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PROJECT REPORT
ON
“AGRICULTURE LOANS”
BACHELOR OF COMMERCE
(BANKING & INSURANCE)
SEMESTER _ V
UNIVERSITY OF MUMBAI
In partial fulfillment of the requirements for the award of the degree of bachelor
of commerce – banking & insurance
PREPARED BY:
MISS. KIRAN AHUJA
T.Y.B.C.B.I.(SEM-V)
ROLL NO. 27
UNDER THE GUIDANCE OF PROF. BHARTIVALECHHA
SMT. CHANDIBAI HIMATHMAL MANSUKHANI COLLEGE
ULHASNAGAR – 421003
(2013-14)
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Department of banking insurance
Certificate
This is to certify that Miss.KiranAhuja of T.Y.B.C.B.I has
successfully completed the project titled “AGRICULTURE
LOANS”under my guidance for the academic year 2013-14. The
information submitted is true and original as per my knowledge.
Mrs. Bharti Valechha
(Project Guide)
Mrs. Kajal bhojwani Dr.(Mrs.) Bhavna Motwani(Coordinator B.C.B.I) (Principal)
Smt. Chandibai Himathmal
mansukhani College
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DDEECCLLAAR R AATTIIOONN
I, Kiran Ahuja student of CHANDIBAI HIMATMAL MANSUKHANI
COLLEGE studying in Third Year of Bachelor of Banking & insurance
(T.Y.B.C.B.I) hereby declare that I have completed this project on
“AGRICULTURE LOANS” in the academic year 2013-14.
The information submitted is true and original to the best of my
knowledge.
_________________
Signature of student
(Ms. KIRAN AHUJA)
(T.Y.B.C.B.I)
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ACKNOWLEDGEMENT
It will be ungrateful for me if I do not mention all those peoplewho have contributed that time, support & guidance to help me
making this project report on “Agriculture loans”.
I would like to express my gratitude first & foremost to
almighty god for bestowing upon me his perennial guidance to
help me follow the right direction & for keeping me patient,energetic & potential while preparing this project report.
I express my sincere gratitude to Prof. Bharti Valechha for
lending her precious time & guiding me to make this project as
it is. It would not have been possible for me to work on this
project without her professional guidance.
I acknowledge my dateness to Prof. Bharti for rendering his
valuable help at every stage of making this project.
I am also indebted to various agencies, professor, relatives &
friends for bestowing their help & support.
I would fail in my duty if I do not mention the tremendous co-
operation & support I received from my family members &
would like to thank them for their forbearance thoughtout the
completion of this project.
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EXECUTIVE SUMMARY
A personal loan could be used for
multiple purposes. Every type of
lenders such as banks, private
money lenders and financial
institutions deal with personal
loans. In fact personal loan have
become one of the most popular
loan categories in India. It’s upto
the borrower from where he wants
to borrow.
Personal loans are tailor made for all the types of borrowers
when they are in need of financial help for a specific or a variety
of purposes. But one must look for an offer of the loan that is
not a burden to repay. That is why knowing about the steps forensuring a less costly loan become essential for the applicants
before they sign the deal.
These loans can find use in any personal purpose with the
commonest of them being for home improvements, purchasing a
car, meeting wedding and holiday expenses, getting rid of old
debts,etc.
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OBJECTIVES
TO STUDY THE VARIOUS TYPES OF PERSONAL LOAN
TO FOCUS ON TERMS AND CONDITIONS
TO STUDY ABOUT THE PROCESS OF PROCURING
PERSONAL LOAN
TO KNOW ABOUT PERSENT SCENARIO OF PERSONAL
LOAN IN INDIA
TO MAKE A COMPARATIVE STUDY OF VARIOUS
BANKS PERSONAL LOAN
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R ESEARCH & METHODOLOGY
Primary data:
FIELD VISIT:
PEOPLE INTERVIEWED
Mrs. Simran chhanghlani
Assistant Branch manager of DENA BANK
SECONDARY DATA:-
BANKING WEBSITES
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INDEX
SR.NO TOPIC NAME PAGE NO.
1. Introduction 1-37
2. Literature review 38
3. Field study 39-40
4. Findings, analysis and interpretation 41-46
5. Conclusion 47
6. Annexure 48-50
7. Bibliography 51