Final Thesis -- 2003 Format

8/8/2019 Final Thesis -- 2003 Format

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A study is a comparative study between DEUTSCHE Bank Ltd., with than of Kotak Mahindra Bank with regards

to Personal Loans

TABLE OF CONTENTS

DECLARATION

ACKNOWLEDGEMENT

Chapter Particulars

Abstract

Chapter 2 Introduction

2.1 Introduction about Bank

2.2 Loans

2.3 Personal Loans

2.4 Project Objective

2.5 Objectives

Chapter 3. Industry Profile

3.1 History & Introduction

3.2 Nationalization of Banks in India

3.3 Fact Files of Banks in India

3.5 Current Scenario

3.6 Banking Industry in India

Chapter 4. Company Profile of DEUTSCHE Bank Ltd.

4.1 Introduction

4.2 Main Functions of DEUTSCHE Bank Ltd.

4.3 Management and Organization

4.4 Milestones

4.5 Amalgamation of DEUTSCHE Bank into

Indian Institute Of Planning and Management Page 2


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DEUTSCHE Bank Ltd.,

4.6 Facts and Figures

4.7 Personal Loans

4.8 Different Products of DEUTSCHE Bank Ltd.,

Chapter Particulars

Chapter 5. Company Profile of Kotak Mahindra Bank

5.1 Introduction

5.2 Kotak Mahindra Bank in India

5.3 Network

5.4 Achievement of Kotak Mahindra Bank

5.5 Different Products of Kotak Mahindra Bank

Chapter 6. DEUTSCHE BANK Personal Loan Product

6.1 Targeted Customers, Eligibility &

Documentation of DEUTSCHE Bank Ltd.,

Chapter 7. Project Title

7.1 Research Methodology

7.3 Schedule

Chapter 8. Survey analysis and interpretations

Chapter 9. Findings

Chapter

10.

Suggestions

Chapter

11.

Conclusion

Chapter

12.

Bibliography

Books, Websites



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Chapter

13.

Annexure

Questionnaire

Chapter

14.

On - The- Job Training

13.1 Problem Definition

13.2 Task and Targets

13.3. Achievements

Declaration



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This is to declare that the report entitled A study is a comparative study between DEUTSCHE

Bank Ltd., and of Kotak Mahindra Bank with regards to Personal Loans is prepared for the

partial fulfillment for the award of post graduate programme in Planning & Entrepreneurship

from IIPM, Bangalore. Of the course: Dissertation in Term VIII (Batch: Aug. 2007-2009) of

the Post Graduate Program, is are cord of independent research carried out by me under the

supervision of Mr.Rakesh Gajaria.

I confirm that this dissertation truly represents my work. I also confirm that the contents of the

report and the views contained therein have been discussed and deliberated with the Faculty

Guide.

Signature of the Student :

Name of the Student (in Capital Letters) : KARTHIK.B

Registration No : BF07F067



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ACKNOWLEDGEMENTS

Firstly of all I would like to thank the Indian Institute of Planning and Management for

conducting the Dissertation/Thesis Programme that helps us get the practical knowledge about the

work environment.

I would also like to thank our Dean Jaya Chandran and Administrator Tareque Laskar. Welling

for their valuable guidance.

I would like to thank our faculty Mr. Dinesh Aggarwal who is mu dissertation Guide J.P.Nagar,

for his support and guidance throughout the project.

I would also like to thank our Company Guide Mr. Rakesh Gajaria A.V.P of CTAS (Corporate

Trust & Agency Services) , my Unit Management Mr. Naveen for their valuable guidance

through the project.

At the end I would like to thank our all the faculties for their full co-operation and guidance in

completion of my project by giving all required information for doing this project.

I would like to place on record my sincere gratitude to everyone who has helped in brining me

this project to a reality.

APPROVAL LETTER

Dear Student,

Your thesis/alumni id is

BF07F067Regards

Rekha

Dear Karthik



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I have received your synopsis and confirmation that Mr.Dinesh Agarwal will be your guide for the thesis. The

topic is fine and you can go ahead with your thesis on "Do Interest Rates Make A Difference For Bank Loans

---- A Comparative Study Of Deutsche Bank With Kotak Mahindra Bank".

Treat this mail as a formal approval of the same.

Remember to get yourself registered at the IIPM Academics by showing a copy of this approval mail or

forwarding this mail [email protected] and get the ID No.

You have to send me at least 6 Thesis Response Sheet before submitting the Final Thesis . The Response

Sheet should contain the following Details. You can take a separate document in the same format. Make sure

you mail the response sheet at regular intervals. Your thesiswill be evaluated on the basis of a viva voce,

details of which will be intimated to you after you have been issued the Alumni ID. The last date for

submission of the thesis is 30 Sep 2009. Remember that missing the deadline for submission could mean a

penalty of Rs. 1000/- as well as the possibility of the thesis not being in time for processing your documents

during the convocation.

1) Your Name

2) Your ID Number

3) The Topic of the Study

4) Questionnaire which you have made to collect Primary Data (in the first or the second Response sheet)

5) Date when the Guide was consulted.

6) The outcome of the discussion

7) The Progress of the Thesis

Regards

Tareque

On Tue, Jun 2, 2009 at 9:15 PM, karthik b wrote:

Hello Sir,

Sorry for delay but go thru the word document

With Regards

Karthik.B

Fin-3(MBA 07-09Batch)

IIPM

ABSTRACT

DEUTSCHE BANK is the tenth largest Bank in the world in the terms of development. It is

vested with the responsibility of co-ordinating the working of institutions engages in financing,

promoting and developing industries.

mailto:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]


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The theme of the project is to understand the importance of Interest Rates and the other factors

like services, processing fees, processing / approval time etc that are been provided by a bank to

its customers.

The topic of the study is a comparative study between DEUTSCHE Bank Ltd., with than of

Kotak Mahindra Bank with regards to Personal Loans. The study is been conducted to compare

the interest rate, the service provided by them and other charges that are been charged by both the

banks.

With the help of this project we can come to know whether the Interest rate of the service

provided by a bank plays an important role. It is to know whether the high rate of interest makes

any difference to the customers of Personal Loans

INTRODUCTION

Banking was in existing even in ancient times. The writings of Manu (the marker of Old Hindu

Law) and Kutilya (the minister or Chandragupta Maurya) and the teaching of Christ contained

references to banking.

However, modern banking is of recent origin. It come into existence only after the industrial

revolution. After the industrial revolution, with the increase in the size of industrial and business

units, joint stock company from of business organization came into existence. People were

willing to part with their surplus money, if they were assured of the repayment of their money

with some interest thereon. So there arose the need for the formation of financial institutions

called Joint stock banks or modern banks.

According to some, the English word bank is derived from the Italian world banco, the Latin

word bancus and the French word banque, which means a bench. But according to others, the

term bank is derived from the German word banck, which mean a joint stock fund or a

common fund raised from a large number of members of the public.



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The Indian Banking Regulation Act of 1949 defines the term banking as accepting, for the

purpose of lending or investment, of deposits of money from the public, repayable on demand or

otherwise, ad withdrawable by cheque, draft, order or otherwise.

