SUMMER INTERNSHIP

PROJECT
On
MARKETING STRATEGIES FOR
HOME LOAN
At
Punjab National Bank
(Sundergarh Branch)

Rourkela Institute of
Manae!ent Stu"ies

#$%

G&Srikant Rao

ACKNO'LE(GEMENT
It is sai") T*e !ost i!+ortant sinle ,or" is ,e an" t*e
-ero i!+ortant
sinle ,or" is I & T*is true e.en in to"a$ s !o"ern era& It
is a/solutel$
i!+ossi/le for a sinle in"i.i"ual to 0o!+lete t*e
assine" 1o/ ,it*out *el+
an" assistan0e fro! ot*ers&
It is !$ reatest +leasure to a0kno,le"e sin0ere
ratitu"e to,ar"s Mr& #eles*,ar Pra"*an 2#ran0*
Manaer3 Pun1a/ National #ank) Sun"erar*) for t*e
0o!+letion of t*e +ro1e0t ,ork&
I ,oul" also like to a0kno,le"e to !$ sin0ere ratitu"e
to t*e (ire0tor of
M$ institute Prof& G&N&Ma1*i an" !$ +ro1e0t ui"e Prof&
S&K&#is,al
for *el+in !e in t*is +ro1e0t ,ork&
I a! t*ankful to all of !$ frien"s an" /at0* !ates for
t*eir *el+ in
0o!+letin t*is +ro1e0t ,ork& Finall$) I a! t*ankful to
!$ entire fa!il$
!e!/ers for t*eir reat su++ort an" en0ourae!ent&

CERTIFICATE
T*is is to 0ertif$ t*at t*e +ro1e0t entitle"
44444444444444444444444444& Is a /onafi"e
re0or" of interi! re+ort 0arrie" out /$ Mr&
44444444444444444& a stu"ent of Rourkela Institute
of Manae!ent Stu"ies) Rourkela )/earin Uni.ersit$
Reistration Nu!/er 4444444444444444444444&&
2Session 5667856953 *as su00essfull$ 0o!+lete" *is su!!er
+ro1e0t for t*e +artial fulfill!ent of re:uire!ents of t*e a,ar"
of t*e "eree of #a0*elor of #usiness A"!inistration 2##A3 of
Sa!/al+ur Uni.ersit$) O"is*a& To t*e /est of !$ kno,le"e
an" /elief) t*is +ro1e0t is t*e oriinal effort an" 0ontri/ution
,*i0* *e *as ,orke" sin0erel$ un"er !$ ui"an0e in t*is
"uration& T*is Su!!er Pro1e0t re+ort *as not /een su/!itte"
earlier to t*is Uni.ersit$ or to an$ ot*er Uni.ersit$;Institutions&
'is*in *i! oo" lu0k for a su00essful 0areer an" all future
en"ea.or&

2Sinature of t*e Prin0+al of
Un"erra"uate Courses3
(ate%




(ECLERATION
I *ere/$ "e0lare t*at t*is Pro1e0t Re+ort entitle"
<Marketin Strateies= at PN# su/!itte" in t*e
+artial fulfill!ent of t*e re:uire!ent of
#a0*el or of #usi ness A"!i ni strati on
2##A3 of ROURKELA INSTITUTE OF
MANAGEMENT STU(IES) Rourkel a is
/ase" on +ri!ar$ > se0on"ar$ "ata foun" /$ !e
in .arious "e+art!ents) /ooks) !aa-ines an"
,e/sites > Colle0te" /$ !e in un"er ui"an0e of
Mr& #eles,ar Pra"*an)


TA#LE OF CONTENTS

INTRO(UCTION TO #ANKING IN
IN(IA
The banking section will navigate through all the
aspects of the
Banking System in India. It will discuss upon the
matters with the birth
of the banking concept in the country to new players
adding their
names in the industry in coming few years.
The banker of all banks, Reserve Bank of India
(RBI, the Indian Banks !ssociation (IB! and top "#
banks like I$BI, %SB&, I&I&I, !B' !(R), etc. has
been well defined under three separate heads with
one page dedicated to each bank.
%owever, in the introduction part of the entire
banking cosmos, the
past has been well e*plained under three different
heads namely+

, %istory of Banking in India

, 'ationali-ation of Banks in India

, Scheduled &ommercial Banks in India
The first deals with the history part since the dawn of
banking system
in India. .overnment took ma/or step in the 0121 to
put the banking
sector into systems and it nationali-ed 03 private
banks in the
mentioned year. This has been elaborated in
'ationali-ation Banks in
India. The last but not the least e*plains about the
scheduled and
unscheduled banks in India. Section 3" (2 (a of
RBI !ct 0143 lays
down the condition of scheduled commercial banks.
The description
along with a list of scheduled commercial banks are
given on this page
Histor$ of /ankin in In"ia
5ithout a sound and effective banking system in
India it cannot have a
healthy economy. The banking system of India
should not only be
hassle free but it should be able to meet new
challenges posed by the
technology and any other e*ternal and internal
factors.
6or the past three decades India7s banking system
has several
outstanding achievements to its credit. The most
striking is its
e*tensive reach. It is no longer confined to only
metropolitans or
cosmopolitans in India. In fact, Indian banking
system has reached
even to the remote corners of the country. This is
one of the main
reasons of India7s growth process.
The government7s regular policy for Indian bank
since 0121 has paid
rich dividends
5ith the nationali-ation of 03 ma/or private banks of
India.
'ot long ago, an account holder had to wait for
hours at the bank
counters for getting a draft or for withdrawing his
own money. Today,
he has a choice. .one are days when the most
efficient bank
transferred money from one branch to other in two
days. 'ow it is
simple as instant messaging or dials a pi--a. (oney
has become the
order of the day.
The first bank in India, though conservative, was
established in 0892.
6rom 0892 till today, the /ourney of Indian Banking
System can be
segregated into three distinct phases. They are as
mentioned below+
,
:arly phase from 0892 to 0121 of Indian Banks
,
'ationali-ation of Indian Banks and up to 0110 prior
to Indian
banking sector Reforms.
,
'ew phase of Indian Banking System with the
advent of Indian
6inancial
; Banking Sector Reforms after 0110
To make this write<up more e*planatory, I prefi* the
scenario as =hase
I, =hase II and =hase III.
=hase I
The .eneral Bank of India was set up in the year
0892. 'e*t came
Bank of %industan and Bengal Bank. The :ast India
&ompany
established Bank of Bengal (09#1, Bank of Bombay
(093# and Bank
of (adras (0934 as independent units and called it
=residency Banks.
These three banks were amalgamated in 01"# and
Imperial Bank of
India was established which started as private
shareholders banks,
mostly :uropeans shareholders.
In 092> !llahabad Bank was established and first
time e*clusively by
Indians, =un/ab 'ational Bank ?td. was set up in
0913 with
head@uarters at ?ahore. Between 01#2 and 0104,
Bank of India,
&entral Bank of India, Bank of Baroda, &anara
Bank, Indian Bank, and
Bank of (ysore were set up. Reserve Bank of India
came in 014>.
$uring the first phase the growth was very slow and
banks also e*perienced periodic failures between
0104 and 0139. There were
appro*imately 00## banks, mostly small. To
streamline the functioning
and activities of commercial banks, the .overnment
of India came up
with The Banking &ompanies !ct, 0131 which was
later changed to
Banking Regulation !ct 0131 as per amending !ct
of 012> (!ct 'o. "4
of 012>. Reserve Bank of India was vested with
e*tensive powers for
the supervision of banking in India as the &entral
Banking !uthority.
$uring those dayAs public has lesser confidence in
the banks. !s an
aftermath deposit mobili-ation was slow. !breast of
it the savings bank
facility provided by the =ostal department was
comparatively safer.
(oreover, funds were largely given to traders.
=hase II
.overnment took ma/or steps in this Indian Banking
Sector Reform
after independence. In 01>>, it nationali-ed Imperial
Bank of India
with e*tensive banking facilities on a large scale
especially in rural and
semi<urban areas. It formed State Bank of India to
act as the principal
agent of RBI and to handle banking transactions of
the Bnion and
State .overnments all over the country.
Seven banks forming subsidiary of State Bank of
India was
nationali-ed in 012# on 01th Culy, 0121, ma/or
process of
nationali-ation was carried out. It was the effort of
the then =rime
(inister of India, (rs. Indira .andhi. 03 ma/or
commercial banks in
the country were nationali-ed.
Second phase of nationali-ation Indian Banking
Sector Reform was
carried out in 019# with seven more banks. This
step brought 9#D of
the banking segment in India under .overnment
ownership.
The following are the steps taken by the
.overnment of India to
Regulate Banking Institutions in the &ountry+
0131+ :nactment of Banking Regulation !ct.
01>>+ 'ationali-ation of State Bank of India.
01>1+ 'ationali-ation of SBI subsidiaries.
0120+ Insurance cover e*tended to deposits.
0121+ 'ationali-ation of 03 ma/or banks.
0180+ &reation of credit guarantee corporation.
019#+ 'ationali-ation of seven banks with deposits
over "##
crore.
!fter the nationali-ation of banks, the branches of
the public sector
bank India rose to appro*imately 9##D in deposits
and advances took
a huge /ump by 00,###D.
Banking in the sunshine of .overnment ownership
gave the public
implicit faith and immense confidence about the
sustainability of these
institutions.
=hase III
this phase has introduced many more products and
facilities in the
banking sector in its reforms measure. In 0110,
under the
chairmanship of ( 'arasimham, a committee was
set up by his name
which worked for the liberali-ation of banking
practices.
The country is flooded with foreign banks and their
!T( stations.
:fforts are being put to give a satisfactory service to
customers. =hone
banking and net banking is introduced. The entire
system became
more convenient and swift. Time is given more
importance than
money.
The financial system of India has shown a great deal
of resilience. It is
sheltered from any crisis triggered by any e*ternal
macroeconomics
shock as other :ast !sian &ountries suffered. This
is all due to a
fle*ible e*change rate regime, the foreign reserves
are high, the capital
account is not yet fully convertible, and banks and
their customers
have limited foreign e*change e*posure.
!fter the nationali-ation of banks, the branches of
the public sector
bank India rose to appro*imately 9##D in deposits
and advances took
a huge /ump by 00,###D.
Banking in the sunshine of .overnment ownership
gave the public
implicit faith and immense confidence about the
sustainability of these
institutions.
=hase III
this phase has introduced many more products and
facilities in the
banking sector in its reforms measure. In 0110,
under the
chairmanship of ( 'arasimham, a committee was
set up by his name
which worked for the liberalisation of banking
practices.
The country is flooded with foreign banks and their
!T( stations.
:fforts are being put to give a satisfactory service to
customers. =hone
banking and net banking is introduced. The entire
system became
more convenient and swift. Time is given more
importance than
money.
The financial system of India has shown a great deal
of resilience. It is
sheltered from any crisis triggered by any e*ternal
macroeconomics
shock as other :ast !sian &ountries suffered. This
is all due to a
fle*ible e*change rate regime, the foreign reserves
are high, the capital
account is not yet fully convertible, and banks and
their customers
have limited foreign e*change e*posure.

