“A STUDY OF HOME LOAN PROCESS WITH SPECIAL

REFERENCE TO PUNE DISTRICT CENTRAL CO-OPERATIVE

BANK NIMBUT”

A Project Report
Submitted to Savitribai Phule Pune University
In partial Fulfilled of requirement for the award of the degree of

Master Of Business Administrations

BY
MISS.POOJA UDAY KAKADE

UNDER THE GUIDANCE OF

Prof. RUPALI SHINDE

THROUGH

Department of Management Studies

RMD Sinhgad School of Management studies
Warje , Pune-411058
BATCH 2021-2023

1
 INTRODUCTION

As per the requirements of the Savitribai Phule Pune University , at the end of
Second Semester each student shall undertake a Summer Internship Project (SIP) for a
minimum of 8 weeks. For SIP, 1 credit is equivalent to minimum 40-45 hours of
effective work. SIP shall have 6 credits. It is mandatory for the student to seek
advance written approval from the faculty guide and the Director of the Institute about
the topic and organization before commencing the SIP.
Each student shall maintain a SIP Progress Diary detailing the work carried out
and the progress achieved on a daily basis. The student shall submit a written structured
SIP report based on work done during this period. The student shall submit the SIP
Progress Diary along with the SIP Report. Students shall also seek a formal evaluation
of their SIP from the company guide. The formal evaluation by the company guide
shall comment on the nature and quantum of work undertaken by the student, the
effectiveness and overall professionalism. The learning outcomes of the SIP and utility
of the SIP to the host organization must be specifically highlighted in the formal
evaluation by the company guide. The SIP evaluation sheet duly signed and stamped
by the industry guide shall be included in the final SIP report.

2
 CONTENTS
**************
Particulars
a. Title page
b. Formal feedback from the company guide
c. Declaration (by student)
d. Guide’s Certificate (College Letter head)
e. Company’s certificate (duly stamped and signed by reporting officer.
f. Index (In tabular form with appropriate page numbers)
g. Acknowledgement
h. List of tables
i. List of graphs
j. List of figures
k. List of abbreviations
l. Executive summary of the project
Executive Summary

3
 DECLARATION

I, the undersigned, hereby declare that the Project Report entitled “HOME
LOANS at PDCC Bank NIMBUT ,BARAMATI is written and submitted by me to
the University of Pune, in partial fulfillment of the requirement for the award of degree
of “MASTER OF BUSINESS ADMINISTRATION” under the guidance of my
original work and the conclusions drawn therein are based on the material collected by
me.

Place: Pune
Signature of
Date: POOJA UDAY KAKADE

4
 ACKNOLEDGEMENT

I take this opportunity to express my acknowledgment and deep sense of

gratitude to the individuals for rendering valuable assistance and guidance to me. Their
inputs have played a vital role in the success of this project.
I express my deep sense of gratitude to Mr. H.B. Kambale– PDCC BANK
HOME LOAN for giving me the opportunity to carry out my project work in this
esteemed organization and for her generous support, constant direction and mentoring
at all the stages of the training.
I am also grateful to my guide Miss Rupali Shinde who was a real source of
help and assistance to me during the course of the project.
I take this opportunity to thank all the employees who spared their precious time
to provide me with valuable inputs for the project without which it would have not been
possible.
I firmly believe that there is always a scope of improvement; I welcome your
suggestions to further enrich the quality of this project.

THANKING YOU
Pooja Kakade
.

5
 INDEX

SR. TITLE PAGE

NO. NO.

1. Executive Summary 7

2. Introduction 8-9

3. Bank Profile 10-14

4. Research and Methodology 15-16

5. Objectives 17-18

6. Theoretical Background 19-28

7. Data Analysis 29-33

8. Suggestion 34-35

9. Findings 36-37

10. Conclusion 38-39

11. Annexure 40-43

12 Reference and bibliography 44-45

6
 EXECUTIVE SUMMARY

The home loan scheme of the PDCC bank is named “PDCC HOUSING
LOAN”. It has been a successful product launched by bank’s retail assets division. The
home loan disbursement procedure followed by the bank has been undertaken.

The various documents involved and the intricacies in taking a home loan have
also been highlighted as a part of my study.

An attempt has been made to understand the various extensions and new
concepts and the benefits extended by the banks.

The main purpose of this study is to know that which bank home loan is more
suitable to take by market survey.