Loans

A Loan is a type of debt. Like all debt instruments, a loan entails the redistribution of financial

assets over time, between the lender and the borrower. The borrower initially receives an amount

of money from the lender, which they pay back, usually but not always in regular installments, to

the lender. This service is generally provided at a cost, referred to as interest on the debt. Bank

loans and credit are one way to increase the money supply.

A personal loan is a way of borrowing money from a bank, building society or other financial

service provider.

Interest on loans is the principal source of revenue for most banks, making their various lending

departments critical to their success. The commercial lending department loans money to

companies to start or expand a business or to purchase inventory and capital equipment. The

consumer-lending department handles student loans, credit cards, and loans for home

improvements, debt consolidation, and automobile purchases. Finally, the mortgage lending

department loans money to individuals and businesses to purchase real estate.

The money to lend comes primarily from deposits in checking and savings accounts, certificates

of deposits, money market accounts, and other deposit accounts that consumers and business set

up with the bank.

The Banks had, in keeping with the RBI Guidelines, evolved and formulated a well-defined Loan

Policy. The basic objectives of the Loan Policy of the Bank are:

To channelize the flow of fund for productive use

To properly explain and evaluate Loan Proposals.



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To ensure credit facilities are released in time.

The borrowers requirements are determined on the basis of their Net Worth. The ratio of the net

worth to the bank credit of the borrower shall not normally exceed 1:4. The limits of the various

borrowers are assessed depending upon their requirements and their line of activity.

While giving a loan to the borrow, the Bank recovers the following charges in borrowers

accounts:

Processing Charges

Inspection Charges

Supervision Charges

Lead Bank Charges

Commitment Charges

Commission on guarantees and letter of credits

Up Front Fee

Personal Loans



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The Loans which are used for personal purpose by a customer for his/her wards higher

education, wedding in a family, home improvement or maybe just an expensive purchase, for

which includes an insurance cover; a monthly EMI to be paid, which is in reducing balance; given

at without any security and at a convenient rate of interest as of the eligibility condition(s)

satisfied by either a salaried, self-employed professional and self-employed businessperson. The

documents requires are a salary slip; proof of personal identity and signature will just be fine.

Other things necessary could be a passport sized photograph and credit card statements .

PROJECT TITLE

Project Definition:

Do Interest Rates Make A Difference for Bank Loans A Comparative Study of DEUTSCHE

Bank with Kotak Mahindra Bank.

Objectives:

The study will cover the various aspects in relation to the personal loans.

To know the perception and the satisfaction level of the customers towards the product

provided by DEUTSCHE Bank.

To know whether the Interest Rates or the Service provided by the banks plays an

important role.

Limitations:

Though the present study aims to achieve the above-mentioned objectives in full earnest and

accuracy, it may be hampered due to certain limitations. Some of the limitations of this study

were



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The banks may not provide the necessary information needed as the information may be

used by its competitors.

Any suggestions provide may not be always accepted by the organization.

Customers may provide with misleading information through the questionnaire method.

INDUSTRY PROFILE

History

Banking was in existence in India from very early times. But modern banking started in India

only from the beginning of the 19th century. The earliest commercial banks were started in India

by the employees of the East India Company. These banks were known as Agency Houses.

The Indian banking can be broadly categorized into nationalized (government owned), private

banks and specialized banking institutions. The Reserve Bank of India acts a centralized body

monitoring any discrepancies and shortcoming in the system.

Banks have a long history, and have influenced economics and politics for centuries. Indian

banking industry, today is in the midst of an IT revolution. The Indian Banking System has been

operating successfully over the last two centuries. It was in 50s that the Government of India

evolved the policy of using the Banking system as an instrument of economic development and

social change.

Government took major step in the 1969 to put the banking sector into systems and nationalized

14 private banks in the mentioned year. In India the banks are being segregated in different

groups. Each group has their own benefits and limitations in operating in India. Each has their

own dedicated target market. Few of them only work in rural sector while others in both rural as

well as urban.



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The first bank in India, though conservative, was established in 1786. from 1786 till today, the

journey of Indian Banking System can be segregated into three distinct phases. They are as

mentioned below:

o Early phase form 1786 to 1969 of Indian Banks.

o Nationalization of Indian Banks and up to 1991 prior to Indian banking Sector Reforms.

o New phase of Indian Banking System with the advent of Indian Financial & Banking

Sector Reforms after 1991.

The banking system can be divided into three phases. They are Phase I, Phase II and Phase

III.

Phase I:

The General Bank of India was set up in the year 1786. the next Bank that came into

existence was Bank of Hindustan and Bengal Bank. The East India Company established Bank of

Bengal (1809), Bank of Bombay (1840) and Bank of Madras (1843) as independent units and

called it Presidency Banks. These three banks were amalgamated in 1920 and Imperial Bank of

India was established which started as private shareholders banks, mostly Europeans

shareholders.

In 1865 Allahabad Bank was established and first time exclusively by Indians, Punjab National

Bank Ltd., was set up in 1894 with headquarters at Lahore. Between 1906 and 1913, Bank of

India, Central Bank of India, Bank of Baroda, Canara Bank, Indian Bank, and Bank of Mysore

were set up. Reserve Bank of India came in 1935. During the first phase the growth was very

slow and banks also experienced periodic failures between 1913 and 1948. There were

approximately 1100 banks, mostly small. To streamline the functioning and activities of

commercial banks, the Government of India come up with The Banking Companies Act, 1949

which was later changed to Bank Regulation Act 1949.



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Phase II (Nationalization):

Government took major steps in this Indian Banking Sector Reform after independence. In 1955,

it nationalized Imperial Bank of India with extensive banking facilities on a large scale especially

in rural and semi-urban areas. It formed State Bank of India to act as the principal agent of RBI

and to handle banking transactions of the Union and State Governments all over the country.

Seven banks forming subsidiary of State Bank of India was nationalized in 1960 on 19th July,

1969, major process of nationalization was carried out. It was the effort of the them prime

Minister of India, Mrs. Indira Gandhi. 14 major commercial banks in the country were

nationalized. Second phase of nationalization Indian Banking Sector Reform was carried out in

1980 with seven more banks. This step brought 80% of the banking segment in India under

Government ownership.

The following area the steps taken by the Government of India to Regulate Banking Institutions

in the Country.

1949: Enactment of Banking Regulation Act.

1955: Nationalization of State Bank of India.

1959: Nationalization of SBI subsidiaries.

1961 : Insurance cover extended to deposits.

1969: Nationalization of 14 major banks.

1971 : Creation of credit guarantee corporation.

1975: Certain of regional rural banks.



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1980: Nationalization of seven banks with deposits over 200 crore.

Phase III (Liberalization):

This phase has introduced many more produces and facilities in banking sector in its reforms

measure. In 1991, under the chairmanship of M.Narasimhan, as committee was set up by his

name which worked for the liberalization of banking practices. His government embarked on a

policy of liberalization and gave licences to a small number of private banks, which came to be

known as New Generation tech-savvy banks, which included banks like ICICI Bank and HDFC

Bank. The country was also flooded with foreign banks and their ATM stations. Efforts were

being put to give a satisfactory service to customers. Phone banking and net banking was also

introduced. The entire system became more convenient and swift.