SCHE(ULE( COMMERCIAL #ANKS
IN IN(IA
The commercial banking structure in India consists
of+
Scheduled &ommercial Banks in India
Bnscheduled Banks in India
Scheduled Banks in India constitute those banks
which have been
included in the Second Schedule of Reserve Bank of
India (RBI !ct,
0143. RBI in turn includes only those banks in this
schedule which
satisfy the criteria laid down vide section 3" (2 (a of
the !ct.
!s on 4#th Cune, 0111, there were 4## scheduled
banks in India
having a total network of 23,109 branches. The
scheduled commercial
banks in India comprise of State bank of India and
its associates (9,
nationali-ed banks (01, foreign banks (3>, private
sector banks (4",
co<operative banks and regional rural banks.
EScheduled banks in IndiaE means the State Bank of
India constituted
under the State Bank of India !ct, 01>> ("4 of
01>>, a subsidiary
bank as defined in the State Bank of India
(Subsidiary Banks !ct,
01>1 (49 of 01>1, a corresponding new bank
constituted under
section 4 of the Banking &ompanies (!c@uisition
and Transfer of
Bndertakings !ct, 018# (> of 018#, or under
section 4 of the Banking
&ompanies (!c@uisition and Transfer of
Bndertakings !ct, 019# (3# of
019#, or any other bank being a bank included in
the Second
Schedule to the Reserve Bank of India !ct, 0143 ("
of 0143, but does
not include a co<operative bankE.
E'on<scheduled bank in IndiaE means a banking
company as defined in
clause (c of section > of the Banking Regulation
!ct, 0131 (0# of
0131, which is not a scheduled bankE.
The following are the Scheduled Banks in India
(=ublic Sector+
State Bank of India =un/ab
and Sind Bank
Bnited Bank of India Syndicate
Bank
B&) Bank Bnion
Bank of India
Fi/aya Bank
State Bank of Bikaner and Caipur
State Bank of %yderabad
State Bank of Indore
State Bank of (ysore
State Bank of Saurashtra
State Bank of Travancore
!ndhra Bank
!llahabad Bank
Bank of Baroda
Bank of India
Bank of (aharashtra
&anara Bank
&entral Bank of India
&orporation Bank
$ena Bank
Indian )verseas Bank
Indian Bank
)riental Bank of &ommerce
=un/ab 'ational Bank
The following are the Scheduled Banks in India
(=rivate
Sector+
I'. Fysya Bank ?td
!*is Bank ?td
Indusind Bank ?td
I&I&I Bank ?td
South Indian Bank
%$6& Bank ?td
&enturion Bank ?td
Bank of =un/ab ?td
I$BI Bank ?td
The following are the Scheduled 6oreign Banks in
India+
!merican :*press Bank ?td. Standard
&hartered Bank.
!'G .ridlays Bank =lc. %ongkong and
Shanghai Banking &orporation
Bank of !merica 'T ; S! The &hase
(anhattan Bank ?td.
Bank of Tokyo ?td. $resdner Bank !..
Ban@uc 'ationale de =aris
Barclays Bank =lc
&iti Bank '.&.

#ANKING SER?ICES IN IN(IA
5ith years, banks are also adding services to their
customers. The
Indian banking industry is passing through a phase
of customers
market. The customers have more choices in
choosing their banks. !
competition has been established within the banks
operating in India.
5ith stiff competition and advancement of
technology, the services
provided by banks have become more easy and
convenient. The past
days are witness to an hour wait before withdrawing
cash from
accounts or a che@ue from north of the country
being cleared in one
month in the south.
This section of banking deals with the latest
discovery in the banking
instruments along with the polished version of their
old systems.


#ANK ACCOUNT
The most common and first service of the
banking sector. There are
different types of bank account in Indian banking
sector. The bank
accounts are as follows+
Bank Savings !ccount < Bank Savings !ccount
can be opened for eligible person H persons and
certain organi-ations H agencies (as advised by
Reserve Bank of India (RBI from time to time
Bank &urrent !ccount < Bank &urrent !ccount
can be opened by
individuals H partnership firms H =rivate and
=ublic ?imited
&ompanies H %B6s H Specified !ssociates H
Societies H Trusts, etc.
Bank Term $eposits !ccount < Bank Term
$eposits !ccount can
be opened by individuals H partnership firms H
=rivate and =ublic
?imited &ompanies H %B6sH Specified
!ssociates H Societies H
Trusts, etc.
Bank !ccount )nline < 5ith the advancement of
technology, the ma/or banks in the public and
private sector has faciliated their customer to
open bank account online. Bank account online
is registered through a =& with an internet
connection. The advent of bank account online
has saved both the cost of operation for banks
as well as the time taken in opening an account.

MISSION BACKGROUND
In the year 1996 Reserve Bank of India introd!ed
the syste" of #ri"ary Dea$ers %ith a vie% to
stren&then the instittiona$ infrastr!tre of
Govern"ent Se!rities "arket' Si( entities %ere
&ranted $i!enses of %hi!h #NB Gi$ts %as
one' )he Co"*any %as esta+$ished as a %ho$$y
o%ned s+sidiary of #UN,AB NA)IONA- BANK
%ith an initia$ *aid * !a*ita$ of Rs'./ !rores
%hi!h is a$so the "ini"" !a*ita$ re0ire"ent for
a #ri"ary Dea$er'

