presentation on gold loan in kotak mahindra bank

1. A
Summer training project
on
Customer perception about gold loan as a short term finance
Submitted By : Submitted To :
Keyur M. Upadhyay Shree Sahajanand institute of
Enrollment No: 167610592051 management Bhavnagar
MBA SEM- 3 ( Gujarat Technological University )
Batch – 2016-2018

2.  Company overview
 Gold information
 Research topic
 Literature review
 Research problem.
 Research objective
 Hypothesis statement
 Research methodology
 Data analysis and interpretation
 Hypothesis testing
 Research findings
 Recommendation
 Limitation of study
 Conclusion
 Bibliography
 Questionnaire

3. People Designation
Uday Kotak Founder & MD & vice executive chairman
Dipak Gupta Joint MD
Jaimin Gupta President & Group CFO
Shanti
Ekambaram
President- Consumer banking
KVS mainan President- corporate, investment &
institutional Banking
Mohan Shenoi Chief operating Officer
Gaurang Shah President- Assets management insurance &
international Banking
D Kannan Group head –Commercial Banking
Arvind Kathpalia Risk Officer

4.  Customer Perception about Gold Loan as Short Term of Finance

5.  By M.S Sibi (2014)covers the gold loan protection practices among borrowers in financial
institutions. The aim of this paper is to collect the borrowers’ opinion towards protection
practices followed by Banks and NBFCs. The aim was achieved through a descriptive
study involving a survey. The dataset from the sample underwent series of statistical
analysis, i.e. chi-square test Loan against gold are traditionally considered taboo
especially in Indian households. Even when gold is pledged, it is still done as the last
resort.
 By Jasvindarjit Kaur (2016) India is known to be the largest importer of gold in the
world. Indians have strong fascination and high sentiments to possess the gold.
Resultant, the gold loan market also shown vigorous growth in the recent years. Gold
loan NBFCs has created a remarkable position for themselves in the process of
economic development and financial inclusion by monetizing the idle gold stock of
the country on one hand. On the other hand gold loan NBFCs meet the consumption
and financing needs especially of the rural and under banked populaces. But on the
same time the robust growth of these gold loan NBFCs and their aggressiveness in
tapping the potential gold loan market necessitated that their operations should be
closely monitored. So, the present study is an endeavor to analyze and compare the
financial performance of the two giant gold loan NBFCs namely Manappuram
Finance Ltd. and Muthoot Finance Ltd. on the basis of CAMEL model. Overall, the
study resulted that both the gold loan NBFCs perform on the same lines on the
parameters of CAMEL model. But Manappuram Finance Ltd. is better performer in
context of capital adequacy parameter while Muthoot Finance Ltd. is gaining lead in
context of management efficiency.

6.  By Priya Narayan , Balagopal Gopalkrishnan , Arvind Sahay(2017) India is the
second largest consumer of gold in the world and gold is a major contributor to the
current account deficit. Much of the gold goes out of circulation and is not available to
support economic activity. To encourage consumers to bring the gold back into
circulation, the government of India instituted the Gold Monetization Policy in 2015.
This research views the Gold Monetization Policy in India through the lens of
consumer associations with gold, as well as the banker and refiner perspectives on
implementation challenges. The success of this policy is important for the country to
better manage its current account balance, in a milieu where gold consumption holds
sociocultural importance. The research uses an empirical approach to analyze how
various stakeholders have approached the policy, and provides suggestions to
increase uptake of the policy. It employs a mixed method approach to understand the
motivations and barriers faced by various stakeholders in the gold ecosystem.

7.  Primary Objective: Primary objective of my study is to understand the perception of
consumers’ about gold loan as a short term source of finance.
 Secondary Objectives:
 To understand consumers’ awareness about different short term sources of finance
 To understand thinking of consumers about gold loan as an option of short term
source of finance.
 To understand the impact of culture and education on preference of gold loan as a
short term source of finance.

8.  H0: There is no impact of culture on consumers’ preference about gold loan as a
short term source of finance
 H1: There is impact of culture on consumers’ preference about gold loan as a short
term source of finance
 H0: There is no impact of Education on consumers’ preference about gold loan as a
short term source of finance
 H1: There is impact of Education on consumers’ preference about gold loan as a
short term source of finance

9. Types Of Data Primary
Research Design Descriptive
Population ( type & size) Population Of Bhavnagar city
Sampling Method Non probability Convenience Sampling
Sampling Size 377
Data Collection Method Survey
Data Collection Instrument Questionnaire
Data Analysis tools & techniques Tabulation , Graphs and Chi-square
technique for Hypothesis Testing

11. Particulars Responds
Personal loan 145
Loan against
property
60
Loan against
security
42
Loan against
insurance policy
15
Loan against
fixed deposit
26
Gold loan 80
Others 8
38.46
15.91
11.14
3.97
6.89
21.22
2.12
Personal Loan
loan against
property
loan against
security
loan against
insurance policy
loan against fixed
deposit
gold loan
others

12.  From the above chart we can conclude that 38.46% responds are in personal loan,
11.14%are on loan against security, 3.97% are responds are loan against insurance
policy, 15.91% responds are for the loan against property, while 6.89% are responds
on fixed deposit and 21.22% and 2.12 % are for gold loan and other loan
respectively.

