Research Proposal

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A survey among students (both before and after) and parents about their preferred educational loan provider, and reasons thereof. A comparative study of features and procedures of education loans of SBI and its main competitor in the city

Acknowledgement

* I would like to acknowledge the Opportunity provided to me by SBI to undertake this project. Through this project I got to knew many ground realities of the market.

Table of Content
| Content| Page No.|
1. | Executive Summary| 1|
2. | Overview of Education Industry| 2|
| Education Funding and National Growth| 4|
3. | Overview of Education Loan Industry| 5|
4. | RESEARCH METHODOLOGY| 6|
| RESEARCH STATEMENT| 6|
| RESEARCH OBJECTIVE| 6|
| RESEARCH DESIGN| 7|
| SAMPLE SIZE| 7|
| SAMPLING TECHNIQUE| 7|
| TOOLS FOR DATA COLLECTION| 8|
| TOOLS FOR DATA ANALYSIS| 8|
5. | SCOPE OF THE STUDY| 9|
6. | LIMITATIONS OF THE STUDY| 10|
7. | Statistical Analysis of Survey| 11-18|
8. | Findings of the Survey | 19|
9. | comparative study of features and procedures of education loans of SBI and its main competitor| 20-37| 10. | Findings of the Comparative Study| 39|
11. | reccomendations| 40-41|
Annex.| Bibliography & Questionaaire|

Executive Summary
Education is central to the Human Resources Development and empowerment in any country. National and State level policies are framed to ensure that this basic need of the population is met through appropriate public and private sector initiatives. While government endeavours to provide primary education to all on a universal basis, higher education is progressively moving into the domain of private sector. With a gradual reduction in government subsidies higher education is getting more and more costly and hence the need for institutional funding in this area. Education Loan industry is growing with 53.51% CAGR and Commercial banks are gearing up to meet this need and has already developed several products to cater the need of Indian Citizens still lots of things to be done. With the implementation of Govt Policies and advent of private Banks and NBFC this segment has seen several changes over the period of time. Still SBI the financial mammoth of the Country is in Numero Uno position when it comes to funding this Sector. No Other Banks whether private or public or any NBFC is near to it in quantum and number of finance. As Per RBI Website Other significant Player in Education loan Market are Punjab National Bank, Bank of India and Bank of Baroda etc.

Overview of Education Industry
India has a fairly large and diversified education system. Its billion-plus population consists of a higher proportion of children and young individuals, especially in the age group of 6-24 years, which is the most prospective age group in terms of academic inclinations. This age group accounts for more than one-third of the India’s population. According to the National Knowledge Commission, for the first time in this decade, the total number of illiterates decreased from 329 million to 304 million. The literacy rate also increased from 18.3% in 1951 to 67.3% in 2004, as per HRD statistics. The National Literacy Mission aims at achieving 85% literacy at the end of the Eleventh 5-year plan (2007-2012). In order to achieve higher literacy rates, the government has been initiating programmes such as the Sarva Shiksha Abhiyan, which aims at achieving universal elementary education of satisfactory quality by 2010. Furthermore, the development of an Educational Development Index (EDI) for elementary education is perceived as a significant step towards imparting quality education. The country’s present education system comprises elementary (primary: class I – V and upper primary: classes VI – VIII), secondary (high school: class IX – XII) and higher / tertiary education (post-class XII), which consists of...
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