ORIGIN OF PUNJA# NATIONAL
#ANK

=un/ab under the British especially after anne*ation
in 0931 witnessed a period of rapid development
giving rise to a new educated class fired with a
desire for freedom from the yoke of slavery.
!mongst the cherished desires of this new class
was also an overriding ambition to start a Swadeshi
Bank with Indian &apital and management
representing all sections of the Indian community.
The idea was first mooted by Rai (ool Ra/ of !rya
Sama/ who, as reported by ?al ?a/pat Rai, had long
cherished the idea that Indians should have a
national bank of their own. %e felt keenly Ethe fact
that the Indian capital was being used to run :nglish
banks and companies, the profits accruing from
which went entirely to the Britishers whilst Indians
had to contend themselves with a small interest on
their own capitalE.
!t the instance of Rai (ool Ra/, ?ala ?a/pat Rai sent
round a circular to selected friends insisting on an
Indian Coint Stock Bank as the first special step in
constructive Swadeshi. ?ala %arkrishan ?al who had
returned from :ngland with ideas regarding
commerce and industry, was eager to give them
practical shape.
)n (ay "4, 0913, the efforts materiali-ed. The
founding board was drawn from different parts of
India professing different faiths and a varied back<
ground with, however, the common ob/ective of
providing country with a truly national bank which
would further the economic interest of the country.
The Bank opened for business on 0" !pril, 091>.
The first Board of 8 $irectors comprised of Sardar
$ayal Singh (a/ithia, who was also the founder of
$ayal Singh &ollege and the TribuneI ?ala ?alchand
one of the founders of $!F &ollege and =resident of
its (anagement SocietyI Jali =rosanna Roy,
eminent Bengali pleader who was also the &hairman
of the Reception committee of the Indian 'ational
&ongress at its ?ahore session in 01##I ?ala
%arkishan ?al who became widely known as the first
industrialist of =un/abI :& Cessawala, a well known
=arsi merchant and partner of Camshed/i ; &o. of
?ahoreI ?ala =rabhu $ayal, a leading Rais,
merchant and philanthropist of (ultanI Bakshi Caishi
Ram, an eminent &ivil ?awyer of ?ahoreI and ?ala
$holan $ass, a great banker, merchant and Rais of
!mritsar. Thus a Bengali, =arsi, a Sikh and a few
%indus /oined hands in a purely national and
cosmopolitan spirit to found this Bank which opened
its doors to the public on 0"th of !pril 091>. They
went about it with a (issionary Geal. Sh. $ayal
Singh (a/ithia was the first &hairman, ?ala
%arkishan ?al, the first secretary to the Board and
Shri Bulaki Ram Shastri Barrister at ?ahore, was
appointed (anager.
! (aiden $ividend of 3D was declared after only 8
months of operation. ?ala ?a/pat Rai was the first to
open an account with the bank which was housed in
the building opposite the !rya Sama/ (andir in
!narkali in ?ahore. %is younger brother /oined the
Bank as a (anager. !uthorised total capital of the
Bank was Rs. " lakhs, the working capital was Rs.
"####. It had total staff strength of nine and the total
monthly salary amounted to Rs. 4"#.
The first branch outside ?ahore was opened in
Rawalpindi in 01##. The Bank made slow, but
steady progress in the first decade of its e*istence.
?ala ?a/pat Rai /oined the Board of $irectors soon
after. in 0104, the banking industry in India was hit
by a severe crisis following the failure of the =eoples
Bank of India founded by ?ala %arkishan ?al. !s
many as 89 banks failed during this crisis. =un/ab
'ational Bank survived. (r. C% (aynard, the then
6inancial &ommissioner, =un/ab, remarked....EKour
Bank survived...no doubt due to good managementE.
It spoke volumes for the measure of confidence
reposed by the public in the Bank7s management.
The years 01"2 to 0142 were turbulent and loss
ridden ones for the banking industry the world over.
The 01"1 5all Street crash plunged the world into a
severe economic crisis.
It was during this period that the Calianwala Bagh
&ommittee account was opened in the Bank, which
in the decade that followed, was operated by
(ahatma .andhi and =andit Cawaharlal 'ehru. The
five years from 0130 to 0132 were ones of
unprecedented growth. 6rom a modest base of 80,
the number of branches increased to "89. $eposits
grew from Rs. 0# crores to Rs. 2" crores. )n (arch
40, 0138, the Bank officials decided to leave ?ahore
and transfer the registered office of the Bank to
$elhi and permission for transfer was obtained from
the ?ahore %igh &ourt on Cune "#, 0138.
='B was then housed in the precincts of Sreeniwas
in the salubrious &ivil ?ines, $elhi. (any a staff
member fell victim to the widespread riots in the
discharge of their duties. The conditions deteriorated
further. The Bank was forced to close 1" offices in
5est =akistan constituting 44 percent of the total
number and having 3#D of the total deposits. The
Bank, however, continued to maintain a few
caretaker branches.
The Bank then embarked on its task of rehabilitating
the displaced account holders. The migrants from
=akistan were repaid their deposits based upon
whatever evidence they could produce. Such
gestures cemented their trusts in the bank and ='B
became a symbol of Trust and a name you can bank
upon. Surplus staff posed a big problem. 6ast
e*pansion became a priority. The policy paid rich
dividends by opening up an era of phenomenal
growth.
In 01>0, the Bank took over the assets and liabilities
of Bharat Bank ?td. and became the second largest
bank in the private sector. In 012", it amalgamated
the Indo<&ommercial Bank with it. 6rom its dwindled
deposits of Rs. 34 crores in 0131 it rose to cross the
Rs. 4>> crores mark by the Culy 0121. Its number of
offices had increased to >21 and advances from Rs.
01 crores in 0131 to Rs. "34 crores by Culy 0121
when it was nationalised.
Since inception in 091>, ='B has always been a
E=eople7s bankE serving millions of people
throughout the country and also had the proud
distinction of serving great national leaders like
Sarvshri Cawahar ?al 'ehru, .obind Ballabh =ant,
?al Bahadur Shastri, Rafi !hmed Jidwai, Smt. Indira
.andhi etc. amongst other who banked with us.

-OGIC O1 )23 -OGO
3sta+$ished in 149. at -ahore5 then ndivided
India5 #n6a+ Nationa$Bank 7#NB8 has the
distin!tion of +ein& the first Indian +ank to have
+een startedso$e$y %ith Indian !a*ita$' )he +ank %as
nationa$i9ed in ,$y 1969 a$on& %ith 1:other +anks'
1ro" its "odest +e&innin&5 the +ank has &ro%n in
si9e and statre to +e!o"e a front;$ine +ankin&
instittion in India at *resent' It has "ore than
</// +r an!hes and over <// e(t ensi on
!ont er s' St r on& !or r es*ondent
+anki n&re$ationshi*5 %hi!h it "aintains %ith over
=// $eadin& internationa$ +anks a$$ over the %or$d5
enhan!es its !a*a+i$ities to hand$e transa!tions
%or$d%ide' More than./ reno%ned internationa$
+anks "aintain their R*ee A!!onts %ith
#NB'>ith its *resen!e virta$$y in a$$ the i"*ortant
!enters of the !ontry5 #NB offersa %ide variety of
+ankin& servi!es %hi!h in!$de !or*orate and
*ersona$ +ankin&5indstria$ finan!e5
a&ri!$tra$ finan!e5 finan!in& of trade and
internationa$ +ankin&' )he $ar&e *resen!e and vast
resor!e +ase have he$*ed the +ank to +i$dst r on&
$ i nks %i t h t r ade and i ndst r y' At t he
sa"e t i "e5 t he +ank has +een!ons!ios of its
so!ia$ res*onsi+i$ities +y finan!in& a&ri!$tre and
a$$ied a!tivitiesand s"a$$;s!a$e indstries')he +ank
is !o""itted to "aintainin& the hi&hest standards of
servi!e and %i$$ +e!overin& "ore offi!es nder this
0a$ity "ove"ent tit$ed ?A$$ian!e %ith @a$ity

Pun1a/ Kes*ari Lala La1+at Rai
(Saluting the spirit of our founding
father



29@AB8975@3

The ?ife and Times of ?ala ?a/pat Rai
There are few leaders of the pre<independence era
who, after having plunged themselves into the
political struggle, continued to take an active interest
in social, cultural and educational work. ?ala ?a/pat
Rai was one of such leaders. Born on "9th Canuary,
092> at a small village, $hudike in the 6ero-epur
district of =un/ab, he belonged to the !garwal
Baniya caste and it was perhaps because of this, in
addition to taking part in social and political life of the
country, he took keen interest in industrial and
financial matter also. %is father was a teacher of
=ersian and Brdu in a government school.
%aving passed the final e*amination in ?aw from
=un/ab Bniversity, he started his practice in0994,
when he was barely 09 years old. :ndowed with a
rich legacy of moral and intellectual background,
?ala ?a/pat Rai had benefit of education in the
practical rationalism of western science combined
with the religious purity and moral elevation of
:astern literature that put on him the hallmark of true
culture. 5hile sympathi-ing with and aiding every
movement made for progress, ?ala ?a/pat Rai
identified himself very closely with !rya Sama/, in
which he found ample scope for the e*ercise of his
patriotism, philanthropy and religious -eal.
%aving @ualified as a pleader, ?ala ?a/pat Rai
started practice at %issar and soon became a
leading lawyer of the district. %e organi-ed the !rya
Sama/ there and put it on proper lines. In 091", he
transferred his practice to the wider field at
?ahore.:ducation, both secular and religious, was in
?ala ?a/pat RaiAs view an important factor in national
development. %e took part in the foundation of the
$.!.F. &ollege at ?ahore.

?ala/i and =olitics
?ala ?a/pat Rai always felt drawn towards politics. It
was in 0999 that he /oined the Indian 'ational
&ongress when it met at !llahabad under the
presidency of (r. .. Kule. In 01#>, the Indian
'ational &ongress &ommittee having recogni-ed in
him an austere, sincere and selfless devoted worker
selected him as one of its delegates to place before
the British, the political grievances of the Indian
people. %e met the e*penses of his trip from his own
pocket. %e along with .okhale carried on the
political campaign in various parts of :ngland and
brought home to the mind of the British, the evils of
an unsympathetic and bureaucratic government
under which India was labouring and pleaded in
elo@uent language, adding facts and figures in
supporting their contention, cause of the half
starving and half dying people of India. ?ala ?a/pat
Rai created an impression on the :nglish =opulace.
!fter his return from :ngland, he was busy devising
and organi-ing ways and means for political
advancement and industrial emancipation of the
country.
The movement of LSwadeshiM was in the offing and
he put his heart and soul into it. %e preached the
message of Swadeshi to the people of =un/ab and
made it very popular. This naturally enraged the
bureaucracy and he came to be regarded as a
revolutionary by the Britishers and the !nglo<Indian
press. %e was openly dubbed as a Revolutionary
and an instigator of the armed forces.
The Calianwala Bagh tragedy and the .overnment7s
denial to censure the conduct of its officers made
him a complete non cooperator. %e lost his faith in
the British and threw himself whole heartedly into
the non<cooperation movement&In 01">, he /oined
the Swara/ =arty and became its deputy leader. %e
took active part in the deliberations of the debates of
the !ssembly. It was he, who moved the resolution
for the Boycott of the Simon &ommission in the
!ssembly. It was while leading the boycott
procession at ?ahore on the 4#th )ctober, 01"9 that
he received lathi blows on his chest which ultimately
brought about his death on the 08th 'ovember,
01"9.


