Synopsis 1[1]

On “COMPARATIVE STUDY OF CREDIT APPRAISAL NORMS FOR HOME LOANS OF IDBI BANK AND IT’S COMPETITORS” Submitted to SIKKIM MANIPAL UNIVERSITY, RAIPUR

In Partial Fulfillment of the Requirement for the Award of the Degree of Master Of Business Administration

PROJECT SYNOPSIS Submitted by

Rabhitendra Banjare Roll No. - 540847058

MBA IV Semester Center Code - 01523

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PRESENT SCENARIO OF HOME LOANS IN INDIA: The present scenario of home loans in India is marked with growth and

competition; home loan has become much common in today’s world. Home loans market is much competitive now, with almost 10 to 12 players operating in this segment, the prominent ones being HDFC, IDBI, ICICI, LICHF, PNBHF, SBI etc. The home loans market is growing at a pace of 30% per annum, which is fairly a good rate of growth. The prices of real estate are rising consistently, due to continuous growth of population and limited land space available for use. There are various new products developed by the home loan companies now days some of them are home equity, loan for plot and the loan takeover schemes etc. This is again to become more competent and retain their market share. So, the present scenario of home loans shows good amount of growth and is heading for a bright future, as a house (shelter) is a necessity of everyone on earth

• OBJECTIVE: The main objective behind this assessment is: 1. To study home loans schemes of various banks and financial institutions. 2. Make a comparative analysis of home loans schemes of IDBI with its competitors in Raipur City. 3. To develop an ideal mechanism of credit appraisal for home loans by taking into consideration various factor affecting home loans. 4. To judge who is an ideal applicant for home loan. 5. To suggest / recommend the IDBI important areas of loan schemes for developing home loans more customer friendly and safe from banks point of view.

• Methodology: To achieve above-mentioned objectives the following procedure of data collection, analysis and interpretation was adopted. This study project requires the combination of primary and secondary data. Primary data regarding various loan schemes was collected from IDBI Raipur and other banks by visiting them, while some secondary data in the form of financial statement, information brochures was collected from various banks and institution. The comparative analysis has been done by taking into consideration various parameters and home loan schemes of respective bank. Considering various factors affecting home loan schemes appropriate mechanism of appraisal was used. Based on the information collected from various institutions, a graphical presentation with percentage weight age has been calculated for judging an ideal applicant for home loan scheme.

Synopsis

How to prepare Synopsis before report

Monika, while preparing synopsis for project following points should be covered 1. introduction to topic. 2. statement of problem. 3. hypothesis for study. 4. objectives of study. 5. scope of study. 6. importance of study (to the organisation and not to candidate) 7. methodology a. data required b. data sources. c. analysis of data. 8. instrument for data collection. 9. samplling 10. methodology to carry out research (descriptive presentation) 11. Chapterisation 12. limitations of study 13. future scope for further research.

About Cover page and Title Page:



A PROJECT REPORT Under the guidance Of

______________________________ Submitted by

______________________________ in partial fulfillment o f the requirement for the award of the degree

Of

MBA IN

[Finance/Marketing/Human Resource Management/Information Systems/ Banking/Retail Operations/ Operations Management/ Project Management/ Total Quality Management]

&

MF0004

INTERNAL AUDIT AND CONTROL

ASSIGNMENT SET - 2 RABHITENDRA BANJARE MBA THIRD SEMSTER ROLL NO. 520847058 DATE: -27.11.2009 PLACE: - RAIPUR, CHHATTISGARH

SIKKIM MANIPAL UNIVERSITY BITS & BYTES COMPUTERS