Final Thesis - 2003 Format

A study is a comparative study between DEUTSCHE Bank Ltd.
, with than of Kotak Mahindra Bank with regards

to Personal Loans
A Report
On
A study is a comparative study between DEUTSCHE Bank

Ltd., and of Kotak Mahindra Bank with regards to Personal
Loans
Indian Institute Of Planning and Management Page 1

A study is a comparative study between DEUTSCHE Bank Ltd., with than of Kotak Mahindra Bank with regards
to Personal Loans
TABLE OF CONTENTS
DECLARATION
ACKNOWLEDGEMENT
Chapter Particulars
Abstract
Chapter 2 Introduction
2.1 Introduction about Bank
2.2 Loans
2.3 Personal Loans
2.4 Project Objective
2.5 Objectives
Chapter 3. Industry Profile
3.1 History & Introduction
3.2 Nationalization of Banks in India
3.3 Fact Files of Banks in India
3.5 Current Scenario
3.6 Banking Industry in India
Chapter 4. Company Profile of DEUTSCHE Bank Ltd.
4.1 Introduction
4.2 Main Functions of DEUTSCHE Bank Ltd.
4.3 Management and Organization
4.4 Milestones
4.5 Amalgamation of DEUTSCHE Bank into

to Personal Loans
DEUTSCHE Bank Ltd.,
4.6 Facts and Figures
4.7 Personal Loans
4.8 Different Products of DEUTSCHE Bank Ltd.,
Chapter Particulars
Chapter 5. Company Profile of Kotak Mahindra Bank
5.1 Introduction
5.2 Kotak Mahindra Bank in India
5.3 Network
5.4 Achievement of Kotak Mahindra Bank
5.5 Different Products of Kotak Mahindra Bank
Chapter 6. DEUTSCHE BANK Personal Loan Product
6.1 Targeted Customers, Eligibility &

Documentation of DEUTSCHE Bank Ltd.,
Chapter 7. Project Title
7.1 Research Methodology
7.3 Schedule
Chapter 8. Survey analysis and interpretations
Chapter 9. Findings
Chapter Suggestions
10.
Chapter Conclusion
11.
Chapter Bibliography
12.
Books, Websites

to Personal Loans
Chapter Annexure
13.
Questionnaire
Chapter On - The- Job Training

14.
13.1 Problem Definition
13.2 Task and Targets
13.3. Achievements
Declaration

to Personal Loans
This is to declare that the report entitled “A study is a comparative study between DEUTSCHE
Bank Ltd., and of Kotak Mahindra Bank with regards to Personal Loans” is prepared for the
partial fulfillment for the award of post graduate programme in Planning & Entrepreneurship
from IIPM, Bangalore. Of the course: Dissertation in Term – VIII (Batch: Aug. 2007-2009) of
the Post Graduate Program, is are cord of independent research carried out by me under the
supervision of Mr.Rakesh Gajaria.
I confirm that this dissertation truly represents my work. I also confirm that the contents of the
report and the views contained therein have been discussed and deliberated with the Faculty
Guide.
Signature of the Student :
Name of the Student (in Capital Letters) : KARTHIK.B
Registration No : BF07F067

to Personal Loans
ACKNOWLEDGEMENTS
Firstly of all I would like to thank the Indian Institute of Planning and Management for
conducting the Dissertation/Thesis Programme that helps us get the practical knowledge about the
work environment.
I would also like to thank our Dean Jaya Chandran and Administrator Tareque Laskar. Welling
for their valuable guidance.
I would like to thank our faculty Mr. Dinesh Aggarwal who is mu dissertation Guide J.P.Nagar,
for his support and guidance throughout the project.
I would also like to thank our Company Guide Mr. Rakesh Gajaria A.V.P of CTAS (Corporate
Trust & Agency Services) , my Unit Management Mr. Naveen for their valuable guidance
through the project.
At the end I would like to thank our all the faculties for their full co-operation and guidance in
completion of my project by giving all required information for doing this project.
I would like to place on record my sincere gratitude to everyone who has helped in brining me
this project to a reality.
APPROVAL LETTER
Dear Student,
Your thesis/alumni id is
BF07F067
Regards
Rekha
Dear Karthik

to Personal Loans
I have received your synopsis and confirmation that Mr.Dinesh Agarwal will be your guide for the thesis. The
topic is fine and you can go ahead with your thesis on "Do Interest Rates Make A Difference For Bank Loans
---- A Comparative Study Of Deutsche Bank With Kotak Mahindra Bank".
Treat this mail as a formal approval of the same.
Remember to get yourself registered at the IIPM Academics by showing a copy of this approval mail or
forwarding this mail to academics.iipmb@gmail..com and get the ID No.
You have to send me at least 6 Thesis Response Sheet before submitting the Final Thesis . The Response
Sheet should contain the following Details. You can take a separate document in the same format. Make sure
you mail the response sheet at regular intervals. Your thesiswill be evaluated on the basis of a viva voce,
details of which will be intimated to you after you have been issued the Alumni ID. The last date for
submission of the thesis is 30 Sep 2009. Remember that missing the deadline for submission could mean a
penalty of Rs. 1000/- as well as the possibility of the thesis not being in time for processing your documents
during the convocation.
1) Your Name
2) Your ID Number
3) The Topic of the Study
4) Questionnaire which you have made to collect Primary Data (in the first or the second Response sheet)
5) Date when the Guide was consulted.
6) The outcome of the discussion
7) The Progress of the Thesis
Regards
Tareque
On Tue, Jun 2, 2009 at 9:15 PM, karthik b <karthik.6896@gmail.com> wrote:

Hello Sir,
Sorry for delay but go thru the word document
With Regards
Karthik.B
Fin-3(MBA 07-09Batch)
IIPM
ABSTRACT
DEUTSCHE BANK is the tenth largest Bank in the world in the terms of development. It is
vested with the responsibility of co-ordinating the working of institutions engages in financing,
promoting and developing industries.

to Personal Loans
The theme of the project is to understand the importance of Interest Rates and the other factors
like services, processing fees, processing / approval time etc that are been provided by a bank to
its customers.
The topic of the study is a comparative study between DEUTSCHE Bank Ltd., with than of
Kotak Mahindra Bank with regards to Personal Loans. The study is been conducted to compare
the interest rate, the service provided by them and other charges that are been charged by both the
banks.
With the help of this project we can come to know whether the Interest rate of the service
provided by a bank plays an important role. It is to know whether the high rate of interest makes
any difference to the customers of Personal Loans
INTRODUCTION
Banking was in existing even in ancient times. The writings of Manu (the marker of Old Hindu
Law) and Kutilya (the minister or Chandragupta Maurya) and the teaching of Christ contained
references to banking.
However, modern banking is of recent origin. It come into existence only after the industrial
revolution. After the industrial revolution, with the increase in the size of industrial and business
units, joint stock company from of business organization came into existence. People were
willing to part with their surplus money, if they were assured of the repayment of their money
with some interest thereon. So there arose the need for the formation of financial institutions
called Joint stock banks or modern banks.
According to some, the English word “bank” is derived from the Italian world “banco”, the Latin
word “bancus” and the French word “banque”, which means a bench. But according to others, the
term “bank” is derived from the German word “banck”, which mean a joint stock fund or a
common fund raised from a large number of members of the public.

to Personal Loans
The Indian Banking Regulation Act of 1949 defines the term “banking” as “accepting, for the
purpose of lending or investment, of deposits of money from the public, repayable on demand or
otherwise, ad withdrawable by cheque, draft, order or otherwise”.
Loans
A Loan is a type of debt. Like all debt instruments, a loan entails the redistribution of financial
assets over time, between the lender and the borrower. The borrower initially receives an amount
of money from the lender, which they pay back, usually but not always in regular installments, to
the lender. This service is generally provided at a cost, referred to as interest on the debt. Bank
loans and credit are one way to increase the money supply.
A personal loan is a way of borrowing money from a bank, building society or other financial
service provider.
Interest on loans is the principal source of revenue for most banks, making their various lending
departments critical to their success. The commercial lending department loans money to
companies to start or expand a business or to purchase inventory and capital equipment. The
consumer-lending department handles student loans, credit cards, and loans for home
improvements, debt consolidation, and automobile purchases. Finally, the mortgage lending
department loans money to individuals and businesses to purchase real estate.
The money to lend comes primarily from deposits in checking and savings accounts, certificates
of deposits, money market accounts, and other deposit accounts that consumers and business set
up with the bank.
The Banks had, in keeping with the RBI Guidelines, evolved and formulated a well-defined Loan
Policy. The basic objectives of the Loan Policy of the Bank are:
 To channelize the flow of fund for productive use
 To properly explain and evaluate Loan Proposals.

to Personal Loans
 To ensure credit facilities are released in time.
The borrower’s requirements are determined on the basis of their Net Worth. The ratio of the net
worth to the bank credit of the borrower shall not normally exceed 1:4. The limits of the various
borrowers are assessed depending upon their requirements and their line of activity.
While giving a loan to the borrow, the Bank recovers the following charges in borrower’s
accounts:
 Processing Charges
 Inspection Charges
 Supervision Charges
 Lead Bank Charges
 Commitment Charges
 Commission on guarantees and letter of credits
 Up Front Fee
Personal Loans

to Personal Loans
The Loans which are used for personal purpose by a customer for his/her ward’s higher
education, wedding in a family, home improvement or maybe just an expensive purchase, for
which includes an insurance cover; a monthly EMI to be paid, which is in reducing balance; given
at without any security and at a convenient rate of interest as of the eligibility condition(s)
satisfied by either a salaried, self-employed professional and self-employed businessperson. The
documents requires are a salary slip; proof of personal identity and signature will just be fine.
Other things necessary could be a passport sized photograph and credit card statements.
PROJECT TITLE
Project Definition:
Do Interest Rates Make A Difference for Bank Loans – A Comparative Study of DEUTSCHE
Bank with Kotak Mahindra Bank.
Objectives:
• The study will cover the various aspects in relation to the personal loans.
• To know the perception and the satisfaction level of the customers towards the product
provided by DEUTSCHE Bank.
• To know whether the Interest Rates or the Service provided by the banks plays an
important role.
Limitations:
Though the present study aims to achieve the above-mentioned objectives in full earnest and
accuracy, it may be hampered due to certain limitations. Some of the limitations of this study
were

to Personal Loans
• The banks may not provide the necessary information needed as the information may be
used by its competitors.
• Any suggestions provide may not be always accepted by the organization.
• Customers may provide with misleading information through the questionnaire method.
INDUSTRY PROFILE
History
Banking was in existence in India from very early times. But modern banking started in India
only from the beginning of the 19th century. The earliest commercial banks were started in India
by the employees of the East India Company. These banks were known as Agency Houses.
The Indian banking can be broadly categorized into nationalized (government owned), private
banks and specialized banking institutions. The Reserve Bank of India acts a centralized body
monitoring any discrepancies and shortcoming in the system.
Banks have a long history, and have influenced economics and politics for centuries. Indian
banking industry, today is in the midst of an IT revolution. The Indian Banking System has been
operating successfully over the last two centuries. It was in 50s that the Government of India
evolved the policy of using the Banking system as an instrument of economic development and
social change.
Government took major step in the 1969 to put the banking sector into systems and nationalized
14 private banks in the mentioned year. In India the banks are being segregated in different
groups. Each group has their own benefits and limitations in operating in India. Each has their
own dedicated target market. Few of them only work in rural sector while others in both rural as
well as urban.