Lala La1+at Rai an" PN#
?ala/i was keenly concerned with the fact that
though Indian capital was being used to run :nglish
Banks and companies, the profits went entirely to
the British, while Indians had to contend themselves
with a small interest on their capital. %e echoed this
sentiment in one of his writing while concurring with
Rai (ul Ra/ of !rya Sama/ who had long cherished
the idea that Indians should have a 'ational Bank of
their own. !t the instance of Rai (ul Ra/, ?ala ?a/pat
Rai sent a circular to selected friends insisting on an
Indian /oint stock Bank as the first step in
constructive Swadeshi and the response was
satisfactory
!fter filing and registering the memorandum and
!rticles of !ssociation on 01 (ay, 0913, the bank
was incorporated under !ct FI of the 099" Indian
&ompanies !ct. The prospectus of the bank was
published in the Tribune, and the Brdu !khbar<e<!m
and =aisa !khbar. )n "4rd (ay, 0913, the founders
met at the ?ahore residence of Sh. $yal Singh
(a/ithia, the first &hairman of ='B, and resolved to
go ahead with the scheme. They decided to hire a
house in the famous !narkali Ba-ar of ?ahore
opposite the post office and near well known stores
of Rama Brothers.)n 0"th !pril 091>, the Bank
opened for business, a day before the great =un/ab
festival of Baishakhi. The essence of the BankAs
culture was clear at this first meeting itself. The
fourteen original shareholders and seven directors
took only a modest number of sharesI the control of
the Bank was to lie with the large, dispersed
shareholders, a purely professional approach that
was as uncommon then as it is today.

PROFILE
5ith over 2# million satisfied customers and more
than >0## offices including > overseas branches,
='B has continued to retain its leadership position
amongst the nationali-ed banks. The bank en/oys
strong fundamentals, large franchise value and good
brand image. Besides being ranked as one of India7s
top service brands, ='B has remained fully
committed to its guiding principles of sound and
prudent banking. !part from offering banking
products, the bank has also entered the credit card,
debit cardI bullion businessI life and non<life
insuranceI .old coins ; asset management
business, etc. ='B has earned many awards and
accolades during the year in appreciation of
e*cellence in services, &orporate Social
Responsibility (&SR practices, transparent
governance structure, best use of technology and
good human resource management.

Since its humble beginning in 091> with the
distinction of being the first Swadeshi Bank to have
been started with Indian capital, ='B has achieved
significant growth in business which at the end of
(arch "#00 amounted to Rs >,>>,##> crore. ='B is
ranked as the "nd largest bank in the country after
SBI in terms of branch network, business and many
other parameters. $uring the 6K "#0#<00, with
41.02D share of &!S! to domestic deposits, the
Bank achieved a net profit of Rs 3344 crore. Bank
has a strong capital base with capital ade@uacy ratio
of 0".3"D as on (arA00 as per Basel II with Tier I
and Tier II capital ratio at 9.33D and 4.19D
respectively. !s on (archA00, the Bank has the
.ross and 'et '=! ratio of 0.81D and #.9>D
respectively. $uring the 6K "#0#<00, its ratio of
=riority Sector &redit to !d/usted 'et Bank &redit at
3#.28D ; !griculture &redit to !d/usted 'et Bank
&redit at 01.4#D was also higher than the stipulated
re@uirement of 3#D ; 09D respectively.

The Bank has been able to maintain its
stakeholdersA interest by posting an improved 'I( of
4.12D in (arA00 (4.>8D (arA0#. The :arning per
Share improved to Rs 03#.2# (Rs 0"4.92 (arA0#
while the Book value per share improved to Rs
220."# (Rs >03.88 (arA0#. =un/ab 'ational Bank
continues to maintain its frontline position in the
Indian banking industry. In particular, the bank has
retained its 'B(B:R )': position among the
nationali-ed banks in terms of number of branches,
$eposit, !dvances, total Business, !ssets,
)perating and 'et profit in the year "#0#<00. The
impressive operational and financial performance
has been brought about by BankAs focus on
customer based business with thrust on &!S!
deposits, Retail, S(: ; !gri !dvances and with
more inclusive approach to bankingI better asset
liability managementI improved margin
management, thrust on recovery and increased
efficiency in core operations of the Bank. The
performance highlights of the bank in terms of
business and profit are shown below+
Rs. In &rore
=arameters (ar7#1 (ar70# (ar700
&!.R(
D
)perating=rofit >21# 84"2 1#>2 "2.02
'et=rofit 4#10 41#> 3344 01.82
$eposit "#182#"3144#40"911"".03
!dvance 0>38#40922#0"3"0#8">.0#
TotalBusiness 42332434>140>>>##>"4.3#

Bank always looked at technology as a key facilitator
to provide better customer service and ensured that
its NIT strategyA follows the NBusiness strategyA so as
to arrive at LBest 6itM. The Bank has made rapid
strides in this direction. !ll branches of the Bank are
under &ore Banking Solution (&BS since $ecA#9,
thus covering 0##D of its business and providing
N!nytime !nywhereA banking facility to all customers
including customers of more than 4"## rural ; semi
urban branches. The Bank has also been offering
Internet banking services to its customers which also
enables on line booking of rail tickets, payment of
utilities bills, purchase of airline tickets, etc. Towards
developing a cost effective alternative channels of
delivery, the Bank with >#># !T(s has the largest
!T( network amongst 'ationali-ed Banks.

5ith the help of advanced technology, the Bank has
been a frontrunner in the industry so far as the
initiatives for 6inancial Inclusion is concerned. 5ith
its policy of inclusive growth, the BankAs mission is
LBanking for BnbankedM. The Bank has launched a
drive for biometric smart card based technology
enabled 6inancial Inclusion with the help of
Business &orrespondentsHBusiness 6acilitators
(B&HB6 so as to reach out to the last mile customer.
The Bank has started several innovative initiatives
for marginal groups like rickshaw pullers, vegetable
vendors, dairy farmers, construction workers, etc.
Bank has launched a welfare scheme of adoption of
village vi-., L='B FIJ!SM. Bnder the scheme, Bank
has selected 008 villages (2# in lead districts and >8
in non lead district in different circles for all<round
improvement in the living standards of the villagers.
Besides, Bank has formed L='B =R:R'!M, an
association of the wives of the BankAs senior
management. The association through its voluntary
initiatives has undertaken activities like distribution
of food to the poor and needy, provision of
computers, books, stationary items to poor girl
students at various orphanages and schools etc.

Backed by strong domestic performance, the Bank
is planning to reali-e its global aspirations. Bank has
opened one branch each at Jabul and $ubai, two
branches at %ong Jong and an )ff Shore Banking
Bnit at (umbai. In addition to the above, Bank has
Representative offices at !lmaty, $ubai, Shanghai
and )slo, a wholly owned subsidiary in BJ with 8
branches and a subsidiary each in Ja-akhstan ;
Bhutan, and /oint venture with :verest Bank ?td.
'epal. $uring the year, Bank ac@uired ma/ority
e@uity stake of 24.23D in $ana Bank of Ja-akhstan.


