4.

DATA ANALYTICS, INTERPRETATION

HOME LOAN MARKET: CONSUMER ANALYSIS\

UNIVARIATE ANALYSIS

SELECTION OF BANK

pg. 1
From the above graph it interpret that 32% people taken loan from SBI, while 20% people
taken loan from HDFC bank and 2% people took loan from UTI, IDBI, TATA capital PNB
home finance and 6% people have taken loan from KOTAK. So, we say that more than 50%
people taken loan from SBI and HDFC so, both the bank covered more than half the market
of home finance.

CRITERIA CONSIDER WHILE TAKING LOAN

From the above table it interpret highest mean is 6.6 of loan tenure and second highest is 5.1
so, we can say that highest number of people gives more important to loan tenure and
followed by margin amount and then loan eligibility.

pg. 2
 INTEREST RATE

From the above graph it interprets those two types of rates are fixed and floating rate from
which 58% people pay fixed rate for their home loan while 38% people pay floating rate for
the home loan and remaining are pay other interest rate. So, we can say that a greater number
of people preferred fixed rate for their home loan.

pg. 3
 SATISFACTION LEVEL

From the above graph it interprets the satisfaction level of the services in this only 16%
people are highly satisfied with the home loan services. While 40% people are average
satisfactory and 38% people are satisfied with the services and remain are dissatisfied with
the services. So, in the Indian people are not satisfied from the home finance mark.

pg. 4
 LOAN AMOUNT

From the above graph it interprets about loan amount from its 48% people are taking 5-10
lakh amount of home loan and 42% take 1-5 lakh loan amount so, most of the people take 5-
10 lakh loan amounts from the bank.

pg. 5
 PROBLEM FACING WHILE TAKING LOAN

From the above graph it interpret what are the problem facing by the respondent so , 58%
people facing problem of lack of knowledge i.e. awareness of the services and 26% people
face the problem of procedural delay mans that the process of the loan passing is very time
consuming and complex .So we can say that more number of people are not aware about the
facility provided by the bank because of lack of knowledge.

pg. 6
 AGE OF RESPONDENT

From the above graph it interprets that the age of respondent from them 38% people's age is
between is 35-5 28% people's age is between 25-35 and 26% people's age is 45-55 and
remaining is above 55 above. So we can say that more numbers of people's age is between
35-45.

pg. 7
 GENDER OF RESPONDENT

From the above graph it interprets the gender of the respondent from that 72% people are
male and 28% people are female .So we can say that highest number of people is male.

pg. 8
 OCCUPATION OF THE RESPONDENT

From the above graph it interprets that occupation of the respondent from that 50% people
are salaried i.e., they are doing job. 26% people are self-employed and 16% people are
professional and remaining 8% are in other occupation. So, we can say that those who are
doing job and salaried those all-person preferred home loan.

pg. 9
 INCOME OF RESPONDENT

From the above graph it interprets the income level of the respondent from that 50% people 's
income is between 2-4 lakh and 24% people's income is between 4-6 lakh,16% people's
income is 6 lakh and the remaining 10% people's income is below 2 lakhs. So, we can say
that person taken loan that all number of people's income is between 2-4 lakh and a smaller
number of people's income below 2 lakhs.

pg. 10
 BI-VARIANT ANALYSIS

The above graph is interpreting the relationship between two variable gender and satisfaction
level. So, in average satisfactory level male are 17 and female are only 3 so high level of
difference is in average satisfactory level between male and female and in dissatisfactory
male are 2 and female are only 1 so very less difference in dissatisfactory so very a smaller
number of people are dissatisfied with their services.

pg. 11
 GENDER AND LOAN AMOUNT

Above graph is interpret that the relationships between loam amount and gender. 18 male and
6 female have taken loan of Rs. 5-10 lakh. While 14 male and 7 female have took loan of Rs.
1-5 lakh. And only 2 males have taken loan of Rs. More than 10 lakhs. so, we can say that a
greater number of male take loan of Rs. 5-10 lakh.

