The Customer Preferences with Regard to the Retail Loan Schemes

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A
REPORT ON
“The Customer Preferences with regard to the Retail Loan schemes”

A CASE STUDY OF

DEVELOPMENT CREDIT BANK

SUBMITTED TO
ALL INDIA MANAGEMENT ASSOCIATION – CENTRE
FOR MANAGEMENT EDUCATION
MANAGEMENT HOUSE, 14 INSTITUTIONAL AREAS,
LODHI ROAD, NEW DELHI – 110003

BY
SAMIR KUMAR
SYNOPSIS CONTROL NO: 1326
REGISTRATION NO: 800220448

GUIDED BY:

MR. P.M.MOHAN

AREA SALES MANAGER

FOR THE PARTIAL FULFILMENT OF
POST GRDUATE & DIPLOMA IN MANAGEMENT

ACKNOWLEDGEMENT

The satiation and euphonies that accompany the successful completion of the task would be incomplete without the mention on of the people who made it possible because success is an optimal of hardwork, reseverance, missionary zeal, steadfast determination and most of all encouraging guidance. Therefore with immense pleasure &acknowledge all those people whose guidance and encouragement served as a platform for success.

I feel it’s my privilege to place on record warm salutation to DEVELOPMENT CREDIT BANK, BANGALORE and ALLIANCE BUSINESS ACADEMY, Bangalore who gave me opportunity to work on this project.

I sincerely thank Mr.P.M.Mohan as my project guide and for his cooperation .I would like to give utmost gratitude to him, without whose guidance, this project would not have been a reality.

I want to place my warm salutation to my beloved parents /friends who motivated me towards this project.

Finally I express my sincere gratitude to all those who directly/indirectly helped me in this project.

DECLARATION

I here by declare that this project entitled “THE CUSTOMER PREFERENCES WITH REGARD TO THE RETAIL LOAN SCHEMES” is a record independent research work carried out by me under the guidance and supervision of Mr.P.M.MOHAN during the academic year 2002-2004

I also declare this dissertation report has not been submitted at any time to any other university or institute for award of any degree or diploma /fellowship and other similar title of this or any other university.

Place: Bangalore Name: Samir Kumar Date: Reg no: 800220448

EXECUTIVE SUMMARY

The study was basically conducted to find the customer preferences with regard to the retail loan schemes in Bangalore city. The methodology adopted for the study was through a questionnaire. The sample size was 100 and convenient sampling being the technique for collection of data from the respondents.

The findings of the study include providing good service in terms of notice of reminders of reminders of loan payment and grant of excess time in case of default other than low interest rate and longer repayment period is expected from respondents. The survey also suggest the brand name was an important factor considered respondents are not so much aware of the development credit bank.

The bank has been suggested to educate the constituents regarding the advantages and disadvantages of the loan schemes, relaxing the procedural factors wherever possible. It can also introduce certain discount schemes during festival season.

The bank having a history of almost seventy five years and being one of the oldest banks has a great future ahead, if it becomes more customer focused with adoption of the latest technology can pose a severe threat for all other banks in the industry.

CONTENTS

CHAPTER – 1 INTRODUCTION TO THE INDUSTRY
➢ Evolution of the industry sector
➢ Meaning of bank
➢ Banking scenario in India
➢ Privatizations
CHAPTER 2 – COMPANY PROFILE
CHAPTER 3 – PRODUCT PROFILE
CHAPTER 4 – RESEARCH DESIGN
CHAPTER 5 – ANALYSIS AND INTERPRETATIOIN
CHAPTER 6 – SWOT ANALYSIS
CHAPTER 7 - FINDINGS
CHAPTER 8 – SUGGESTIONS AND RECOMMENDATIONS
CHAPTER 9 – CONCLUSION
CHAPTER 10 – BIBLIOGRAPHY...
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