1. UNIVERSITY OF LUCKNOW
Department of business administration
LUCKNOW
COMPARATIVE STUDY OF SBI HOME LOAN SCHEME VIS-À-VIS
OTHERS. SUGGESTIONS AND METHODOLOGY FOR TAKEOVER
FROM OTHER BANKS.
NAME OF THE STUDENT
PROJECT MENTOR
Danish Ali
Mrs. Janki Harbola
M.B.A.(Marketing)
CM (Rural), Region-
Department of business administration
RBO, Kanpur
University of Lucknow
19 JUNE, 2013 TO 18 AUGUST, 2013

2. ACKNOWLEDGEMENT
“I bow my head with great reverence to Him who is omnipresent and is the cause behind every
effort.
Working with STATE BANK OF INDIA during my training was a great opportunity and was a great
learning experience to me.
The satisfaction, which accompanies the successful completion of any task, is incomplete
without the mention of the names of those people who made it possible, because success is the
epitome of hard work, perseverance, undeterred missionary, zeal, determination and the most
encouraging guidance and advice which serve as beacon light and crown our effort with success.
I express my profound gratitude and indebtedness to Mrs. Janki Harbola ,Chief Manager(Rural),
RBO Region-I , Kanpur for his guidance, suggestions, supervision, tireless help and encouragement
throughout the project work without which the project would not have been possible.
I am also grateful to Mr. Mata Prasad for their inspiring and valuable help and guidance, proper
authentic suggestions and soothing affection from time to time throughout the course of my project.
I wish to express my hearty thanks to my family, friends and relatives for their kind
cooperation, affection, support and encouragement as without their support and guidance I could not
have undergone the project.
And finally, I express my heartfelt gratitude to each and every individual who have been
associated with this project work including those whom I may have inadvertently failed to mention.
Danish Ali

3. TABLE OF CONTENTS
ACKNOWLEDGEMENT
INTRODUCTION
 Personal profile……………………………………………………………………...01
 Mentors profile……………………………………………………………………...02
 Organizational profile……………………………………………………………….03-06
 Overview………………………………………………………..…………..03
 Evolution of SBI……………………………………………….…………...03
 Establishment…………………………………………………..……….…..04
 Business………………………………………………………..…………...04-05
 First Five year plan…………………………………………..……………..05
 Key areas of operation………………………………………..………….…06
 Growth and Opportunities…………………………………………...……………..07
 Weakness and threats…………………………………………………..…………..07
 Different product of SBI…………………………………………………..….……08
 Awards and recognitions…………………………………………………...………09
 Nature of product……………………………………………………………....…..10
 Objectives assigned by the project mentor………..………………………………..10
FRAMEWORK OF STUDY
 SBI home loans……………………………………………………………………..11
 Product………………………………………………………………………...…...12-17
 SBI Maxgain…………………………………………………………….…12
 SBI yuva home loan…………………………………………….………….13
 NRI home loans……………………………………………………………14
 SBI realty…………………………………………………………………..14
 SBI PAL…………………………………………………………………...15
 SBI tribal plus……………………………...…………………………....…16
 Gram niwas…………………………………………..…………………….16
 Sahyog niwas………………………………………………………………17
 Related home loan products…………………………………………………….…18
 SBI home equity…………………………………………...........................18
 Earnest money deposit (EMD) scheme……………………………………18
 SBI reverse mortgage loan………………………………………………...19
 Features………………………………………………….....................20
 Eligibility…………………………………………………………………..20
 Sequrity…………………………………………………………………….21
 Margin/LTV Ratio…………………………………………………………21
 Fees………………………………………………………...........................22
 Interest rate………………………………………………………………...23
 Repayment………………………………………………………………………....24

4.  Documents………………………………………………………………………..24-25
 The MITC covers…………………………………………………………………26-29
 Tie Up Arrangement……………………………………………………………...30
 Home loan free group personal accident insurance…...…………………………..31
 Takeover of home loans…………………………………………………………..32-36
 Objective of study……………………………………….......................................37
 Scope of the study……………………………………….......................................37
 Limitations………………………………………………………………………..38
 Period of study……………………………………………………………………38
RESEARCH METHODOLOGY
 Research process………………………………………………………………….39-40
 Observations……………………………………………………………………...40
 Analysis…………………………………………………………………………..41
 Analysis of home loan schemes of various banks………………………..41-43
 Customers feedback interpretation ………………………………………44-49
 Conclusion………………………………………………………………………..50-52
 Recommendations……………………………………………………………..…53
 References………………………………………………......................................55-57.
LIST OF CHARTS
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Profession………………………………………………………………………..44
Income group…………………………………………………………………….44
Information Medium…………………………………………………………….45
Awareness……………………………………………………………………….45
Awareness about T & C…………………………………………………………46
Bank Loan processing…………………………………………………………...47
Employee’s behavior…………………………………………………………….48
Time taken in sanction of loan…………………………………………………..49
LIST OF TABLES
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Analysis of home loan schemes of various banks………………………………41,42,43
Profession……………………………………………………………………….44
Income group……………………………………………………………………44
Information Medium…………………………………………………………….45
Awareness……………………………………………………………………….45
Awareness about T & C…………………………………………………………46
Bank Loan processing…………………………………………………………...47
Employee’s behavior…………………………………………………………….48
Time taken in sanction of loan…………………………………………………..49