A

Summer Training Report

ON

“ DISBURSEMENT OF PERSONAL LOAN OF SHRIRAM CITY

UNION FINANCE LTD.”

Submitted for partial fulfillment of requirement for the award of degree

Master of Business Administration

CHHATTISGARH SWAMI VIVEKANAND TECHNICAL UNIVERSTY BHILAI(C.G.)

Submitted by
KOMAL LAHOTI
MBA 3rd Section A
Subject Code: 576322(76)
Session 2015-17

Guided By, Approved By,

Prof. Imran Nadeem Siddiqui Dr. Reshma Shrivastava
Dean, DIMAT
Faculty of Management

FACULTY OF MANAGEMENT
DISHA INSTITUTE OF MANAGEMENT AND TECHNOLOGY
Approved by AICTE
(Disha Education Society)
Satya Vihar, Vidhansabha-Chandrakhuri Marg, Mandir Hasaud, Raipur (C.G.) 492007
 ACKNOWLEDGMET

The hard work and struggle and effort that we have made to complete this
project give me immense satisfaction. This project is incomplete without
thanking the people who helped and guided me throughout this project.

We acknowledge my debt to those who have contributed significantly to the

project. Gratitude to

Who have me the opportunity to do this project.

We express my deep sense of Gratitude to my guide, DR. IMRAN NADEEM

SIDDIQUI faculty of DIMAT RAIPUR in management department, for
this timely inspiration, valuable guidance for me throughout this project and
gave me valuable suggestion junction I would like to thank MR.SONU
DUBEY, for their kind co-operation and valuable suggestion till the completion
of this project.

We would like to thanks staff of SCUF for providing their co-operation. And
most importantly their guidance and support that made us do really well.

Regret any inadvertent omission.

 DECLARATION

I the undersigned solemnly declare that the report of the project work entitled
A PROJECT REPORT ON DISBURSEMENT OF PERSONAL LOAN OF
SHRIRAM CITY UNION FINANCE LTD, is based my own work carried out
during the course of my study under the supervision of Prof. Imran Nadeem
Siddiqui.

I assert that the statements made and conclusions drawn are an outcome of the
project work. I further declare that to the best of my knowledge and belief that the
project report does not contain any part of any work which has been submitted for
the award of any other degree/diploma/certificate in this University or any other
University.

___________________
(Signature of the Candidate)
Name of the Candidate: Komal Lahoti
Roll no.:5057615068
Section: A
 CERTIFICATE BY INTERNAL GUIDE

This to certify that the report of the project submitted is the outcome of the
project work entitled A PROJECT REPORT ON DISBURSEMENT OF PERSONAL
LOAN OF SHRIRAM CITY FINANCE LTD. carried out by KOMAL LAHOTI bearing
Roll No. 5057615068 & Enrollment No.: AS2742 Carried by under my guidance
and supervision for the award of Degree in Master of Business Administration of
Chhattisgarh Swami Vivekananda Technical University, Bhilai (C.G), India.

To the best of the my knowledge the report

i) Embodies the work of the candidate him/herself,

ii) Has duly been completed,
iii) Is up to the desired standard for the purpose of which is submitted.

(Signature of the Guide)

Name: Prof. Imran Nadeem Siddiqui

Designation: Faculty of Management

 CERTIFICATE BY EXAMINERS

This to certify that the report of the project submitted is the outcome of the
project work entitled A PROJECT REPORT ON DISBURSEMENT OF PERSONAL
LOAN OF SHRIRAM CITY UNION FINANCE LTD. carried out by KOMAL LAHOTI
bearing Roll No.: 5057615068 & Enrollment No.: AS2742 Carried by under my
guidance and supervision for the award of Degree in Master of Business
Administration of Chhattisgarh Swami Vivekananda Technical University, Bhilai
(C.G), India.

To the best of the my knowledge the report

i) Embodies the work of the candidate him/herself,

ii) Has duly been completed,
iii) Is up to the desired standard for the purpose of which is submitted.

Name and Signature of Internal Examiner Name and Signature of External

Examiner

Approved By
Dr. Reshma Shrivastava
Dean, DIMAT
 CONTENT

Sr. No. PAGE NO.