Nationalization of Banks in India:

The nationalization n of banks in India took place in 1969 by Mrs. Indira Gandhi the then prime

minister. It nationalized 14 banks then. These banks were mostly owned by businessmen and

even managed by them.

Central Bank of India

Bank of Maharashtra

Dena Bank

Punjab National Bank

Syndicate Bank

Canara Bank



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Indian Bank

Indian Overseas Bank

Bank of Baroda

Union Bank

Allahabad Bank

United Bank of India

UCO Bank

Bank of India

Before the steps of nationalization of Indian banks, only State Bank of India (SBI) was

nationalized. It took place in July 1955 under the SBI Act of 1955. The State Bank of India is

Indias largest commercial bank and is ranked one of the top five banks worldwide.



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Fact Files of Banks in India:

Information about the first he oldest the largest, the biggest banks in India.

TABLE -- 1

The fist bank in India to be given an ISO Certification

Canara Bank

The fist bank in Northern India to get ISO 9002

certification for their selected branches

Punjab and Sind Bank

The first Indian bank to have been started solely with

Indian capital

Punjab National Bank

The first among the private sector banks in Kerala to

become a scheduled bank in 1946 under the RBI Act

South Indian Bank

Indias oldest, largest and most successful commercial

bank, offering the widest possible range of domestic,

international and NRI products and services, through

its vast network in India and overseas

State Bank of India

Indias second largest private sector bank and is nor

the largest scheduled commercial bank in India

The Federal Bank

Limited

Bank which started as private shareholders bank,

mostly Europeans shareholders

Imperial Bank of India

The first Indian bank to open a branch outside India in

London in 1946 and the first to open a branch in

continental Europe at Paris in 1974

Bank of India, founded

in 1906 in Mumbai

The oldest Public Sector Bank in India having

branches all over India and serving the customers for

the last 132 years

Allahabad Bank

The first Indian commercial bank which was whollyowned and managed by Indians

Central Bank of India



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Reserve Bank of India (RBI)

Reserve Bank of India (RBI) is the central bank of our country. It was established in April 1935

with a share capital of Rs.5 crores. Reserve Bank of India was nationalized in the year 1949. RBI

closely monitors developments in the whole financial sector.

The Bank was constituted for the need of following:

To regulate the issue of bank notes.

To maintain reserves with a view to securing monetary stability, and

To operate the credit and currency system of the country to its advantage.

Functions of Reserve Bank of India:

The Reserve Bank of India Act of 1934 entrusted all the important functions of a central bank to

The Reserve Bank of India. The distribution of one rupee notes and coins and small coins all over

the country is undertaken by the Reserve Bank as agent of the Government. The Reserve Bank

has a separate Issue Department which is entrusted with the issue of currency notes. The Reserve



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Bank of India acts as the bankers bank. The Reserve Bank of India, therefore, has the following

powers:

It hold the cash reserves of all the scheduled banks.

It controls the credit operations of banks through quantitative and qualitative controls.

It controls the banking system through the system of licensing, inspection and calling for

information.

It acts as the lender of the last resort by providing rediscount facilities to scheduled banks.

Banking Industry

A bank is an institution that provides financial service, particularly taking deposits and extending

credit. Banks safeguard money and valuable and provide loans, credit and payment services, such

as checking accounts, money orders, and cashiers checks. Banks also may offer investment and

insurance products. Banks continue to maintain and perform their primary role-accepting deposits

and lending funds from these deposits. There are several types of banks, which differ in the

number of services they provide and the clientele they serve.

Commercial banks, which dominate this industry, offer a full range of services for individuals,

business, and governments. These banks come in a wide range a of sizes, from, large global banks

to regional and community banks. Global banks are involved in international leading and foreign

currency trading, in addition to the more typical banking services. Regional banks have numerous

branches and automated teller machine (ATM) locations throughout a multi-state area that

provide banking services to individuals. Banks have become more oriented towards marketing

and sales. As a result, employees need to know about all types of products and services offered by

banks. Community banks are based locally and offer more personal attention, which may



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individuals and small business prefer. In recent years, online banks- which provide all services

entirely over the Internet have entered the market.

Current Scenario:

Currently (2009), overall, banking in India is considered as fairly mature in term of supply,

product range and reach. Even in terms of quality of assets and capital adequacy, Indian banks are

considered to have clean, strong and transparent balance sheets as compared to other banks in

comparable economies in its region. The Indian economy is expected to be strong especially in its

services sector. Mergers and Acquisitions, takeovers, assets sales and much more action will

happen in India.

Currently, India has 88 scheduled commercial banks 28 public sector banks, 29 private banks

and 31 foreign banks. They have a combined network of over 53,000 branches and 17,000 ATMs.

According to a report by ICRA Limited, a rating agency, the public sector banks hold over 75%

of total assets of the banking industry.

Presently the total assets size of the Indian banking sector is US$ 270 billion while the total

deposits amount to US$ 220 billion with a branch network exceeding 66,000 branches across the

country.

Banking services in India

The Indian banking has come from a long way from being sleepy business institutions to a highly

proactive and dynamic entity. This transformation has been largely brought about by a the large

dose of liberalization and economic reforms that allowed banks to explore new business

opportunities rather than generating revenues from conventional stream (i.e. borrowing and

leading).



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The Indian banking industry is passing through a phase of customers market. The customers have

more choice in choosing their banks. A competition has been established within the banks

operating in India. With stiff competition and advancement of technology, the services provide by

banks have become more easy and convenient.

Other fundamental changes are occurring in the industry as banks diversify their services to

become more competitive. Many banks now offer their customers financial planning and asset

management services, as well as brokerage and insurance services, often through a subsidiary or

third party. Others are beginning to provide investment banking services that help companies and

governments raise money through the issuance of stocks and bonds, also usually through a

subsidiary. As banks respond to deregulation and as competition in this sector grows, the nature

of the banking industry will continue to undergo significant change.

Easy Banking

A part from Mobile Banking, including of SMS Banking, Net Banking and ATMs are the major

steps taken by the banks in India towards modernization.

Technology

Technology is having a major impact of the banking industry. ATMs allow people to access their

accounts 24 hours a day. Also, direct deposit allows companies and governments to electronically

transfer payments into various accounts. Further, debit cards, which may also use as ATM cards,

instantaneously debut money from an account when the card is swiped across a machine at a

stores cash register. Electronic banking by phone or computer allow customers to pay bills and

transfer money from one account to another. Through these channels, bank customers can also

access information such as account balances and statement history.



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Services

Other fundamental changes are occurring in the industry as banks diversify their services to

become more competitive. Many banks now offer their customers financial planning and asset

management services, as well as brokerage and insurance services, often through a subsidiary or

third party. Others are beginning to provide investment-banking services that help companies and

governments raise money through the issuance of stock and bounds, also usually through a

subsidiary.

Company Profile of DEUTSCHE Bank Ltd.,

Industrial Development Bank of India (DEUTSCHE BANK) is the tenth largest bank in the world

in terms of development. The National Stock Exchange (NSE), The National Securities

Depository Services Ltd. (NSDL), Stock Holding Corporation of India (SHCIL) are some of the

institutions which has been built by DEUTSCHE BANK. DEUTSCHE BANK is a strategic

investor in a plethora of institutions which have revolutionized the Indian Financial Markets.

