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“PERSONAL LOANS OFFERED BY PUBLIC
AND
PRIVATE SECTOR BANK”
BACHELOR OF COMMERCE
BANKING & INSURANCE
SEMESTER V
UNIVERSITY OF MUMBAI
ACADAMIC YEAR
(2010-2011)
SUBMITTED BY
MANALI .N. DONGRE
ROLL NO-40
S.S.& L.S. !ATKAR VARDE COLLEGE
OF ARTS" COMMERCE AND SCIENCE
GOREGAON (#EST)
MUMBAI-4000$2
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“PERSONAL LOANS OFFERED BY PUBLIC
AND
PRIVATE SECTOR BANK”
BACHELOR OF COMMERCE
BANKING & INSURANCE
SEMESTER V
SUBMITTED
I% !'* F+*,**% O, / '+'% F' / A3' , D5' ,
B6/*' O, C'6-B%7%5 & I%+'%6.
B8
MANALI N. DONGRE
ROLL NO-40
S.S.& L.S. !ATKAR VARDE COLLEGE
OF ARTS" COMMERCE AND SCIENCE
GOREGAON (#EST)
MUMBAI-4000$2
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S.S.& L.S. !ATKAR VARDE COLLEGE
OF ARTS" COMMERCE AND SCIENCE
GOREGAON (#EST)
MUMBAI-4000$2
CERTIFICATE
T/ 6',8 / S/'9M M%* N. D%5' ,
B.C.B%7%5 & I%+'%6 S' V (2010-2011) /
+66,+**8 6:* / :';6 % +%' / 5+%6 ,
/%'<* B .M. R.
C+' C-'%' !'%6:*
!';6 G+ 9 I%'%* E=%'
E='%* E=%'
ACKNOWLEDGEMENT
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I 7 / ::'+%8 =:' 8 5'+ !',. B.M.RAI" 8 !';6
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/ :';6.
T/ !';6 % !ERSONAL LOAN OFFERED BY !UBLIC & !RIVATE
SECTOR BANK /*: % <5 38 **3 7%3 '
<+ 8: , :'%* *%.
I% 7%5 / :';6" / %,'% / <% '3% /'+5/ %'%
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+%'% 3** % /% :'% <' 7 / !';6
+66.
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DECLARATION
I M M%* N. D%5' / +% , B.C. B%7%5 &
I%+'%6 S' V (2010-2011) /'<8 6*' / I />
6:* / :';6 % “!'%* L% O,,' <8 !+<*6 %
!'> S6' B%7@.
T/ %,'% +< '+ % '5%* / < , 8
7%3*5.
M%* N. D%5'
PERSONAL LOAN OFFERED BY PUBLIC
AND
PRIVATE SECTOR BANK
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INDEX
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Sr.no Topic P!"
No.
1 I%'+6% , B%7 1
2 T8: , B%7
L%
4 T8: , L%
!'%* L% ,,' <8 !+<*6 &
!'> S6' B%7
1
$ T8: , !'%* L% 14
• H L% 1
• C' L% 21
• !'%* *% 2
• E+6% L% 0
# C S+8 $
$ F* S+8 40
Bn%
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I%'+6%
A &n% ,%%6* %''8 / 66: : % 6/%%* /
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+':*+.
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T/ 3' bank 3 <''3 % M* E%5*/ ,' M* F'%6/
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6+%'. B%6/ 3' + 7 ' =6/%5 6+%' +'%5 /
R%%6 <8 F*'%% <%7'" 3/ + 7 /' '%6% :
7 6>' <8 5'% <*6*/.
'ISTORY OF BANKING
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B,' 3 *7 % / 7%8-5'8 , <%7%5 6' ','
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TYPES OF BANKS
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!UBLIC SECTOR BANK
!+<*6 6' <%7 ' / <%7 '+% +%' / 6%'* ,
5>'%% % /' :' > / 3*,' , / 5%'* :+<*6. A
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•
C%'* B%7 , I%
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CENTRAL BANK
C%'* B%7 5>'%%-3% <%7" % , / * %
*'5 6'6* <%7 % I% < % M+<. T/ <%7 6+''%*8 /
"1$ <'%6/ % 20 =%% 6+%' 6' 2 I%%
RESERVE BANK OF INDIA
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:'>*8" / <% 7% +: / G>'%% , I% >' %6" 3
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PRIVATE SECTOR BANK
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LOANS
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T1p"- o) Lon-
TYPES
OF
LOANS
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LOAN
UNSECURED
LOAN
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BANK RATES
Banks/Rates Used carLoan
(Reducing)
New CarLoan
(Reducing)
Processing fee
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Rs.!!!/"
HDFC Bank 1$% " 19% 1!.!% "11.#% Rs #9!/" toRs. 9!/"
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PERSONAL LOAN
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EDUCATION LOAN
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CASE STUDY
ICICI BANK PERSONAL LOAN
E*i!i&i*i,1 Cri,"ri )or ICICI P"r-on* Lon
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FIELD STUDY
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banks profit made on loans
ex: fixed deposits, recurring deposits, savings accounts
etc.
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BIBILOGRAP'Y
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!RINCI!LES OF BANKING
-DEENDAYAL SHARMA
INTERNATIONAL BANKING & FINANCE
-VI!UL !RAKASHAN
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