1. EXCUTIVE SUMMARY 1-2

2. OBJECTIVE OF THE STUDY 3-4

3. HISTORY OF NON BANKING FINANCE COMPANY (NBFC) 5-6

4. ORGANISATION POFILE 7-22

5. DIBURSEMENT PROCESS OF PERSONAL LOAN 23-25

6. RESEARCH METHOLOGY 26-30

7. DATA INTERPRETATION 31-35

8. STUDY FINDINGS 36-37

9. SUGGESTIONS 38-39

10. CONCLUSION 40-41

ANNEXURE
Chapter-1
Summary
Executive Summary

The Objective Of The Project Is To View The “Disbursement Of personal

Loans” In Shriram City Union Finance Co. Ltd. (Scuf)

Therefore The Project Is Based On The Information Collected From The

Sales Manager And Marketing Manager Of The Company. The Project
Aims To Study The Disbursement Procedure Used By The Company For
The personal Loans. The Project Deals In Understanding That How The
Menforce Are Working Efficiently In The Company. The Project Provides
Knowledge In The Aspect Of Work People Do At The Organization For
Attainment Of Organizational Goals .It Includes The Problem Face By The
Company And The People During The Disbursement Process The
Hindrance In The Path Of Loan Distribution At The Sales Point . Then An
Analysis Is Drawn Based On Firstly, The Face To Face Discussion With Sales
Manager And Marketing Manager And Secondly From The Data Obtained
From The Questionnaire Duly Filled In By The Customer And The
Respective Persons In The Company.

It Reflect The View Point Of The Company’s Managers And The Company’s
Workforce That Is Analysis With The Help Of Graphs And Pie- Charts That
Help In Forming An Understanding That How Effective Disbursement Is
Done In Shriram City Union Finance Co. Ltd (Scuf)
Chapter-2
Objective
Objective Of The Study

o To know the awareness of customers about personal loan.

o To know the process of financing personal loan.

o To know the criteria for financing personal loan.

o Documentation for personal loan.

o Interpretation of customers income satement.

 CHAPTER-3

HISTORY OF NON BANKING FINANCE COMPANY (NBFC)

HISTORY

Non banking financial companies (NBFCs) form an integral part of

the Indian financial system. The history of NBFC industry in India is a
story of under regulation followed by over regulation. Policy makers have
swung from one extreme position to another in their attempt to set control
and then restrain them so that they do not curb the growth of the industry.

Non banking financial companies or NBFCs in India are registered

companies conducting business activities similar to regular banks. Their
banking operations include making loans and advance available to
consumers and businesses, acquisition of marketable securities, leasing of
hard assets like automobiles, hire purchase and insurance business.

Though they are similar to banks. They differ in a couple of ways. NBFC’s
cannot accept demand deposit (deposit that can be withdrawn at immediate
notice), they cannot issue checks to customers and the deposits with them
are not insured by the DICGC (the India equivalent of FDIC in the US
system). Either the RBI (Reserve Bank of India) or the SEBI (Securities
and exchange board of India) or both regulate NBFC’s

Though the NBFC’s have been around for a long time, they have recently
gained popularity amongst institutional investors, since they facilitate
access to credit for semi rural and rural India where the reach of traditional
banks has traditional banks has traditionally been poor.
 Chapter-4

Profile Of The Organisation

Shriram Group

The 76,000 Cr Shriram Group Had Its Humble Beginnings

In The Chit Fund Business Over Three Decades Ago In Chennai. Mr. R.
Thyagarajan, Mr.A.V.S. Raja And Mr. T. Jayaraman Were The “Three
Musketeers” Who Ventured Into These Businesses. Not Many In The
Financial Services Industry Thought At The Time That This Small Chit Fund
Business In Chennai Would Become The Foundation For The Financial
Conglomerate That Shriram Is Today.

Shriram Group’s Businesses Strive To Serve The Largest Number Of

Common People Through Its Pioneering And Customised Financial
Services. For More Than 3 Decades The Tireless Efforts For Facilitating
Financial Access To Small And Medium Entrepreneurs Through Loans And
Chits Has Carved A Niche For The Shriram Group In South India.
• Shriram Capital Limited (Scl) Is The Overarching Holding Company For The
Financial Services And Insurance Entities Of The Shriram Group. Shriram
Capital Was Created With The Primary Objective Of Optimizing Synergies
Across Group Companies, Apart From Playing A Significant Role In The
Risk Management And Leadership Development Of These Entities.