DEUTSCHE Bank.

Vision Statement:

To be trusted partner in progress by leveraging quality human capital and setting global

standards of excellence to build the most valued financial conglomerate.

Main Functions of DEUTSCHE BANK

DEUTSCHE BANK is vested with the responsibility of co-ordinating the working of institutions

engaged in financing, promoting and developing industries. DEUTSCHE BANK also

undertakes / supports wide-ranging promotions activities including entrepreneurship development

programs of new entrepreneurs, provision of consultancy services for small and medium

enterprises, up gradation of technology and programmes for economic up-liftment of the

underprivileged.



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DEUTSCHE BANK role as a catalyst to industrial development encompasses a wide spectrum of

activities. With over three decades of service to the Indian industry, DEUTSCHE BANK has

grown substantially in terms of size of operations and portfolio.

Development Activities of DEUTSCHE BANK

1. Promotional Activities:

The Bank continues to perform a wide range of promotional activities relating to developmental

programmes for new entrepreneurs, consultancy services for small and medium enterprises and

programmes designed for accredited voluntary agencies for the economic upliftment of the

underprivileged. These include entrepreneurship development, self-employment and wage

employment in the industrial sector for the weaker sections of society through voluntary agencies,

support to Science and Technology Entrepreneurs Parks, Energy Conservation, Common Quality

Testing Centers for small industries.

2. Entrepreneurship Development Institute:

DEUTSCHE BANK played a prime role in setting up of the Entrepreneurship Development

Institute of India for fostering entrepreneurship in the country. It has also established similar

institutes in Bihar, Orissa, Madhya Pradesh and Uttar Pradesh. DEUTSCHE BANK also extends

financial supports to various organizations in conducting studies or surveys of relevance to

industrial development.

3. Information Technology:

Technological developments would render flow of information and data faster leading to faster

appraisal and decision making. To reduce investment costs in technology, banks are likely to

resort more and more to sharing facilities such as ATM networks. The DEUTSCHE Bank is

already at an advanced stage of implementing the Financial Core Banking Solution across all

braches. In addition, all branches would have access to a centralized Customers Relationship

Management (CRM) system. DEUTSCHE Bank has set up a Data Centre at Belapur and a

Disaster Recovery Centre at Chennai to support such technology driven business model.



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4. Management and Organization:

DEUTSCHE BANK Ltd., is a Board managed institution. The responsibility of the day-to-day

management of operations of Bank is vested with the Chairman, who draws upon the support and

expertise of a Top Management Team, comprising Executive Directors and a Legal Advisor.

DEUTSCHE BANK Ltd. has a pool of around 1400 competent and experienced professionals.

The Bank, with its Head Office at Mumbai, operates through a network of 4 Zonal Offices

(Chennai, Jaipur, Bangalore, Mumbai) and Branch Offices spread across the country.

Presently, the Board comprises twelve directors including the Chairman and Managing Director,

two whole time directors designed as Deputy Managing Directors, two officials of the Central

Government and remaining seven Directors in the category of Independent Directors. Out of the

seven independent Directors, two Directors have been nominated by Government of India in the

professional category and the remaining five Directors have been elected by the shareholders.

Branch Network:

DEUTSCHE BANK has its head office at Mumbai and zonal offices in different regions of the

country. As on March 31, 2006 it has a network of 552 delivery outlets comprising of 171

branches, 4 extension counters and 337 ATMs to service its customers base across the country. It

has also set a plan for expansion of the network during 2006 07 and besides the general

category branches it has also set up two dedicated branches they are large Corporate Branch and

Specialized Treasury Branch and both are located at Mumbai.

Strategic Planning:

In keeping with its vision of emerging as the most valued financial conglomerate DEUTSCHE

BANK has consolidated all Corporate Strategy and Planning related functions under a unified

umbrella. The function is carried out by providing business intelligence inputs to the top

management and operational units by collating information on trends and development in the

business environment and also planning for business strategies by dovetailing these inputs. These

inputs also include scanning the regulatory environment, identifying the emerging opportunities

for the bank and putting in place mitigation measures for actual and potential threats. Industry



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research is a key component of DEUTSCHE BANKs credit appraisal process which provides

critical inputs to assess the risk return profile of the proposals. Industry research focuses on global

and domestic demand-supply scenario, cost structure, marketing strategies, comparative

technologies and their impact on product cost, inter firm comparisons, etc.

Retail Finance:

The Indian retail finance market, led by housing, auto and personal loan segments has witnessed a

major change in the last few years. These changing have been driven by rising income levels,

change in the mindset of consumers in availing credit, availability of credit, at affordable rates

and expansion of presence of financiers. Considering this robust growth and immense

opportunities in this sector, DEUTSCHE BANK has given major thrust to these segments.

DEUTSCHE BANK offers a wide spectrum of products; both secured (Housing loans, mortgage

loans and loan against securities) and unsecured (personal loans, educational loans and overdrafts

to merchant establishments.) During this year, DEUTSCHE BANK successfully undertook the

homes 2005 campaign, a proprietary housing loan exhibition across eight locations and response

received exceeded two lakh aspirants. DEUTSCHE BANK also started putting emphasis on

educational loans. The Bank has now specialized Retail Asset Centers across 20 locations, which

has enhanced the product acceptance, operational efficiency and credit expertise. DEUTSCHE

BANK also distributes third party products such as insurance and mutual fund products to its

retail customers.

Environmental Protection Schemes:

DEUTSCHE BANK is acting as financial agent for the World bank funded Ozone depleting

Substances (ODS) phase out projects, and is responsible for appraising projects, administrating

and disbursing grant out of Ozone Trust fund and overseeing implementation of the projects

aimed at phasing out the use of ODS.

DEUTSCHE BANK has also been acting since 1995, as a financial intermediary for the United

States Agency for International Development funded Greenhouse Gas Pollution Prevention

Project (GEP). The GEP project aimed at reducing emission of greenhouse gases and increasing



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the system was low for some time after the redemption of the India Millennium Deposits in

December 2005. Its treasury managed the liquidity situation effectively ensuring that liquidity

needs of the Bank were met by timing the borrowing and investments appropriately apart from

maintaining the required regulatory reserves. Its treasury fully used the opportunities existing

both in the domestic and international markets to fund the resource requirements of DEUTSCHE

BANK.

DEUTSCHE BANK efficiently managed the surplus funds with a basket of investments in dated

securities, discounted instruments and others consistent with the risk perception and risk appetite

of your Bank. The investments have been made with the objective of maximizing returns without

compromising on safety and liquidity.

DEUTSCHE BANK also services the foreign exchange requirements of the customers by

providing a range of products to meet the needs of clients in their import and export transactions

apart form undertaking proprietary trading on its own account. Proactive interaction with the

customers at major metros has helped it to increase the foreign exchange business volume.

Customized risk management solutions to the clients were provided by DEUTSCHE BANK to

enable the customers to manage the exchange risk and interest rate risks.