PROBLEM WHILE TAKING LOAN & OCCUPATION

pg. 12
From the above graph interpret it relationship between occupation and facing problem while
taking loan.16 salaried person facing problem of lack of knowledge. While 3 salaried persons
facing problem procedure delay and non – cooperation. 9 self- employed people facing
problem of lack of knowledge and 4 self – employed people facing problem of procedural
delay. So we can say that salaried person face problem of lack of knowledge more than the
professional person. And only 4 self- employed people face the problem of procedural delay.

INCOME LEVEL AND INTEREST RATE

pg. 13
Above graph interpret it the relationship between income level and interest rate. 12 persons
are pay fixed rate whose income is 2-4 lakh, while 13 people pay floating rate whose income
is 2-4 lakh so there is little difference. Whose income above 6 lakh those people preferred
fixed rate 7. Person pay fixed rate whose income is 4-6 lakh.

INCOME LEVEL AND LOAN AMOUNT

pg. 14
Above graph interpret the relationship between loan amount and income level 14 people have
taken loan of Rs. 1-5 lakh whose income is 2-4 lakh.

SATISFACTION LEVEL AND GENDER

pg. 15
GENDER AND LOAN AMOUNT

pg. 16
OCCUPATION AND PROBLEM

pg. 17
INCOME LEVEL AND INTEREST RATE

pg. 18
INCOME LEVEL AND LOAN AMOUNT

pg. 19
pg. 20
(4.1) SBI Home Finance Ltd.
ALANCE SHEET OF SBI HOME MAR MAR MAR MAR MAR  
FINANCE (in Rs. Cr.) 08 07 06 05 04

  12 12 12 12 12  
months months months months months

EQUITIES AND LIABILITIES  

SHAREHOLDER'S FUNDS  

Equity Share Capital 15.00 15.00 15.00 15.00 15.00  

TOTAL SHARE CAPITAL 15.00 15.00 15.00 15.00 15.00  

Reserves and Surplus - - - - -  

309.56 291.32 286.64 265.66 245.35

TOTAL RESERVES AND SURPLUS - - - - -  

309.56 291.32 286.64 265.66 245.35

TOTAL SHAREHOLDERS FUNDS - - - - -  

294.56 276.32 271.64 250.66 230.35

NON-CURRENT LIABILITIES  

Long Term Borrowings 0.00 0.00 0.00 0.00 0.00  

Deferred Tax Liabilities [Net] 0.00 0.00 0.00 0.00 0.00  

Other Long Term Liabilities 0.00 0.00 0.00 0.00 0.00  

Long Term Provisions 0.00 0.00 0.00 0.00 0.00  

TOTAL NON-CURRENT LIABILITIES 0.00 0.00 0.00 0.00 0.00  

CURRENT LIABILITIES  

Short Term Borrowings 236.64 0.00 0.00 0.00 0.00  

Trade Payables 0.00 0.88 0.98 1.09 1.69  

Other Current Liabilities 69.82 292.20 291.15 270.46 258.06  

Short Term Provisions 0.02 0.01 3.98 3.98 4.02  

pg. 21
TOTAL CURRENT LIABILITIES 306.47 293.09 296.10 275.52 263.77  

TOTAL CAPITAL AND LIABILITIES 11.91 16.78 24.46 24.87 33.42  

ASSETS  

NON-CURRENT ASSETS  

Tangible Assets 0.48 0.48 0.48 0.48 1.27  

Intangible Assets 0.00 0.00 0.00 0.00 0.00  

Capital Work-In-Progress 0.00 0.00 0.00 0.00 0.00  

Other Assets 0.00 0.00 0.00 0.00 0.00  

FIXED ASSETS 0.48 0.48 0.48 0.48 1.27  

Non-Current Investments 0.00 0.00 0.00 0.00 0.00  

Deferred Tax Assets [Net] 0.00 0.00 0.00 0.00 0.00  

Long Term Loans And Advances 0.00 0.00 0.00 0.00 0.00  

Other Non-Current Assets 0.00 0.00 0.00 0.00 0.00  

TOTAL NON-CURRENT ASSETS 0.48 0.48 0.48 0.48 1.27  

CURRENT ASSETS  

Current Investments 0.00 0.00 0.00 0.00 0.00  

Inventories 0.00 0.00 0.00 0.00 0.00  

Trade Receivables 0.00 0.00 0.00 0.00 0.00  

Cash And Cash Equivalents 11.27 16.16 10.51 10.42 17.06  

Short Term Loans And Advances 0.17 0.14 13.47 13.97 15.10  

Other Current Assets 0.00 0.00 0.00 0.00 0.00  

TOTAL CURRENT ASSETS 11.44 16.30 23.98 24.38 32.15  

pg. 22
TOTAL ASSETS 11.91 16.78 24.46 24.87 33.42

(4.2) ICICI Bank Ltd.

