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REVIEW OF L ITERATURE

Certain related studies have been gone through and reviews of such studies have been presented

here:

1.

SUMAN JAIN

1

(Ethiraj Collage for Women) A study on personal loan of

1

HDFC. In theyear of 2008-2009. To identify loans types & disbursement by HDFC and concluded

personal loans are disbursed without complex procedures, mechanism in such a way it

earns a good return, where there are no defaulters. to make the customer aware of theschemes and the offers, the bank should position its brand, market analysis and the

customer research. the bank must manage its working sometimes they need a loan for

medical emergency and car repairs to makes the aware of the offers and schemes.personalloan as well as better response of people as today Personal loan is required for fulfil the

requirement of life.

2. SHAMILKUMAR.Y.H2 (Institute of Management Studies)Evaluation of customersatisfaction on personal loan (HDFC & ICICI)during the year of 2009 to 2010.focusingIt is help to understand that the technology in banking as well as how its effect on customer.

Overall customer satisfaction is good for the ICICI compare to HDFC. It helps to poor and

middle income people. in this survey we got that more people are from middle class, theywant to fulfills their requirements. He is cover the cities only (hubli),sampling technique

non probability sampling(judgemental)

3. JASVEEN 3ICICI Financial Personal Loan its helpful marriage related expenses orchild higher education. ICICI competitors like HDFC, reliance etc. There might have been a

tendency among the respondents to amplify or filter to their response under the testing

condition.

4. Ranjeet Singh4 Comparative Analysis of SBI & HDFC Bank (ACME Institute ofManagement & Technology)during the year of 2008 to 2011. To Focusing customersatisfaction, characteristics, To determine the other bank those are competing with the same

product rang in personal loan to conclude 45% of the government employee customer

prefer SBI & 30 % of the self-employed &business mans customer prefer HDFC. Customerprefer other bank like ICICI, PNB, BANK OF BARODA. SBI interest rate is very low so

most of the customer prefer , HDFC procedure of loan processing is very low comparing to

SBI. Bank offers free insurance, special co-branded debit cards which makes its productunique. Bank aim to serve from the teen agers to senior citizen. Low income class people

face difficulty to taking personal loan. Research type is descriptive research. Sampling

technique is convenience technique.

11.Published by: Suman Jain on Jun 11.2011WWW.APNALOAN.COM/WWW.HDFCBANK.COM/WWW.iseekloan.com

2.Published by: Suresh Babu Reddy on Sep 21.2010

3Published by: Utkarsh Sethi on Oct 30, 2010. bank bazaar.com

4.Published by:Arvind Mahandhwalon Jan 27, 2011

www.hdfcbank.com/www.sbibank.com/www.google.com

http://www.apnaloan.com/http://www.apnaloan.com/http://www.apnaloan.com/http://www.hdfcbank.com/http://www.hdfcbank.com/http://www.hdfcbank.com/http://www.iseekloan.com/http://www.iseekloan.com/http://www.iseekloan.com/http://www.scribd.com/amahandhwalhttp://www.scribd.com/amahandhwalhttp://www.scribd.com/amahandhwalhttp://www.hdfcbank.com/www.sbibank.com/www.google.comhttp://www.hdfcbank.com/www.sbibank.com/www.google.comhttp://www.hdfcbank.com/www.sbibank.com/www.google.comhttp://www.scribd.com/amahandhwalhttp://www.iseekloan.com/http://www.hdfcbank.com/http://www.apnaloan.com/

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5 RAJNI 6(Rukmini Devi Institute of Advanced Studies), New Delhi. A STUDY ON HOME LOAN

OF HDFC during the year 2004 to 2008 focused to disbursement loans, customer satisfaction

&face problems. Concluded disbursement process is also it will take low time when compare to

other bank. Customer satisfaction is good HDFC for compare to standard chartered bank and other

public sector bank. Problems are customer do not have proper knowledge, procedural delays,attitude of bank employers for non cooperative, do not take into account the paying capacity of

customers. The sample size consists of both the professional and business class people. IT people,

jewellers, doctors, timber merchants & real estate are takes as sample. Data has been presented in

bar graph, pie chart and line graphs.

6 Rohit 7(institution of business management )New Delhi. A STUDY ON HOME LOAN INICICI during period ( 2008 to 2010) findings of various benefits to the customer,

government, builders and HFCs Banks.it concluded There is a growing tendency of

investing at a younger age, increase in NRI demand in real estate, increased urbanization,owning property now more economical than renting. Builders is now a days focusing on end

users rather than Investors and there is improvement in quality of constructions. heapplicants applying for Home Loans were of young age as compared to past 10 years. Thenthe applicants ranging above 45 years were more in number applying but now there are

applicants of even 25-30 years. the Self Employed Non Professionals i.e., business

personswho are involved in their family business apply for Home Loans. Salaried are lessinnumber

7 MANPREET KAUR 8 (PUNJAB TECHNICAL UNIVERSITY), JALANDHAR A COMPARATIVESTUDY OF HOMELOANS PROVIDEBY COOPERATIVE BANK, PUNJAB NATI ONAL

BANK ANDSTATE BANK OF INDIAto identify different banks adopting procedure, customer

satisfaction & problems, purpose of taking loan. Concluding customer satisficing for cooperativebanks because customers feel secured while availing loans from Cooperative banks followed PNB or

SBI the main purpose of taking home loans is Construction followed by repairs, purchase or

improvement .Theloan amount provided by cooperative banks are 2 to 10 lakhs.