Whole project consist of bank details history of banking in India major players
in the banking sectors and regulatory environment details under which cooperative bank
is working. This report also covers the major department of cooperative bank viz
marketing department, finance department, service department and human resource
department.

7
 CHAPTER :1
INTRODUCTION

8
 INTRODUCTION

Importance of the study

The research is focused on what are the customer’s perceptions about Home
loan and how to improve the usage rate were the focus of research and area in study.

In this research study the research on “A casual study on the influence of Home
loan in customer retention in the context of “Pune District central cooperative bank.”
The main objectives of this research is to identify banking the key factors that influence
the internet banking and helps to retain customers of the PDCC Bank Ltd. By this
research we will able to know that which factors and how they influence Home loan of
PDCC Bank to retain customers.

NEED FOR THE STUDY:

Retail banking has been popular segment to enter into for many banks. In the retail
banking, housing sector has been most promising segment which is promising a
Comprehensive growth rate of about 30 per cent for the next five years. With the
government keen on infrastructure development and announcing various tax Sops
housing loan segment has been a tempted area for many banks to enter into housing
sector can be bifurcated into organized and unorganized segments with the unorganized
segments accounting for over 75 per cent of the housing units constructed.

During the past 4 – 5 years the housing sector helped by the growing housing finance
industry has witnessed significant developments.

9
 CHAPTER :2
BANK PROFILE

BANK PROFILE

10
 Here is the IFSC and Branch Codes of Pune District Central
Co Op Bank Ltd Nimbut, Maharashtra. Also find the latest
information like address, contact number of Pune Districts
Central Co-op Bank Ltd, Nimbut of Pune District Central Coop
Bank Ltd. Nimbut Branch.
IFSC Code HDFC0CPD237(used for
RTGS,NEFT and IMPS
Transactions)
Bank Name Pune Districts Central Co op
Bank Ltd
Branch Code Cpd237
Mode of Payment Cash, Cheque, Demand Draft
and Net banking
Website Http://pdccbank.com
Headquater Pune
Timing Monday to Friday: 10AM to
4PM Saturday)
Remittance NEFT
City Baramati
Districts Maharashtra
Country IN
Address AP Nimbut Tal Baramati Dist
Pune

HISTORY:

11
 Banking system works as heart and back boan of the financial activity of every
country all commercial banks are act as financial intermediaries for all financial
activities. They are specially works as intermediaries for saving and investments. They
have to play positive role in the development of the every country. Ex-President and
great scientist of India Dr.A.P.J Abdul kalam express his view on functioning of bank
as ‘All banks should be work as common man banks and they have to offers all financial
products and services to all its customers under one roof, at affordable cost in a fair and
transparent manners.

PROFILE OF PDCC BANK:

Cooperative banking system also played very pivotal role in uplift of rural India
especially in state like Maharashtra and Gujrat ,cooperative banking has played very
crucial role in rural development. It has contributed for development of agriculture
sector and its allied activities like dairy ,poultry ,fishery and many more. Now a days,
they also contributed for micro, small and medium scale industrial development in rural
areas of Maharashtra distract credit cooperative bank are the pioneer financial for such
activities and contributed all the way of rural upliftment in all over Maharashtra.
Considering the importance and contribution of districts credit cooperative bank
in rural area of Maharashtra state the researcher has decide to focus to focus and
comparative performance of PDCC
Pune District Central Co-operative Bank (PDCCB), Pune, having its registered
office at 4 B, B. J. Road, Pune 411 001, is one of the leading District Central
Cooperative Bank in India and is having 289 branches and Head Office. All the
branches have computerized entire operation using Core Banking Solution to meet the
present and future needs of the Bank. The Bank currently has Core Banking application
from Infra soft Technologies Limited and the application is OMNI Enterprise 3.0. The
Bank has its own Data Centre in its Head Office and DR Centre at Baramati. L2 & L3
level support has been provided by a third party vendor and Branch level Network
connectivity has been provided by M/s data Bit Technologies Pvt. Ltd. Bank is inviting
proposal from prospective bidders through the process of Open Tendering to participate
in the competitive bidding for Selection of System Integrator for Migration of Core
Banking Solution along with requisite hardware for DC & DR, DR hosting, network &
security and providing facility management services in Pune District Central Co-
12
operative Bank Ltd. on ownership model. This document is meant for the exclusive
purpose of bidding as per the terms, conditions and specifications indicated and shall
not be transferred, reproduced or otherwise used for purpose other than for which it is
specified issued.