BALANCE MAR 22 MAR 21 MAR 20 MAR 19 MAR 18  
SHEET OF ICICI
BANK (in Rs.
Cr.)

  12 months 12 months 12 months 12 months 12 months  

EQUITIES AND  
LIABILITIES

SHAREHOLDER'  
S FUNDS

Equity Share 1,389.97 1,383.41 1,294.76 1,289.46 1,285.81  

Capital

TOTAL SHARE 1,389.97 1,383.41 1,294.76 1,289.46 1,285.81  

CAPITAL

Revaluation 3,195.66 3,093.59 3,114.87 3,044.51 3,003.19  

Reserve

Reserves and 165,659.93 143,029.08 112,091.29 104,029.40 100,864.37  

Surplus

Total Reserves 168,855.59 146,122.67 115,206.16 107,073.91 103,867.56  

and Surplus

TOTAL 170,511.97 147,509.19 116,504.41 108,368.04 105,158.94  

SHAREHOLDER
S FUNDS

Deposits 1,064,571.6 932,522.16 770,968.99 652,919.67 560,975.21  

1

Borrowings 107,231.36 91,630.96 162,896.76 165,319.97 182,858.62  

Other Liabilities 68,982.79 58,770.37 47,994.99 37,851.46 30,196.40  

and Provisions

TOTAL CAPITAL 1,411,297.7 1,230,432.6 1,098,365.1 964,459.15 879,189.16  

AND 4 8 5
LIABILITIES

pg. 23
ASSETS  

Cash and 60,120.82 46,031.19 35,283.96 37,858.01 33,102.38  

Balances with
Reserve Bank of
India

Balances with 107,701.54 87,097.06 83,871.78 42,438.27 51,067.00  

Banks Money at
Call and Short
Notice

Investments 310,241.00 281,286.54 249,531.48 207,732.68 202,994.18  

Advances 859,020.44 733,729.09 645,289.97 586,646.58 512,395.29  

Fixed Assets 9,373.82 8,877.58 8,410.29 7,931.43 7,903.51  

Other Assets 64,840.12 73,411.21 75,977.67 81,852.17 71,726.80  

TOTAL ASSETS 1,411,297.7 1,230,432.6 1,098,365.1 964,459.15 879,189.16  

4 8 5

OTHER  
ADDITIONAL
INFORMATION

Number of 5,418.00 5,266.00 5,324.00 4,874.00 4,867.00  

Branches

Number of 105,844.00 98,750.00 99,319.00 86,763.00 82,724.00  

Employees

Capital Adequacy 19.16 19.12 16.11 16.89 18.42  

Ratios (%)

KEY  
PERFORMANCE
INDICATORS

Tier 1 (%) 18.35 18.06 14.72 15.09 15.92  

Tier 2 (%) 0.81 1.06 1.39 1.80 2.50  

ASSETS  
QUALITY

pg. 24
 Gross NPA 33,294.92 40,841.42 40,829.09 45,676.04 53,240.18  

Gross NPA (%) 4.00 8.00 6.00 7.00 0.00  

Net NPA 6,931.04 9,117.66 9,923.24 13,449.72 27,823.56  

Net NPA (%) 0.81 2.10 1.54 2.29 5.43  

Net NPA To 1.00 2.00 2.00 2.00 5.00  

Advances (%)

CONTINGENT  
LIABILITIES,
COMMITMENTS

Bills for Collection 75,150.83 54,643.42 48,216.24 49,391.99 28,588.36  

Contingent 3,867,675.8 2,648,640.6 2,523,825.8 1,922,038.2 1,289,244.0  

Liabilities 7 7 0 9 0

State Bank of India (SBI) is India's largest bank in terms of assets, deposits, and branches. As
of March 31, 2021, SBI's total assets were INR 43.81 trillion (approximately USD 584
billion), and its total deposits were INR 34.52 trillion (approximately USD 460 billion). SBI's
net profit for the financial year 2020-21 was INR 20,410 crore (approximately USD 2.7
billion).