Foreign Currency Borrowings:

During the previous year under review the focus of DEUTSCHE BANK was on reducing the cost

of foreign currency (FC) borrowings by replacement of earlier borrowings at lower rates. Three

tranches of borrowings, aggregating USD 224.7 million, were sources at finer rates, resulting in

significant lowering of cost of FC borrowings of DEUTSCHE BANK. In addition it also prepaid

some of the high cost FC borrowings further reducing the overall cost of funds. During the year

under the limit of 250 Cr unpaired Tier I capital DEUTSCHE BANK contracted a 364 day

syndicate loan of JPY 11.778 billion (equivalent to USD 100 million) and also raised a sum of

USD 105 million from overseas branches of Indian banks by way of inter-bank deals.



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Cross- Border Branches:

With a view to catering to the cross-broader financing needs of the Banks customers and

leverage the domestic banking strengths to offer products internationally, DEUTSCHE BANK

has decided to make a foray into the overseas markets. To begin with, it is proposed to open

offshore / representative offices in West Asia, Europe and South East Asia regions. Necessary

steps are being taken in this regard.

New Business Initiatives:

DEUTSCHE BANK has decided to enter into the life insurance business to complement the range

of financial products and services being offered to its clientele in consonance with its Vision

Statement to build the most valued financial conglomerate. DEUTSCHE Bank and Fortis

Insurance International N.V (Fortis), one of the largest players in the insurance business in

Europe, have signed a Memorandum of Understanding (MoU) with a view to setting up a joint

venture (JV) in the filed of life insurance business. Fortis will bring to the joint venture its unique

experience in developing and operating the banc assurance model, which will augment the

activities of DEUTSCHE BANK. DEUTSCHE BANK also proposes to approach the regulators,

thereafter for obtaining necessary statutory and regulatory approvals for setting up the insurance

venture.



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FACTS AND FIGURES

Distribution of Shareholding:

The details of shareholding in DEUTSCHE Bank by major categories of shareholders as at end

march 2006, is presented in the table below.

Table -2

Shareholding pattern as at end March 2006

Category of

Shareholders

No. of Shares Held % to total

Government of India 38,17,78,000 52.75

Employees 21,23,094 0.29

Public 9,80,35,059 13.54

Hindu Undivided

Families

12,31,002 0.17

Bodies corporate 2,43,68,200 3.37

Institutions 15,05,40,918 20,80

Societies 28,960 0.01

Trusts 3,60,611 0.05

Insurance Companies 5,59,59,196 7.73

NRIs 45,00,068 0.62

NSDL (Transit) 48,69,495 0.67

Grand Total 72,37,94,603 100.00

Personal Loans:

A Personal loan is an unsecured loan. Normally, the lender does not ask for guarantors either.

More advantages: minimum documentation and speedy clearance (within three to seven days of

applying). And there is no monitoring of end use you can use the loan for any purpose you

like.



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Personal Loans are often referred to as all purpose loans, they are ideal when you have to buy

Flexibility of duration and availability of various schemes make personal loans an attractive

option. Besides, you may use them for any purpose you choose to with no questions asked.

Personal loans are also known as consumer loans. With a personal loan you can use the money

for just about anything. Personal loans are a great way to acquire some quick cash without going

through a lot of hassles. The amount of personal loan that can be borrowed depends on which

type of loan you get. It also depends on your credit status and possibly if you have any collateral.

Personal Loan form DEUTSCHE BANK comes with an insurance cover. This means when times

are tough, youll have an insurance cover to take care of the EMIs.

In case of death or disability due to an accident, the principle outstanding will be paid by

the insurance company.

In case of loss of job, the insurance company will pay the EMIs for up to 3 months.

There are two types of personal loans. They are:-

Unsecured Personal Loans are loans that do not require any type of collateral to quality.

These loans may have higher loan rates associated with them, and usually the amount of the

loan is less than a secured loan. This types of loan is great when a person is in need of cash.

An unsecured personal loan can be used for any purpose you like, although it is worth

remembering that most lenders will have special loans for specific purposes, like car loans orhome improvement loans, so it might be advisable to see if the repayment terms and interest

rates on these tailor made loans are more suitable.

The other type of personal loan is a secured loan. With a secured loan the lender usually

require some type of collateral. This helps in protecting the lender in case a customer should

fault on the loan. The secured loan normally provides a lower interest rate than the unsecured

loan and the borrowed amount is usually larger than the unsecured loan. A secure loan can beused for any legitimate purpose.



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Different Products of DEUTSCHE Bank Ltd:

Retail Banking

1. Deposits

Savings Account

Current account

Fixed deposits

Pension account

2. Loans

Loans against home

Home loans

Education

Business

Marriage

Purchase or improvement property

Medical treatment or any other personal need



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Personal Loan

3. Payments

Tax payments

Stamp duty payment

Easy fill

Bill payment

Card to card money transfer

Online payments

4. Investments

Demat Account

Investment services

5. Insurance

Family Insurance

Life Insurance

6. Preferred Banking

(Give a new meaning to exclusivity, convenience and privilege)



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7. NRI Service

8. Institutional Banking

Institutional savings account

Corporate payroll account

CitizenDeutsche bankbank

9. Corporate Products

Deposits products

Loans & advances

Trade finance

Capital market

Capital market

Internet banking

Cash management services

10. Treasury products

Foreign market



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Money market

11. 24 Hours Banking

Phone Banking

SMS Banking

Account Banking

Internet Banking

12. Cards

Gold Debit card

International debit cum ATM card

Gift card

World currency card

13. Other products

Lockers

India post

Corporate Banking:

1. Project Finance



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2. Film Financing

3. Corporate Loan

4. Direct Discounting

5. TUFS (Technology up-gradation fund scheme)

6. Bills Rediscounting

7. Rehabilitation finance

8. Commercial products

9. Treasury products

IPO finance

Loans against security

COMPANY PROFILE OF KOTAK MAHINDRA BANK



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Established in 1985, The Kotak Mahindra group has long been one of Indias most reputed

financial organizations. In February 2003, Kotak Mahindra Finance Ltd, the groups flagship

company was given the license to carry on banking business by the Reserve Bank of India (RBI).

This approval creates banking history since Kotak Mahindra Finance Ltd. is the first company in

India to convert to a bank.

Established in 1985 as Kotak Capital Management Finance promoted by Uday Kotak the

company has come a long way since its entry into corporate finance. It has dabbled in leasing,

auto finance, hire purchase, investment banking, consumer finance, broking etc. The company got

its name Kotak Mahindra as industrialists Harish Mahindra and Anand Mahindra picked a stake

in the company. Kotak Mahindra is today one of Indias leading Financial Institutions

Mission: Its mission is to create maximum economic values for shareholders through a constant

relationship. They are operating in three principal customers segments. The Banks corporate

values play an integral role in the fulfillment of its mission.

Kotak Mahindra Bank in India:

In India Kotak Mahindra Bank has right decade long experience of the Indian business scenario.

Traditionally it was known as a strong Diamond Financing Bank. Now the bank is providing a

comprehensive range of services.

In India Kotak have branches in Bangalore, Baroda, Chennai, Delhi, Gurgaon, Hyderabad,

Kolkata, Luknow, Mangalore, Moradabad, Mumbai, Nioda, Panipat, Pune, Surat and Tirupur.