to Personal Loans
The first bank in India, though conservative, was established in 1786. from 1786 till today, the
journey of Indian Banking System can be segregated into three distinct phases. They are as
mentioned below:
o Early phase form 1786 to 1969 of Indian Banks.
o Nationalization of Indian Banks and up to 1991 prior to Indian banking Sector Reforms.
o New phase of Indian Banking System with the advent of Indian Financial & Banking
Sector Reforms after 1991.
The banking system can be divided into three phases. They are Phase I, Phase II and Phase
III.
Phase I:
The General Bank of India was set up in the year 1786. the next Bank that came into
existence was Bank of Hindustan and Bengal Bank. The East India Company established Bank of
Bengal (1809), Bank of Bombay (1840) and Bank of Madras (1843) as independent units and
called it Presidency Banks. These three banks were amalgamated in 1920 and Imperial Bank of
India was established which started as private shareholders banks, mostly Europeans
shareholders.
In 1865 Allahabad Bank was established and first time exclusively by Indians, Punjab National
Bank Ltd., was set up in 1894 with headquarters at Lahore. Between 1906 and 1913, Bank of
India, Central Bank of India, Bank of Baroda, Canara Bank, Indian Bank, and Bank of Mysore
were set up. Reserve Bank of India came in 1935. During the first phase the growth was very
slow and banks also experienced periodic failures between 1913 and 1948. There were
approximately 1100 banks, mostly small. To streamline the functioning and activities of
commercial banks, the Government of India come up with The Banking Companies Act, 1949
which was later changed to Bank Regulation Act 1949.

to Personal Loans
Phase II (Nationalization):
Government took major steps in this Indian Banking Sector Reform after independence. In 1955,
it nationalized Imperial Bank of India with extensive banking facilities on a large scale especially
in rural and semi-urban areas. It formed State Bank of India to act as the principal agent of RBI
and to handle banking transactions of the Union and State Governments all over the country.
Seven banks forming subsidiary of State Bank of India was nationalized in 1960 on 19th July,
1969, major process of nationalization was carried out. It was the effort of the them prime
Minister of India, Mrs. Indira Gandhi. 14 major commercial banks in the country were
nationalized. Second phase of nationalization Indian Banking Sector Reform was carried out in
1980 with seven more banks. This step brought 80% of the banking segment in India under
Government ownership.
The following area the steps taken by the Government of India to Regulate Banking Institutions
in the Country.
• 1949: Enactment of Banking Regulation Act.
• 1955: Nationalization of State Bank of India.
• 1959: Nationalization of SBI subsidiaries.
• 1961 : Insurance cover extended to deposits.
• 1969: Nationalization of 14 major banks.
• 1971 : Creation of credit guarantee corporation.
• 1975: Certain of regional rural banks.

to Personal Loans
• 1980: Nationalization of seven banks with deposits over 200 crore.
Phase III (Liberalization):
This phase has introduced many more produces and facilities in banking sector in its reforms
measure. In 1991, under the chairmanship of M.Narasimhan, as committee was set up by his
name which worked for the liberalization of banking practices. His government embarked on a
policy of liberalization and gave licences to a small number of private banks, which came to be
known as New Generation tech-savvy banks, which included banks like ICICI Bank and HDFC
Bank. The country was also flooded with foreign banks and their ATM stations. Efforts were
being put to give a satisfactory service to customers. Phone banking and net banking was also
introduced. The entire system became more convenient and swift.
Nationalization of Banks in India:
The nationalization n of banks in India took place in 1969 by Mrs. Indira Gandhi the then prime
minister. It nationalized 14 banks then. These banks were mostly owned by businessmen and
even managed by them.
 Central Bank of India
 Bank of Maharashtra
 Dena Bank
 Punjab National Bank
 Syndicate Bank
 Canara Bank

to Personal Loans
 Indian Bank
 Indian Overseas Bank
 Bank of Baroda
 Union Bank
 Allahabad Bank
 United Bank of India
 UCO Bank
 Bank of India
Before the steps of nationalization of Indian banks, only State Bank of India (SBI) was
nationalized. It took place in July 1955 under the SBI Act of 1955. The State Bank of India is
India’s largest commercial bank and is ranked one of the top five banks worldwide.

to Personal Loans
Fact Files of Banks in India:
Information about the first he oldest the largest, the biggest banks in India.
TABLE -- 1
The fist bank in India to be given an ISO Certification
Canara Bank
The fist bank in Northern India to get ISO 9002 Punjab and Sind Bank
certification for their selected branches
The first Indian bank to have been started solely with Punjab National Bank
Indian capital
The first among the private sector banks in Kerala to South Indian Bank
become a scheduled bank in 1946 under the RBI Act
India’s oldest, largest and most successful commercial State Bank of India
bank, offering the widest possible range of domestic,
international and NRI products and services, through
its vast network in India and overseas
India’s second largest private sector bank and is nor The Federal Bank
the largest scheduled commercial bank in India Limited
Bank which started as private shareholders bank, Imperial Bank of India

mostly Europeans shareholders
The first Indian bank to open a branch outside India in Bank of India, founded
London in 1946 and the first to open a branch in in 1906 in Mumbai
continental Europe at Paris in 1974
The oldest Public Sector Bank in India having Allahabad Bank

branches all over India and serving the customers for
the last 132 years
The first Indian commercial bank which was wholly Central Bank of India
owned and managed by Indians

to Personal Loans
Reserve Bank of India (RBI)
Reserve Bank of India (RBI) is the central bank of our country. It was established in April 1935
with a share capital of Rs.5 crores. Reserve Bank of India was nationalized in the year 1949. RBI
closely monitors developments in the whole financial sector.
The Bank was constituted for the need of following:
 To regulate the issue of bank notes.
 To maintain reserves with a view to securing monetary stability, and
 To operate the credit and currency system of the country to its advantage.
Functions of Reserve Bank of India:
The Reserve Bank of India Act of 1934 entrusted all the important functions of a central bank to
The Reserve Bank of India. The distribution of one rupee notes and coins and small coins all over
the country is undertaken by the Reserve Bank as agent of the Government. The Reserve Bank
has a separate Issue Department which is entrusted with the issue of currency notes. The Reserve

to Personal Loans
Bank of India acts as the banker’s bank. The Reserve Bank of India, therefore, has the following
powers:
 It hold the cash reserves of all the scheduled banks.
 It controls the credit operations of banks through quantitative and qualitative controls.
 It controls the banking system through the system of licensing, inspection and calling for
information.
 It acts as the lender of the last resort by providing rediscount facilities to scheduled banks.
Banking Industry
A bank is an institution that provides financial service, particularly taking deposits and extending
credit. Banks safeguard money and valuable and provide loans, credit and payment services, such
as checking accounts, money orders, and cashier’s checks. Banks also may offer investment and
insurance products. Banks continue to maintain and perform their primary role-accepting deposits
and lending funds from these deposits. There are several types of banks, which differ in the
number of services they provide and the clientele they serve.
Commercial banks, which dominate this industry, offer a full range of services for individuals,
business, and governments. These banks come in a wide range a of sizes, from, large global banks
to regional and community banks. Global banks are involved in international leading and foreign
currency trading, in addition to the more typical banking services. Regional banks have numerous
branches and automated teller machine (ATM) locations throughout a multi-state area that
provide banking services to individuals. Banks have become more oriented towards marketing
and sales. As a result, employees need to know about all types of products and services offered by
banks. Community banks are based locally and offer more personal attention, which may

to Personal Loans
individuals and small business prefer. In recent years, online banks- which provide all services
entirely over the Internet have entered the market.
Current Scenario:
Currently (2009), overall, banking in India is considered as fairly mature in term of supply,
product range and reach. Even in terms of quality of assets and capital adequacy, Indian banks are
considered to have clean, strong and transparent balance sheets as compared to other banks in
comparable economies in its region. The Indian economy is expected to be strong especially in its
services sector. Mergers and Acquisitions, takeovers, assets sales and much more action will
happen in India.
Currently, India has 88 scheduled commercial banks – 28 public sector banks, 29 private banks
and 31 foreign banks. They have a combined network of over 53,000 branches and 17,000 ATMs.
According to a report by ICRA Limited, a rating agency, the public sector banks hold over 75%
of total assets of the banking industry.
Presently the total assets size of the Indian banking sector is US$ 270 billion while the total
deposits amount to US$ 220 billion with a branch network exceeding 66,000 branches across the
country.
Banking services in India
The Indian banking has come from a long way from being sleepy business institutions to a highly
proactive and dynamic entity. This transformation has been largely brought about by a the large
dose of liberalization and economic reforms that allowed banks to explore new business
opportunities rather than generating revenues from conventional stream (i.e. borrowing and
leading).

to Personal Loans
The Indian banking industry is passing through a phase of customers market. The customers have
more choice in choosing their banks. A competition has been established within the banks
operating in India. With stiff competition and advancement of technology, the services provide by
banks have become more easy and convenient.
Other fundamental changes are occurring in the industry as banks diversify their services to
become more competitive. Many banks now offer their customers financial planning and asset
management services, as well as brokerage and insurance services, often through a subsidiary or
third party. Others are beginning to provide investment banking services that help companies and
governments raise money through the issuance of stocks and bonds, also usually through a
subsidiary. As banks respond to deregulation and as competition in this sector grows, the nature
of the banking industry will continue to undergo significant change.
Easy Banking
A part from Mobile Banking, including of SMS Banking, Net Banking and ATMs are the major
steps taken by the banks in India towards modernization.
Technology
Technology is having a major impact of the banking industry. ATMs allow people to access their
accounts 24 hours a day. Also, direct deposit allows companies and governments to electronically
transfer payments into various accounts. Further, debit cards, which may also use as ATM cards,
instantaneously debut money from an account when the card is swiped across a machine at a
store’s cash register. Electronic banking by phone or computer allow customers to pay bills and
transfer money from one account to another. Through these channels, bank customers can also
access information such as account balances and statement history.

