CONTENTS

CHAPTER -1

1. INTRODUCTION..........................................................................................................7
1.1. ABSTRACT...........................................................................................................7
1.2. OBJECTIVES OF THE STUDY............................................................................9
1.3. NEED OF THE STUDY.......................................................................................10
1.4. SCOPE OF THE STUDY.....................................................................................10
1.5. RESEARCH METHODOLOGY..........................................................................11
1.6. TOOLS AND TECHNOLOGIES USED..............................................................11
1.7. LIMITATIONS OF THE STUDY........................................................................12
CHAPTER -2

2. LITRTATURE SURVEY.............................................................................................13
CHAPTER -3

3. COMPANY PROFILE.................................................................................................20
CHAPTER - 4

4. HOME LOAN PRODUCTS OFFERED BY SBI..........................................................28

CHAPTER -5

5. TERMS AND NORMS................................................................................................38

CHAPTER - 6

6. SYSTEMS AND PROCEDURES................................................................................64

CHAPTER -7

7. PERFORMANCE EVALUATION..............................................................................75
CHAPTER -8

8. RECOMMENDATIONS..............................................................................................90
9. UPDATE ON HOME LOANS.....................................................................................92
C O N C L U S I O N......................................................................97
BIBLIOGRAPHY.........................................................................................98
APPENDIX................................................................................................99
QUESTIONNAIRE..........................................................................................................99

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 LIST OF FIGURES

Figure 1: Housing in India.........................................................................................................13

Figure 2: Demographics in Housing..........................................................................................14
Figure 3: Housing Finance Timeline..........................................................................................14
Figure 4: Penetration of Housing Finance in the World..............................................................15
Figure 5: Improved Affordability..............................................................................................15
Figure 6: Market features..........................................................................................................16
Figure 7: Issues in Affordable Housing in India.........................................................................17
Figure 8: Shareholders of SBI....................................................................................................26
Figure 9: Software Interface for EMI calculation.......................................................................49
Figure 10: demand trends..........................................................................................................76
Figure 11: number of sanctions and disbursals...........................................................................77
Figure 12: customer portfolio....................................................................................................78
Figure 13: purpose portfolio......................................................................................................79
Figure 14: Loan amount portfolio..............................................................................................80
Figure 15: Home loan book sizes...............................................................................................81
Figure 16: credit growth trend..................................................................................................82
Figure 17: share of home loan segment in the retail portfolio.....................................................83
Figure 18: Quality of Assets......................................................................................................86
Figure 19: customer complaints.................................................................................................88

5
 LIST OF TABLES

Table 1: major home loan providers..........................................................................................16

Table 2: Associate Banks of SBI...............................................................................................23
Table 3: SBI Group Comapnies.................................................................................................24
Table 4: Best Practices in SBI...................................................................................................26
Table 5: SBI Hi-Five Loan........................................................................................................28
Table 6: Processing fee..............................................................................................................28
Table 7: loan amount in SBI easy home loan.............................................................................29
Table 8: : loan amount in SBI advantage home loan...................................................................30
Table 9: criteria and documents required for individuals............................................................39
Table 10: Criteria for Loan Amount..........................................................................................46
Table 11: Determination of Repayment capacity........................................................................47
Table 12: Enhancing Repayment capacity options.....................................................................49
Table 13: EMI calculation in the flat rate system........................................................................50
Table 14: EMI calculation in Reduced balanced system.............................................................51
Table 15: monetary ceilings.......................................................................................................53
Table 16: criteria of margin amount...........................................................................................54
Table 17: Securitization.............................................................................................................55
Table 18: Processing fee amounts..............................................................................................55
Table 19: Rate of interests.........................................................................................................58
Table 20: valuation policies.......................................................................................................62
Table 21: Systems and procedures in lending process................................................................64
Table 22: competitors................................................................................................................75
Table 23: strengths and weaknesses...........................................................................................75
Table 24: demand trend.............................................................................................................76
Table 25: customer capacity profile...........................................................................................77
Table 26: sanctions and disbursals.............................................................................................77
Table 27: customer portfolio......................................................................................................78
Table 28: lending purposes........................................................................................................79
Table 29: amounts of loans sanctioned.......................................................................................80
Table 30: loan book size............................................................................................................81
Table 31: credit growth trend.....................................................................................................82
Table 32: share of home loan segment in the retail portfolio.......................................................83
Table 33: take overs..................................................................................................................84
Table 34: outstanding amounts..................................................................................................85
Table 35: Quality of Assets.......................................................................................................86
Table 36: income generated.......................................................................................................87
Table 37: customer complaints..................................................................................................88

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