BENEFITS TO CUSTOMERS:
• No hidden charges.

• Quick and Fast processing.

• EMI is applicable to all existing and new customers.

• Home loans for individuals to purchase (fresh / resale) or construct

houses. Application can be made individually or jointly.

• Daily reduction balance

• Repayment in addition to fixed installation can be made without any

charges.

Documents Required
• Account Statement / Passbook for verification.

• Three Photograph of Borrower & Guarantors.

• Aadhar card of borrower and Guarantors.

• Ration card of borrower and Guarantors.

• Electricity Bill of borrower and Guarantors.

• Any other documents required by the Bank.

• Passport.

• Driving Licence

• Proof of possession of Aadhaar Number

• Voter's Identity Card issued by Election Commission of India

• Job card issued by NREGA duly signed by an officer of the State

Government

13
• Letter issued by the National Population Register containing details of
Name and Address.

Terms And Conditions

• Security of the loan would generally be security interest on the property
being financed and / or any other collateral / interim security as may be
required by PDCC.

• All banking transactions are chargeable at normal charges as

published from time-to-time.

• All the information contained herein above is for awareness and

customer convenience and is intended to only act as an indicative
guide about PDCC’s products and services. For detailed information
about PDCC’s products and services kindly visit the nearest PDCC
branch.

TCHAPTERYYJH

14
 CHAPTER:3
RESEARCH AND METHODOLOGY

RESEARCH METHODOLOGY

15
 “Marketing research is a systematic gathering, recording and analyzing the data
about marketing problems to facilitate decision-marketing.”

SOURCES OF DATA COLLECTION

1) PRIMARY DATA:-

For this research source of primary data collection is questionnaire.

2) SECONDARY DATA:-
In this project I have used following secondary data to make the study;
1. Documents of PDCC BANK

2. Website of PDCC BANK

16
 CHAPTER NO: 4
OBJECTIVES

OBJECTIVE:

1.PDCC Bank offers arrange of home loan

17
2. Investment credit leads to capital formation through assets.
3. It induces technological upgradation resulting in increase production, productivity
and incremental income income to customers.
4. At PDCC, we understand that a home is not just a place to stay. It is much more than
that.
5. It is a warm little corner in the world that is yours, tailored by your tastes and needs.
6. It is the place where you celebrate the joy and enjoy the journey called life.

18
 CHAPTER NO:5

THEORATICAL BACKGROUND

Theoretical Background

HOME LOAN SCHEME AND ITS EXTENSIONS

19
A home loan scheme is generally offered to the person to accommodate finance for
purchasing the house or for renovation or extension of the existing house.
The various extensive schemes, which are included in the home loan portfolio, are:

Home Purchase Loan:

This is the basic home loan for the purchase of a new home.
Home Improvement Loans:
These loans are given for implementing repair works and renovations in a home that
has already been purchased by you.
Home Construction Loan:
This loan is available for the construction of a new home.
Home Extension Loan:
This is given for expanding or extending an existing home.
For eg: addition of an extra room etc.
Home Conversion Loan:
This is available for those who have financed the present home with a home loan and
wish to purchase and move to another home for with some extra funds are required.
Through home conversion loan, the existing loan is transferred to the new home
including the extra amount required, eliminating the need of pre-payment of the
previous loan.

eligible. Proprietary concerns, HUF, partnership firms or limited companies are not
eligible for this loan, where partners at their individual capacity are free to avail this
loan.

2. As a customer to enhance the loan eligibility, all HFIs lay down conditions to who
be co applicants, al co owners to the property should necessarily be co-applicant.
Income of the co-owners can be clubbing some of the acceptable relationships where
loan clubbing is possible:

Income clubbing of co – applicants

Combinations Income clubbing

20
 Husband – wife YES
parent – Son YES (if only son)
Parent – Daughter YES (If only child)
Brother- Brother YES (if currently staying together and
intend staying together in the new property)
Brother – Sister NO
Sister – Sister NO
Parent – Minor child Not eligible for loan

3. The minimum age for the applicant and the co applicant to become eligible for
the commencement of eh loan is 23 years, and co applicant can be of 18 years of
age if their income is not clubbed to calculate the loan eligibility.
4. The maximum age at the time of loan maturity for applicant or co-applicant is 60
years or the retirement age whichever is earlier.