to Personal Loans
Services
Other fundamental changes are occurring in the industry as banks diversify their services to
become more competitive. Many banks now offer their customers financial planning and asset
management services, as well as brokerage and insurance services, often through a subsidiary or
third party. Others are beginning to provide investment-banking services that help companies and
governments raise money through the issuance of stock and bounds, also usually through a
subsidiary.
Company Profile of DEUTSCHE Bank Ltd.,
Industrial Development Bank of India (DEUTSCHE BANK) is the tenth largest bank in the world
in terms of development. The National Stock Exchange (NSE), The National Securities
Depository Services Ltd. (NSDL), Stock Holding Corporation of India (SHCIL) are some of the
institutions which has been built by DEUTSCHE BANK. DEUTSCHE BANK is a strategic
investor in a plethora of institutions which have revolutionized the Indian Financial Markets.
DEUTSCHE Bank.
Vision Statement:
“To be trusted partner in progress by leveraging quality human capital and setting global
standards of excellence to build the most valued financial conglomerate”.
Main Functions of DEUTSCHE BANK
DEUTSCHE BANK is vested with the responsibility of co-ordinating the working of institutions
engaged in financing, promoting and developing industries. DEUTSCHE BANK also
undertakes / supports wide-ranging promotions activities including entrepreneurship development
programs of new entrepreneurs, provision of consultancy services for small and medium
enterprises, up gradation of technology and programmes for economic up-liftment of the
underprivileged.

to Personal Loans
DEUTSCHE BANK role as a catalyst to industrial development encompasses a wide spectrum of

activities. With over three decades of service to the Indian industry, DEUTSCHE BANK has
grown substantially in terms of size of operations and portfolio.
Development Activities of DEUTSCHE BANK
1. Promotional Activities:
The Bank continues to perform a wide range of promotional activities relating to developmental
programmes for new entrepreneurs, consultancy services for small and medium enterprises and
programmes designed for accredited voluntary agencies for the economic upliftment of the
underprivileged. These include entrepreneurship development, self-employment and wage
employment in the industrial sector for the weaker sections of society through voluntary agencies,
support to Science and Technology Entrepreneurs Parks, Energy Conservation, Common Quality
Testing Centers for small industries.
2. Entrepreneurship Development Institute:
DEUTSCHE BANK played a prime role in setting up of the Entrepreneurship Development

Institute of India for fostering entrepreneurship in the country. It has also established similar
institutes in Bihar, Orissa, Madhya Pradesh and Uttar Pradesh. DEUTSCHE BANK also extends
financial supports to various organizations in conducting studies or surveys of relevance to
industrial development.
3. Information Technology:
Technological developments would render flow of information and data faster leading to faster
appraisal and decision – making. To reduce investment costs in technology, banks are likely to
resort more and more to sharing facilities such as ATM networks. The DEUTSCHE Bank is
already at an advanced stage of implementing the Financial Core Banking Solution across all
braches. In addition, all branches would have access to a centralized Customers Relationship
Management (CRM) system. DEUTSCHE Bank has set up a Data Centre at Belapur and a
Disaster Recovery Centre at Chennai to support such technology driven business model.

to Personal Loans
4. Management and Organization:
DEUTSCHE BANK Ltd., is a Board – managed institution. The responsibility of the day-to-day
management of operations of Bank is vested with the Chairman, who draws upon the support and
expertise of a Top Management Team, comprising Executive Directors and a Legal Advisor.
DEUTSCHE BANK Ltd. has a pool of around 1400 competent and experienced professionals.
The Bank, with its Head Office at Mumbai, operates through a network of 4 Zonal Offices
(Chennai, Jaipur, Bangalore, Mumbai) and Branch Offices spread across the country.
Presently, the Board comprises twelve directors including the Chairman and Managing Director,
two whole time directors designed as Deputy Managing Directors, two officials of the Central
Government and remaining seven Directors in the category of Independent Directors. Out of the
seven independent Directors, two Directors have been nominated by Government of India in the
professional category and the remaining five Directors have been elected by the shareholders.
Branch Network:
DEUTSCHE BANK has its head office at Mumbai and zonal offices in different regions of the
country. As on March 31, 2006 it has a network of 552 delivery outlets comprising of 171
branches, 4 extension counters and 337 ATM’s to service its customers base across the country. It
has also set a plan for expansion of the network during 2006 – 07 and besides the general
category branches it has also set up two dedicated branches they are large Corporate Branch and
Specialized Treasury Branch and both are located at Mumbai.
Strategic Planning:
In keeping with its vision of emerging as the most valued financial conglomerate DEUTSCHE
BANK has consolidated all Corporate Strategy and Planning related functions under a unified
umbrella. The function is carried out by providing business intelligence inputs to the top
management and operational units by collating information on trends and development in the
business environment and also planning for business strategies by dovetailing these inputs. These
inputs also include scanning the regulatory environment, identifying the emerging opportunities
for the bank and putting in place mitigation measures for actual and potential threats. Industry

to Personal Loans
research is a key component of DEUTSCHE BANK’s credit appraisal process which provides
critical inputs to assess the risk return profile of the proposals. Industry research focuses on global
and domestic demand-supply scenario, cost structure, marketing strategies, comparative
technologies and their impact on product cost, inter – firm comparisons, etc.
Retail Finance:
The Indian retail finance market, led by housing, auto and personal loan segments has witnessed a
major change in the last few years. These changing have been driven by rising income levels,
change in the mindset of consumers in availing credit, availability of credit, at affordable rates
and expansion of presence of financiers. Considering this robust growth and immense
opportunities in this sector, DEUTSCHE BANK has given major thrust to these segments.
DEUTSCHE BANK offers a wide spectrum of products; both secured (Housing loans, mortgage
loans and loan against securities) and unsecured (personal loans, educational loans and overdrafts
to merchant establishments.) During this year, DEUTSCHE BANK successfully undertook the
‘homes 2005’ campaign, a proprietary housing loan exhibition across eight locations and response
received exceeded two lakh aspirants. DEUTSCHE BANK also started putting emphasis on
educational loans. The Bank has now specialized Retail Asset Centers across 20 locations, which
has enhanced the product acceptance, operational efficiency and credit expertise. DEUTSCHE
BANK also distributes third party products such as insurance and mutual fund products to its
retail customers.
Environmental Protection Schemes:
DEUTSCHE BANK is acting as financial agent for the World bank funded Ozone depleting
Substances (ODS) phase – out projects, and is responsible for appraising projects, administrating
and disbursing grant out of Ozone Trust fund and overseeing implementation of the projects
aimed at phasing out the use of ODS.
DEUTSCHE BANK has also been acting since 1995, as a financial intermediary for the United
States Agency for International Development funded Greenhouse Gas Pollution Prevention
Project (GEP). The GEP project aimed at reducing emission of greenhouse gases and increasing

to Personal Loans
productivity in selected sugar mills by encouraging use of bagasse/biomass as fuel. Nine sugar
mills implementing co-generation projects, using bagasse/biomass fuels and exporting surplus
power to the grid were selected for grant of assistance under the Alternative Bagasse Co-
generation Component of the GEP Project. The programme has been completed with the
disbursement of the entire sanctioned grant of USD 6.78 million.
Technology Up-gradation Fund Scheme (TUFS)
The Indian Textile industry despite occupying a unique position in the Indian economy, suffers
from technological obsolescence and lack of economics of scale. TUFS for textile and jute
industries, launched by the ministry of textiles, government of India on April 1,1999, initially for
a period of five years aims at focused and time bound programme for modernization through
technology up gradation in the industry. While the thrust of the scheme is on post spinning
segments (weaving, processing and garmenting), spinning segment has also been included under
the scheme. The main feature of TUFS is 5% reimbursement of interest payable on the out
standing rupee term loans interest portion deferred payment guarantee (rupee assistant)
convertible debentures subscribed by designed primary lending institutions / lease finance and
coverage of adverse exchange rate variations, both on primary and interest, subject to the
maximum of 5% cost forward premium limited to 5% p.a in respect of foreign currency loans.
Asset Quality:
As at end march 2006, 98.995 of DEUTSCHE Bank’s loan assets were standard. Provisions of
Rs.220.8 crore have been made for standard assets as performance appraisal the guidelines
stipulated by RBI. As at end March 2006, sub standard assets formed 0.64% while doubtful assets
constituted 0.37% of DEUTSCHE Bank’s loan assets, for which provisions were made in
conformity with extant prudential regulations.
Treasury Operations:
The year 2005-06 witnessed a rise in the domestic interest rates in consonance with the
international markets. The Reserve Bank of India raised the repo and reverse repo rates three
times during the year. The market also witnessed a pick up in credit growth and the liquidity in

to Personal Loans
the system was low for some time after the redemption of the India Millennium Deposits in
December 2005. Its treasury managed the liquidity situation effectively ensuring that liquidity
needs of the Bank were met by timing the borrowing and investments appropriately apart from
maintaining the required regulatory reserves. Its treasury fully used the opportunities existing
both in the domestic and international markets to fund the resource requirements of DEUTSCHE
BANK.
DEUTSCHE BANK efficiently managed the surplus funds with a basket of investments in dated
securities, discounted instruments and others consistent with the risk perception and risk appetite
of your Bank. The investments have been made with the objective of maximizing returns without
compromising on safety and liquidity.
DEUTSCHE BANK also services the foreign exchange requirements of the customers by
providing a range of products to meet the needs of clients in their import and export transactions
apart form undertaking proprietary trading on its own account. Proactive interaction with the
customers at major metros has helped it to increase the foreign exchange business volume.
Customized risk management solutions to the clients were provided by DEUTSCHE BANK to
enable the customers to manage the exchange risk and interest rate risks.
Foreign Currency Borrowings:
During the previous year under review the focus of DEUTSCHE BANK was on reducing the cost
of foreign currency (FC) borrowings by replacement of earlier borrowings at lower rates. Three
tranches of borrowings, aggregating USD 224.7 million, were sources at finer rates, resulting in
significant lowering of cost of FC borrowings of DEUTSCHE BANK. In addition it also prepaid
some of the high cost FC borrowings further reducing the overall cost of funds. During the year
under the limit of 250 Cr unpaired Tier I capital DEUTSCHE BANK contracted a 364 day
syndicate loan of JPY 11.778 billion (equivalent to USD 100 million) and also raised a sum of
USD 105 million from overseas branches of Indian banks by way of inter-bank deals.

to Personal Loans
Cross- Border Branches:
With a view to catering to the cross-broader financing needs of the Bank’s customers and
leverage the domestic banking strengths to offer products internationally, DEUTSCHE BANK
has decided to make a foray into the overseas markets. To begin with, it is proposed to open
offshore / representative offices in West Asia, Europe and South East Asia regions. Necessary
steps are being taken in this regard.
New Business Initiatives:
DEUTSCHE BANK has decided to enter into the life insurance business to complement the range
of financial products and services being offered to its clientele in consonance with its Vision
Statement to build the most valued financial conglomerate. DEUTSCHE Bank and Fortis
Insurance International N.V (Fortis), one of the largest players in the insurance business in
Europe, have signed a Memorandum of Understanding (MoU) with a view to setting up a joint
venture (JV) in the filed of life insurance business. Fortis will bring to the joint venture its unique
experience in developing and operating the banc assurance model, which will augment the
activities of DEUTSCHE BANK. DEUTSCHE BANK also proposes to approach the regulators,
thereafter for obtaining necessary statutory and regulatory approvals for setting up the insurance
venture.

to Personal Loans
FACTS AND FIGURES
Distribution of Shareholding:
The details of shareholding in DEUTSCHE Bank by major categories of shareholders as at end

march 2006, is presented in the table below.
Table -2
Shareholding pattern as at end March 2006
Category of No. of Shares Held % to total