Each of these branches provides multi-product relationships. Kotak Mahindra Bank in India

enjoys a strong image as a corporate bank with comprehensive Global Transaction Services.

Kotak Mahindra Bank has launched its Private Banking Services in India offering a

comprehensive range of high quality Portfolio Advisory Services. It has also launches its

microfinance program in India. The Program is aimed at delivering credit to the poor women of

India, especially in the rural areas, through Microfinance Institution (MFIs). The services of

Kotak Mahindra Bank are organized globally in three business lines:



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Wholesale Clients

Consumer and Commercial Clients

Private Clients and Asset Management



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In India:

KOTAK MAHINDRA has a long standing presence in India since 1920, in Kolkata and Mumbai.

At the time, the bank mainly worked for diamond clients.. The Delhi branch was functional in the

very same year. KOTAK MAHINDRA was launched in other cities throughout India between

1994 and 1999. They were Chennai in 1994, Pune in1997 and Baroda in 1999, while the

Hyderabad and Bangalore braches were opened in 2001. The branch of Noida was opened in the

year 2002.

Kotak Mahindra Bank has launched its Private Banking Services in the country offering a

comprehensive range of high quality Portfolio Advisory Services along with a comprehensive

transaction execution platform, complemented by personalized Banking and custodial services. It

has also launched its microfinance program. The program is aimed at delivering credit to the poor

women of India, especially in the rural areas, through microfinance Institutions (MFIs).

Network of Kotak Mahindra Bank in India:

Kotak Mahindra Bank has more than 3,500 branches in over 70 nations across the globe. In India,

Kotak Mahindra Bank has a strong presence of more than 23 branches across 16 cities offering a

comprehensive range of financial products and services.

The Achievements of Kotak Mahindra Bank:

Best at Cash Management Award in September 2001 The Banker.

Corporate Finance India: Ranked Second in M & A in the Investment Banking arena in

2001 Economic Times.

KOTAK MAHINDRASecurities India: Best Foreign Bond House, No.1 Arranger in

Private Sector : Euromoney 2000



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Top Bank on Management Quality parameter: Business India Best Banks Survey

2000.

7th Most Admired Commercial Bank in the World: Fortune Magazine, 2000.

Top Foreign Bank in India: Economic Times CMIE survey 1999.

Second overall in Banking Industry: Financial Express BRIS survey 1999.

Different Products of Kotak Mahindra Bank:

Consumer Banking

1. Credit Card

Freedom Credit Card

Smart Card

2. Loan Products

Home Loans

Car Loans

Loan Against Securities

Personal Loans

3. Deposit Products



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Savings Account

Value + Current Accounts

Easy Draw Fixed Deposits

4. Van Gogh Preferred Banking

5. NRI Services

6. Investments

Mutual Funds

7. Services

Mobile Banking

Debit Cards

Net Banking

Express Cash

ATM Services

Bank by Phone

Bill Payment

Doorstep Banking

Depository Banking



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PRODUCT PERSONAL LOANS

Target Customers of DEUTSCHE Bank Ltd.,

DEUTSCHE Bank Ltd targets the following customers:-

Salaried Customers of approved companies

Regular Employees Group

IT group

BPO

Government & Social Employees

Doctors

Self-Employed Professional (B.E., C.A)

Self-Employed Businessmen

Business Entities

Documents Required:

1. Photograph (Signed across) & Application Form

2. Age and ID Proof (any one)

a. Passport



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4. Employment Stability (anyone)

a. Form 16

b. Appointment Letter

c. Increment / Promotion Letter

d. Letter from employer for Cat A employees

5. Income Proof

a. Salary slips or certificate with Designation of the last 2 months.

6. Telephone Bill

a. Latest paid Telephone Bill required

Self Employed Business Entity

Documents Required:

1. Photograph (Signed across) & Application Form

2. Age and ID Proof (Any one)

a. Passport

b. Driving License

c. LIC Policy



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d. Birth Certificate

e. School Leaving Certificate

f. PAN Card

g. BSV along with photograph

3. Residence Proof (any one)

a. Raton Card

b. Driving License

c. Passport

d. Telephone Bill

e. Electricity Bill

f. Rent/Sale Agreement

g. Address on Bank Statements

h. Credit Card Statements

4. Business Proof (any one)

a. Telephone Bill

b. Electricity Bill



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c. Water Bill

d. Society Charges Receipt

e. Rent Receipt

f. Ownership Proof

g. Shop & Establishment Certificate

5. Income Proof for the last 2 years

a. Latest 2 years Income Tax Return (ITR) with Computation of Income, P & L A/c and

Balance Sheet

6. Loan Repayment

a. 8 EMI (Equated Monthly Installments) Clear Repayments required of Personal / Auto/

Home / Two Wheeler / Consumer Durable.

7. Banking Requirement

a. Bank Statement for last 6 months

b. Average bank balance be equal to 1 EMI

c. 25% of the Annual Turnover to be reflected in 6 months banking

d. Cheque returns not exceed 0.5% of total transactions with a maximum of 10

8. Miscellaneous Documents



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a. Memorandum of Association (MOA)

b. Partnership Deed

c. Board Resolution & Partnership Solution

List of Negative Employee Category:-

1. Employee receiving salary by mode other than direct credit or cheques.

2. Employees receiving salary by periodicity other than one month.

3. Applicants employed as consultants and Contractual Employees (except Employees of

Multi National Companies)

4. Security Personnel

5. Applicants employed with collection agencies

6. Agents or insurance companies (except Development Officers)

7. Directors or promoters of the company receiving salary as part of remuneration.

8. Foreign nationals

9. Police

10. Journalist and field staff of press

11. Class 4 employees of any organization.

12. Nurses / Ward boys



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PROJECT

RESEARCH METHODOLOGY

The objective of the present study can be accomplished by conducting a systematic Market

Research. Market Research is the systematic design, collection, analysis and reporting of data and

findings that are relevant to the company. The marketing research process that will be adopted in

the present study consists of the following stages:

Defining the Problem and The Research Objective:

The research objective states what information is needed to solve the problem.

Developing the Research Plan

Once the problem is identified, the next step is to prepare a plan for getting the information

needed for the research.

Sampling Plan:

The sampling plan adopted is Cluster sampling

Sampling units: The customers will be segmented into different groups such as salaried

and self-employed. They will be segregated on the basis of their take home salary and total turn

over.

Sampling size: The respondents or the population of the survey will be the customers of

the DEUTSCHE Bank and Kotak Mahindra Bank. The sample size for this survey is 100

customers of both the banks (50 each). The sampling unit refers to whom to be surveyed.



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Collection and Sources of Data:

Market research requires two kinds of data i.e. primary data and secondary data.

o Primary Data: Primary data is fresh data, which enables to collect necessary information

regarding the survey. It is the raw data which is collected by making survey, interviews etc. The

data was obtained through survey of different sector viz. Salaried, Self-employed, Professionals.

The data collection instrument used for the survey was questionnaires, telephonic interviews

discussions with the company officials.

o Secondary Data: Secondary data is with reference to the available in the organization in

the form of files and past records, (the customer database available in the organization). The data

was obtained through company documents, trade journals, business magazines etc.