Scl Is The Main Promoter Of The Two High-Growth Listed Companies Of

Shriram Group, Namely Shriram Transport Finance Company Ltd, The
Largest Asset Financing Company In India, And Shriram City Union Finance
Ltd, A Leader In Retail Finance Across A Wide Range Of Products. Scl Is
Also The Promoter Of Shriram Life Insurance Company Ltd, And More
Recently, Shriram General Insurance Ltd, Shriram Fortune Solutions,
Shriram Insight Share Brokers And Shriram Wealth Management. Scl’s
Main Role Is To Promote These Companies, Induct And Strengthen
Leadership Teams, Provide Strategic Inputs And Direction To Help And
Nurture Them To Grow Into Large And Profitable Enterprises.
On A Consolidated Basis, Scl Has An Overall Customer Base Of 7.5 Million,
35,000 Employees Across 2,800 Offices, With Assets Under Management
(Aum) Of Around Us$ 11 Billion.

Board Of Directors
• Sri DebendranathSarangi, Chairman, Non Executive, Independent.
• Sri DuruvasanRamachandran, Managing Director &Ceo - Executive, Non
Independent
• Sri GopalasamudramSrinivasaraghavanSundararajan, Director - Non
Executive, Non Independent
• Sri GerritLodewyk Van Heerde, Additional Director - Non Executive, Non
Independent
• Sri KhushruBurjorJijina, Director - Non Executive , Non Independent
• Smt Maya S Sinha, Director, Non Executive, Independent
• Sri PranabPrakashPattanayak, Director - Non Executive, Independent
• Sri RanvirDewan, Director - Non Executive, Non Independent
• Sri Shashank Singh, Director – Non Executive, Non Independent
• Sri Subramaniam Krishnamurthy, Director - Non Executive, Independent
• Sri VenkataramanMurali, Director - Non Executive, Independent

Shriram City Union Finance

Type Private

Industry Non Banking Finance Corporation

Founded 1st January 1986

Founder(S) Mr. Ramamurthy Thyagarajan,

Headquarters Chennai, India

Area Served Worldwide

Key People Mr. Ramamurthy Thyagarajan, ( Group

 Chairman)

Revenue Us$ 460 Millions

Net Income Us$ 67 Millons

Parent Shriram Group

Employees 18692

Shriram City Union Finance (Shriram City) Was Established In 1986, And Is
Part Of The Three Decade-Old Shriram Group. As A Deposit-Accepting
Non-Banking Financial Company (Nbfc), Shriram City Is Today India’s
Premier Financial Services Company Specializing In Retail Finance. The
Consumer Finance Business Of The Group Had Its Origins From The Needs
Of The Chit Funds Customers And Was Started In Year 2002 As A Separate
Business Unit, Shriram City Union Finance Ltd.

Shriram City Has A Comprehensive Range Of Offerings Comprising Finance

For Two Wheelers And Three Wheelers, Four Wheeler Finance (Both New
And Pre-Owned Passenger And Commercial Vehicles), Personal Loans,
Small Business Loans, And Loan Against Gold. This Has Made Shriram City
A Dominant Player In The Field And The Only Nbfc To Offer Such A Wide
Range Of Products Under One Roof.
With Over 1000 Business Outlets Across India, Shriram City Is Listed On
The Bse, Nse, Madras Stock Exchanges And Enjoys A High Credit Rating.
Shriram City Union Finance Leverages On The Shriram Group’s Ecosystem
To Reach Out To Prospective Customers And Shriram City Union Finance’s
Customer Base Over The Years Has Significantly Comprised Of Customers
Of Other Entities In The Shriram Group.

But What Very Few People Know Is That This Performance To A Very
Large Extent Is Fuelled By The Often Uncelebrated And Unacknowledged
Small Businesses. The Micro Small And Medium Enterprises Generate
Large-Scale Employment And Contribute Significantly To The
Manufacturing Output, Exports And Gdp.Yet, They Often Do Not Get Any
Support From The Highly Restrictive And Formalised Channels Of Finance.

At Shriram City Union Finance (Shriram City), We Are Proud To Partner

The Growth Of Small Businesses With A Dynamic Vision And A Credible
Track Record Of Two To Three Years.

Fy 2015-16 Saw Us Taking Multiple Initiatives To Serve The Underserved

Entrepreneurship.

We Strengthened Our Customer-Centricity And Tailored Products To The

Real And Relevant Needs Of Our Target Segments.
We Reinforced Our Internal Governance Framework To Enhance Process
Efficiency And Minimise The Risk Profile.