Shareholders
Government of India 38,17,78,000 52.75
Employees 21,23,094 0.29
Public 9,80,35,059 13.54
Hindu Undivided 12,31,002 0.17
Families
Bodies corporate 2,43,68,200 3.37
Institutions 15,05,40,918 20,80
Societies 28,960 0.01
Trusts 3,60,611 0.05
Insurance Companies 5,59,59,196 7.73
NRI’s 45,00,068 0.62
NSDL (Transit) 48,69,495 0.67
Grand Total 72,37,94,603 100.00
Personal Loans:
A Personal loan is an unsecured loan. Normally, the lender does not ask for guarantors either.
More advantages: minimum documentation and speedy clearance (within three to seven days of
applying). And there is no monitoring of ‘end use’ – you can use the loan for any purpose you
like.

to Personal Loans
Personal Loans are often referred to as all purpose loans, they are ideal when you have to buy
Flexibility of duration and availability of various schemes make personal loans an attractive
option. Besides, you may use them for any purpose you choose to with no questions asked.
Personal loans are also known as consumer loans. With a personal loan you can use the money
for just about anything. Personal loans are a great way to acquire some quick cash without going
through a lot of hassles. The amount of personal loan that can be borrowed depends on which
type of loan you get. It also depends on your credit status and possibly if you have any collateral.
Personal Loan form DEUTSCHE BANK comes with an insurance cover. This means when times
are tough, you’ll have an insurance cover to take care of the EMI’s.
 In case of death or disability due to an accident, the principle outstanding will be paid by
the insurance company.
 In case of loss of job, the insurance company will pay the EMIs for up to 3 months.
There are two types of personal loans. They are:-
 Unsecured Personal Loans are loans that do not require any type of collateral to quality.
These loans may have higher loan rates associated with them, and usually the amount of the
loan is less than a secured loan. This types of loan is great when a person is in need of cash.
An unsecured personal loan can be used for any purpose you like, although it is worth
remembering that most lenders will have special loans for specific purposes, like car loans or
home improvement loans, so it might be advisable to see if the repayment terms and interest
rates on these tailor – made loans are more suitable.
 The other type of personal loan is a secured loan. With a secured loan the lender usually
require some type of collateral. This helps in protecting the lender in case a customer should
fault on the loan. The secured loan normally provides a lower interest rate than the unsecured
loan and the borrowed amount is usually larger than the unsecured loan. A secure loan can be
used for any legitimate purpose.

to Personal Loans
Different Products of DEUTSCHE Bank Ltd:
Retail Banking
1. Deposits
 Savings Account
 Current account
 Fixed deposits
 Pension account
2. Loans
 Loans against home
 Home loans
 Education
 Business
 Marriage
 Purchase or improvement property
 Medical treatment or any other personal need

to Personal Loans
 Personal Loan
3. Payments
Tax payments
Stamp duty payment
Easy fill
Bill payment
Card to card money transfer
Online payments
4. Investments
Demat Account
Investment services
5. Insurance
Family Insurance
Life Insurance
6. Preferred Banking
(Give a new meaning to exclusivity, convenience and privilege)

to Personal Loans
7. NRI Service
8. Institutional Banking
Institutional savings account
Corporate payroll account
CitizenDeutsche bankbank
9. Corporate Products
Deposits products
Loans & advances
Trade finance
Capital market
Capital market
Internet banking
Cash management services
10. Treasury products
Foreign market

to Personal Loans
Money market
11. 24 Hours Banking
Phone Banking
SMS Banking
Account Banking
Internet Banking
12. Cards
Gold Debit card
International debit cum ATM card
Gift card
World currency card
13. Other products
Lockers
India post
Corporate Banking:
1. Project Finance

to Personal Loans
2. Film Financing
3. Corporate Loan
4. Direct Discounting
5. TUFS (Technology up-gradation fund scheme)
6. Bills Rediscounting
7. Rehabilitation finance
8. Commercial products
9. Treasury products
IPO finance
Loans against security
COMPANY PROFILE OF KOTAK MAHINDRA BANK

to Personal Loans
Established in 1985, The Kotak Mahindra group has long been one of India’s most reputed
financial organizations. In February 2003, Kotak Mahindra Finance Ltd, the group’s flagship
company was given the license to carry on banking business by the Reserve Bank of India (RBI).
This approval creates banking history since Kotak Mahindra Finance Ltd. is the first company in
India to convert to a bank.
Established in 1985 as Kotak Capital Management Finance promoted by Uday Kotak the
company has come a long way since its entry into corporate finance. It has dabbled in leasing,
auto finance, hire purchase, investment banking, consumer finance, broking etc. The company got
its name Kotak Mahindra as industrialists Harish Mahindra and Anand Mahindra picked a stake
in the company. Kotak Mahindra is today one of India’s leading Financial Institutions
Mission: Its mission is to create maximum economic values for shareholders through a constant
relationship. They are operating in three principal customers segments. The Bank’s corporate
values play an integral role in the fulfillment of its mission.
Kotak Mahindra Bank in India:
In India Kotak Mahindra Bank has right decade long experience of the Indian business scenario.
Traditionally it was known as a strong “Diamond Financing Bank”. Now the bank is providing a
comprehensive range of services.
In India Kotak have branches in Bangalore, Baroda, Chennai, Delhi, Gurgaon, Hyderabad,
Kolkata, Luknow, Mangalore, Moradabad, Mumbai, Nioda, Panipat, Pune, Surat and Tirupur.
Each of these branches provides multi-product relationships. Kotak Mahindra Bank in India
enjoys a strong image as a corporate bank with comprehensive Global Transaction Services.
Kotak Mahindra Bank has launched its Private Banking Services in India offering a
comprehensive range of high quality Portfolio Advisory Services. It has also launches its
microfinance program in India. The Program is aimed at delivering credit to the poor women of
India, especially in the rural areas, through Microfinance Institution (MFIs). The services of
Kotak Mahindra Bank are organized globally in three business lines:

to Personal Loans
 Wholesale Clients
 Consumer and Commercial Clients
 Private Clients and Asset Management

to Personal Loans
In India:
KOTAK MAHINDRA has a long standing presence in India since 1920, in Kolkata and Mumbai.
At the time, the bank mainly worked for diamond clients.. The Delhi branch was functional in the
very same year. KOTAK MAHINDRA was launched in other cities throughout India between
1994 and 1999. They were Chennai in 1994, Pune in1997 and Baroda in 1999, while the
Hyderabad and Bangalore braches were opened in 2001. The branch of Noida was opened in the
year 2002.
Kotak Mahindra Bank has launched its Private Banking Services in the country offering a
comprehensive range of high quality Portfolio Advisory Services along with a comprehensive
transaction execution platform, complemented by personalized Banking and custodial services. It
has also launched its microfinance program. The program is aimed at delivering credit to the poor
women of India, especially in the rural areas, through microfinance Institutions (MFIs).
Network of Kotak Mahindra Bank in India:
Kotak Mahindra Bank has more than 3,500 branches in over 70 nations across the globe. In India,
Kotak Mahindra Bank has a strong presence of more than 23 branches across 16 cities offering a
comprehensive range of financial products and services.
The Achievements of Kotak Mahindra Bank:
 “Best at Cash Management Award in September 2001” – The Banker.
 Corporate Finance India: Ranked Second in M & A in the Investment Banking arena in
2001 – Economic Times.
 KOTAK MAHINDRASecurities India: Best Foreign Bond House, No.1 Arranger in

Private Sector : Euromoney 2000

to Personal Loans
 Top Bank on “Management Quality” parameter: Business India ‘Best Banks Survey
2000’.
 7th Most Admired Commercial Bank in the World: Fortune Magazine, 2000.
 Top Foreign Bank in India: Economic Times – CMIE survey 1999.
 Second overall in Banking Industry: Financial Express – BRIS survey 1999.
Different Products of Kotak Mahindra Bank:
 Consumer Banking
1. Credit Card
Freedom Credit Card
Smart Card
2. Loan Products
Home Loans
Car Loans
Loan Against Securities
Personal Loans
3. Deposit Products

to Personal Loans
Savings Account
Value + Current Accounts
Easy Draw Fixed Deposits
4. Van Gogh Preferred Banking
5. NRI Services
6. Investments
Mutual Funds
7. Services
Mobile Banking
Debit Cards
Net Banking
Express Cash
ATM Services
Bank by Phone
Bill Payment
Doorstep Banking
Depository Banking
to Personal Loans
National Access
365 days Banking
Extended Banking Hours
2. Private Banking
Portfolio Advisory Services
Value Added Services
3. Corporate and Institutional Banking
Structured Products
Trade Services
Cash Management
Correspondent Banking
4. Business & Commercial Banking
Lending Products
Cash Management
Trade Finance
Treasury Management

to Personal Loans
PRODUCT PERSONAL LOANS
 Target Customers of DEUTSCHE Bank Ltd.,
DEUTSCHE Bank Ltd targets the following customers:-
 Salaried Customers of approved companies
 Regular Employees Group
 IT group
 BPO
 Government & Social Employees
 Doctors
 Self-Employed Professional (B.E., C.A)
 Self-Employed Businessmen
 Business Entities
Documents Required:
1. Photograph (Signed across) & Application Form
2. Age and ID Proof (any one)
a. Passport
to Personal Loans
b. Driving License
c. LIC Policy
d. Birth Certificate
e. School Leaving Certificate
f. PAN Card
g. ID Card issued by PSU or Cat A company
3. Residence Proof (any one)
a. Raton Card
b. Driving License
c. Letter from employer Passport
d. Telephone Bill
e. Electricity Bill
f. Rent/Sale Agreement
g. For Employees of Cat A & Cat B
h. Address on Bank Statements
i. Credit Card Statements

to Personal Loans
4. Employment Stability (anyone)
a. Form – 16
b. Appointment Letter
c. Increment / Promotion Letter
d. Letter from employer for Cat A employees
5. Income Proof
a. Salary slips or certificate with Designation of the last 2 months.
6. Telephone Bill
a. Latest paid Telephone Bill required
 Self – Employed – Business Entity
Documents Required:
1. Photograph (Signed across) & Application Form
2. Age and ID Proof (Any one)
a. Passport
b. Driving License
c. LIC Policy

to Personal Loans
d. Birth Certificate
e. School Leaving Certificate
f. PAN Card
g. BSV along with photograph
3. Residence Proof (any one)
a. Raton Card
b. Driving License
c. Passport
d. Telephone Bill
e. Electricity Bill
f. Rent/Sale Agreement
g. Address on Bank Statements
h. Credit Card Statements
4. Business Proof (any one)
a. Telephone Bill
b. Electricity Bill

to Personal Loans
c. Water Bill
d. Society Charges Receipt
e. Rent Receipt
f. Ownership Proof
g. Shop & Establishment Certificate
5. Income Proof for the last 2 years
a. Latest 2 years Income Tax Return (ITR) with Computation of Income, P & L A/c and
Balance Sheet
6. Loan Repayment
a. 8 EMI (Equated Monthly Installments) Clear Repayments required of Personal / Auto/

