comparative study of public bank & private

7/28/2019 Comparative Study of Public Bank & Private

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Comparative Study Of Public Bank &Private Financial Institute In Context Of Auto

Loan And Home Loan

PRESENTED BY

DEEPAK SINGHIIIrd SEM.


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INTRODUCTION OF FINANCIAL

INSTITUTION

THESE ARE TWO TYPES

BANKING FINANCIAL CORPORATION

NON BANKING FINANCIAL

CORPORATION


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BANKING INDUSTRIES OF INDIARESERVE BANK OF INDIA Central Bank and Supreme Monetary Authority

Scheduled of Banking Sector

COMMERICAL BANKS CO-OPERATIVE BANK

Foreign Banks RegionalRural Banks

Urban cooperativeBanks

Public Banks Private Banks

OLD BANKS New Banks

State Banks ofIndia & Other Banks

Other Nationalized Banks

Statecooperative

Banks


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BANKING INTRODUCTION

Organized banking was active in India since the establishment of the general bankof India in 1786. RBI had undertaken an exercise to merge weak banks to strongbanks and the total number of banks, thus reduced from 566in 1951 to 85 in1969.

The traditional bank has an inherent tendency to crisis. This is because the bank

borrows short terms and lends leveraged long term

TYPES OF BANK

a) SCHEDULE BANK

b) NON SCHEDULE BANK


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MAHINDRA FINANCE

It is Indias leading non-banking finance companies focused onthe rural and semi-urban sector providing finance for utilityvehicles, tractors, home and cars with largest network of branchescovering these areas (Source: Association of Leasing and FinancialServices Companies, November 2005). It is a subsidiary ofM&M,a leading tractor and UV manufacturer with over 60 years

experience in the Indian market.

Business Description MAHINDRA FINANCIAL SERVICESLIMITED

(Originally incorporated as Maxi Motors Financial Services Limitedon January 1, 1991 under the Companies Act, 1956 as a publiclimited company and the name was changed to Mahindra &Mahindra Financial Services Limited on November 3, 1992).


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PRODUCT OF M&MFL

1. Personal Loans2. Home Loans3. SME Loans

4. Business Loans5. Loan Against Securities6. Healthcare Finance7. Loans Against Property

8. Microfinance9. Commercial Property Loans10. AUTO LOAN


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TYPES OF LOAN

SECURED LOAN

A) HOME LOAN

B) AUTO LOAN

UNSECURED LOAN

a) CREDIT CARDb) BANK O/D


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RESEARCH METHODOLOGY

TITLE OF THE STUDY

Comparative Study with special reference to Auto Loan & Home Loan AmongPublic Bank, Private Financial Institute & NBFC (ICICI, HDFC, SBI,Mahindra Finance & Fullerton India)

OBJECTIVE OF THE STUDY

To highlight the satisfaction level regarding products.

To know the perception regarding M&MFL and SBI products and services.

To gain familiarity with a phenomenon or to achieve new insights into it(Studies with this object in view are termed as exploratory or formulativeresearch studies)

To portray accurately the characteristics of a particular individual Situationor a group (Studies with this object in view are know as descriptive

Sample size

We have taken a sample size of 50 with non probability sampling


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METHOD OF DATA COLLECTION

PRIMERY DATA

A) QUESTIONNAIRE METHOD

B) PERSONAL INTERVIEW

SECONDRY DATA

A) WEB SITE INFORMATIONB) ANNUAL REPORT


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SWOT ANALYSIS

STRENGTH

Brand name.

Strong financial backup.

Good employees base.

Easily reachable.

First mover advantage.

WEAKNESS

More time consume in finance Processing.

More paper formalities are required.

Lack of awareness about the loan procedure.

Much hidden charges.

No fluctuation in EMI.


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SWOT

OPPORTUNITY

Convert brand name in to market share.

Provide more & smooth service to compete competitors.

Disposal income is increasing so try to get more customers.

Reduce hidden charges.

THREAT

More players in market.

Govt. policies

Economic condition

Interest rate varies More service given by new players


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RECOMMENDATION & SUGGESTIONS

The private & NBFC (M&MFL )Company should create good relations andcommunication.

Private & NBFC (M&MFL ) companies should collaborate to spreadawareness regarding the benefits of loans plans provided by the PrivateCompanies.

Agents have got maximum influence on customers. They are the one whointroduces the prospect to different loan products. So agents should begiven full-fledged training and the training should be strict.

They should provide option to increase or decrease EMI.

They should provide option if customer change city then they should not beget disturbed.

Customer should not demanded so much foreclosures. For the awareness, bank can used some of the following tools :-

Pamphlets can be distributed with the help of the newspaper hawkers andalsoat some crowded places.


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THANKYOU FOR

YOUR VALUABLE TIMEDEEPAK SINGH


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CONCLUSION

On the basis of my study, I conclude that, all the banks & non bankingfinancial companies are providing very good facilities to theircustomers in which M&MFL has good potential to retain thecustomer. M&MFL has good brand name as well they are providinggood interest rate with less paper formalities.

After that ICICI & M&MFL who have also great market share but lessthan M&MFL. They are also increasing the customer base for home& auto loan after giving different facilities from M&MFL & otherbanks Such NBFC.

At last but not the least M&MFL is superior than all banks.

comparative study of public bank & private

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