Analyze The Collected Information:

This involves converting raw data into useful information. It involved tabulation of data usingstatistical measures on them for developing frequency distributions and calculating the average

and dispersions.

Report Research Findings:

This phase will mark the culmination of the marketing research effort. The report with the

research findings is a formal written document.

SCHEDULE

The Thesis commenced from 18th May 2009 and formally closes on 12 th August 2009. The

duration of the present study is for 3 months. The company guide, Mr. Rakesh Gajaria and the

Faculty Guide will be constantly guiding and monitoring the progress of the project work all

through these 3 months



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SURVEY ANALYSIS AND INTERPRETATIONS

Note 1:As its a comparative study between DEUTSCHE Bank Ltd., and Kotak Mahindra Bank

the sample size for both the banks is 50 each (i.e. total 100). The interpretation of both the banks

is based on the sample size of 50 respondents each.

Note 2: As some of the respondents were not ready to disclose the information there is slight

variation in the sample size.

1. Who among Male and Female opt for Personal Loans?

TABLE -1

Sl No. Gender Male Female Total

1. DEUTSCHE Bank Ltd. 47 3 50

2. Kotak Mahindra Bank 47 3 50



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INTERPRETATION OF THE ABOVE CHART:

From the survey conducted, the intern comes to know that 47 respondents (94%) of both the

banks out of 100 are males and the remaining 3 respondents (6%) (of both the banks) are females.

By this we come to know that the majority of the loan takers are Male.

2. What is the Marital Status?

TABLE -2

Sl No. Gender Single Married Total

1. DEUTSCHE Bank Ltd. 18 32 50

2. Kotak Mahindra Bank 14 36 50

Source: Telephonic Survey

CHART 2



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From the survey conducted, the intern comes to know that 32 respondents (64%) of DEUTSCHE

Bank Ltd., are married and the remaining 18 respondents (36%) are single. Whereas 36

respondents (72%) of Kotak Mahindra Bank are married and the remaining 14 respondents (28%)are single.

3. What is the age group you lie in?

TABLE -3

Sl No.

Age

(in

Years

)

Deutsche Bank. Kotak Bank

1. 23 30 38 17

2. 31 40 8 17

3, 41-50 2 10



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4. 51 60 0 0

Total 48 34


Note: As some of the respondents were not ready to disclose the information there

is slight variation in t he sample size.

CHART 3



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From the survey conducted, the in term came to know that 76% of the respondents i.e 38respondents of DEUTSCHE Bank Ltd., in the age group of 23-30 hears avail personal loan, and

only 16% i.e., 8, respondents are from the age group of 31 40 years.

Whereas survey done for Kotak Mahindra Bank shows that 34% of respondents i.e., 17

respondents each from the age group 23 30 years and 31 40 years go for personal loans. From

the above chart we can make out the DEUTSCHE Bank Ltd., mostly provides loan for the

younger generation of the age group between 23 years to 30 years and Kotak Mahindra Bankprovides loan to almost all the age groups equally.



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4. How do you rate your knowledge about banking sector?

Sl No. Ratings Deutsche

Bank.

Kotak

Bank

1. Very Good 4 10

2. Good 21 11

3, Average 16 19

4. Bad 8 6

5. Very Bad 1 4

Total 50 50


CHART 4




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From the survey conducted we can see that almost all the respondent have Good and Average

Knowledge of the banking sector. We can see that 42% respondents (21) of DEUTSCHE Bank

Ltd., and 38% respondents (19) of Kotak Mahindra Bank rates their knowledge about banking

sector as good and average.

With the help of the above chart we can make out the customers now a days proper knowledge

about the product they are going to deal with.

5. What was the source through which you came to know about the bank?

Sl No.

Sourc

e of

Infor

matio

n

Deutsche Bank. Kotak

Bank

1. Friends / Colleagues 19 16

2. TV Advertisements 3 3

3, Newspapers 9 6

4. Internet 5 1

5. Magazines 0 0

6. Tele/Field Executives 27 30

7. Corporate A/c 3 1

Total 66 57




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Note: Here the respondents were allowed to choose more than one options i.e. this question has

multiple choice options, so the total response received many differ.

CHART 5


From the survey conducted the intern came to know that the most effective source of information

for the respondents DEUTSCHE Bank Ltd., and Kotak Mahindra Bank is the Tele calling

department and the through the Field Executives (i.e through Cold Call). The respondents also got

the information regarding the banks through the references of their friends and colleagues. We

can see that the source of information for almost 54% & 60% of the respondents of both the

banks was the Tele-calling and Cold Calls made by the executives.



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6. What aspects do you consider important when you apply for personal Loans?

TABLE -6

Sl No. Important Aspects DEUTSCHE

Bank Ltd.

Kotak

Mahindra Bank

1. Interest Rates 29 39

2. Bank Service 23 26

3, EMI to be paid 8 20

4. Easy Documentation 14 10

5. Processing Fees and Other

Hidden Charges

9 7

6. Loan Amount 3 0

7. Tenure Period 4 1

8. Tenure Period 4 1

9. Pre-closure charges 3 3

10. Reputation Bank 3 1

11. Agreement Document 1 0

Total 111 114


Note: Here the respondents were allowed to choose more than one options i.e. this

question has multiple choice options, so the total response received many differ.

CHART 6



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From the survey we can see that the respondents are more concerned about the

interest rates and the services provided by the bank. We can see that almost about

58% of the respondents from DEUTSCHE Bank Ltd., i.e., 29 respondents and 78% of

Kotak Mahindra Bank i.e, 39 respondents out of 50 consider interest rates as the

most important factor; similarly 46% and 52% respondents of both the banks

consider the service provided by the bank as the most important factor. People are

even concerned about the easy documentations and the EMI to be paid to the bank.



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7. On what basis have you taken loan from the banks.

TABLE -7

Sl No. DEUTSCHE

Bank Ltd.

Kotak

Mahindra Bank

1. Salary 48 27

2. Credit Cards 0 7

3, Track Record 1 13

4. Balance Transfer 0 0

Total 49 47



is slight variation in the sample size.

CHART 7


48

0 1 0

27

7

13

00

10

20

30

40

50

No. of

Respondents

Deutsche Bank. Kotak Mahindra

Bank

On what basis the loan was taken

Salary

Credit Cards

Track Record

Balance Transfer


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From the survey conducted the intern comes to know that 96% of the respondents (48

respondents) of DEUTSCHE Bank Ltd. And 54% of respondents of Kotak Mahindra Bank had

availed personal loans on the basis of their salary and out of the remaining 2% and 26% of the

respondents of both the banks have taken loan on the basis of the previous years track record

whereas 14% of the respondents of Kotak Mahindra Bank had availed loan on the basis of their

credit cards.

8. What is the nature of work / job you perform?

TABLE -8

Sl No. Occupation DEUTSCHE

Bank Ltd.

Kotak

Mahindra Bank

1. Self employed 1 17

2. Government Employee 0 1

3, IT/BPO/Regular 49 24

4. Professional (Dr. / C.A) 0 1

Total 50 43



is slight variation in the sample size

.



