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SYNOPSIS

RESEARCH PROJECT REPORT

On

A comparative study of personal loan and its profitability on the

performance of SBI and HDFC in Lucknow

Under Guidance of : Submitted by

Mr. Vinay Kumar Yadav Palak khandelwal

(Professor Assistant) MBA 4th semester

Roll Number: 1505470034

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TOPIC :- A comparative study personal loan and its profitability on

the performance of SBI and HDFC in Lucknow

1. INTRODUCTION AND REVIEW OF LITERATURE

There should be comparison between two biggest banks of India namely State

Bank of India (SBI) and Housing Development Financial Corporation (HDFC) on

Personal Loan provided by them.

Today personal loan is necessity for fulfill the requirement of family and provide

good life. Everyone wants a life in which all facilities are present which are so

costly so they move towards to various banks both public as well private banks for

loan

SBI banks are basically preferred by most of the people who are in government

jobs/public sector because of:-


1. Tax rebate
2. Lack of much funds
3. Interest rate

HDFC banks also choice of people because of:-


1. Easiness and low documentation
2. Service
3. Cooperative and relationship

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In this project study peoples are satisfied by both the banks but also want more

things like updating of services, technologies enhancement and ethics. If all the

banks focus on these things they get better growth in personal loan as well as

better response of people as today personal loan is required for fulfill the

requirement of life.

3. SCOPE OF STUDY

I. After the conducting this study the finding in result of the study will be very help full

in designing financial strategy of different bank


II. The research will also help full to the customer in getting personal loan from different

banks.
III. The conclusion of research give and opportunity to the government and the different

financial institution to make them aware about the banks financial instrument and

their performance in the market.

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Objective of study :-

1. To study various personal loans offered by SBI and HDFC in Luknow Market.
2. To examine and measure various loans and their financial performance on profitability of

the Banks.
3. To determine various factors that affect the personal loans performance.

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. Research Methodology:-

Research as a mean of getting knowledge can be carried out either arbitrarily or in a systematic

fashion. It is a purposive investigation.


Research may be a mean to know the small change and time forced upon us as individual or as a

society. Research as process involves defining the problem, formulating the hypothesis,

organizing and evaluating the data, deriving inference and conclusion after careful testing.

Research design:
Exploratory Research design
Area : Lucknow

Data collection:-

As data is required for any research activity. It is collected through secondary sources which are

available in annual reports of banks).


Statistical tools to be used:-
Simple percentage analysis: it states the frequency and percentage of the customer profile,

attitude and opinion regarding people

Proposed Chapterisation:-
1. Chapter one ; I. Introduction
II. Literature Review
2. Chapter two : I. Area of research
II. Scope of research
3. Chapter three : Objectives of study
4. Chapter four : Research methodology
5. Chapter five ; I. Analysis and interpretation

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II. Findings
6. Chapter Six : I. Recommendation
II. Conclusion
7. Chapter seven: I. Appendix
II. bibliography

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