A Study on Retail Loans

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A PROJECT REPORT
On

COMPREHENSIVE STUDY OF RETAIL LOANS

undertaken at
“PUNJAB NATIONAL BANK LTD”
For the partial fulfillment of award of degree
“MASTER OF BUSINESS ADMINISTRATION”
2009-2011

SUBMITTED TO:- SUBMITTED BY:-

Ms RITU GUPTA Abhishek ROLL NO. 558/MBA/09 M.B.A. 4th SEMESTER

P.D.M. COLLEGE OF ENGINEERING, BAHADURGARH

MAHARSHI DAYANAND UNIVERSITY, ROHTAK

SIGNIFICANCE OF THE STUDY :-

Each and every study has some significance. The significance of my study is to find out the preferences of the various customers regarding the various Banking Institiution. In today’s scenario there are various Banking Instittutions available in the market which are providing various Banking service regarding the loan facility and each having its distinct features. Now a day’s the customer have various options so they have to choose the best option available in the market. This study also helps in finding out the market share of the various Banking Istittutioins. This study also helps in knowing the best banking institutution that provides different type of loan and advertisement strategies of the various Banking Institutions. This study also helps in doing the comparative analysis of the institution in banking sector which are providing different type of loans in the market.

OBJECTIVE OF STUDY :-
The study is the part of academic curriculum of 2 years MBA therefore the primary objective of this study is to fulfill the requirement for the award of MBA degree of Maharshi Dayanand University , Rohtak. The present study was carried out with the objective to know Scope of retail loans in Panipat and its various catchment areas of Bank of Punjab Ltd. so as to know strength and weakness of loan schemes of Bank of Punjab Ltd. so that strengths can be increased and weaknesses can be made “the best” in banking field.

REASEARCH

METHODOLOGY

RESEARCH METHODOLOGY :-
Research Methodology in a way is systematic representation of research or any other problem. It is a written game plan for conducting research. It tends to describe the step taken by a researcher in studying the research problem along with a logical background. It tends to describe methodology for solution of the problem that has been taken for the purpose of study this project focuses on the methodology for technique used for the collection, classification & tabulation of the data. This plan throws light on the research problem, the objective of study & limitation of the study. Therefore, in order to solve a problem, it is necessary to design a research methodology for problem as the same way differs from problem to problem.

The Projects :-
The project undertaken during the summer training at “Bank of Punjab Ltd.” was “Comprehensive study of Retail loans. The main aim of the study is to understand the “Retail Loans” provided by “Bank of Punjab Ltd.” It is the bank which understand the need of it customers & provides them best facility. Nature of study :-

The nature of the study is that it has an applied base. The statement indicated that result obtained from the study, inference drawn from the study can actually be appled practically & can be of great help to the customer to know about Retail loans in more comprehensive way.

Scope of study :-
The study is restricted to Panipat itself. It aims at getting an insight in to Retail loan. It also aims at familiarized with the customer during the market survery help me a lot inunderstanding the pratical aspect of the loan as a whole .

Objective of study :-
The main objective of the study is to understand the Retail loans provided...
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