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EMPLYOEE

SATISFACTION
ON HOME
LOANS
SUBMITTED TO:
DAYAKARAN SINGH

SUBMITTED BY:
TANVEER KAUR
1336664
BBA 5TH SEM

IN TRO D U CTIO N
THE AMRITSAR CENTRAL CO-OPERATIVE

BANK LTD.
This bank again came into existence on
dated 2-5-1997 after bifurcation with the
area operation of the Amritsar Distt. Vide
order no JRJ/SA/3085-95 dated 30-4-1997.The
BANK had not been granted a business
license 22 of the banking regulation act 1949
till date which needs suitable action.

BAN K EXTRAS
This bank comes out mainly to be an

agricultural bank.
But besides
agricultural loan it provides many other
types of loans. The advancing loan is
one of the primary functions of the bank.

Farmers need loan for


many purposes like purchasing land,
purchasing machinery and purchasing
fertilizer.

BANK LOANS
Short term (ST) to farmer:- this means short term loans to

farmers. These are short term loans which are to be repaid


after the six months or after getting the yield of one crop
CASH COMPONENT:-IT means the total amount of cash
made available to the farmers for any purpose. It is 7500/per acre.
Revolving cash credit (RCC):-RCC is 60000/- per acre for
one year. The credit limit is provided to the farmers for
use in agriculture. The farmers are the debtors in this
case. They repay this debt after every six months or after
the yield of one crop. It is given on the basis of the land of
the debtor. If the land of debtor increases, accordingly
RCC limit is also increased.
Medium term loan: - The bank also provides loans for
medium term. The medium term loan is provided for 4-5
years. Medium term loan is to be repaid in the half yearly
installments.

4 years loan is paid in 8 installments.


5 years loan is provided in 10 installments.
House Loan: - House loan means the loan which

is provided for the building house. Forms are


filled and interest rate is defined for house loans.
Interest rate for house loan is different from
other types of loans.
Furniture loan: Amritsar central co-op bank ltd
also provides loan for the purchase of furniture.
Furniture may be for the use at home, shops,
showrooms etc.
Building Construction loan:- The Tarn Taran
central co-op bank ltd also provides loan for the
construction work.

O B JECTIV ES O F TH E STU D Y

To know the preference of customers towards the


different loans given by the co-op bank Amritsar.
To analyse the efficiency of home loan processing
of co-op bank.
To analyse the ranking of banking facilities and
services of co-operative bank.
To study the satisfaction level of customers for
period of installment of home loan and
preferability for the home loan borrowing
facilities of the customers.

N ATU RE O F D ATA
The nature of the data that has been used in the

project under study is both primary and secondary


in nature.

PRIMARY DATA
Observation method and structured Questionnaire
with the customers of the bank has been used to
collect the primary data

SECONDARY DATA
1. Through Internet.
Manual of instructions on loans and advances

D ATA A N A LSIS A N D IN TER P R ETATIO N :-

Data after collection have been

processed and analyzed using


percentages. Data obtained during the
study have been systematically
tabulated and interpreted with the help
of tables, pie charts and bar charts

R ESEA R C H M ETH O D O LO G Y

Marketing Research is the systematic

design, collection, analysis and


reporting of data and findings relevant
to a specific marketing situation or
problem. The objective of this section
is to describe the research procedure
and methods that have been adopted
for the achievement of the project
objectives.

D ATA A N A LYSIS A N D IN TER PR ETATIO N


PREFERENCE OF CUSTOMER FOR LOANS
Kind of Loan

No. of Respondent

Percentage (%)

Home loan

16

32%

Personal loan

15

30%

Consumer loan

12%

Educational loan

16%

Vehicle loan

6%

Other

4%