21
 DOCUMENTS INVOLVED IN EVALUATION OF HOME LOAN:

The documentation requirement for various categories of applicants depends on their

status. For this purpose PDCC bank segregate their employees in different categories.
They are:

• Salaried
• Professional or Businessman
The criteria of evaluation changes according to their status. The general documents,
which remain same for all the categories, are as follows:
1. Proof of age
Any one of the following is considered for proof of age, they are:
• Passport
• Voter’s ID card
• PAN card
• Ration card
• Employer’s identity card
• School leaving Certificate
• Birth Certificate
2. Copy of bank statements for the last six months:
Bank statement for the last six months of all operating and salary accounts. Bank
statements for the last six months of all current accounts, if self-employed. Any
other photocopies of investments held, if required by the HFIs
3. Copy of latest credit card statement.
4. Passport size photograph
5. Signature verification by your bankers.
6. Proof of residence:
• Ration Card
• PAN Card
• Passport
• Rent agreement if any, if you are currently staying on rent.
• Allotment letter from your company if you are residing in company
Quarters.

22
The documents required to be provided by the salaried class are as follows:
• Salary slips for the last three month.
• Appointment letter
• Salary certificate
• Retainer ship agreement, if appointed as consultant.
• From-16 issued by the employer in your name.

Proof of Employment:
The proof of employment is verified by the
• Identity card issued by the employer
• Visiting card.

Employer’s details (in case of private limited companies):

The employer’s details are to be provided in addition to the above documents
for documents for a private sector employee, they are:
• Name of promoters / Directors
• Background of promoters / Directors
• Number of employees
• List of branches / factories
• List of clients / Customers
• Turnover of your employer
• Annual reports of your employer for the last two to three
employees:

23
The documents required to be submitted by the businessmen as follows:

a. Last three years Profit & Loss Account Statement duly attested by a
Charted Accountant
b. Last three years Balance Sheets duly attested by a Chartered Accountant
c. Last three years Income Tax Returns duly filed and certified by Income
Tax authorities

Proof of Investments:
1. Bank statements for the last six months of all current accounts.

2. Any other photocopies of investments held, as required by the

HFI.
The above are the various documents required by the businessman in addition to the
documents, which are common to the entire category.

The businessman is also judged on the basis of the business conducted by him, if his
Business profile is in the negative list, he will be thoroughly considered for his
credibility before dispersing loan, the organization and property location should not
be in the negative list.

These are the additional documents which are required to be looked at before going
on for completing the pre sanction formalities with respect to dispersing of the home
loans to the business class.

24
THE PARAMETERS INVOLVED IN HOUSING LOAN EVALUATION

There are a number of parameters on which the housing loans are built:
They are:
1. TENURE
The tenure of the home loan refers to the time limit for a customer to repay the loan
Generally, the maximum tenure of home loans is 20 years, with a few lenders offering
tenure of 20 years or more (PDCC has recently launched a 25 years loan). The longer
the tenure, more a customer pays in total interest, but monthly payments will be less.
So depending on the earning potential and bank balance of the customer, an appropriate
can be chose. An important requirement of most banks/ HFIs is that they pay up the
entire loan before you retire. The customer can always prepay the entire loan amount
before it is due.
As long as the tenure goes up a customer pays more interest which is up to 5.00 To
5.30% generally above the home loan rates.

2. AMOUNT PAID BY THE FINANCER/ MARGIN REQUIREMENTS

The financer does not pay the entire amount of the loan, they request the customer to
maintain margin, most banks go in for a 85% funding of the property value including
the stamp duty and charges, it however varies among various banks.
This is also treated as the margin money or own contribution required to be put by the
prospective loan seeker as the contribution towards the purchase of the house. Most
HFIs believe the amount paid is upfront before they release any disbursement.
As a rule of thumb, depending upon the HFC, the prospective loan seeker has to cough
up 15% - 20% of the loan amount as a down payment. For smaller amounts, this may
not be much. But for figures running into lacks, this could make loads of difference.
For example: An apartment costing Rs. 10lacss may get 85 per cent financing. So,
customer has to arrange for the remaining Rs 1.5lacs.
Some banks however make way for the payment for 90% of financing and about 100%
financing for some new projects, however they are subjected to a large number of
factors and constrains.