On the other hand, ICICI Bank is India's second-largest private sector bank. As of March 31,
2021, ICICI Bank's total assets were INR 16.89 trillion (approximately USD 225 billion), and
its total deposits were INR 9.81 trillion (approximately USD 131 billion). ICICI Bank's net
profit for the financial year 2020-21 was INR 16,192 crore (approximately USD 2.2 billion)

pg. 25
5. Conclusion

The conclusion is that the service provided by ICICI is better than SBI based on the interest
rate and both the banks have to implement new technology to reduce the process time of
loans which leads to satisfaction of customers in future period of time.

Through this study the various variables identified are financial basics are behind drop in
home cost, interest rate plays an important role, paper work, decrease in profitability,
awareness among the prospective customers, poor are not getting the budgetary help, re-
arrangement of housing policy of government, service quality, speed of providing services
and implementations of schemes should match the economic
profile of the borrowers.

In our study we came to know that many people taken loan and most of the people have taken
loan from the SBI. Home loans have long period when compare to other personal loans and
other loans. So peoples are confused to take a home loan. Even though the interest rates are
high peoples are willing to take a loan from SBI banks. For disbursement process is also it
will take long time so, many people face the problem of procedural delay. Finally, the whole
research was carried out in a systematic way to reach at exact results. The whole research and
findings were based on the objectives. However, the study had some limitations also such as
lack of time, lack of data, non-response, and reluctant attitude and illiteracy of respondents,
which posed problems in carrying out the research. But proper attention was made to carry
out research in proper way and to make accurate conclusion for the home loan which may
beneficial for banks to enhance their customer base.

pg. 26
6. REFERENCES

1. Naik (1981)
2. Thirumann. R.M. (1981)
3. Parekh (1988)
4. Rangarajan (1988)
5. Narasimham Committee (1991)
6. Spencer (1991)
7. Mathurn (1993)
8. Boyd (1994)
9. Kulkarni (1995)
10. Godse (1996)
11. Usha Patel (1996)
12. Pillai Kalathil, S.R. (1996)
13. Talwar (1996)
14. Fanning (1997)
15. Ojha (1998)
16. Karthik. G. (1998)
17. Leelamma Kuruvilla (1999)
18. Dr. Rangarajan C (1999)
19. Havin, Kauppi (2000)
20. Vidhayavathi. K (2002)
21. Sendhilvelan and Karthikeyan (2007)
22. Kerry D (2008)
23. Naveen Shetty and Dr.Veerashekharappa (2009)
24. Kumar and Gulati (2010)
25. Goyal and Joshi (2011)
26. Rajesh K. Yadav, (2012)

pg. 27
27. Anil Kumar Goyal and Praveen Kumar, (2013)
28. B. K. Das and Dr. D. K. Das, (2013)
29. Dr. S. Vijayalakshmi and Dr. M. Arun (2014)
30. Dr. P. Srinivasan, (2015)
31. Ramesh Kumar, (2015)
32. Dr. Mohd. Imran and Dr. Sabiha Anees, (2015)
33. Dr. Usha Rani and Dr. Vijayalakshmi, (2015)
34. Vijay Kumar and Dr. K. V. K. Prasad, (2015)
35. Dr. Suresh Kumar and Dr. Ravi Kant Sharma, (2016)
36. Dr. Shweta Bhardwaj and Dr. Gagan Deep Sharma, (2016)
37. Dr. C. N. Ravikumar and Dr. K. Padmavathy, (2017)
38. G. Nirmala Devi and Dr. B. P. Rajini, (2017)
39. Dr. P. R. Singh and Dr. P. K. Singh, (2017)
40. Dr. Vikas Choudhary and Dr. Manoj Kumar, (2018)

pg. 28
7. BIBLOGRAPHY

The content where I find the information.

https://homeloans.sbi/
https://www.icicihfc.com/
https://www.bankbazaar.com/

pg. 29