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CHART 8

Interpretation of the above chart:

From the survey conducted the intern came to know that 98% (49 respondents) and 48% (24

respondents) of the respondents of both the banks are salaried people and they mostly work for IT

and BPO companies. 34% of the respondents of Kotak Mahindra Bank (17 respondents) and 2%

(1 respondents) of DEUTSCHE Bank Ltd., are self employed. Also about 2% of the respondents

of Kotak Mahindra Bank are government employee and also professionals like Doctors,

Engineers and C.A

9. (a) What is the Net Take Home Salary (Cost to the Company)

TABLE -9(a)


1 0

49

0

17

1

24

10

10

20

30

40

50

No. of

Respondents

Deutsche Bank. Kotak MahindraBank

Company / Occupation

Self employed

Government Employee

IT/BPO/Regular

Professional (Dr. / C.A)


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CHART 9 (a)


Sl No. Cost of the Company DEUTSCHE

Bank Ltd.

Kotak

Mahindra Bank

1. Rs.8000 18000 4 6

2. Rs. 18001 28000 11 13

3, Rs. 28001 38000 15 3

4. Rs.38001 48000 4 3

5. Rs.48001 & above 9 3

Total 43 28


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From the survey conducted the intern comes to know that that the net take home salary of 30%

(15) respondents of DEUTSCHE Bank Ltd., lies between the salary group of Rs.28001 38000

whereas 22% and 18% of the respondents lies between the salary group of Rs.18001 28000 and

Rs.48001 & above.

Whereas for the Kotak Mahindra Bank 26% (13) and 12% (6) of the respondents belongs to the

salary group of Rs.18001 28000 and Rs.8000- 18000.

9 (b) What is the total work experience till date?

TABLE -9(b)


4

11

15

4

9

6

13

3 3 3

0

2

4

6

8

10

12

14

16

No. of

Respondents

Deutsche Bank. Kotak Bank

Bank

Cost of the Company

Rs.8000 18000

Rs. 18001 28000

Rs. 28001 38000

Rs.38001 48000

Rs.48001 & above


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Sl No. Total Work Experience DEUTSCHE

Bank Ltd.

Kotak

Mahindra Bank

1. 2 -4 yrs 18 6

2. 5 7 yrs 16 9

3, 8 10 yrs 4 7

4. 11 13 yrs 3 4

5. 13 yrs & above 4 1

Total 45 27




CHART 9 (b)


From the survey done the intern comes to know that 36% and 12% of the respondents

(DEUTSCHE Bank Ltd., and Kotak Mahindra Bank) of both the banks are having the total workexperience of 2- 4 years and 32% and 18% of the respondents have the experience of 5- 7 years.


18

16

4

3

46

97

4

1024

68

101214

1618

No. of

Respondents

Deutsche Bank. Kotak Mahindra Bank

Total Work Experience

2 -4 yrs

5 7 yrs

8 10 yrs

11 13 yrs

13 yrs & above


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From the survey done the intern comes to know that only one of the respondents of DEUTSCHE

Bank Lt., is an self employed and is having total turnover between Rs.30,00,001 45,00,000.

Whereas Kotak Mahindra Bank is having more self-employed customers having total turn over of

Rs.50,000 15,00,000

10. (b). What is your total IT Returns that you file.


0 0

1

0 0

4

3

1 1

3

0

0.51

1.5

2

2.53

3.5

4

No. of

Respondents

Deutsche Bank

.

Kotak Mahindra

Bank

Total Turnover

Rs. 50,000

15,00,000

Rs. 15,00,001

30,00,000

Rs. 30,00,001

45,00,000Rs. 45,00,001 60,

00,000

Rs.60,00,001 & above


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TABLE -10(b)

Sl No. IT Returns DEUTSCHE

Bank Ltd.

Kotak

Mahindra Bank

1. Rs. 0 2,00,000 1 7

2. Rs.2,00,001 4,00,000 0 3

3, Rs.4,00,001 8,00,000 0 1

4. Rs.8,00,001 & above 0 1

Total 1 12




CHART 10 (b)


From the survey done the intern comes to know that only one of the respondents of DEUTSCHE

Bank Ltd., is a self-employed and is having IT Returns between Rs.0 2,00,000.


1

0 0 0

7

3

1 1

0

12

3

4

5

6

7

No. of

Respondents

Deutsche Bank. Kotak Mahindra

Bank

IT Returns

Rs. 0 2,00,000

Rs.2,00,001 4,00,000

Rs.4,00,001 8,00,000Rs.8,00,001 & above


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Whereas 14% of the respondents of Kotak Mahindra Bank are having more IT Returns customers

between Rs.0 - 2,00,000.

11. What was the loan amount you have availed?

TABLE -11

Sl No. Loan Amount DEUTSCHE

Bank Ltd.

Kotak

Mahindra Bank

1. Rs50,000 4 0

2. Rs.50,001 2,00,000 29 33

3, Rs.2,00,001 5,00,000 4 9

4. More than Rs.5,00,001 4 1

Total 41 43




CHART 11



70/99


to Personal Loans


From the survey conducted the intern comes to know that 58% (29 respondents) and 66% (33

respondents) of the respondents of both the DEUTSCHE Bank Ltd., and Kotak Mahindra Bank is

between Rs.50,000 Ra. 2,00,000.

12. What was the tenure period?


4

29

4 40

33

9

10

5

10

15

20

25

30

35

No. of

Respondents

Deutsche Bank . Kotak Mahindra

Bank

Loan Amount Availed

Rs50,000

Rs.50,001 2,00,000

Rs.2,00,001 5,00,000

More than Rs.5,00,001


71/99


to Personal Loans

TABLE -12

Sl No. No. of Years (Tenure) DEUTSCHE

Bank Ltd.

Kotak

Mahindra Bank

1. 1 Year 5 4

2. 2 Years 4 4

3, 3 Years 21 27

4. 4 Years 10 6

5. 5 Years 2 0

Total 42 41




CHART 12



5 4

21

10

2 4 4

27

6

00

5

10

15

20

25

30

No. of

Respondents


Tenure Period

1 Year

2 Years

3 Years

4 Years

5 Years


72/99


to Personal Loans

From the survey conducted the intern comes to know that 42% of the respondents i.e 21

respondents of DEUTSCHE Bank Ltd., and 54% of the respondents i.e 27 respondents of Kotak

Mahindra Bank has availed the personal loan for the tenure period of 3 years.

13. What was the Interest Rate Charges?

TABLE -13

Sl No. Interest Rate Charged DEUTSCHE

Bank Ltd.

Kotak

Mahindra Bank

1. Less then 11% 5 02. 12 14 % 22 26

3, 15 17 % 16 7

4. 18 20% 2 9

5. More than 20% 0 1

Total 45 43




CHART 13



73/99


to Personal Loans


From the survey conducted the intern comes to know that the interest rate charges for 44%

respondents i.e 22 respondents of DEUTSCHE Bank Ltd and 52% respondents i.e 26

respondents of Kotak Mahindra Bank was between 12% - 14% and the rest 32% & 14% of the

respondents of both the banks were charges 15% - 17% of interest rates.


5

22

16

20 0

26

79

10

5

10

15

20

25

30

No. of

Respondents


Interest Rate Charged

Less then 11%

12 14 %

15

Date post:	10-Apr-2018
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