July than in June.

Comparison of sales of Laptops and Desktops in June and July.

20%

13%

40%

27%

Sales

Laptops in juneDesktops in juneLaptops in julyDesktops in july

ANALYSIS:

1. The comparison of sales of Laptops and Desktops in June and July show that only 2 desktops were sold in June whereas 3 laptops were sold in June.

2. The comparison of sales of Laptops and Desktops in July show that 4 desktops were sold in July and 6 laptops were sold in July.

3. This pie chart shows that sales have been higher in July than in June.

About Personal loan

With a lot many lenders on the block willing to offer their loan services to all, applying for a loan nowadays, is no longer a problem. Gone are the days when you had to wait to buy something or go out and do what you wanted to, because a hassle free and available to all personal loan is now no more a dream, but a reality.

Today, various loans are available in the market to suit individual needs of the people. In Personal Loans as well, different types of loans are available. They can serve you well in your financial limitations while making your living better. No delay should be done in availing a loan especially when it suits your financial situation and can be available to you in a desired time.

• Usually obtained to finance a large purchase

• Has a specific repayment schedule

Sources of loans

Commercial banks, savings institutions, finance companies, credit unions, some automobile manufacturers, friends, or family members.

Types of Personal Loan

Secured Personal Loan

Secured personal loans can only be obtained by a borrower after keeping an asset such as real estate property, car or jewelry as collateral with the lender. These kinds of loans help the lenders make sure that they will get their money back, and hence they approve and provide the loans for any amount of money with more security. Other than that, the approval of the loan application also depends a lot on the borrower’s credit history, his

current monetary position, his current employment status and the obtainable equity in the deposited collateral.

Unsecured Personal Loan

Unsecured personal loans are one of its kind loans which do not ask you for depositing any valuable as security, while serving your financial purpose rightly as well. These loans suit the purpose of those borrowers well who do not want to keep their valuables with someone.

The personal loan process

Application process

• Personal balance sheet

• Personal cash flow statement

Loan contract: a contract that specifies the terms of a loan, as agreed to by the borrower and the lender

• Amount of the loan

• Interest rate

Loan repayment schedule

• Amortize: to repay the principal of a loan through a series of equal payments

• Each payment includes part of the principal and part of the interest

Maturity: the life or duration of the loan

• Longer maturity equals lower payments, but more interest is paid over the life of the loan

Collateral: assets of a borrower that back a secured loan in the event that the borrower defaults

• Secured loan: a loan that is backed or secured by collateral

• Unsecured loan: a loan that is not backed by collateral

• Payday loan: a short-term loan provided in advance of a paycheck

Cosigning is sometimes required if credit history is weak

Simple interest: interest on a loan computed as a percentage of the existing loan amount (or principal)

Size of payment depends on size of loan, interest rate and maturity

The higher the interest rate, the higher the payment

The longer the maturity, the lower the payment

About Computer Loan Approval and Disbursement

According to this scheme any defense salary account holder could either purchase the laptop or desktop on cash or on loan from State Bank of India. The loan is granted for a maximum period of 3 years @14.5%p.a interest rate.

According to this scheme Personal Loan is granted for the amount of computer and above that till Rs 1, 49,000 without guarantor and from Rs1, 50,000 onwards to the eligible amount with a guarantor.

Documents required

Documents to be submitted by customers for loan approval

Serving certificate PAN card photo copy Latest 3 months pay slip (if not then salary certificate) Passbook photo copy (updated for last 3 months) 2 passport size photograph Rs100 stamp paper 5 blank postdated cheques for security purpose

Other documents required for loan approval Loan application form Opinion report

Sign of an officer on an enquiry form “Swadhan” SBI Life Insurance form Appraisal Memorandum Control forms Arrangement letter Irrevocable letter of authority Standing Instruction Loan Agreement CIBIL letter PDC forms Credit Scoring

The Important points to be considered for the sanction of loan:-

1) According to the new software EMI/NMI<=49%2) According to the old software (EMI+Deductions)/NMI<=49%3) Credit Scoring should be above 51

This is calculated on the basis of

a) Length of relationship with the bank

b) EMI/NMI ratio

c) Qualification of the applicant

4) The applicant should have good relationship with the bank.