13. Particulars Responds
Personal loan 92
Loan against
property
40
Loan against
Security
18
Loan against
insurance policy
45
Loan against
Fixed Deposit
23
Gold loan 147
Others 12
24.4
10.61
4.78
11.94
6.1
38.99
3.18
Personal Loan
Loan against
property
lLoan against
Security
Loan against
insurance policy
Loan against
fixed deposit
Gold loan

14.  10.61% are for the loan against property, while 6.1% are responds on fixed deposit
and 38.99% and 3.18 % are for From the above chart we can conclude that 24.4%
responds are in personal loan, 4.78% are on loan against security, 11.94% are
responds are loan against insurance policy, 10.61% responds gold loan and other
loan respectively.

15. Particulars Responds
Personal loan 126
Loan against
property
12
Loan against
security
27
Loan against
insurance policy
9
Loan against
Fixed deposit
78
Gold loan 114
Others 11
33.42
3.18
7.16
2.39
20.69
30.24
2.92
personal loan
Loan against
property
Loan against
security
Loan against
insurance policy
Loan against
Fixed Deposit
Gold loan
others

16. 33.42
3.18
7.16
2.39
20.69
30.24
2.92
personal loan
Loan against property
Loan against security
Loan against insurance policy
Loan against Fixed Deposit
Gold loan
others

17.  From the above chart we can conclude that 33.42% responds are in personal loan,
7.16% are on loan against security, 2.39% are responds are loan against insurance
policy, 3.18% responds are for the loan against property, while 20.69% are responds
on fixed deposit and 30.24% and 2.92 % are for gold loan and other loan
respectively.

18. Particulars Responds
Strongly Agree 168
Agree 65
Can’t Say 30
Disagree 85
Strongly
Disagree
29
44.56
17.24
7.96
22.55
7.69
Strongly agree
Agree
Can't say
Disagree
Strongly Disagree

19.  From the above chart we can see that 44.56% are strongly agree with this statement
, while 17.24% responds are agree and 7.96% , 22.55% , 7.69% responds are can’t
say , disagree and strongly Disagree respectively

20. Particulars Responds
Strongly Agree 168
Agree 40
Can’t Say 54
Disagree 78
Strongly
Disagree
37
44.56
10.61
14.32
20.68
9.81
Strongly Agree
Agreee
Can't say
Disagree
Strongly disagree

21.  From the above chart we can see that 44.56% are strongly agree with this statement
, while 10.61% responds are agree and 14.32% , 20.68% , 9.81% responds are can’t
say , disagree and strongly Disagree respectively.

22. Particulars Responds
Strongly Agree 204
Agree 64
Can’t Say 17
Disagree 62
Strongly
Disagree
30
54.11
16.97
4.51
16.45
7.96
Strongly Agree
Agree
can't Say
Disagree
Strongly Disagree

23.  From the above chart we can see that 54.11% are strongly agree with this statement
, while 16.97% responds are agree and 4.51% , 16.45% , 7.96% responds are can’t
say , disagree and strongly Disagree respectively

24. Particulars Responds
Strongly Agree 64
Agree 73
Can’t Say 94
Disagree 104
Strongly
Disagree
42
16.97
19.36
24.93
27.6
11.14
Strongly agree
Agree
Can't Say
Disagree
Strongly Disagree

25.  From the above chart we can see that 16.97% are strongly agree with this statement
, while 19.36% responds are agree and 24.93% , 27.6% , 11.14% responds are can’t
say , disagree and strongly Disagree respectively

26. Particulars Responds
Strongly Agree 40
Agree 73
Can’t Say 106
Disagree 78
Strongly
Disagree
80
10.61
19.36
28.11
20.7
21.22 Strongly Agree
Agree
Can't Say
Disagree
Strongly Disagree

27.  From the above chart we can see that 10.61% are strongly agree with this statement
, while 19.36% responds are agree and 28.11% , 20.7% , 21.22% responds are can’t
say , disagree and strongly Disagree respectively

28. Particulars Responds
Strongly Agree 214
Agree 50
Can’t Say 0
Disagree 73
Strongly
Disagree
40
56.8
13.3
0
19.3
10.6
Strongly Agree
Agree
Can't say
Disagree
Strongly disagree

29.  From the above chart we can see that 56.8% are strongly agree with this statement ,
while 13.3% responds are agree and 0 , 19.3% , 10.6% responds are can’t say ,
disagree and strongly Disagree respectively

30. Particulars Responds
Strongly Agree 217
Agree 30
Can’t Say 2
Disagree 30
Strongly
Disagree
98
57.6
7.95
0.51
7.95
25.99
Strongly agreee
Agree
Can't Say
Disagree
Strongly Disagree

31.  From the above chart we can see that 57.6% are strongly agree with this statement ,
while 7.95% responds are agree and 0.51% , 7.95% , 25.99% responds are can’t
say , disagree and strongly Disagree respectively