25
3.Interest Rates
Sr Rate Of Interest (% p.a.) w.e.f. 30-10-
Tenure Period
.No 2020
7 days to 14 days
1 (single deposit of Rs 15 lakh and 3.50%
above.)
2 15 days to 29 days 3.50%
3 30 days to 45 days 4.00%
4 46 days to 90 days 4.25%
4 91 days to 180 days 4.50%
5 181 days to less than 1 year 4.75%
6 1 year to less than 2 years 5.00%
7 2 year to less than 3 years 4.75
8 3 years and above 4.50%
(Additional 0.50% interest rate will be given to senior citizens for 1 year and above)

4. MISCELLANEOUS CHARGES:
All banks charge certain amount of processing fee which cannot be ignored, it
should be understood that along with monthly payments, the customer should also
ensure that he has to pay these charges, so he should careful in choosing his HFC.
Miscellaneous charges generally range around 2.5% to 3%.
A 0.25% administration fee and 0.50% processing fee on, say RS. 5, 00,000
loan, would amount to RS 10.000. Other times, it could be just one fee (either
administration or processing) but could yet work out to be much more if it is
considerably higher at, say, 2.5 per cent or 3 per cent. The various other fees, which
you are required to be paid along with the margin amount, are:

a) Processing fee:
It’s a fee payable to the lender on applying for a loan. It is either a fixed amount
not linked to the loan or may also be a percentage of the loan amount. The loan amount
received by customer can be less than the processing fee. It is charged at the submission
of the application form and covers expenses incurred for processing the application
form.

26
b) Prepayment Penalties:
When a loan is paid back before the end of the agreed duration a penalty is
charged by some banks/companies, which is usually between 1% and 2% of the amount
being pre-paid.
c) Administrative Fees:
An administrative fee is charged by the HFI on the loan amount sanctioned to customer.
This fee is normally payable at a time of accepting the offer letter. It is charged mainly
to meet the operating expenses of the loan amount of the entire tenure.
d) Others:
It is quite possible that some lenders may levy a documentation or consultant charge.
In case of PDCC Bank the processing fee is 0.25% of the loan amount and the
administrative fee is approximately 0.50% of the loan amount.
5. AMORTISATION
It means the method or the calculation by was of which the entire Principal
amount/loan amount is paid through the tenure of the loan.
This helps the customer to know what his outstanding principal is at any point of time.
There are two methods generally followed:
• Annual rests
• Monthly rests

Annual rests:
This is more commonly known as annual reducing balance of the principal/loan
amount lent to you. In an annual rest the EMIs (fixed monthly payment for the dispersal
of the loan amount) are calculated on a annual basis.
The component of interest is higher in the initial years and later on the component of
principal increases and the interest keeps reducing year after years. In other words, the
interests in the EMI will keep reducing year after year and the principal component
keeps increasing.

Monthly rests:
This is called monthly reducing balance or principal. The calculation in the
above method remains the same as of the above except that the balance is calculated on
a monthly basis and the EMI is broken up every month to arrive at the opening balance

27
of the principal for the next month. It is always better for a customer to seek an HFI,
which generally has monthly rests, based system; this will reduce the amount of interest
paid by the customer. Many banks have adopted to the monthly rests system.

6. REPAYMENT FACILITY
The bank has given three options for repayment of the loan to suit the
convenience of Borrower.
Equated Monthly Installments (EMI) uniform monthly installment, inclusive of
interest, for the entire repayment of only interest for the first five years, and thereafter
in EMI for the next 10 years.
Repayment of only interest in the first five years, 30% principal plus interest in the next
five years, and balance 70% plus interest in the remaining period.
Repayment to start on completion of construction, but not later than 18 months from
first disbursement and in case built up houses after one month from disbursement.
Interest during gestation shall be paid as & when due. The repayment not to extend
beyond the age of retirement of the borrower or 70 years whichever is earlier, however
where co-borrower is taken, a maximum repayment period of 20 years may be
considered provided the loan is liquidated within the age of 70 years of the borrower/
co-borrower having capacity to service the loan.

28
CHAPTER NO:6
DATA ANALYSIS

29
Q1. On which bank you depend for your regular transaction

ICICI 60 % (120)

SBI 33 % (66)
HDFC 5% (10)
OTHER 2% (4)
TOTAL NO. OF PEOPLE 200

Interpretation:
It has been observed that approximately 60% correspondents are using the
service of PDCC for their daily transaction, around 33% of people are using PDCC
Bank for their transaction and only 5% & 2% of people are using HDFC & other Bank
service respectively in Amravati. It also shows that PDCC have the highest market
position in Amravati as per my sample.