?ISION
ETo be a ?eading .lobal Bank with =an India
footprints and become a household brand in the
Indo<.angetic =lains providing entire range of
financial products and services under one roofE
MISSION
EBanking for the unbankedE
Heritae % Saa of EC0ellen0e in
#ankin
6ired by the spirit of nationalism and founded on the
idea that Indians should have a national bank of
their own, =un/ab 'ational Bank ?td was the result
of the efforts of far<sighted visionaries and patriots,
among whom were persons like ?ala ?a/pat Rai, (r.
: & Cessawala, Babu Jali =rasono Roy, ?ala
%arkishan ?al and Sardar $yal Singh (a/ithia.
Incorporated under the !ct FI of 099", Indian
&ompanies !ct, the Bank commenced operations on
!pril 0", 091> from ?ahore, with an authorised total
capital of Rs " lac and working capital of Rs "#,###.
=rophetically, the Bank chose EStabilityE as its
telegraphic address, as the future course of events
were to prove < the Bank withstood various financial
crises including the trauma in the form of partition of
India when the Bank had to close 1" offices (44D in
west =akistan which constituted 3#D of its deposits
and 0> of its staff fell victims to the fren-y. The
registered office was shifted to $elhi and the Bank
honoured all the deposit claims of the refugees even
on the basis of whatever little evidence they could
produce. Subse@uently, the Bank registered
impressive performance and grew from strength to
strength.
! pioneer throughout, the Bank distinguished itself
by appointing auditors in 091> long before it was
mandatoryI introduced the EtellerE system in 0133
(another first I established profit sharing bonus,
provident fund and voluntary outside audit well
before they formed keystones of good management.
'ationalisation came in 0121 which unleashed a
new chapter in the long history of the Bank. Jeeping
with the economic ideology of cataly-ing
development and amelioration of poverty by funding
various self<employment schemes, ='B e*panded
its presence rapidly in unbanked areas. The Bank
donned the role of a facilitator in providing the vital
input of credit and consistently e*ceeded the
national goals in respect of priority sector lending.
5ith its large presence throughout the country and
with a view to strengthening the rural credit delivery
system, the Bank sponsored Regional Rural Banks
(RRBs.
='B has established itself firmly as one of the
premier banking institutions in the country with a
long tradition of sound and prudent banking. The
bank7s growth has been aided by take<overHmerger
of 8 private sector banks during different periods in
its history. The first ever and the only merger of a
nationali-ed bank with ='B was in 0114, vi-., 'ew
Bank of India.
By late 019#s when the first whiff of liberali-ation
came about, the Bank initiated strategic moves
towards diversificationI and in "##", "#D of
government ownership was disinvested through a
very successful I=) to the public. In "##4, the
erstwhile 'edungadi Bank ?td (e<'B?, a Jerala
based private bank was amalgamated with =un/ab
'ational Bank. This was the seventh merger in
='BAs history of more than 00> years. ='BAs
management team has been @uite successful in
managing the mergers and ensuring the integration
process in a smooth and effective manner. It may be
added that no other bank in the nationali-ed bank
group has a track<record of so many mergers. This
has improved the franchise value of the Bank,
particularly, in the relatively underrepresented
Jerala region. In order to meet future capital
re@uirements on account of implementation of Basel
II norms, in (arch "##>, the Bank came out with
6ollow<on =ublic )ffer (6=) through the book
building process, reducing the shareholding of .ovt
of India to >8.9D.
=un/ab 'ational Bank with more than >### domestic
offices including :*tension &ounters has the largest
network amongst the nationali-ed banks i.e. ne*t
only to SBI. The bank has a strong franchise value
and provides a host of financial products and
services, both to the retail customer and corporate
business. It has continued to fulfill its social
responsibilities and made significant progress in
adoption of technology, keeping with its ob/ective of
transforming itself into a techno<savvy Bank.
$uring "##9<#1, the Bank achieved the landmark of
becoming the largest 'ationali-ed Bank to bring !??
BR!'&%:SH:OT:'SI)' &)B'T:RS into &ore
Banking Solution (&BS. The strong franchise
en/oyed by the Bank, combined with its
technological capabilities provides the Bank
competitive advantages.
The Bank supports various societies, charitable
institutions and '.) organi-ations working for the
benefit of downtrodden, weaker sections of society,
orphans, underprivileged, spastics, handicapped,
mentally retarded children, women in shelter homes,
etc. The Bank also contributes for fighting diseases
like diabetes, tuberculosis, !I$S, leprosy etc.
$onations are also e*tended for purchase of water
coolers, ambulances and building infrastructure
facilities at hospitalsHschools.
)BC:&TIF:S
)he o+6e!tives of the Co"*any are in $ine %ith
o+6e!tives $aid do%n +y RBI for the#ri"ary Dea$ersA
B
Stren&then the infrastr!tre in the &overn"ent
se!rities "arket in order to"ake it vi+rant5 $i0id
and +road +ased'
B
3nsre the deve$o*"ent of nder%ritin& and
"arket "akin& !a*a+i$ities for Govern"ent
Se!rities'
B
I"*rove se!ondary "arket tradin& syste"5
%hi!h %o$d !ontri+te to *ri!edis!overy5
enhan!e $i0idity and trnover and
en!ora&e vo$ntary ho$din& of Govern"ent
se!rities a"on&st a %ider investor +ase'
B
Be!o"e an effe!tive !ondit for !ond!tin& o*en
"arket o*erations'Besides the a+ove5 the
Co"*any has +een *ioneer in retai$in& of
Govern"ent Se!r i t i es !ont r i +t i n& t o a
dee* and +r oad; +ased "ar ket ' )he
Mar ket i n&De*art"ent s*e!ifi!a$$y !aters to
se$e!t se&"ents vi9' #rovident 1nds5
)rsts5Re&iona$ Rra$ Banks5 Co;o*erative
Banks5 Cor*orate C Individa$s to
!reatea%areness and en!ora&e hea$thy invest"ent
*ra!ti!es

MARK3)ING #O-ICD
B )o effe!tive$y "eet !sto"ers?
re0ire"ents and endeavor to a!hieve
tota$!sto"er satisfa!tion'B )o &ain !onsistent
faith and !onfiden!e of !sto"ers and *otentia$
!sto"ersre&ardin& the 0a$ity of servi!es
rendered'B )o *rse e(!e$$en!e thro&h
!ontinos i"*rove"ent in a$$ areas and
todistin&ish orse$ves +y the 0a$ity of or
servi!es'B )o a ! h i e ve o *e r a t i ona $
e f f i ! i e n ! y +y a t t a i ni n& +e t t e r
* r o d ! t i v i t y a n d *rofita+i$ity'B )o %ork and
a!t in s!h a "anner that a$$ servi!es
rendered in de !orse of +ankin& $ead to
e(!e$$en!e and i"*roved !redi+i$ity and i"a&e of
the Bank'

#RODUC)S C S3REIC3S

Bei n& a *r i "ar y dea$ er i n t he
Gover n"ent Se!r i t i es Mar ket t he
!o"*anyndertakes "ore than 9/F of its
o*erations in Govern"ent Se!rities' )he ran&e
of *rod!t and servi!es offered +y the !o"*any
in!$desA
B ) r e a s r y B i $ $ s
B C e n t r a $ G o v e r n " e n t D a t e d
S e ! r i t i e s
B S t a t e G o v e r n " e n t
S e ! r i t i e s
B # S U B o n d s
B I n t e r ; C o r * o r a t e D e * o s i t s
B C S G - a ! ! o n t s
B M o n e y " a r k e t i n s t r " e n t s
B M e r ! h a n t B a n k i n &
B M t a $ 1 n d D i s t r i + t i o n
In addition to the a+ove5 %e a$so offer advisory
servi!es to or !$ients to "ana&ethe &overn"ent
se!rities *ortfo$io ')he Co"*any has %e$$;
defined syste"s and *ro!edres' )he Interna$
Contro$ CMana&e"ent syste"s are in *$a!e and are
in a!!ordan!e %ith the &ide$ines issedBy the
Re&$atory Athorities')he Co"*any has a $ean
staff of :4 e"*$oyees s*read over the Contry
%ith :1e"*$oyees in the 2ead Offi!e in Ne%
De$hi C rest in or +ran!hes at
M"+ai5Chennai5 Ko$kata5 Ah"eda+ad and
Ban&a$ore'Drin& the years the Co"*any has
e"er&ed as a $eadin& #ri"ary Dea$er in
the!ontry' >e have to or !redits '''
B
)he first stand a$one #ri"ary Dea$er to !o"e %ith an
I#O C &et $isted'
B
)he first #D to a!hieve ISO 9//1A=/// !ertifi!ation'
B
)he first to o+tain a #2 ratin& fro" CRISI-
for its short;ter" +orro%in& *ro&ra"' At
*resent the ratin& fro" CRISI- is for +orro%in& *
to Rs =./ !rore'
B
)he !o"*any has a!hieved a trnover of
Rs'116<64 !rores drin& =//:;=//<5 "akin& it
one of the $ar&est de+t traders in the !ontry

(!RJ:TI'. T%R)B.% &BS
C3N)RA-IS3D BANKING SO-U)ION
>e$!o"e to the ne% a&e of +ankin& !onvenien!e
%ith #NB'#NB no% +rin&s to yo Centra$i9ed
Bankin& So$tion 7CBS8' An inter
+ran!hnet%orkin& and data sharin& *$atfor"5 %hi!h
"akes ?Anyti"e Any%here? +ankin& area$ity' >ith
over 1/// +ran!hes to +e net%orked in the near
ftre5 the stats of !ost"ers is !han&in& fro"
?Csto"er of the +ran!h? to ?Csto"er of the +ank?'
CBS; ?B3N31I)S? )O CUS)OM3RS
B I n s t a n t f n d
t r a n s f e r s B C h e 0 e s
! o $ $ e ! t i o n G d e * o s i t a ! r o s s
! i t i e s ' B Ch e 0 e s ! a n + e d e * o s i t e d a t
t h e ! e n t e r %h e r e i t i s
d r a %n ' B I n t e r ! o n n e ! t e d
A ) M ? s B A! ! e s s o f a ! ! o n t s
t h r o & h a n y CBS ! o n n e ! t e d
+ r a n ! h B S > I 1 ) r e " i t t a n ! e
f a ! i $ i t y B I n s t a n t & e n e r a t i o n o f
s t a t e "e n t o f a ! ! o n t s B # NB # r d e n t
S %e e * ; S ! h e "e f o r S a v i n & 1 n d AG C
2o $ d e r s B #NB S"a r t Roa "e r ; S! h e "e
f or C r r e n t AG C 2o$ de r 7 S%e e * i n a n d
S%e e * ot fa!i$ity'At *resent CBS fa!i$ity is
avai$a+$e in 1==9 Servi!e Ot$ets'
DI113R3N) )D#3S O1 -OAN #ROEID3D BD #NB
B CONSUM3R -OAN
@'
>ho !an avai$ Cons"er -oanH
A' Any Individa$ %ith a "onth$y in!o"e of
"ini"" Rs'.///G;@'
>hat ty*e of !ons"er dra+$e !an +e finan!edH
A' Ne% !ons"er dra+$e s!h as Refri&erator5
)e$evision5 Air !onditioner5 Mi!ro;oven5 Cookin&
Ran&e5 >ashin& Ma!hine5 Msi! Syste"5
1rnitre5 #ersona$ Co"*ter5 et!'@
' 2o% the $oan is dis+rsedH
A' )he a"ont of $oan sha$$ +e *aid dire!t$y to the
s**$ier of &oods a$on& %ith the"ar&in of the
+orro%er'@'
>hat %i$$ +e the tota$ $oan a"ontH
A' 9/F of the !ost of !ons"er dra+$e5 s+6e!t to
"a(i"" of Rs'$ $a!' 2o%ever5the "ini""
a"ont of $oan sha$$ +e Rs'I////G;@'
>hat is the re*ay"ent *eriodH
A' A"ont of $oan to&ether %ith Interest sha$$ +e
re*aya+$e "a(i"" in 6/ e0a$"onth$y
insta$$"ents'@'
>hat is the rate of Interest !har&edH
A' At *resent Interest rate is 1. F 7"in'8' )his is
s+6e!t to !han&e'@'
>hether Interest a**$i!a+$e is at a f$at rate or at red!in&
+a$an!esH
A' Interest is !har&ed on red!in& +a$an!es'@'
>hat for"a$ities are to +e !o"*$eted for avai$in& the
fa!i$ityH