We Adopted Technologies That Are Contemporary And Attuned To The

Needs Of A Dynamic Business Scenario.

We Sharpened The Capabilities Of Our Teams To Make Them More

Productive And Prepared For The Future.

We Also Conducted Various Need-Based Programmes For The

Community.

We Believe Our Niche Focus On The Small Enterprises Finance Space Will
Act As A Force Multiplier Of Value Creation In An Expanding Economy.

Group Strength
Shriram Group Is One Of The Largest Financial Conglomerates Having
Significant Presence In Small Enterprises Financing, Commercial Vehicle
Financing Business, Retail Finance, Life And General Insurance, Stock
Broking, Chit Funds And Distribution Of Financial Products, Such As Life
And General Insurance Products And Units Of Mutual Funds. Besides, The
Group Is Also Present In Businesses Such As Property Development,
Engineering Projects And Information Technology. Shriram Capital Limited
(Scl) Is The Holding Company For The Financial Services And Insurance
Entities Of The Shriram Group, Created With The Primary Objective Of
Optimising The Synergies Across The Group’s Entities.
Our Vision
Serving The Underserved. Creating Value At The Bottom Of The Pyramid.

Our Mission
Striving To Serve The Largest Number Of Common People Through Quality
Non-Banking Financial Services.

Our Values
 Being Trustworthy: Ensuring That The Shriram
City Brand Continues To Be Among The Most
Trusted In India.
 Being Responsive: Disseminating Affordably
Priced Financial Services To Customers And
Locations Most In Need Of Them, In A Timely
Manner.
 Being Creative: Customising Product Offerings
And Solutions To Meet Customers’
Requirements.
 Building Relationships: Fostering Long-Term
Relationships With Customers And The
Community At Large.
 Encouraging Entrepreneurship: Supporting The
Efforts Of Small Business Owners To Prosper And
To Think Big.
Value Creation Is A Rewarding Journey
2007
 Introduces Loan Against Gold
2008
 2nd Preferential Allotment To Private Equity Investors @ `400/- Per
Share
2010
 Net Worth Reaches `1,000 Crores; Launches Housing Finance
Subsidiary
2011
 Successfully Launches Follow-On Debt Public Issue. Shriram Housing
Commences Lending Operations. Shriram City Is Rated India’s
Largest Small Enterprise Finance Company In The Small Loans
Segment By Frost And Sullivan
2012
 Social Audit Report Generated And Released By The Then Hon’ble
Finance Minister Of India. Report Shows How The Community Of
Shriram City’s Customers Have Benefited By The Company’s
Manner Of Doing Business
2013
 Completes 25 Years In Business; Launches A Maiden Debt Public
Issue. Shriram Housing Finance Ltd. Attracts Private Equity
Investment
2015
Cfo Of The Company Wins The ‘Best Performing Cfo In The Nbfc Sector’
Award From The Tv Channel Cnbc Tv18
2016
 Shriram City Becomes The Largest Financier Of Two Wheelers In
The Country, Based On Volume.
Direct Connect
 At Shriram City, Our Access To Potential Customers Happens
Largely Through Direct Contact At Dealer Showrooms In The Case
Of Four Wheelers And Two Wheelers. The Field Executives Develop
Good Relationships With Showroom Dealers; And Also Offer
Customers In-Depth Insight Into Our Products.
 For Other Loans, The Client Base Is Built Through Face-To-Face
Follow-Ups With Customers, Through References; And Also More
Importantly Through Various Lead Generation Methodologies.

Customer Relationship
 Our Sales Team Maintains A Commendable Customer Base, And
Long-Standing Relationships With A Diverse Customer Cross-Section. Our
Customers Often Seek The Advice Of Our Sales Team For Buying Products.
Our Team Interacts With Existing Customers On The Field About Once In
Two Months At Least, Either To Update Some Information On The Scheme
Or For Providing Additional Services During The Period.
 Our Offerings

• Personal Loan

The Personal Loan Is Just What You Need To Address Your Diverse
Financial Needs It Is A Loan Which Helps People In Getting Financial
Support Without Any Hassles. Shriram City Union Finance Offers Personal
Loans To Customer Segment That Do Not Have Easy Access To Bank And
Similar Institute For Speedy Short Of Medium Finance Shriram City Union
Finance Provides Personal Loans To Its Existing And Old Customer As Well As
Customer Of Other Shriram Group Entities
• MSME Loan-
Shriram City Union Finance Started Offering Customized Loans To The
Small Enterprise Segment In 2006, And Since Then, Has Continually
Focused On Widening Its Customer Base For This Product. The Small
Enterprises Segment Comprises Of Self-Employed Professionals,
Wholesale And Retail Dealers, Merchants, Builders, Small And Medium
Scale Manufacturing Concerns, Catering Services, Tour Operators, Etc.
Loans Are Customized To Suit The Requirements Of The Customers After
Having Assessed And Understood Their Business Model.