Home / Two Wheeler / Consumer Durable.
7. Banking Requirement
a. Bank Statement for last 6 months
b. Average bank balance be equal to 1 EMI
c. 25% of the Annual Turnover to be reflected in 6 months banking
d. Cheque returns not exceed 0.5% of total transactions with a maximum of 10
8. Miscellaneous Documents

to Personal Loans
a. Memorandum of Association (MOA)
b. Partnership Deed
c. Board Resolution & Partnership Solution
List of Negative Employee Category:-
1. Employee receiving salary by mode other than direct credit or cheques.
2. Employees receiving salary by periodicity other than one month.
3. Applicants employed as consultants and Contractual Employees (except Employees of

Multi National Companies)
4. Security Personnel
5. Applicants employed with collection agencies
6. Agents or insurance companies (except Development Officers)
7. Directors or promoters of the company receiving salary as part of remuneration.
8. Foreign nationals
9. Police
10. Journalist and field staff of press
11. Class 4 employees of any organization.
12. Nurses / Ward boys

to Personal Loans
PROJECT
RESEARCH METHODOLOGY
The objective of the present study can be accomplished by conducting a systematic Market
Research. Market Research is the systematic design, collection, analysis and reporting of data and
findings that are relevant to the company. The marketing research process that will be adopted in
the present study consists of the following stages:
 Defining the Problem and The Research Objective:
The research objective states what information is needed to solve the problem.
 Developing the Research Plan
Once the problem is identified, the next step is to prepare a plan for getting the information
needed for the research.
 Sampling Plan:
The sampling plan adopted is Cluster sampling
 Sampling units: The customers will be segmented into different groups such as salaried
and self-employed. They will be segregated on the basis of their take home salary and total turn
over.
 Sampling size: The respondents or the population of the survey will be the customers of
the DEUTSCHE Bank and Kotak Mahindra Bank. The sample size for this survey is 100
customers of both the banks (50 each). The sampling unit refers to whom to be surveyed.

to Personal Loans
 Collection and Sources of Data:
Market research requires two kinds of data i.e. primary data and secondary data.
o Primary Data: Primary data is fresh data, which enables to collect necessary information
regarding the survey. It is the raw data which is collected by making survey, interviews etc. The
data was obtained through survey of different sector viz. Salaried, Self-employed, Professionals.
The data collection instrument used for the survey was questionnaires, telephonic interviews
discussions with the company officials.
o Secondary Data: Secondary data is with reference to the available in the organization in
the form of files and past records, (the customer database available in the organization). The data
was obtained through company documents, trade journals, business magazines etc.
 Analyze The Collected Information:
This involves converting raw data into useful information. It involved tabulation of data using
statistical measures on them for developing frequency distributions and calculating the average
and dispersions.
 Report Research Findings:
This phase will mark the culmination of the marketing research effort. The report with the
research findings is a formal written document.
SCHEDULE
The Thesis commenced from 18th May 2009 and formally closes on 12th August 2009. The
duration of the present study is for 3 months. The company guide, Mr. Rakesh Gajaria and the
Faculty Guide will be constantly guiding and monitoring the progress of the project work all
through these 3 months

to Personal Loans
SURVEY ANALYSIS AND INTERPRETATIONS
Note 1: As it’s a comparative study between DEUTSCHE Bank Ltd., and Kotak Mahindra Bank
the sample size for both the banks is 50 each (i.e. total 100). The interpretation of both the banks
is based on the sample size of 50 respondents each.
Note 2: As some of the respondents were not ready to disclose the information there is slight
variation in the sample size.
1. Who among Male and Female opt for Personal Loans?
TABLE -1
Sl No. Gender Male Female Total
1. DEUTSCHE Bank Ltd. 47 3 50
2. Kotak Mahindra Bank 47 3 50

to Personal Loans
INTERPRETATION OF THE ABOVE CHART:
From the survey conducted, the intern comes to know that 47 respondents (94%) of both the
banks out of 100 are males and the remaining 3 respondents (6%) (of both the banks) are females.
By this we come to know that the majority of the loan takers are Male.
2. What is the Marital Status?
TABLE -2
Sl No. Gender Single Married Total
1. DEUTSCHE Bank Ltd. 18 32 50
2. Kotak Mahindra Bank 14 36 50
Source: Telephonic Survey
CHART – 2

to Personal Loans
From the survey conducted, the intern comes to know that 32 respondents (64%) of DEUTSCHE
Bank Ltd., are married and the remaining 18 respondents (36%) are single. Whereas 36
respondents (72%) of Kotak Mahindra Bank are married and the remaining 14 respondents (28%)
are single.
3. What is the age group you lie in?
TABLE -3
Sl No.
Age Deutsche Bank. Kotak Bank
(in
Years
1. 23 – 30 38 17
2. 31 – 40 8 17
3, 41-50 2 10

to Personal Loans
4. 51 – 60 0 0
Total 48 34
Note: As some of the respondents were not ready to disclose the information there
is slight variation in t he sample size.
CHART – 3

to Personal Loans
From the survey conducted, the in term came to know that 76% of the respondents i.e 38
respondents of DEUTSCHE Bank Ltd., in the age group of 23-30 hears avail personal loan, and
only 16% i.e., 8, respondents are from the age group of 31 – 40 years.
Whereas survey done for Kotak Mahindra Bank shows that 34% of respondents i.e., 17
respondents each from the age group 23 – 30 years and 31 – 40 years go for personal loans. From
the above chart we can make out the DEUTSCHE Bank Ltd., mostly provides loan for the
younger generation of the age group between 23 years to 30 years and Kotak Mahindra Bank
provides loan to almost all the age groups equally.

to Personal Loans
4. How do you rate your knowledge about banking sector?
Sl No. Ratings Deutsche Kotak

Bank. Bank
1. Very Good 4 10
2. Good 21 11
3, Average 16 19
4. Bad 8 6
5. Very Bad 1 4
Total 50 50
CHART – 4

to Personal Loans
From the survey conducted we can see that almost all the respondent have Good and Average
Knowledge of the banking sector. We can see that 42% respondents (21) of DEUTSCHE Bank
Ltd., and 38% respondents (19) of Kotak Mahindra Bank rates their knowledge about banking
sector as good and average.
With the help of the above chart we can make out the customers now a days proper knowledge
about the product they are going to deal with.
5. What was the source through which you came to know about the bank?
Sl No.
Sourc Deutsche Bank. Kotak

e of Bank
Infor
matio
n
1. Friends / Colleagues 19 16
2. TV Advertisements 3 3
3, Newspapers 9 6
4. Internet 5 1
5. Magazines 0 0
6. Tele/Field Executives 27 30
7. Corporate A/c 3 1
Total 66 57

to Personal Loans
Note: Here the respondents were allowed to choose more than one options i.e. this question has
multiple choice options, so the total response received many differ.
CHART – 5
From the survey conducted the intern came to know that the most effective source of information
for the respondents DEUTSCHE Bank Ltd., and Kotak Mahindra Bank is the Tele – calling
department and the through the Field Executives (i.e through Cold Call). The respondents also got
the information regarding the banks through the references of their friends and colleagues. We
can see that the source of information for almost 54% & 60% of the respondents of both the
banks was the Tele-calling and Cold Calls made by the executives.

to Personal Loans
6. What aspects do you consider important when you apply for personal Loans?
TABLE -6
Sl No. Important Aspects DEUTSCHE Kotak

Bank Ltd. Mahindra Bank
1. Interest Rates 29 39
2. Bank Service 23 26
3, EMI to be paid 8 20
4. Easy Documentation 14 10
5. Processing Fees and Other 9 7

Hidden Charges
6. Loan Amount 3 0
7. Tenure Period 4 1
8. Tenure Period 4 1
9. Pre-closure charges 3 3
10. Reputation Bank 3 1
11. Agreement Document 1 0
Total 111 114
Note: Here the respondents were allowed to choose more than one options i.e. this
question has multiple choice options, so the total response received many differ.
CHART –6

to Personal Loans
From the survey we can see that the respondents are more concerned about the
interest rates and the services provided by the bank. We can see that almost about
58% of the respondents from DEUTSCHE Bank Ltd., i.e., 29 respondents and 78% of
Kotak Mahindra Bank i.e, 39 respondents out of 50 consider interest rates as the
most important factor; similarly 46% and 52% respondents of both the banks
consider the service provided by the bank as the most important factor. People are
even concerned about the easy documentations and the EMI to be paid to the bank.

to Personal Loans
7. On what basis have you taken loan from the banks.
TABLE -7
Sl No. DEUTSCHE Kotak

1. Salary 48 27
2. Credit Cards 0 7
3, Track Record 1 13
4. Balance Transfer 0 0
Total 49 47
is slight variation in the sample size.
CHART –7
On what basis the loan was taken
50 48
40
30 27 Salary
No. of
Respondents 20 Credit Cards
13 Track Record
10 7
Balance Transfer
0 1 0 0
0
Deutsche Bank. Kotak Mahindra
Bank

to Personal Loans
From the survey conducted the intern comes to know that 96% of the respondents (48
respondents) of DEUTSCHE Bank Ltd. And 54% of respondents of Kotak Mahindra Bank had
availed personal loans on the basis of their salary and out of the remaining 2% and 26% of the
respondents of both the banks have taken loan on the basis of the previous years track record
whereas 14% of the respondents of Kotak Mahindra Bank had availed loan on the basis of their
credit cards.
8. What is the nature of work / job you perform?
TABLE -8
Sl No. Occupation DEUTSCHE Kotak