B
#erfor"a Invoi!e of !ons"er dra+$e7s8 to +e
*r!hased'
B
#roof of residen!e
B
#roof of In!o"e
B
Detai$s of &arantor'
B CAR-OAN
@
>ho !an avai$ Car -oanH
A' Individa$s and Bsiness Con!erns'@
>hether finan!e is a$so avai$a+$e for sed !arsH
A' 1inan!e is a$so avai$a+$e for *r!hase of sed !ars
not o$der than : years'@
2o% "!h $oan !an +e avai$ed nder the s!he"eH
A 1or individa$s5 $oan a"ont sha$$ +e =. ti"es the
Net Month$y Sa$ary GIn!o"e5s+6e!t to "a(i""
of RsBI'// $a! or 4/F of the !ost of the vehi!$e
%hi!hever is$ess' In !ase of +siness
!on!erns5 $oan a"ont !an +e need +ased
and is not s+6e!t to any !ei$in&'@
>hether the in!o"e of the s*ose is a$so taken into
a!!ont for deter"inin&the a"ont of $oanH
A Des5 in!o"e of the s*ose !an a$so +e taken
into a!!ont for deter"inin& thea"ont of $oan'
In s!h !ases5 the s*ose sha$$ stand a &arantor'@
>hat %i$$ +e the re*ay"ent *eriodH
A' A"ont of $oan to&ether %ith interest sha$$ +e
re*aya+$e "a(i"" in 4< e0a$"onth$y
insta$$"ents' 2o%ever5 for o$d !ar5 $oan
to&ether %ith interest is to +ere*aid "a(i""
in 6/ e0a$ "onth$y insta$$"ents'

