1. To explore possibilities of
Take-over of Housing
Loans at Lucknow
Presented BySomendra Singh
MBA-Marketing

2. Overview
• State Bank of India was constituted on 1 July 1955.
• It has 61.5% share of Central Govt. and work as Public sector Bank.
• It has more than 15000 branch network and highest number of ATMs in all over
India.
• SBI has 14 directors who is headed by Chairman, currently Arundhati Bhattachhrya is
the chairman of SBI.
• Key Operations state Bank of
India
Corporate
Bank
National
Bank
Intertational
Bank
Treasury
Operation
Associate &
Subsidiaries

3. Overview of Report
Company
State Bank of India
Title of the report
Find the possibilities of Take over of home
loan in Lucknow
Sector
Financial Sector
Industry
Housing Finance Industry
Location of the Summer Training
Lucknow
Region selected for Summer Training
Dainik Jagaran Chauraha, Jopling Road,
Rajendra Nagar, Indra Ngar and some other
parts
Target customer
Families living in apartments
Duration
8 Weeks

4. Objectives
Primary Objective
 First and foremost objective is to explore the possibilities of Housing
loans in Lucknow
 Generating leads of home loans from collected information through
survey forms
 Switch other bank’s Home Loan customer to the State Bank of India

5. Secondary Objectives
 To place SBI Advance Product ahead of the competitors
 To maintain good relationship with old customer and try to find
out their satisfaction level
 To know the competitor’s market share in Lucknow.
 To know what kind of services competitor gives to their
customers.
 To make the customer aware of the benefits of the product and
convince him to go for SBI Advance Product.

6. Research Methodology
Sample Size :- Sample of 200 people was taken into study, and their data
was collected.
Sampling Technique :- To study the Project, convenience Sampling
technique is used.
Data Sources :1) Primary Data Sources :- data collected by visiting individual and
apartments
2) Secondary Data Sources :- sells information Data real estate firm and data
of loan of Maruti Suzuki.

7. Method :- Data is collected through questionnaire method, and personal
interviewing and through calling.
Statistical tools used for analysis :- Tools like percentage, ranking, averages etc.
and after that data is represented graphically
for further analysis.

8. Analysis of
Data

9. Sales
Customer’s dependence on SBI for their
regular transaction
CAN'T
SAY
10%
State Bank of India
Other PSUs
Any private Bank
NO
28%
YES
62%
Customer’s awareness towards
SBI various products
Foreign Bank

10. Sales
OTHER
HDFC
Customer’s preference for taking Loan
in Lucknow
1%
2%
ICICI
12%
SBI
85%
0%
20%
30%
40%
50%
60%
70%
80%
Sales
[CATEGORY
NAME]
Nearby
branch
10%
Newspaper
Medium through which customer get to
know about the SBI Home Loan Services
Holdings
Electronic
media
90%

11. 7%
4%
37%
Customer ‘s perception towards the availing of
services in SBI
FEATURES LIKE BY CUSTOMER
60%
50%
40%
30%
20%
10%
0%
52%
Dissatisfactory
Moderate
Satisfactory
Delighted
Features like most by customers in
Loan segments of SBI

12. Recommendations
 Customer awareness program is required so that more people should attract towards advance
product.
 If there are any kind of hidden charges than that must disclose to customer before giving loan
to them.
 SBI must take some steps so that customers can get their loan in time.
 Before deducting or charging any monetary charge SBI must consult with customer.
 SBI should more focus on Retaining existing customers. and cross selling of the product.
 SBI must take feedbacks of customers regarding features & services.
 Agents/ Employees should be trained, well educated & proper trained to convince the people
about different advance product.

13. Conclusion
 From the analysis part it can be concluded that SBI has very good faith among
customer and for any type of loan customer first prefer SBI and after getting –
ve answer they switch to the other bank.
 Heavy documentation and poor service are two big issue for SBI.
 Most of the people are ready for the switch if SBI avail them better services.
 SBI don’t provide loan for the property of society and also don’t customized
their product.