1. Self employed 1 17
2. Government Employee 0 1
3, IT/BPO/Regular 49 24
4. Professional (Dr. / C.A) 0 1
Total 50 43
is slight variation in the sample size

to Personal Loans
CHART –8
Company / Occupation
50 49
40
No. of 30 Self employed

24
Respondents 20 17 Government Employee
IT/BPO/Regular
10
1 0 0 1 1 Professional (Dr. / C.A)
0
Bank
Interpretation of the above chart:
From the survey conducted the intern came to know that 98% (49 respondents) and 48% (24
respondents) of the respondents of both the banks are salaried people and they mostly work for IT
and BPO companies. 34% of the respondents of Kotak Mahindra Bank (17 respondents) and 2%
(1 respondents) of DEUTSCHE Bank Ltd., are self employed. Also about 2% of the respondents
of Kotak Mahindra Bank are government employee and also professionals like Doctors,
Engineers and C.A
9. (a) What is the Net Take Home Salary (Cost to the Company)
TABLE -9(a)

to Personal Loans
Sl No. Cost of the Company DEUTSCHE Kotak

1. Rs.8000 – 18000 4 6
2. Rs. 18001 – 28000 11 13
3, Rs. 28001 – 38000 15 3
4. Rs.38001 – 48000 4 3
5. Rs.48001 & above 9 3
Total 43 28
CHART –9 (a)

to Personal Loans
Cost of the Company
16 15
14 13
12 11 Rs.8000 – 18000
10 9
No. of Rs. 18001 – 28000
8
Respondents 6
6 Rs. 28001 – 38000
4 4
4 3 3 3 Rs.38001 – 48000
2
Rs.48001 & above
0
Deutsche Bank. Kotak Bank
Bank
From the survey conducted the intern comes to know that that the net take home salary of 30%
(15) respondents of DEUTSCHE Bank Ltd., lies between the salary group of Rs.28001 – 38000
whereas 22% and 18% of the respondents lies between the salary group of Rs.18001 – 28000 and
Rs.48001 & above.
Whereas for the Kotak Mahindra Bank 26% (13) and 12% (6) of the respondents belongs to the
salary group of Rs.18001 – 28000 and Rs.8000- 18000.
9 (b) What is the total work experience till date?
TABLE -9(b)

to Personal Loans
Sl No. Total Work Experience DEUTSCHE Kotak

1. 2 -4 yrs 18 6
2. 5 – 7 yrs 16 9
3, 8 – 10 yrs 4 7
4. 11 – 13 yrs 3 4
5. 13 yrs & above 4 1
Total 45 27
CHART –9 (b)
Total Work Experience
18
18
16
16
14 2 -4 yrs
12
No. of 10 9 5 – 7 yrs
Respondents 8 7 8 – 10 yrs
6
6 11 – 13 yrs
4 4 4
4 3
2 1 13 yrs & above
0
Deutsche Bank. Kotak Mahindra Bank
From the survey done the intern comes to know that 36% and 12% of the respondents
(DEUTSCHE Bank Ltd., and Kotak Mahindra Bank) of both the banks are having the total work
experience of 2- 4 years and 32% and 18% of the respondents have the experience of 5- 7 years.

to Personal Loans
10 (a). If Self – employed then what is the total Turnover of your business?
TABLE -10(a)
Sl No. Total Turnover DEUTSCHE Kotak

1. Rs. 50,000 – 15,00,000 0 4
2. Rs. 15,00,001 – 30,00,000 0 3
3, Rs. 30,00,001 – 45,00,000 1 1
4. Rs. 45,00,001 – 60, 00,000 0 1
5. Rs.60,00,001 & above 0 3
Total 1 12
CHART –10 (a)

to Personal Loans
Total Turnover
4 4
3.5
3 3 Rs. 50,000 –
3
15,00,000
No. of 2.5
2 Rs. 15,00,001 –
Respondents 30,00,000
1.5
1 1 1 1 Rs. 30,00,001 –
0.5 45,00,000
0 0 0 0 0 Rs. 45,00,001 – 60,
Deutsche Bank Kotak Mahindra 00,000
. Bank Rs.60,00,001 & above
From the survey done the intern comes to know that only one of the respondents of DEUTSCHE
Bank Lt., is an self employed and is having total turnover between Rs.30,00,001 – 45,00,000.
Whereas Kotak Mahindra Bank is having more self-employed customers having total turn over of
Rs.50,000 – 15,00,000
10. (b). What is your total IT Returns that you file.

to Personal Loans
TABLE -10(b)
Sl No. IT Returns DEUTSCHE Kotak

1. Rs. 0 – 2,00,000 1 7
2. Rs.2,00,001 – 4,00,000 0 3
3, Rs.4,00,001 – 8,00,000 0 1
4. Rs.8,00,001 & above 0 1
Total 1 12
CHART –10 (b)
IT Returns
7
7
6
5
No. of 4 Rs. 0 – 2,00,000
Respondents 3 3 Rs.2,00,001 – 4,00,000
2 Rs.4,00,001 – 8,00,000
1 1 1
1 Rs.8,00,001 & above
0 0 0
0
Bank
From the survey done the intern comes to know that only one of the respondents of DEUTSCHE
Bank Ltd., is a self-employed and is having IT Returns between Rs.0 – 2,00,000.

to Personal Loans
Whereas 14% of the respondents of Kotak Mahindra Bank are having more IT Returns customers
between Rs.0 - 2,00,000.
11. What was the loan amount you have availed?
TABLE -11
Sl No. Loan Amount DEUTSCHE Kotak

1. Rs50,000 4 0
2. Rs.50,001 – 2,00,000 29 33
3, Rs.2,00,001 – 5,00,000 4 9
4. More than Rs.5,00,001 4 1
Total 41 43
CHART –11

to Personal Loans
Loan Amount Availed
35 33
30 29
25
No. of 20 Rs50,000
Respondents 15 Rs.50,001 – 2,00,000
10 9 Rs.2,00,001 – 5,00,000
5 4 4 4
1 More than Rs.5,00,001
0
0
Deutsche Bank . Kotak Mahindra
Bank
From the survey conducted the intern comes to know that 58% (29 respondents) and 66% (33
respondents) of the respondents of both the DEUTSCHE Bank Ltd., and Kotak Mahindra Bank is
between Rs.50,000 – Ra. 2,00,000.
12. What was the tenure period?

to Personal Loans
TABLE -12
Sl No. No. of Years (Tenure) DEUTSCHE Kotak

1. 1 Year 5 4
2. 2 Years 4 4
3, 3 Years 21 27
4. 4 Years 10 6
5. 5 Years 2 0
Total 42 41
CHART –12
Tenure Period
30 27
25
21 1 Year
20
No. of 2 Years
15 3 Years
Respondents
10
10 4 Years
5 4 6
5 4 4 5 Years
2
0
0

to Personal Loans
From the survey conducted the intern comes to know that 42% of the respondents i.e 21
respondents of DEUTSCHE Bank Ltd., and 54% of the respondents i.e 27 respondents of Kotak
Mahindra Bank has availed the personal loan for the tenure period of 3 years.
13. What was the Interest Rate Charges?
TABLE -13
Sl No. Interest Rate Charged DEUTSCHE Kotak

1. Less then 11% 5 0
2. 12 – 14 % 22 26
3, 15 – 17 % 16 7
4. 18 – 20% 2 9
5. More than 20% 0 1
Total 45 43
CHART –13

to Personal Loans
Interest Rate Charged
30
26
25 22
20 Less then 11%
No. of 16
15 12 – 14 %
Respondents
10 9 15 – 17 %
7
5 18 – 20%
5 2
0 0 1 More than 20%
0
From the survey conducted the intern comes to know that the interest rate charges for 44%
respondents i.e 22 respondents of DEUTSCHE Bank Ltd and 52% respondents i.e 26
respondents of Kotak Mahindra Bank was between 12% - 14% and the rest 32% & 14% of the
respondents of both the banks were charges 15% - 17% of interest rates.

to Personal Loans
14. What was the Processing Fee charges?
TABLE -14
Sl No. Processing Fee Charged DEUTSCHE Kotak

1. 10% 1 10
2. 1% 18 19
3, 1. 5 % 5 0
4. 2% 9 10
5. 2.25% 4 3
Total 37 42
CHART –14
Processing Fee Charged
20 19
18
15 10%
No. of 10 10 1%
10 9
Respondents 1. 5 %
5 2%
5 4
3
2.25%
1
0
0
Deutsche Bank . Kotak Mahindra Bank

to Personal Loans
From the survey conducted in the intern comes to know that for 36% and 38% of the respondent
of both DEUTSCHE Bank Ltd. And Kotak Mahindra Bank the processing fee charged was 1%.
Whereas 18% and 20% respondents of both the banks were charges 2% processing fee of the loan
amount given.
15. What was the processing time (Turn Around Time) taken?
TABLE -15
Sl No. Processing Time Taken DEUTSCHE Kotak

1. Less than equal to a week 20 27
2. More than a week 7 9
3, More than 2 weeks 10 7
4. A Month 7 0
Total 44 43
CHART –15

to Personal Loans
Processing Time Taken
30 27
25 Less than equal to a
20 week
20
No. of More than a week
15
Respondents 10
10 9
7 7 7 More than 2 weeks
5
0
0 A Month
Bank
From the survey conducted the intern comes to know that the processing time taken was less than
and equal to a week, a disburse the loan amount of 40% and 54% respondents i.e. 20 respondents
of DEUTSCHE Bank Ltd. And 27 respondents of Kotak Mahindra Bank. Whereas the processing
time taken for 14% and 18% respondents was more than a week and less than and equal to 2
weeks.
16. What was the purpose of availing a personal loan?

to Personal Loans
TABLE -16
Sl No. Purpose of Availing a DEUTSCHE Kotak

Personal Loan Bank Ltd. Mahindra Bank
1. Marriage 6 3
2. Home Improvement 6 13
3, Credit Card Payment 6 6
4. Investment / Purchase 7 4
5. Business Improvement 1 16
6. Education / Equipment 3 1
Purchase
7. Others 10 7
Total 39 50
CHART –16

to Personal Loans
Purpose of Availing a Personal Loans Marriage
Home Improvement
16 16
14 13 Credit Card Payment
12
10 10
No. of Investment / Purchase
8 7 7
Respondents 666 6
6
4 4 Business Improvement
3 3
2 1 1
0 Education / Equipment
Purchase
Bank
Others
From the survey conducted the intern comes to know that the purpose of availing personal loans
for most of the respondents of Kotak Mahindra Bank i.e 32% (16) was the improvement of their
business whereas 26% of the respondents of the same bank had availed personal loans for home
improvement.
Whereas 20% of the respondents of DEUTSCHE Bank Ltd., avail personal loan for the different
purpose other than mentioned in the list. We can also see that each of the 12% respondents of
DEUTSCHE Bank Ltd., have taken personal loan for the purposes such as marriage, home
improvement and their credit payments.

to Personal Loans
17. How would you rate the services provided by the bank?
TABLE -17
Sl No. Ratings on the Scale of 10 DEUTSCHE Kotak

1. -1 5 0
2. 0 1 0
3, 1 1 1
4. 2 4 3
5. 3 5 1
6. 4 6 0
7. 5 10 10
8. 6 8 10
9. 7 6 11
10. 8 2 3
11. 9 1 7
12. 10 1 3
Total 50 49
CHART –17

to Personal Loans
Ratings on the Scale of 10
12
10
Ratings on
Ratings
8
the Scale of
6 10
Deutsche Bank
4 .
2 Kotak Mahindra
Bank
0
1 2 3 4 5 6 7 8 9 10 11 12
-2
From the survey conducted the intern comes to know that the 20% respondents of
both DEUTSCHE Bank Ltd., and Kotak Mahindra Bank rate the service of their
respective banks as 5 (the scale is of 1.10 been the highest ratings). From the above
table we can see that 10% of the respondents of DEUTSCHE Bank Ltd., have
negative ratings for their bank.

to Personal Loans
18. Which bank would you choose between DEUTSCHE Bank Ltd., and Kotak Mahindra Bank?
TABLE -18
Sl Bank DEUTSCHE Kotak Total