• Two Wheeler Loans

Shriram City Union Finance Currently Offers Various Options For

Financing The Purchase Of Two Wheeler Vehicles Across Manufacturers
And Brands. A Widespread Presence In Dealer Showrooms, And With
Preferred Finance Tie-Ups With All Two Wheeler Brands In India Have
Given Shriram City Union Finance A Distinct Edge In Segment. Shriram City
Union Finance Executives Man Dealer Showrooms With A Dedicated Team
To Clear Proposals, Making It The Quickest And Most Efficient Financing
Option A Customer Can Ask For.

• 4 wheeler Loans

Shriram City Union Finance Offers A Variety Of Loans To Finance The

Purchase Of New And Pre-Owned Passenger And Commercial Vehicles.
This Includes Three Wheelers, Four Wheelers, Used And New Cars.
 Shriram City Union Finance Principally Targets The Financing Of New
Passenger And Commercial Vehicles. Shriram City Union Finance’s
Executives Are Stationed At The Showrooms Of Various Passenger And
Commercial Vehicle Dealers. They Are Responsible For Every Stage Of The
Loan, Right From Bringing In The Customer, Credit Verification And Loan
Origination To Recovery Of The Loan.

• Home Loans

Shriram Housing Finance Ltd. (Shfl) Is A Housing Finance Company, And Is

Also A Subsidiary Of Shriram City Union Finance. Shfl Is Registered With
The National Housing Bank, And Commenced Its Lending Operations From
December 2011 Onwards.

Shfl Is Headquartered In Mumbai And Has A Pan India Presence. The

Company Offers Several Innovative Mortgage Products To Provide
Financial Assistance To Prospective Homeowners Who Remain
Underserved Even Today.

ELIGIBILITY CRITERIA OF PERSONAL LOAN-

Eligibility

 Age - 18 to 59 years of age

 Salaried and Self Employed individuals
Basic Product Features

 No Cheque bounces in Bank statements

 Repayment through Equated Monthly Installments
 Declaration of existing loan commitments
 Should be employed for a minimum period of 1 year. In case of self
employment - 2years
 Should be in the same residence for a minimum period of 1 year
 Minimum Tenor - 12 Months Maximum Tenor 36 months - Scheme
based
 For minimum income criteria, please do visit our nearest branch

Documents Required

 Valid Identity Proof - as per RBI norms

A valid Identity Proof will be any one of the following

o Passport
o Driving Licence
o Voter ID Card
o Aadhar Card
o PAN Card
 Valid Address Proof - as per RBI norms

A valid address Proof will be any one of the following

o Passport
o Driving Licence
o Ration Card
o Gas Bill with Gas book
 Minimum Tenor - 12 Months Maximum Tenor 36 months - Scheme
based
 Income Proof Documents
 Bank Statement for last 6 months
 Post Dated Cheques and Electronic Clearing Mandates
 Legal Documents as stipulated by Shriram City Union Finance Limited
 Collateral Security as advised by Shriram City Union Finance
 Any other document as advised by Shriram City Union Financ
 Interest and Charges

 Based on the schemes selected by the borrower

 CHAPTER-5

DISBURSEMENT PROCESS OF PERSONAL LOAN

 FILE ENQUIRY

LOGIN AT BRANCH

(COLLECTION OF ALL KYC DOCUMENTS )

CIBIL IF CIBIL FILE REJECT

NEGATIVE

IF CIBIL POSITIVE

COLLECTION OF DOCUMENT

ALL FINANCIAL DOCUMENTS

INCLUDING GUARANTORS

 SALARY SLIP
 FORM NO.16
 SIX MONTH BANK
STATEMENT
 3 YRS ITR’S WITH TAX
CHALLAN
 OTHER INCOME
DOCUMENT(WITH
PROOF)
 SHOP ACT LICENSE
 BUSINESS ACTIVITY
PHOTO
 SIGNATURE
VERIFICATION FORM

FI AND TVR
 IF POSITIVE

FILE SENT TO CPU

COMPLETE CPU QUERY

AGREEMENT GENERATION
BY SYSTEM DEPT.