32. Particulars Responds
Strongly Agree 194
Agree 60
Can’t Say 15
Disagree 40
Strongly
Disagree
68
51.45
15.92
3.97
10.6
18.04
Strongly Agree
Agree
Can't Say
Disagree
Strongly Disagree

33.  From the above chart we can see that 51.45% are strongly agree with this statement
, while 15.92% responds are agree and 3.97% , 18.04% , 10.6% responds are can’t
say , disagree and strongly Disagree respectively

34. Particulars Responds
Strongly Agree 32
Agree 104
Can’t Say 33
Disagree 108
Strongly
Disagree
100
8.49
27.58
8.75
28.64
26.53
Strongly
Agree
Agree
Can't
Say
Disagree

35.  From the above chart we can see that 8.49% are strongly agree with this statement ,
while 25.58% responds are agree and 8.75% , 28.64% , 26.53% responds are can’t
say , disagree and strongly Disagree respectively

36. Particulars Responds
Strongly Agree 78
Agree 67
Can’t Say 94
Disagree 62
Strongly
Disagree
76
20.68
17.77
24.94
16.45
20.16
Strongly Agree
Agree
Can't Say
Disagree
Strongly Disagree

37.  From the above chart we can see that 20.68% are strongly agree with this statement
, while 17.77% responds are agree and 24.94% , 16.45% , 20.16% responds are
can’t say , disagree and strongly Disagree respectively

38. Particulars Responds
Strongly Agree 37
Agree 25
Can’t Say 65
Disagree 34
Strongly
Disagree
216
9.81 6.63
17.24
9.01
57.3
Strongly Agree
Agree
Can't Say
Disagree

39.  From the above chart we can see that 9.81% are strongly agree with this statement ,
while 6.63% responds are agree and 17.24% , 9.01% , 57.3% responds are can’t
say , disagree and strongly Disagree respectively

40. Particulars Responds
Strongly Agree 142
Agree 74
Can’t Say 23
Disagree 98
Strongly
Disagree
40
37.6
19.7
6.1
25.99
10.61
Strongly Agree
Agree
Can't Say
Disagree
Strongly Disagree

41.  From the above chart we can see that 37.6% are strongly agree with this statement
, while 19.7% responds are agree and 6.1% , 25.99% , 10.61% responds are can’t
say , disagree and strongly Disagree respectively

42. H0: There is no impact of culture on consumers’ preference about gold loan as a
short term source of finance
H1: There is impact of culture on consumers’ preference about gold loan as a
short term source of finance

43. Particulars Positive Impact Negative Impact Total
Strongly Agree 194 142 336
Agree 60 74 134
Disagree 68 40 108
Strongly
Disagree
40 98 138
Cant’ Say 15 23 38
Total 377 377 754

44. F0 Fe F0 – Fe (F0 – Fe)2 (F0 – Fe)2
Fe
194 168 26 676 4.0238
60 67 -7 49 0.7205
68 54 14 256 4.7407
40 69 -29 841 12.1884
15 19 -4 16 0.8421
142 168 -26 676 4.0238
74 67 7 49 0.7205
40 54 -14 256 4.7407
98 69 29 676 12.1884
23 19 4 16 0.8421
Total 45.031

45. (R-1)(C-1)
= (5-1) (2-1)
= 4
Significance level= 0.05 (5%)
Calculated value= 45.031
Tabulated value= 9.4877
Calculated value (45.031) > tabulated value (9.4877)
So, hypothesis is rejected

46. Education Yes No Total
Below
Graduate
32 108 140
Above
Graduate
104 100 204
Total 136 208 344
H0: There is no impact of Education on consumers’ preference about gold
loan as a short term source of finance
H1: There is impact of Education on consumers’ preference about gold loan
as a short term source of finance

47. F0 Fe F0-Fe (F0 – Fe)2 (F0 – Fe)2
Fe
32 70 -38 1444 20.6285
104 102 2 4 0.0392
108 70 38 1444 20.6285
100 102 -2 4 0.0392
Total 41.3354

48. (R-1)(C-1)
= (2-1) (2-1)
= 1
Significance level= 0.05 (5%)
Calculated value= 41.3354
Tabulated value= 3.8415
Calculated value (41.3354) > tabulated value (3.8415)
So, hypothesis is rejected

49.  We have to change our perception through education.
 It is all about human perception.
 Taking gold loan is bad in our society that will be change.

50.  The main aim of the research was to help the organization the increase productivity
and efficiency of gold loan. So there are some Recommendation that can be help for
the employee.

51.  The main factor of study that our culture and societies perception are bad to take the
gold loan
 Perception are also depends on the education because of many times it is good for
taking decision source of finance.

52.  I have completed my report as a researcher. I conclude that kotak Mahindra bank is
good bank ever. It always tries encouraging their customer for the taking gold loan.
 I have increased my knowledge to a great experience. it is my pleasure that it was a
very well opportunity for me to do research on this great bank.

53.  Kothari C.R,” Research Methodology,” Second edition , New Age International
Pvt. Ltd., New Delhi.
 www.kotak.com
 www.irjbm.org
 www.pbr.co.in