For the disbursement of loan following receipts were required

1) 4 debit slips2) 2 Pay in slips3) 2 HCL invoice4) Swadhan invoice5) Commission note

The Input Sheet for loan approval

STATE BANK OF INDIA Address

Golibar Maidan Branch namePUNE 411001 Place & Pin Code

Category of the Centre Semi Urban

Appraiser Name :

Sanctioning Authority Branch Manager Name :

Address of the Controllers Asstt Gen Manager

Address of LHO

SHARDA CHAMBERS , SHANKAR SHETH ROAD, PUNE

State Bank of IndiaAdmin Office Region IPUNE

CLICK -TO KNOW ABOUT XPRESS CREDIT - ODSCHEME XPRESS CREDIT Type of facility : DL

CLICK HERE TO KNOW ABOUT THE SCHEME

Name

Father's / Husband's name Father

Whether spouse is a joint borrower?

Name Smt. PUSHPATAI KAMLAKAR SABLEHusband KAMLAKAR SABLE

Date of Birth 23 March 1976

Age [completed years] Years 36 Years

Educational Qualifications Graduate

Occupation Service

Department RTO

Designation CLERK

Category of the Designation Others

Category of the OrganizationName of the Organization / Unit RTOPlace PUNE

Length of service in present job Years 9 Years

Address

Sources of Income SALARY

Proof of Income

Gross Income Rs. Rs. 9694

Deductions Rs. Rs. 1735

Other Income[Pl. mention sources below] Rs. Rs.

Net Rs. Rs. 7959

Whether spouse's income is also considered for repayment & guaranteed by spouse?

Spouse's Income [Gross] Rs.

Deductions Rs. 0 Net Rs.

AGGREGATE NET MONTHLY INCOME Rs.

No. of Dependents / Children

Owning a house? Own [Not mortgaged]

Has phone?

Owning vehicle?

IF THE ANSWER IS 'YES', NEXT CELL CAN NOT BE BLANK!Net Assets [Total Assets-Total Liabilities] Rs. Rs. 100000[Item No. 15-16 of Application form]

Banking with SBI / Account with SBI YESNature of account Savings Bank A/c.Account Number [SB] 11099687609

Whether salary is being credited at Branch? YES

Existing Loans [SBI / Others]

Monthly Instlmt.

Facility DP O/s. Status[Please key in the details of loan [s] below :]

Sbi

TOTAL Monthly Repayment for existing loansComments on existing loan[s]

Purpose of the proposed Loan

Amount of loan applied Rs. Date of application : -2011

Amount of loan recommended Rs. Max. loan eligible is Rs

Rupees thirty thousand only

Rate of Interest 14.50% SBAR 10.00%CLICK HERE TO KNOW ABOUT RATE OF INTEREST

Period of repayment [Number of months] months

Monthly repayment [Amount of EMI] w.e.f.

0

0CLICK HERE TO KNOW ABOUT CHECK OFF /

PDCsMode of repayment

Personal Guarantee

Father's / Husband's name

Address of the Guarantor

Phone No.46451

Occupation of the Guarantor

Account No.

Net worth of Guarantor Rs.

In case the applicant is already havingPersonal Loan / Xpress Credit, date of

CARE! RENEWAL IS PERMISSIBLE ONLY AFTER 24 MONTHS! SEPARATE LOAN CAN BE SANCTIONED, IF EMI / NMI RATIO IS NOT MORE THAN 50%

sanction of the existing loan :

Recommendations / General Remarks

The proposal complies with all the terms and conditions governing XPRESS CREDIT Scheme. The proposal is a fair banking risk.