@
>hether interest a**$i!a+$e is f$at rate or at red!in&
+a$an!eH
A' Interest is !har&ed on red!in& +a$an!e'@
>hat for"a$ities are to +e !o"*$eted for avai$in& the
fa!i$ityH
A' )he fo$$o%in& do!"ents are re0ired to +e
s+"ittedA
B
#rofor"a Invoi!e of Car to +e *r!hased'
B
#roof of residen!e
B
#roof of In!o"e
B
Detai$s of &arantor
#RO13SSIONA- -OAN
@'
>ho is e$i&i+$e to &et $oan nder the s!he"eH
A' )he fo$$o%in& !ate&ories of *rofessiona$s
are e$i&i+$e to &et $oan nder thes!he"eAB
#ersons a$ready *ra!ti!in& or ne% entrants
in varios *rofessiona$s5 havin&$i!enses issed
nder Centra$ or State -e&is$ations 'B Asso!iations
of *ersons en&a&ed in a sin&$e *rofession
*rovided that ea!h"e"+er of s!h an
asso!iation is 0a$ified and d$y $i!ensed to
*ra!ti!e in the *rofessionJ andB )he 0a$ified
*rofessiona$s %i$$ +e re0ired to *rod!e a
!ertified !o*y of the$i!ense for the re!ord at the
+ank'@'
>hat is the *r*ose for %hi!h advan!e is san!tionedH
A' -oans nder this s!he"e "ay +e &ranted for the
*r*ose of finan!in& *r!haseof e0i*"ent sed
+y the +orro%ers5 +siness *re"ises5
!onstr!tion5 "akin&a$terations or renovation of
+siness *re"isesGnrsin& ho"es or for %orkin&
!a*ita$re0ire"ents5 in their *rofessions'@'
2o% "any $oans !an +e avai$ed nder this s!he"eH
A' A"ont of $oan A Need +ased on "erits %ithin
the overa$$ *er"issi+$e $i"its asnderA MetroG
Ur+an S'Ur+anGRra$ Area$' Medi!a$
*ra!titioners .'// $a! 1/'/ $a!=' Other
*rofessiona$s .'// $a! .'// $a!:' Mar&inA Ni$ *
to Rs'=.///G;' =.F A+ove Rs'=.///'
@'>hat %i$$ +e the re*ay"ent *eriod for the ter"
$oan H
A'Re*ay"ent %i$$ +e in e0a$ "onth$y insta$$"ents
%ithin the fo$$o%in& *eriodsA;
-oans * to
RS'.////G;<4 "onthsK -oans +eyond
Rs'.////G;6/"onth'
@'>hat is the *ro!edre for the dis+rse"ent of the
$oan H
A'#ay"ent %i$$ +e "ade dire!t to the s**$iersG
dea$ers' In !ase of !onstr!tionof the *re"ises5 the
$oan "ay +e dis+rsed in *hases after verifyin& the
end se inter"s of the *$an as a$so at the s*ot'
3DUCA)ION -OAN
@'>hat are the ty*es of ed!ation for %hi!h ed!ation
$oans are &ivenH
A' 3d!ation $oans are &iven for *rsin&
a$$ ty*es of ed!ation vi9'
&enera$5 *rofessiona$5 te!hni!a$ and vo!ationa$
!orses'
@'>hi!h !osts are finan!ed nder the s!he"eH
A' )he s!he"e ena+$es the needy stdents to "eet
the fo$$o%in& !osts for stdies inIndia as %e$$ as
a+roadA ad"ission fees5 +ooks C stationery5
instr"ents re0iredfor the !orse5 "onth$y
fees5 e(a"ination fees5 insran!e *re"i" for
*o$i!y on$ife of the +orro%in& stdent5 !ation
de*ositG +i$din& fndGrefnda+$e
de*osits**orted +y +i$$sG re!ei*ts5 e(*enses
$ike stdy torsG *ro6e!t %orkG thesis
et!'re0ired to !o"*$ete the !orse5 +oardin&
and $od&in& e(*enses5 and trave$ e(*ensesG
*assa&e "oney in!$din& air fare for 6oinin& the
!orse a+road'@'
>ho is e$i&i+$e to &et $oan nder the s!he"eH
A' )he fo$$o%in& is the e$i&i+i$ity !riteria for &ettin&
$oan nder the s!he"eA
B
Indian nationa$s5 in the a&e &ro* of 16;</
years' 1or *art ti"e !o"*ter !orses5
a**$i!ants in the a&e &ro* of 16;<. years are
e$i&i+$e'
B
Stdents %ho have s!ored *ass "arks in their
$ast 0a$ifyin& e(a"ination andhave se!red
ad"ission in the !orses "entioned a+ove'
B
)he *arentsG &ardian sho$d have re&$ar
sor!e of in!o"e to the e(tent thatthey are a+$e
to re*ay the $oan in !ase of needG nforeseen
!ir!"stan!es'
B
3"*$oyed *ersons intendin& to +etter their
*ros*e!ts !an a$so avai11/an for i"*rovin&
their ed!ationa$ 0a$ifi!ations andL or
re!eive trainin& in "odernte!hno$o&y in IndiaG
a+road'@'
2o% "!h $oan a"ont !an I avai$H
A' )his is !o;re$ated to e(*enses invo$ved in takin&
* the !orse and the e(*e!tedearnin&s after
0a$ifyin&5 s+6e!t to a "a(i"" ofA1or stdies in
IndiaA Rs' I'./ $a!s1or stdies a+roadA Rs'1.'//
$a!s@'
2o% "!h $oan a"ont !an I avai$ for
*rsin& *art ti"e !o"*ter!orsesH
A'In !ase of *art ti"e !o"*ter !orses5 the e(tent
of $oan sho$d not e(!eed Rs'./5///G ; *er ann" or
fee fi(ed +y the *arti!$ar instittion 7as *er
*ros*e!ts $ess !on!ession5 if any85 %hi!hever is
$ess'
>hat is the se!rity re0ired +y the +ankH
A' )he fo$$o%in& additiona$ se!rity in addition
to the *ersona$ $ia+i$ity of the +orro%er is
re0iredA
B
-oa n * t o Rs ' . ' / / $ a ! s A Co ;
o +$ i & a t i o n of e i t he r or +o t h *a r e nt 7 s 8
o r &ardian7s8 and the -IC #o$i!y for e0iva$ent to
the a"ont of $oan'
B
-oan a+ove Rs' .' // $a!sA Co;o+$i&ation of
*arent7s8 or &ardian7s8 andCo$$atera$
Se!rity or third *arty &arantee a!!e*ta+$e to
the +ank e0iva$ent to1//F of the a"ont of $oan'
B
-oan a+ove Rs' .B// $a!sA Co;o+$i&ation of
*arent7s8 or &ardian7s8 andCo$$atera$
Se!rity or third *arty &arantee a!!e*ta+$e to
the +ank e0iva$ent to1//F of the a"ont of $oan'
@'>hat is the "ethod of a**$i!ation of interest in the
$oanH
A' )he interest sha$$ +e !har&ed at si"*$e rate fro"
the date of dis+rse"ent ti$$ the!o""en!e"ent of
re*ay"ent of $oan' )hereafter5 !o"*ond interest is
!har&ed onred!in& +a$an!e'@'
>hen does the re*ay"ent of $oan !o""en!eH
A' Re*ay"ent M>i$$ !o""en!e after t%o years of
the !o"*$etion of stdies +y the +orro%er or one
"onth after hisG her &ettin& e"*$oy"ent5 %hi!hever
is ear$ier'@'
>hat is the re*ay"ent s!hed$eH
A' #rin!i*a$ and interest is re*aya+$e in 4< "onth$y
insta$$"ents'@
' Is there any sti*$ation a+ot !ei$in& on
anna$ in!o"e of *arentsG &ardianH
A' No5 there is no sti*$ation of !ei$in& on anna$
in!o"e of the *arentsG &ardians'
KRIS2I CARD
@'Can I raise $oan nder this s!he"e for a!tivities
other than A&ri!$treH
A'Des5 for other rra$ hoseho$d re0ire"ents
s!h as ed!ation5 !ons"a+$eite"s5 "edi!a$
e(*enses5 et!' * to =.F of the $i"it or
Rs'=.5oooG; %hi!hever is$o%er'
@' Do I need "ini"" 0a$ifi!ation to +e e$i&i+$e nder
the s!he"eH
A' No'@'
If I have . a!re of n irri&ated $and5 a" I e$i&i+$e nder the
s!he"eH
A' Des'@'
Can I take the *ay"ent fro" the other +ran!hes a$soH
A' Des5 +t %ithin the sa"e distri!t %hereas the
i$$iterate !ardho$ders %i$$ avai$ thefa!i$ity fro" the
issin& +ran!h on$y'@'
Do I have to *ay any additiona$ feeG!har&e for
%ithdra%in& !ash fro" otherthan the issin& +ran!hH
A' Des5 if yo %ithdra% !ash fro" the
+ran!h other than the issin& +ran!h
a!o""ission N=F is !har&ed and the sa"e is
ded!ted fro" the !ash %ithdra%n'@
' If I %ant to rene% "y Krishi Card %hat for"a$ities are
re0iredH
A' Do sho$d a**roa!h the issin& +ran!h one
"onth +efore the e(*iry of the !ard%ith a %ritten
re0est for the sa"e'@'
Is there any !on!e*t of the "ar&in nder the s!he"eH
A' 1or $i"its * to Rs' =5//5///G;5 the "ar&in
re0ire"ents are ni$' 1or $i"its a+oveRs'=//5OOOG;
* to Rs' :5//5///G;5 "ar&in re0ire"ent is 1/F'@'
In !ase of $oss of !ardG*ass+ook %hat are the for"a$itiesH
A' Infor" the !ard issin& +ran!h +y 0i!kest "eans
and a ne% !ard is re;issed on *ay"ent of no"ina$
!har&es of Rs'=//G;'@'
2o% do yo %ork ot the e$i&i+$e $i"itH
A' )he $i"it is %orked ot on the +asis of yor
tota$ in!o"e fro" far" as %e$$ asnon;far"
a!tivities5 e(tent of $and ho$din&5 a!rea&e and
avera&e yie$d of !ro*s&ro%n5 *ri!e rea$i9ations
et!'
@'
2o% do I re*ay the a"ont raised a&ainst the !ardH
A' A&&re&ate !redits into the a!!ont drin&
the 1=G14 "onths *eriod as the !ase"ay +e5
sho$d at $east +e e0a$ to the "a(i""
otstandin& in the a!!ont' )he!ardho$der
%i$$ a$so have to "aintain hisGher !ash
!redit a!!ont in !redit +a$an!efor at $east
one %eek on!e a year' 2o%ever5 the
!ons"*tion $oan *ortion sha$$ +ead6 st ed
%i t hi n a *er i od of t hr ee year s' An t he
r e*ay"ent sG de*osi t s +y t he !ard ho$der
sha$$ +e "ade at the !ard;issin& +ran!h on$y'
ANA-DSIS AND IN)3R#R3)A)ION O1 DA)A
AND R3COMM3NDA)IONS
)he data !o$$e!ted in the aforesaid "anner have +een
ta+$ated in !ondensed for" to dra% the
"eanin&f$ res$t' )he different te!hni0es are
ado*ted to ana$y9e a data' A$$ the data and the
"ateria$ is arran&ed thro&h interna$ resor!es and
the $ast *art of the *ro6e!t !onsist of the
!on!$sions dra%n fro" the re*ort5 a +rief
s""ary and r e!o""endat i ons and &i vi n&
t he f i na$ t o!h t o t he r e*or t s +y st at i n& a
!on!$sion'
COM#ARA)IE3 CUS)OM3R #R313R3NC3
ANA-DSIS IN 2OM3 -OAN S3C)OR
)he tit$e of this re*ort is MCOM#ARA)IE3
CUS)OM3R #R313R3NC3ANA-DSIS IN 2OM3
-OAN S3C)ORM' )he s+6e!t %as !hosen to
&atherinfor"ation a+ot the *er!e*tion of *eo*$e to%ards
ho"e $oan G se!tor' Marketin& is essentia$ for ea!h and
every or&ani9ation for its s!!essf$ o*eration'It
for"s the +asis of a$$ other fn!tions'Marketin& is
h"an a!tivity dire!ted at satisfyin& needs
and %ants thro&he(!han&e *ro!esses')herefore
"arketin& is a so!ia$ and "ana&eria$ *ro!ess +y
%hi!h individa$s and &ro*s o+tain %hat they
need and %ant thro&h !reatin&5 offerin& and
e(!han&in& *rod!ts of va$e %ith others is an
a!t or o*eration or servi!e +y %hi!h
ori&ina$ *ro6e!t and the fina$ !ons"ers are $inked
to&ether in +et%een these t%o *oints i'e' *rod!er
and !ons"er' 2en!e every a!tivity fa!i$itatin&
the "ove"ent of &oods and servi!es5 in!$din&
"arket and "arketin& resear!h are !overed nder the
ter" "arketin&' Marketin& of a *rod!t invo$ves
a variety of a!tivities of %hi!h se$$in& is "ere$y
one of the"' )his *ro6e!t *rovided the i"*ortant
data re&ardin& the de"and and a%areness
of ICICI Bankin& ho"e $oan se!tor'
SAM#-3 S3-3C)ION
)he niverse of the stdy as "entioned +e$o% in
s!o*e of the *ro6e!t is ke*t to the *eo*$e in
De$hi !ity' )he sa"*$e si9e %as !hosen to +e
1//'Sa"*$e %as !hosen +ased on Convenien!e
"ethod of sa"*$in& +t a$$ !are %as taken to
"ake it "ore re*resentative +y in!$din& *eo*$e of
different o!!*ation'
SCO#3 O1 )23 S)UDD
)he *resent stdy %as !ond!ted +y the
resear!her in De$hi !overin& so"e "ain and
*o*$ar "arkets of De$hi +e!ase of !onstraints of
ti"e and "oney stdy !o$d not +e e(tended to other
!ities' As De$hi +ein& a *o*$ar and a"on& the &ood
!ities of India is a &ood "arket of finan!ia$
*rod!ts C a$so here !sto"ers of different
!$asses $ike +siness se&"ent5 servi!e se&"ent5
and *rofessiona$ se&"ent are in e(!ess' Sin!e the
re*ort ai"s at findin& the *otentia$ for finan!ia$
*rod!ts at De$hi itse$f takin& into !onsideration
!ertain $i"its and *ro+$e"s5 the area %as !hosen on
the +asis of !overa&e of *rod!t no' of res*ondents'
SUND3RGAR2 MARK3) S3GM3N)
)he "arket of Snder&arh "ain$y !o"*rises of the
rra$ C r+an *eo*$e %ith *o*$ation of arond .
$akh ' )he $itera!y rate is fair$y avera&e and
there are arond 6/F"a$es C </F fe"a$es' )hi s
dat a !$ ear $ y i ndi !at es t he e"er &en!y of a
"i dd$ e !$ ass at Snder a&r h' As i s e$ se
%her e5 t hi s !$ ass i s t he har +or s of "oder n
f a!i $ i t i es' A*ar t f r o" ot her !ontri+tion5 it is
this !$ass for its "oney' )hese de"ands e(hi+its a
vi&i$ant !sto"er C finan!ia$ *rod!ts have +een
on their toes to retrn the" to *ay the $east if not
attra!t the other ones' Besides Snder&arh a$so
+oasts of a $ar&e finan!ia$ "arket' It has an
*!o"in& *har"a!y distri+tion net%ork C $ots of
Govt' instittions' )here is in!reasin& se of
Cy+er Cafe Internet C !a+$e !onne!tion' )he
"arket si9e of the !ity is arond = $a!ks5 a
si&nifi!ant !hnk of %hi!h is o!!*ied +y the
*!o"in& "idd$e !$asses' Besides5 there is &ood
n"+er of indstries' A*ar t f r o" t hi s5 t her e
ar e "any "ana&e"ent and en&i neer i n&
!one&e? s and niversities' )he "!h roa"in&
&ro%th of s!h instittions sho%s the *resen!e
of "any hi&h nets %orth individa$ is De$hi'
1or the *r*ose of the stdy the res*ondents
%ere se$e!ted fro" a$$ !orners of De$hi
"ain$y *o*$ar !o$onies and for &atherin&
infor"ation a+ot the trends5de"ands C +rands
avai$a+$e in finan!ia$ *rod!ts')he data %as
!o$$e!ted thro&h 0estionnaires' )he
0estion !onsisted of 1/0estions a$on& %ith
the infor"ation re&ardin& the o!!*ation of the
res*ondent')he n"+er of res*ondents %ere
ke*t to 1//' )he &ra*hs of a$$ the findin&s
0estion %ise are &iven +e$o% a$on& %ith the ta+$es
of the data !o$$e!ted'
!5!R:':SS !B)BT %)(: ?)!'S
IN)3R#R3)A)ION
)he a+ove #ie !hart de*i!ts that 64F of tota$ sa"*$e
si9e is a%are a+ot the ho"e $oans and on$y :=F are
na%are'