No. Bank Ltd. Mahindra Bank
1. DEUTSCHE Bank Ltd 23 7 30
2. Kotak Mahindra 6 23 29
Bank
3, Any Other Bank 17 20 37
Total 46 50 96
CHART –18
Choice of the Bank
25 23 23
20
20 17
No. of 15 Deutsche Bank
Respondnets 10 Kotak Mahindra Bank
6 7
5 Any Other Bank
0
Bank

to Personal Loans
From the survey conducted the intern comes to know that 46% of the respondents i.e. 23
respondents of each bank wants to make a choice of their respective banks. We can also make out
the 34% of the respondents of DEUTSCHE Bank Ltd., and 40% of the respondents of Kotak
Mahindra Bank want to go for any other bank except their respective banks.
19. Would you like to give any suggestions to the banks?
TABLE -19
Sl No. Suggestions / Views DEUTSCHE Kotak

1. Reduce Interest Rates 10 11
2. Improve Customer Service 16 8
3, Fast Approval 9 0
4. Disclose the Information 12 1

Properly
5. High Loan Amount 2 3
6. Regular Statement 9 0
7. Pre-closure facility & its 4 3

Charges
8. Educate well about the 1 0

Product
9. Be Professional 1 0
10. Easy Documentation 1 1
11. Reduce Communication Gap 9 3
12. Online Facility 4 0
13. Number Suggestions to give 0 20
Total 78 50

to Personal Loans
Note: Here the respondents were allowed to choose more than one options i.e. this
questions has multiple choice options, so the total response received may differ.
CHART - 19
Reduce Interest
Rates
Suggestions / Views Improve Customer
Service
Fast Approval
Disclose the
20 20 Information Properly
18 High Loan Amount
16 16
14 Regular Statement
12 12
No. of 11 Pre-closure facility &
10 10
Respondents 9 9 9 its Charges
8 8 Educate well about
6 the Product
4 4 4 Be Professional
33 3
2 2
111 1 1 Easy Documentation
0 0 0 0 00 0
Reduce
Communication Gap
Online Facility
Number Suggestions
to give
From the survey conducted the intern came to know that the 32% and 24% of the respondents of
DEUTSCHE Bank Ltd wants the bank to improve on its customer care service and they also want
that the bank should disclose all the information regarding the interest rates, processing charges
etc., at the beginning itself.

to Personal Loans
Whereas 22% of the respondents of Kotak Mahindra Bank want to suggest the bank to reduce
down their interest rates. Another 40% of the respondents of Kotak Mahindra Bank are happy
with the services provided by the bank and does not have anything the suggest.

to Personal Loans
FINDINGS
o From the survey conducted we can see that the majority of the respondents or the customers of
both the banks are Males. From this we can conclude that 94% of the population that avail loans belongs
to the male category.
o From the survey conducted we can see that 78% of the married couples avail personal loans. This
is mostly due to the personal expense like home improvement or reasons like marriage etc.
o From the survey conducted we can see that DEUTSCHE Bank Ltd., provides personal loans
mostly to the age group of 23-30 years. From the survey conducted we can make out that 76% of the
sample size taken for the DEUTSCHE Bank Ltd., belongs to the age group of 23 – 30 years, whereas
compared to Kotak Mahindra Bank it targets the customers of almost all the age group. We can observe
that 34% each of the sample size taken belongs to the age group of both 23- 30 years and 31 – 40 years
and 20% belongs to the age group of 41 – 50 years. So we can conclude that Kotak Mahindra Bank
targets all age group customers.
o From the survey conducted we can observe that 42% and 22% of the respondents of both the
banks rate their knowledge about banking sector as good whereas 32% and 38% of the respondents of
both the banks rate their knowledge about the banking sector as average. On the basis of the survey done
we can say that the Indian the customers have average or fair knowledge about the banking sector. We
can say that now-a-days the customers gather sufficient information about the product they are interested
in.
o From the survey conducted we can observe that almost 38% and 32% respondents of both the
banks came to know about their respective banks through the references provided by their relatives,
friends or colleagues. Similarly majority of the respondents i.e 54% and 60% of the respondents also cam
to know about their respective banks through the Tele-calling and Field Executives.
 As the question asked to the respondents had multiple choice options the intern can say that almost
92% of the whole respondents got to know about their respective banks through the word of mouth and
also through the tele-callers and field executives. Through the analysis done the intern can conclude that

to Personal Loans
the calls made by the tele-calling executives and the cold calls made by the field executives is very
effective in promoting / increasing the banks business.
 With the help of the survey and the analysis done the intern came to know that there is very
less promotional activities carried on with the help of the media or any other channel. We can
observe that the promotional activities carried on through the different channels are 12% through TV
advertisements, 30% with the help of newspapers.
 From the survey conducted we can see that in all 68% respondents of both the banks consider
Interest Rates as the most important aspect and 49% of the respondents consider the service
provided by the bank as the most important factor. Rest 24% of the respondents says that
the ease in the documentation process is the important aspect for them. Similarly, 28% of
the respondents consider EMI as the important aspect whereas 21% of the respondents say
that the processing time i.e. that fast approval of the loan is very important.
 From the survey conducted the intern observes that 96% of the respondents of DEUTSCHE
Bank Ltd., have availed the personal loan on the basis of the salary they withdraw. Whereas
the 54% and 26% of the respondents of Kotak Mahindra Bank has availed loan on the basis
of their pay-slip as well as the previous track record of any other loan. The intern also came
to know that Kotak Mahindra Bank provides with the facility of availing loan on the basis of
their Credit Cards. With the help of the Table – 7 we can see that 14% of the respondents
have availed loans on the basis of their credit cards. Through respondents have availed loans
on the basis of their credit cards. Through this we can conclude that Kotak Mahindra Bank
provides the loan to its customers on different basis, which may help them to attract more
number of customers on different basis, which may help them to attract more number of
customers.
 From the survey conducted the intern observes that the DEUTSCHE Bank Ltd., concentrates
more on the salaried people i.e. mostly on the IT/ BPO companies whereas the Kotak
Mahindra Bank concentrates on both self employed customers the Kotak Mahindra Bank

to Personal Loans
concentrates on both self employed customers as well as the salaried customers of IT/ BPO
companies.
 From the survey conducted the intern can make out the most of the customers i.e. 48% of the
respondents of both the banks lies in the salary group of Rs.18,001 – 28,000 whereas the
next majority that is 36% of the customers belongs to the salary group of Rs.28,001 –
38,000. Hence the intern may conclude that both the banks target almost all the salary group
customers. We can conclude that even the customers withdrawing a salary of Rs.90,000 per
month also avail personal loans.
 From the survey conducted the intern observes that mostly 50% of the salaries customers of
both the banks have the total work experience of 5 – 7 years and 48% of the customers have
the total work experience of 2 -4 years. So with the help of the analysis done we can make a
conclusion that the salaried people with the work experience of 2 -7 years go for personal
loans may be because this is the age of the people get settled in their lives.
 From the survey conducted the intern has found out the 62%of the respondents of both the
banks had applied for the loan amount of Rs.50,001 – 2,00,000. So we can conclude that the
higher is the tenure period it’s easy to repay the loan amount as the EMI to be paid will be
reduced.
 From the survey conducted the intern observes that 48% of the respondents were charges with
the interest rate of 12% - 14% and 23% of the respondents were charges with the interest
rates of 15% to 17%. With the help of the Table and Chart no – 13 we can see that the
interest rate charged by the DEUTSCHE Bank Ltd., is higher than that of Kotak Mahindra
Bank. We can see that 32% of the respondents of DEUTSCHE Bank Ltd., have been
charges with the interest rate between 15% - 17% whereas only 14% of the respondents of
Kotak Mahindra Bank have been charged with the same interest rate.

to Personal Loans
(Note: As the survey has been done on the existing customers the interest rates charges if
of the old slab)
 From the survey conducted we can see that almost 36% and 38% of the respondents of both
the banks have been charged with 1% of processing fess.
 From the survey conducted the intern has observed that the processing time (turn around time)
taken for the 40% and 54% of the respondents of DEUTSCHE Bank Ltd., and Kotak
Mahindra Bank was less than and equal to one week. With the help of the table no. 14 – we
see that the processing time for 20% of the respondents of DEUTSCHE Bank Ltd., was
more than 2 weeks.
 From the survey conducted the intern observes that 38% of the respondents (including both
the banks) have used the money for the purpose of home improvement while both the 34%
of the respondents have used the loan amount for the business improvement and for any
other purpose (didn’t disclose the purpose of availing loan).
 When the respondents of both the banks were asked to rate the bank on the basis of the
interest rate charged and the services provide by the bank, the intern came to know that 20%
of the respondents (including the respondents of both the banks) rate the bank as 7. In other
words, they consider both the banks as above average. The important aspect to be
considered here is that 10% of the respondents of DEUTSCHE Bank Ltd,., have given
negative rating i.e 10% of the respondents has given the rating of 1 to the bank as they were
not satisfied with the rate of interest and the services provided by the bank.
 When the respondents we asked as to which bank they will prefer the response that the intern
received was – that 60% (including the responses of both the banks) of the respondents said
that they would like to go for DEUTSCHE Bank Ltd., and 58% of the respondents preferred
to choose Kotak Mahindra Bank. Here the thing to be noticed is that around 74% of the

to Personal Loans
respondents of both the banks preferred to go for any other bank. Under this 34% of the
respondents of Kotak Mahindra Bank preferred to go for any other bank.
 From the survey conducted the intern observes that 48% of the respondents (including of both
the banks) suggests to improve the customers service, 42% of the respondents wants the
interest rate to be reduced 40% of the respondents of Kotak Mahindra Bank have no
suggestions for the bank as they are satisfied with the services and the interest rate charges
by the bank. With the help of the Table No- 18 we can see that 32% of the respondents of
DEUTSCHE Bank Ltd., are not satisfied with the service provided. With regards to all the
responses received, the response for the improvement of the customers service is the highest
i.e 32%
 From the survey conducted the intern came to know that as compared to Kotak Mahindra
Bank the interest rate charges by DEUTSCHE Bank Ltd., is more. With the help of Table
and Char no. 12 we can see that there are 32% respondents who have been charges with the
higher interest rate of 15% - 17%. It was also found that the people are not satisfied by the
service of the bank.
 During the survey when the question was asked to the respondents ‘which bank they would
like to go for’ – it was found out by the intern that because of the unsatisfied service of
DEUTSCHE Bank Ltd., the respondents are willing to go for any other bank than that of
DEUTSCHE Bank Ltd.,
 From the survey conducted it was also found out that the respondents are not satisfied withy
the pre-closure facility and charges of the bank. The intern found out that the pre-closure
charges of DEUTSCHE Bank Ltd., is more than that of other banks.
 From the survey conducted it was also found out by the intern that there is lack of
communication between the bank officials / Executives and the customers. The intern found
out that the customers were promised with some different figures i.e. the rate of interest and
they were provided with some different higher rate of interest without their consent.