Loan Amortization Schedule

pv 30000 for 3 yearspmt 13030.49 (pmt function)fvrate 14.50%nper 3type 0

Term(years) Loan amt EMI Interest Principal Payment Remaining balance1 30000 13030.49 4350 8680.49 21319.512 21319.51 13030.49 3091.329 9939.16 11380.343 11380.34 13030.49 1650.15 11380.34 0.00

pv 30000 For 36 monthspmt 1032.629 (pmt function)fvrate 14.50%nper 3

Loan amount EMI Interest Principal repayment Remaining balance30000 1032.629 362.5 670.129 29329.871

29329.871 Err:522 354.4026 678.227 28651.64428651.644 Err:522 Err:522 Err:522 Err:522

Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522Err:522 Err:522 Err:522 Err:522 Err:522

ANALYSIS OF THE PROJECT

1. No of laptop or desktop soldi) Laptopsii) Desktops iii) Tablets

9

6

Sales

LAPTOPSDESKTOPSTABLETS

ANALYSIS:

1. Out of the total sales during the tenure 9 were laptops and 6 desktops.2. This pie chart shows that the demand for laptops is higher than the traditional desktop.

2. Budget for the purchasei) 20000-25000 ii) 26000-30000 iii) 31000-40000 iv) Above 40000

ANALYSIS:

1. Out of the total sales during the tenure 3 computers were with the budget of 20000-25000, 5 computers with budget of 26000-30000 and 5 with budget of 31000-40000.

2. This bar chart shows that the demand for computers with budget of 26000-30000 is almost same as that with budget of 31000-40000 and they are both higher than the budget of 20000-25000 and that above 40000.

20000-25000 26000-30000 31000-40000 ABOVE 40000

Sales 3 5 5 0

0.5

1.5

2.5

3.5

4.5

5.5

Sales

3. Purpose of buying the laptop/desktopi) Official ii) Education iii) Personal iv) Family

7%

33%

7%

53%

Sales

OFFICIALEDUCATIONPERSONALFAMILY

ANALYSIS:1. Out of the total sales during the tenure 8 computers were sold for family purpose, 1 for

personal and 1 for official purpose and 5 for education purpose. 2. This pie chart shows that the demand for laptops because of family need is higher than for

personal and official need.

4. How did they come to know about this scheme?i) Print media ii) Electronic media iii) Hoardings iv) Word of mouth

33%

7%

60%

Sales

Print MediaElectronic MediaHoardingsWord Of Mouth

ANALYSIS:

3. Out of the total sales during the tenure it was found that 9 sales were due to word of mouth, 5 due to print media, 1 due to hoardings and none due to electronic media.

4. This pie chart shows that the most effective advertisement strategy was word of mouth, then print media and then hoardings.

HARDWARE ORIENTED

5. The RAM they preferredi) 1 GB ii) 2 GB iii) 3 GB iv) 4 GB

1GB 2GB 3GB 4GB0

1

2

3

4

5

6

7

8

9

10

Series 1

Series 1

ANALYSIS:

1. Out of the total sales during the tenure it was found that 9 computers were sold with 4GB RAM, 5 with 2GB RAM, 1 with 3GB RAM.

2. This column chart shows that the demand for computers with 4GB RAM is highest, then is the demand for 2GB RAM computers, and then 3GB RAM computers.

6. The space preferred for their Laptop/Desktopi) 320 GB ii) 500 GB iii) 750 GB iv) Above 750 GB

320 GB 500 GB 750 GB ABOVE 750 GB0

1

2

3

4

5

6

7

8

Series 1

Series 1

ANALYSIS:

1. Out of the total sales during the tenure 7 computers were sold with 750GB HDD, 6 with 320GB HDD and 2 with 500 GB HDD.

2. This column chart shows that the demand for computers with 750GB HDD is higher than that of 320 GB HDD and of 500 GB HDD .the demand for computers with above750 GB HDD is zero.

7. The screen size they preferredi) 14 inches ii) 15.6 inches iii) 18.5 inches

14 inches 15.6 inches 18.5 inches0

1

2

3

4

5

6

7

8

Series 1

Series 1

ANALYSIS:

1. Out of the total sales during the tenure 7 computers could be sold with 14 inches screen size, 6 with 18.5 inches and 2 with 15.6 inches.

2. This column chart shows that the demand for computers with 14 “screen size is the highest, 2nd being the demand for 18” and the least being the demand for 15” screen size.