3AS3 O1 G3))ING 2OM3 -OAN
IN)3R#R3)A)ION
.IF of the sa"*$e si9e finds easy to &et the ho"e
$oan %hi$e <:F finds it diffi!$t )he ratio is "ore or
$ess sa"e'
=R:6:R:'&: )6 T!JI'. %)(: ?)!'
IN)3R#R3)A)ION
)he a+ove &ra*h de*i!ts that "a(i"" *er!enta&e
of the sa"*$e si9e *refers to &o for ho"e $oan'

-OAN R3C3IE3D

IN)3R#R3)A)ION
It has +een fond fro" the &ra*h that <9F of the
sa"*$e si9e has &one for the ho"e $oan'
B!'J =R:6:R:'&:
IN)3R#R3)A)ION
)he a+ove &ra*h de*i!ts that on$y 14 F of the
sa"*$e si9e has *referred to takeho"e $oan fro"
#NB and "a(i"" *er!enta&e of the sa"*$e si9e
*referred to takeho"e $oan either fro" ICICI or
2D1C and very fe% that is on$y one *er!ent
hasthe *referen!e of other finan!ia$ instittes'
=R)FISI)' )6 )=TI(!?H:&)')(I&!?
I'T:R:ST R!T:
IN)3R#R3)A)ION
)he a+ove &ra*h sho%s that a!!ordin& to the :=
*er!enta&e of tota$ sa"*$e si9e5 ICICI *rovides
the o*ti"a$Ge!ono"i!a$ interest rate' )he ne(t
*referen!e is &iven to 2D1C and #NB21- has
re!eived the third *referen!e for *rovidin& the
o*ti"a$ interest rate' And on$y 1: *er!ent of the
sa"*$e *referred -IC21'
SBIT!B?: :(I
IN)3R#R3)A)ION
)he a+ove &ra*h sho%s that a!!ordin& to the :=
*er!enta&e of tota$ sa"*$e si9e5ICICI *rovides
sita+$e 3MI' )he ne(t *referen!e is &iven to 2D1C
and #NB21- has re!eived the third *referen!e for
*rovidin& sita+$e 3MI' And on$y 1: *er!entof the
sa"*$e *referred -IC21'
-ONG )3RM #R313R3NC3
IN)3R#R3)A)ION
)he a+ove *ie !hart de*i!ts that "a(i"" n"+er
of *eo*$e has *referred +ank for $on& ter" $oans and
on$y =< *er!ent of sa"*$e si9e has &iven *referen!e
to #NB21 and on$y <F has &iven *referen!e to
other finan!ia$ instittes'
&BST)(:R 6RI:'$?I':SS
IN)3R#R3)A)ION
)he a+ove *ie !hart sho%s that "a(i""
n"+er of *eo*$e finds ICICI "ore!sto"er
friend$y than other +anks'

#ROM#) S3REIC3
IN)3R#R3)A)ION
ICICI +ank has fond to +e 0i!kest in san!tionin&
the $oan a"on& other finan!ia$ instittes +y
"a(i"" n"+er of *eo*$e'
=)SITIF: !S=:&T 6)R SB&&:SS )6
='B%6
IN)3R#R3)A)ION
)he a+ove &ra*h de*i!ts that !sto"er friend$y
ho"e $oan s!he"es are the "ain as*e!t for the
s!!ess of #NB21'

-AGGING AR3A
IN)3R#R3)A)ION
)he a+ove #ie !hart sho%s that Non effe!tive
Advertise"ent is the $a&&in& area of #NB21- in
!o"*arison to other ho"e $oan +anks'
S>O) ANA-DSIS
S)R3NG)2S
B Br a n d n a "e o f #n 6 a + Na t i o na $ Ba n k
7 #NB8 i s e s t a +$ i s he d o ve r t h e y e a r s '
B Si n& $ e %i n do % ! $ e a r a n! e ; a s i n& $ e
e "* $ oy e e *r ov i d e s %i de va r i e t y
o f fa!i$ities to the +orro%er5 "ini"i9in& the hass$e
of %asta&e of ti"e'
B A * * r a i s a $ t e ! h n i 0 e s a r e
s e d '
B S * e ! i a $ i 9 e d s o f t % a r e ? s a r e + i &
a s s e t s '
B )h e r e i s no * e na $ t y f o r * r e *a y "e nt
f r o " + or r o %e r s o %n s e r v i ! e '
>3AKN3SS3S
B 2i&h interest rates as !o"*ared to other hosin&
finan!e instittions'
B )o * "a na &e "e n t t a k e s $ a r &e a "o n t
o f t i "e t o a * *r ov e hi &h va $ e seekin& $oan
+orro%ers' No *+$i!ity'
B No "a r k e t i n & "a na & e r s %or k5 on $ y
t hr o &h ds a ? s 7 di r e ! t s a $ e s a &e nt 8 '
B #e o* $ e a r e no t a %a r e of %i de va r i e t y
o f s ! he "e s o f f e r e d +y t h e
! o "* a ny J tend to think the !o"*any as on$y
*rovidin& ho"e $oans'
B )h e r e i s t h e s ho r t a &e o f s t a f f a t
a $ "os t a $ $ + r a n! he s %hi ! h d oe s no t
e n s r e easy addressa+$e of the !sto"ers
*ro+$e"s' De$e&ation of athority and res*onsi+i$ity
is not *ro*er'
O##OR)UNI)I3S
B S * e ! i a $ r a t e s o f i n t e r e s t a r e
o f f e r e d d r i n & e ( h i + i t i o n s '
B S* e ! i a $ r a t e s of i nt e r e s t ! a n +e
i nt r o d ! e d f o r e "*$ oy e e s of #SU? S
Cre*ted nationa$ or "$tinationa$ !o"*anies?
B # r o d ! t $ i f e ! y ! $ e i s t o + e
r e v i e % e d '
B )h e &r o%i n & ! a t e & or y of t he + i $ d e r s
e n s r e t h a t & oo d5 h i & h va $ e C 0a$itative
*ro6e!ts5 *rovidin& the" ho"e $oans %ith the ne%
and innovative s!he"es !an $ead to over a$$
deve$o*"ent of the !o"*any'
)2R3A)S
B )h e ! o "*e t i t i on i n "a r k e t i s ve r y
h i & h d e t o t he *r i v a t e *$ a y e r s '
B ) h e r a t e s o f i n t e r e s t o f o t h e r
* $ a y e r s a r e 0 i t e $ o %'
B I n n o v a t i v e s ! h e "e s %i t h h o r n e
$ o a n f r o " o t h e r * $ a y e r s '
B )h e *r o! e s s i n& * r o ! e s s i s 0 i t e s $ o%
%hi ! h $ e a ds t o $ o % ho s i n& f i n a n! e '
A frad !ase invo$vin& := !ases %orth Rs': !rores at
the one +ran!h of #NB 2osin& 1inan!e -i"ited in
year =//= $eads de!reasin& +rand na"e'
-IMI)A)IONS O1 )23 S)UDD
)here are a$%ays *resent so"e $i"itations nder
%hi!h resear!her has to %ork' 2ere fo$$o%in& are
so"e $i"itations nder resear!her had to %orkA
SAM#-3 SIO3
)he sa"*$e si9e srveyed %as $i"ited over 1//
res*ondents %hi!h not "ay +e f$$y re*resentative of
the niverse' A $ar&e sa"*$e si9e !o$d not +e taken
de to ti"e C !ost !onstraints'
NON ; COE3RAG3 O1 C3R)AIN AS#3C)S
)here is %ide ran&e of *eri"eters affe!tin&
!ons"er +ehavior +t on$y a fe% 0estions re$atin&
to those deter"inants have +een endorsed in
s!hed$e'
)IM3 CONS)RAIN)
>e had $i"ited ti"e for !ond!tin& this srvey
re*ort' In this short *eriod of a$$ the res*ondents had
to +e *ersona$$y !onta!ted for the *r*ose of srvey
C then their res*onses had to +e ana$ysed ' So5 so"e
shortfa$$s "ay +e *resented'
-IMI)A)IONS O1 SAM#-ING )3C2NI@U3S
-i"itations C +iasness of !onvenien!e C 6d&"ent
sa"*$in& sed in the *resent stdy to so"e e(tent'
MON3D
Avai$a+$e %ith the resear!her a$so i"*osed a
$i"itation on the !o"*rehensive of this resear!h'
PB:STI)''!IR:
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CONDUC)ING A S)UDDON MMarketin& Srvey for 2o"e -oanM' DOU AR3
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BIB?I).R!=%K
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