to Personal Loans
 The intern also found out that some of the respondents prefer DEUTSCHE Bank Ltd., as their
bank only bank because it is an Indian bank and they do not want their money to go out of
India.
 The intern also found out that through the interest rate charged is very high people are ready
to go for it when they are desperately in need of money.
 The intern also found out that though the self- employed are charges with higher interest rate
they are ready to pay the interest as they feel that they can earn more than what they pay.
SUGGESTIONS
 From the survey conducted the intern suggests that the bank needs to improve on its
customer service so as to retain and gain more and more customers. As according to the
customers profitability analysis – 80% of the profits are derived from 20% of the customers.
 From the survey conducted and the analysis made the intern would like to suggest that
DEUTSCHE Bank Ltd., should target the customers of all different age group.
 From the survey conducted the intern would like to suggest to improve as well as to
increase their promotional activities through different channels. With the help of the survey
the intern came to know that some of the people are still unaware that the DEUTSCHE
BANK Bank Ltd., is into personal loan sector. This is mainly due to the lack of
advertisement made by the bank.
 From the survey conducted the intern would like to suggest that the bank should reduce its
Processing Time as the approval time also plays an important role.

to Personal Loans
 The intern would also like to suggest that the bank people i.e., the Field Executives, Tele-
calling executives, Team Leaders or Unit Manager or any other banks official should have a
clear Communication with their customers regarding the interest rate or the processing fee
or any such information.
 The intern would like to suggest the DEUTSCHE Bank Ltd., that it should provide their
customers with the regular statement at least once in every 3 months so that they may
come to know what their outstanding amount is.
 The intern would also like to suggest that the existing customers of DEUTSCHE Bank Ltd.,
should be provided with some concession on the top-up loan. The concession may be with
regard to reduction of interest rate or eliminating processing fees and other documentation
charges etc.
 The intern would like to suggest that the bank must have a customer care department
wherein if a customer has any queries can call the customer care and clarify with his doubts.

to Personal Loans
CONCLUSION
A loan is type of debt. A personal loan is a way of borrowing money from a bank, building
society or other financial service provider. Personal loans are used for personal purpose by a
customer for his/her ward’s higher education, wedding in a family, home improvement or maybe
just an expensive purchase.
With the help of the survey and the analysis done the intern would like to conclude that through
the interest rate charged for personal loan is very high the salaried as well as self-employed
customers would like to go for it as it is a an easy source of getting money in need.
The thesis would like to conclude that though the self-employed customers complain of high
interest are they also feel that in the coming years they can earn more than the interest they are
paying.
At the end the Thesis would also like to conclude that interest rate is not the only factor which is
important but also the service provided, the processing fee charged, the processing time taken, the
maximum loan amount give etc., all these factors also pay a important role and the customers do
enquire about all these factors which may help a product to be successful and be a leading product
in the market.

to Personal Loans
BIBLIOGRAPHY
Books:
 Marketing Management
ICMR
 Quantitative Methods
ICMR
Journals:
 DEUTSCHE BANK Journal 2005 -06
Websites:
About Banking Sector:
 http://en.wikipedia.org/wki/India_banking
 http://www.researchandmarkets.com/reports/34200/
 http://www.indiinbusiness.nic.in/india-profile/banking.htm
 http://finance.indiamart.com/investment_in_india/fact_files_india.html
For DEUTSCHE Bank Ltd.
 www.Deutsche bank.com
 http://finance.indiamart.com/investment_in_india/Deutsche bank.html
For Kotak Mahindra Bank
 www.kotak.com
 http://www.kotakmahindra.co.in/AboutUs/kotakmission.html
 http://finance.indiamart.com/investment_in_india/kotak.html
 http://www.kotakmahindra.com/com/about/history/frq/index.jsp

to Personal Loans
QUESTIONNAIRE
1. Name:
2. Address:
3. Contact Number:
4. Email ID:
5. Gender: Male Female
6. Marital Status Single Married
7. What is your age
a. 23 – 30 yrs
b. 31 – 40 yrs
c. 41 – 50 yrs
d. 51- 60 yrs
8. How do you rate your knowledge about banking sector
a. Very Good
b. Good
c. Average
d. Bad
e. Very Bad
9. What was the source through which you came to know about the bank?
a. Friends and Relatives

b. TV Advertisements
c. Newspapers
d. Magazines
e. Tele-Sales/Fired Executives
f. Others
10.What aspects do you consider important when you apply for personal loans?
a. Interest Rate Offered

b. Service provided by bank
c. EMI to be paid
d. Easy documentations of Bank
e. Processing Fees and other charges
f. Processing Time / Fast approval
g. Loan Amount
h. Tenure Period

to Personal Loans
i. Pre-closing Charges
11.On what basis you have a taken loan from the bank?
a. Salary
b. Credit Cards
c. Track Record of any other loans
d. Balance Transfer
12.Are you
a. Self employed
b. Govt. Employee
c. Non-govt employee (IT / BPO / Regular)
d. Professional (Doctors / C.A./B.E)
e. Others
13.Is Salaried
a. Name of Business -
b. Designation -
c. Not Take Home Salary -
(Cost to the Company)
d. Total work experience -
14.If Self-employed / Professional, what is our turn over
a. Nature of Business
b. Total Turnover
c. 2 years IT Returns
d. Tenure Period
e. Any other loan from any other banks-
(Please specify the nature of the loan)
15.What was the loan amount you have taken for personal loan
a. Rs.50000
b. Rs.50001 – 2,00,000
c. Rs.2,00,001 – 5,00,000
d. More than Rs.5,00,001
e.
16.What was the Tenure Period
a. 1 years
b. 2 years
c. 3 years
d. 4 years
e. 5 years
17.What was the interest rates

to Personal Loans
a. Less than 11%

b. 12 – 14 %
c. 15 – 17 %
d. 18 – 20%
e. More than 20%
18.What was the processing fees charges by the bank
a. 0%
b. 1.5 %
c. 2%
d. 2.25%
19.What was the processing time
a. Less than equal to a week

b. More than a week
c. More than 2 week
d. A month
20.How would you rate the services provided by the DEUTSCHE Bank Ltd.,
-1 0 1 2 3 4 5 6 7 8 9 10
21.If given a choice which bank would you prefer and why
a. DEUTSCHE Bank Ltd. ______________________
b. Kotak-Mahindra Bank ______________________
c. Any other bank _______________________
22.Any Suggestions / Views

a. Reduce Interest Rates
b. Improve Customer Service
c. Fast Approval
d. Disclose correct information
e. High Loan Amount
f. Regular Statement

to Personal Loans
g. Pre-closure Facility and its charges

h. Educate well about the Product
i. Be Professional
j. Easy Documentation
k. Reduce Communication Gap
l. Online Facility
m. No. Suggestions to give

to Personal Loans
On-the Job Training (OJT)
Problem Definition:
Doing Cold Calls for Personal Loans and achieving the target of Rs.5 Lakhs per
month. OJT involves one employee showing a newer one the skills and tasks that are
needed for the job. Usually, a short amount of time is se-aside for OJT.OJT allows
trainees to watch more experienced workers and ask them questions as they
perform the job.
On the ob training provides us a lot of experience in the work place. It helps / gives
us an exposure towards the different activities performed by the particular
department in a company. It gives us a learning experience.
Objectives:
 Sell personal loans through field work and cold calls
 Targeting salaries and self-employed segments
 To understand the strength and weakness of the product
 To convince the prospective customers to apply loan through DEUTSCHE Bank

Ltd.
Tasks and Targets:
The different tasks and targets provided to the intern by the DEUTSCHE Bank Ltd.,
and the strategy used, is as follows:
The target given to us is Rs.5 lakhs per month.
 Here, we have to sell Personal Loans.
 The targeted customers are salaried and self-employed people.
 The strategy used here is approaching the customers by making cold calls and
convincing the customers to take personal loan.

to Personal Loans
 We have to fix an appointment with the customer and collect all the documents
that are required for the sanctioning of the loan.

Final Thesis - 2003 Format

Diunggah oleh

Informasi Dokumen

Deskripsi Asli:

Judul Asli

Hak Cipta

Format Tersedia

Bagikan dokumen Ini

Bagikan atau Tanam Dokumen

Opsi Berbagi

Apakah menurut Anda dokumen ini bermanfaat?

Apakah konten ini tidak pantas?

Hak Cipta:

Format Tersedia

Final Thesis - 2003 Format

Diunggah oleh

Hak Cipta:

Format Tersedia

A study is a comparative study between DEUTSCHE Bank Ltd.

, with than of Kotak Mahindra Bank with regards

A study is a comparative study between DEUTSCHE Bank

Indian Institute Of Planning and Management Page 1

2.1 Introduction about Bank

2.3 Personal Loans

2.4 Project Objective

Chapter 3. Industry Profile

3.1 History & Introduction

3.2 Nationalization of Banks in India

3.3 Fact Files of Banks in India

3.5 Current Scenario

3.6 Banking Industry in India

Chapter 4. Company Profile of DEUTSCHE Bank Ltd.

4.2 Main Functions of DEUTSCHE Bank Ltd.

4.3 Management and Organization

4.5 Amalgamation of DEUTSCHE Bank into

Indian Institute Of Planning and Management Page 2

DEUTSCHE Bank Ltd.,

4.6 Facts and Figures

4.7 Personal Loans

4.8 Different Products of DEUTSCHE Bank Ltd.,

Chapter 5. Company Profile of Kotak Mahindra Bank

5.2 Kotak Mahindra Bank in India

5.4 Achievement of Kotak Mahindra Bank

5.5 Different Products of Kotak Mahindra Bank

Chapter 6. DEUTSCHE BANK Personal Loan Product

6.1 Targeted Customers, Eligibility &

Chapter 7. Project Title

7.1 Research Methodology

Chapter 8. Survey analysis and interpretations

Indian Institute Of Planning and Management Page 3

Chapter On - The- Job Training

13.2 Task and Targets

Indian Institute Of Planning and Management Page 4

Signature of the Student :

Name of the Student (in Capital Letters) : KARTHIK.B

Indian Institute Of Planning and Management Page 5

Indian Institute Of Planning and Management Page 6

Treat this mail as a formal approval of the same.

On Tue, Jun 2, 2009 at 9:15 PM, karthik b <karthik.6896@gmail.com> wrote:

Sorry for delay but go thru the word document

Indian Institute Of Planning and Management Page 7

Indian Institute Of Planning and Management Page 8

 To channelize the flow of fund for productive use

 To properly explain and evaluate Loan Proposals.

Indian Institute Of Planning and Management Page 9

 To ensure credit facilities are released in time.

 Lead Bank Charges

 Commission on guarantees and letter of credits

Indian Institute Of Planning and Management Page 10

Indian Institute Of Planning and Management Page 11

• Any suggestions provide may not be always accepted by the organization.

Indian Institute Of Planning and Management Page 12

o Early phase form 1786 to 1969 of Indian Banks.

Indian Institute Of Planning and Management Page 13

• 1949: Enactment of Banking Regulation Act.

• 1955: Nationalization of State Bank of India.

• 1959: Nationalization of SBI subsidiaries.

• 1961 : Insurance cover extended to deposits.

• 1969: Nationalization of 14 major banks.

• 1971 : Creation of credit guarantee corporation.