8. Graphic card preferredi) 1GB ii) 2GB iii) Above 2 GB

1GB 2GB Above 2 GB0

2

4

6

8

10

12

14

16

Series 1

Series 1

ANALYSIS:

1. Out of the total sales during the tenure 15 computers were sold with 1 GB graphic card and none with 2 GB and above 2 GB.

2. This column chart shows that the demand for computers is higher with 1 GB graphic card than that of 2 GB and above 2 GB graphic card.

9. Color preferredi) Black ii)Blueiii) Others

Black Blue Others0

2

4

6

8

10

12

14

16

Series 1

Series 1

ANALYSIS:

1. Out of the total sales during the tenure 15 computers were sold of black color and 0 of blue.

2. This column chart shows that the demand for computers with black color is higher than blue or any other color.

10. Processor they optedi) Intel core 2 Duo ii) Intel i3 iii) Intel i5 iv) Intel i7

Intel core 2 duo Intel i3 Intel i5 Intel i70

1

2

3

4

5

6

7

8

9

10

Series 1

Series 1

ANALYSIS:

1. Out of the total sales during the tenure 3 computers were sold with i5 processor, 2 with Intel core 2 duo, 10 with i3 and 0 with i7 processor.

2. This column chart shows that the demand for laptops with i3 is the highest and i5 and core 2 duo are almost same.

SOFTWARE ORIENTED

11. Preferred operating system?i) Windows 7 (HOME BASIC) ii) Windows XP

Windows 7 Windows XP0

2

4

6

8

10

12

14

16

15

0

Series 1

Series 1

ANALYSIS:

1. Out of the total sales during the tenure 15 computers were sold with windows 7 operating system and none with xp.

2. This bar chart shows that the demand for laptops with windows 7 operating system is higher than than that with xp.

12. Additional software preferred?i) Antivirus ii) VLC Media player iii) Photoshop iv) Adobe reader

Antivirus VLC Media Player Photoshop Adobe Reader0

2

4

6

8

10

12

14

16

Series 1

Series 1

ANALYSIS:

1. Out of the total sales during the tenure it was found that in additional software 15 of them preferred antivirus,5 of them preferred VLC media player,0 of them preferred Photoshop and 7 of them preferred adobe reader.

2. This bar chart shows that in additional software the demand for antivirus is highest, 2nd being Adobe Reader, and very less for VLC and Photoshop.

13. The most important attribute that mattered?

i) Processorii) Memoryiii) After sales serviceiv) Screen Sizev) Instant delivery

Processor

Memory

After Sale Service

Screen Size

Instant Delivery

0 1 2 3 4 5 6

Series 1

Series 1

ANALYSIS:

1. Out of the total sales during the tenure 3 computers were sold processor being the most important attribute,2 due to memory,6 due to after sales service,1 due to screen size and 3 due to instant delivery.

2. This column chart shows that the most important attribute that contributed to the sale was after sales service, 2nd being processor and instant delivery, 3rd being memory, and the least important attribute was screen size.

14. The place of delivery of the desktop/laptop?i) Home ii)Elsewhere

Home Elsewhere0

2

4

6

8

10

12

14

Series 1

Series 1

ANALYSIS:

1. Out of the total sales during the tenure 13 computers were sold with delivery at home and 2 with delivery elsewhere.

2. This bar chart shows that the demand for computers with delivery home is higher than that of computers with delivery elsewhere.

15. The offer that attracted them the most?

i) Cash discount ii) Extended warranty period iii) Provision for loan

Cash Discount Extended Warranty Period

Provision of Loan0

1

2

3

4

5

6

7

8

Series 1

Series 1

ANALYSIS:

1. Out of the total sales during the tenure 8 computers were sold due to cash discount, 2 due to extended warranty and 5 due to provision of loan.

2. This bar chart shows that the offer that attracted the sales most was the Cash Discount, 2nd due to Provision of Loan, 3rd due to extended warranty.