2

26.http://www.hdfcindia.com/ http://www.iloveindia.com/real-estate/housing-finance-Companies/hdfc.html

http://www.suncorp.com.au/suncorp/personal/home_loans./housing-development-financecorporation.html

http://www.hdfc.com.mv/faq.htmrev kams.docx

7.Published by:John Paulon Sep 23, 2010

Pandey I.M., Financial Management Chandra P.,FinancialManagement

Khan & Jain, Financial Management V.Sharan, Financial Institution & Services

Induction program book of ICICI Bank Ltd.

www.ICICIBank.com www.homeloans.com

8 Published by: Deepak Thakur on Aug 09, 2012 www.google.co www.sbi.co. www.deal4loans.com

http://www.rupeetalk.com /home-loan/compare-and-apply-pnb-home-loan/ http://www.investment

bazar.com/eligibilitycriteria/ http://www.pnbindia.in

http://www.hdfcindia.com/http://www.hdfcindia.com/http://www.hdfcindia.com/http://www.hdfc.com.mv/faq.htmhttp://www.hdfc.com.mv/faq.htmhttp://www.scribd.com/johnp_12http://www.scribd.com/johnp_12http://www.scribd.com/johnp_12http://www.icicibank.com/http://www.icicibank.com/http://www.homeloans.com/http://www.homeloans.com/http://www.deal4loans.com/http://www.deal4loans.com/http://www.pnbindia.in/http://www.pnbindia.in/http://www.pnbindia.in/http://www.deal4loans.com/http://www.homeloans.com/http://www.icicibank.com/http://www.scribd.com/johnp_12http://www.hdfc.com.mv/faq.htmhttp://www.hdfc.com.mv/faq.htmhttp://www.hdfcindia.com/

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9. SAURABH SHUKLA9 (I.T.S)( 2004-2006) COMPARATIVE STUDY OF

EDUCATION LOAN WITH REFERENCETO STATE BANK OF INDIA (SBI),

PUNJAB NATIONAL BANK (PNB)AND HSBC The Scheme aims at providing financialassistance to meritorious students for pursuing education in India and abroad. Maximum loan for

students in India Rs 7.50 lacs to 10.00 lacs or aboard Rs. 15-20 lacs by public banks .In private

banks, they provide minimum Rs. 50,000 to a maximum of Rs. 25,00,000 lacs . All banks havesame repayment facility i.e. one year after completion of course or 6months after securing a job,whichever is earlier. Research type is exploratory research.

10. Mr MAHENDRA. L.LENDE10

(SANTAJI MAHAVIDYALAYA, WARDHA ROAD,NAGPUR)( 2009-10) STUDY OF CAR LOAN SCHEME OF STATE BANK to

focus\Launch Innovative product, Customized advance products, Better customer services,

fastest customers problem solving techniques, Customer retention. Suggestions. SBI should

more concern about physical verification rather than phone verification so it will avoid fraud orcheating.Special scheme should be implemented to encourage both customer and agents. The bank shouldincrease the period for repayment of loan. SBI should more focus on Retaining existing customers. The bank

could sanction a maximum limit of Rs .15 lakhs. Persons eligible income not less than 10000.Repayment ofloan period is 18 months.

9.books

. IndianFinancial System and Commercial Banking , by IIBFmumbai (page no.259

management of Indian Financial - R.L.Gupta

Websites:-

www.pnbindia.com www.statebankofindia.com www.hsbc.com

10Solomon, Michael R. (2002), Consumer Behavior: Buying, Having, and Being. 5th Ed .New Jersey:

Prentice Hall Wilson A. (2003), Marketing Research: An Integrated Approach Naresh Ku. Malhotra,

Marketing Research: An Applied Orientation, Fifth Edition

Internet:www.google.co.in www.sbi.comwww.sbi.co.in

http://www.pnbindia.com/http://www.pnbindia.com/http://www.statebankofindia.com/http://www.statebankofindia.com/http://www.hsbc.com/http://www.sbi.co.in/http://www.sbi.co.in/http://www.sbi.co.in/http://www.sbi.co.in/http://www.hsbc.com/http://www.statebankofindia.com/http://www.pnbindia.com/

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11.Ayushi Jain11

(ITM University, Gwalior)Gold Loan of ICICI Bank to study on working of

the loan department, operational department, field investigation department,credit department,

then customer satisfaction..Any individual or firm in can get a loan. Former with age from 18 to

70 years,withgold ornaments of at least 18 carat purity.

12

12

(Punjab Technical University Jalandhar) (2007-2009) CUSTOMER SATISFACTIONTOWARDS J&K BANK WITH REFERECE TOCAR LOANS impact on personal selling onsales of our loan product, problems then remedies. J&K bank enjoys a large market share and

customer loyalty, but still it is not able to tap the potential customers because of the certain

loopholes in the scheme.so customer are shifting the SBI. The rate of interest, margin money ofJ&K bank is quite high in comparison with competitors. Formalities required are less and the

net annual income for availing loan is only Rs. 75000. The J&K bank should also start financing

second hand cars, to concentrate the study age of 20-50. sampling method is random&

judgemental. tools are used for tabulation of data, graphs are used for pictorial representation.

11, Link:-

http://10.16.168.211/businessgroups/legal/HTMLs/dms_gold.htm

Websites;

www.icicibank.com www.wikipedia.com

www.indiatimes.com

www.msnsearch.comwww.businessline.com

12 MarketingManagement by Philip Kotler. 2. Marketing Management by Rajan

Saxena.3.Marketing Research by G.C Beri. 4. Annual Reports of J&K Bank Ltd.

5. Yearly Journals of J&K Bank Ltd. 6. Magazines such as Business India Trust etc.

7.Websites of J&K Bank

www.jkbank.net www.jkbank.org3

http://www.msnsearch.com/http://www.msnsearch.com/http://www.businessline.com/http://www.businessline.com/http://www.businessline.com/http://www.msnsearch.com/