30
Q2. Are you aware of products & services provided by PDCC?

Interpretation:

From the above data it is clear that most of the customers (around 85%) of Amravati
have the idea about the product & services of PDCC, the rest 15% have the idea about
the product they are using. In this 15% most of the people are from typical rural area
(Farmers).

31
Q3. If yes are you aware of the advance products (Loan segments) of PDCC

YES 95%(190)
NO 5% (10)

TOTAL NO. OF PEOPLE 200

32
Interpretation:

It is clear that most of the people have the idea about the advance product of PDCC.
Almost all the 95% people who have the idea about the advance product are the user of
PDCC product & service.

33
 CHAPTER :7
SUGGETION AND RECOMEDATION

34
 Suggestion

➢ Customer awareness programe is required so that more people should attract

towards advance product.
➢ If there are any kind of hidden charges than that must disclose to customer
before giving loan to them.
➢ PDCC must take some steps so that customers can get their loan in time. Like
phone verification by customer care that one customer is got their loan on time
or not .It must be before a certain date so necessary steps can be taken.
➢ PDCC should more concern about physical verification rather than phone
verification so it will avoid fraud or cheating.
➢ Advance product selling agents must not give any type of wrong information
regarding advance product.
➢ For the better service new offers would be require.

35
CHAPTER NO:8
FINDINGS

36
 Findings
Project Findings:

➢ From this project it is found that PDCC advance product having the 1st place in
the market .There is a great opportunity to compete with PDCC Bank & to retain
its customer by fulfilling the requirement of customer in PDCC advance
product.
➢ All of PDCC customers are satisfied with the services provided by the bank.
➢ Many of these customers satisfied with the low interest rate and longer
repayment period of the advance product.
➢ Most of the customers at pune prefer to take loan from PDCC.
➢ A response from customer care is so clear & good.
➢ Government employees are more concern than private employees for advance
product.

37
CHAPTER NO:9
CONCLUSION

38
 Conclusion
PDCC should focus on-

● Launch Innovative product

● Customized advance products
● Better customer services
● Fastest customers problem solving techniques
● Customer retention

39
CHAPTER NO:10
ANNEXURE

40
 Annexure
Questionnaire

Name - _____________________________________

Occupation-__________________________________

Contact Detail -_______________________________

Q. On which bank you depend for your regular transaction?

a) PDCC
b) PDCC Bank
c) HDFC Bank
d) Other Bank, Specify (_____________)

Q. Are you aware of products & services provided by PDCC?

a) YES
b) NO

Q. If yes are you aware of the advance products (Loan segments) of PDCC?
a) YES
b) NO

Q. Which bank you prefer for taking loans?

a) ICICI
b) ICICI Bank
c) HDFC Bank
d) Other Bank, Specify (_____________)

41
Q. If you prefer PDCC for taking loan than what influence you to take Loan from
PDCC?
_______________________________________________________________
_____________________________________________________________________
_____________________________________________________________________
_____________________________________________________________________
_______________________.

Q. Which loan product of PDCC you have used?

a) Home Loan
b) Education Loan
c) Car Loan
d) Personal Loan
e) Other Loans, Specify ( ______________ )

Q. What do you feel about the services providing by PDCC in advance product?
a) Bad
b) Satisfactory
c) Good
d) Excellent

Q. Which features you like most in Loan segments of PDCC?

a) Less paper work
b) Attractive interest rate
c) Transparency
d) Simple & fast processing
e) Flexibility to choose an EMI base loan or an overdraft
f) Longer tenure lone for ease of repayment
g) Specially design product for self employed
h) Any other feature, specify ( _____________ )

42
Q. Any suggestion you want to give for the betterment of PDCC advance product.

_____________________________________________________________________
_____________________________________________________________________
_____________________________________________________________________
_____________________________________________________________________
_______________________.

43
 CHAPTER NO:11
REFERENCE & BIBLIOGRAPHY

44
 REFRENCES & BIBLIOGRAPHY

1. Banking and Financial Systems by A.V.Ranganathachary, K.Anjaneyulu, K.Lalitha

2. Financial Services, A.K.Khan

3. www.PDCCbank.com

4. http://www.PDCCbank.com/pfsuser/loans/homeloans/hlhomepage.htm

5. Online Home loan. in/PDCC Bank

45