LOAN RELATED QUESTIONS

16. Method of payment?i) Cash ii)Loan

Cash Loan0

2

4

6

8

10

12

14

Series 1

Series 1

ANALYSIS:

1. Out of the total sales during the tenure 3 computers could be sold on cash and 12 computers on loan

2. This column chart shows that the demand for loan method of payment is higher than the cash method of payment.

17. Amount of loan taken

i) 20000-50000 ii) 50000-80000 iii) 80000-110000 iv) 110000-above

20000-50000 50000-80000 80000-110000 110000-above

Series 1 9 0 2 4

0.5

1.5

2.5

3.5

4.5

5.5

6.5

7.5

8.5

Series 1

Axis Title

ANALYSIS:

1. Out of the total loan sanctioned during the tenure 9 loans were sanctioned ranging from 20000 to 50000, 0 from 50000-80000, 2 from 80000-110000 and 4 above 110000.

2. This bar chart shows that maximum loans were sanctioned for the loan amount ranging from 20000-50000, somewhat less for 110000-above least for 80000-110000 and nil for amount ranging 50000-80000.

18. Is the loan taken for other purpose also?

i) Yes ii) No

Yes No0

1

2

3

4

5

6

7

8

9

Series 1

Series 1

ANALYSIS:

1. Out of the total loans sanctioned 6 loans were sanctioned for other purpose alongwith computer purchase and 9 loans were sanctioned for only computer purchase.

2. This column chart shows that majority loans were sanctioned for only computer purchase and fewer loans were sanctioned for other purpose as well.

Conclusion

According to the research and analysis done on this project i could conclude by saying that this project is a great success.

HCL has done excellent targeting. There is high demand of ME brand HCL computers in this segment. Tie-up with SBI has helped customers in easy financing. SBI is a trusted name and people easily go for loan from here.

It is equally beneficial for both SBI and HCL Infosystems Ltd as they both are making high profits from this scheme.

Through this project I could conclude that since there is high demand for this scheme HCL has a lot of scope to increase its market share and sales if more awareness and promotion strategies are adopted. It can also increase its sales by slight changes in its schemes in frequent intervals.

On the loan approval and disbursement part it can be seen that it is very Profitable for SBI as they are getting quite a high interest as compared to other loans and there is almost no risk of recovery of the loan. The EMIs are being deducted from the defense salary package accounts which cannot be defaulted as it is under the Central Government.

Therefore according to me since total value is increasing hence this tie-up should continue with continuous improvement in the scheme to attract more sales.

Recommendations

On sales part

HCL can increase the customer base within the same segment through more promotion and awareness campaigns.

The scheme should be continuously revised and new changes should be brought to attract more customers.

After sales service should be further improved. Some of the stock can be kept for display so that customers can get a feel of the product. Since low salary package defense personnel’s were the major customers who had very little

idea of the usage of computers hence a small initiative can be taken from the company to provide computer education to these defense people so that they can use the product in a better manner. This will result in lesser issues and complains from the customers.

Attractive gifts should be offered on festive seasons.

On loan approval and disbursement part

The time taken to disburse the loan should be further reduced. Once the loan is approved it should not take time to disburse the loan.

The repayment period can be reduced from 3 years to 2 years. It can help in faster recovery of loan.

More awareness about this scheme among the employees of SBI.

Bibliography

Books

Financial Modeling-By Simon Beninga-3rd Edition for loan amortization

Principles and Practices of Banking-IIBF Imprint: Macmillan Publishers India, Copyright: 2008 for loan management.

Marketing Management –By Philip Kotler,Kevin Lane Keller, Abraham Koshy and Mithileshwar Jha-13th edition for principles of marketing

The Management and Control of Quality-By James.R.Evans and William.M. Lindsay for Total Quality Management

Websites

www.hcl.in

www.hclinfosystems.in

www.hclchannel.in

www.sbi.in

www.theloanbazaar.com

www.wikepedia.org

http://www.wikepedia.org/

http://www.theloanbazaar.com/

http://www.sbi.in/

http://www.hclchannel.in/

http://www.hclinfosystems.in/

http://www.hcl.in/

achal project

Documents

honoris causa

smruti ranjan

pie chart

bureau veritas

level ii recognition

special discounted

armed forces

chief operating