FOR DISBURSEMENT AT
ACCOUNTS
 Chapter 6

Research Methodology
Research

Research Is An Unbiased, Structured, And Sequential Method Of

Enquiry, Directed Towards A Clear Implicit Or Explicit Objective. This
Enquiry Might Lead To Validating Existing Postulates Or Arriving At New
Theories And Models.

Research Methodology: -

Research Methodology Is A Way To Systematically Solve The

Research Problem.

Research Problem:-

A Research Problem, In General, Refers To Some Difficulty

Which A Researcher Experiences In The context Of Either A Theoretical Or
Practical Situation And Wants To Obtain A Solution For The Same.

Research Design

A Research Design Is Master Plan Or Model For The Conduct Of Formal

Investigation. Once The Formal Investigation Is Decided, The Researcher
Must Formulate The Formal Plan Of The Investigation. A Research Design
Is The Specification Of Methods & Procedure, For Acquiring The
Information Needed For Solving The Problem. For This Project,
Exploratory And Descriptive Research Is Applicable. Since, Is A Type Of
Research Conducted For A Problem That Has Not Been Clearly Defined?
Exploratory Research Helps Determine The Best Research Design, Data
Collection Method And Selection Of Subjects.
Exploratory Research

Exploratory Research Often Relies On Secondary Research Such As

Reviewing Available Literature And/Or Data, Or Qualitative Approaches
Such As Informal Discussions With Consumers, Employees, Management
Or Competitors, And More Formal Approaches Through In-Depth
Interviews, Focus Groups, Projective Methods, Case Studies Or Pilot
Studies. All Research Projects Must Start With Exploratory Research. This
Is A Preliminarily Phase And Essential In Order To Obtain A Proper
Definition Of The Problem And Hand.

Descriptive Research

Descriptive Research Includes Survey And Fact, Findings Inquiries Of

Different Kinds. The Major Purpose Of Descriptive Research Is Description
Of The State Of Affairs As It Exists At Present. This Method Is That
Researcher Has No Control Over The Variable He Can Only Report What
Has Happened And What Is Happening.
 Data Collection

Data Is The Base On Which The Superstructure Of Investigation Is Made.

Collection Of Data Is The Most Important Function .The Success And
Failure Of Investigation Mainly Depends Upon The Quality Of Data, The
Data Available In Marketing Research Are At Either Primary Data Or
Secondary Data.

The Study Are Inclusive Of Data Collected From The Following Sources
Primary Data

The Source From Which The Information Is Gathered For The First Time Is
Known As Primary Source And The Information Thus Generated Is Called
Primary Data. Primary Data Collected Through Face To Face Interaction
With Customer Of The Life Insurance Company By Meeting Them In
Personal.

Secondary Data

Data Which Are Not Directly Collected But Rather Obtained From The
Published Or Unpublished Sources Are Called Secondary Data. Secondary
Data Used For:

 Internet
 Magazines
 Broacher
 Library
Research Plan

Research Design: Descriptive

Research Method Used Observation

Research Technique Used Interview &Questionnaire

Sample Size 100

 Chapter 7

Data Analysis And Interpretation

Q1. Do You Require A Loan ?

TW FW

13%

87%

The Market For Loan Is At Peak.

Q2. Which Loan Would U Prefer?

The Loan
Preferne For Tow Wheeler Loan Is Higher

Q.3 Are U An Existing User Of SCUF?

TW FW

13%

87%

There Are Many Existing Customers Who Are Repeating Loans From Scuf

Q.4. Rate Your Views Towards PERSONAL Loan In Scale Of 4

The People Are Partly Aware About PERSONAL Loans

Q5. Do You Recommend Any One From Your Family Or Friend For Loan
Purpose?

FW
13%

TW
87%
The Recommendation Percentage Is Average For Loan Suggestion In
Family And Friend

Q6. Would U Prefer Scuf For PERSONAL Loan In Future?

TW FW

13%

87%

The Preference Of People Towards Scuf In Terms Of Sme Loan Is Positive

Q7. Which Are Other Investment Opportunities You Would Prefer?

TW FW PL SME

15%

10%

10%
65%
The Government Bank (Sbi) Finance Are Facing Cut Throat Competion In
Finance Sector

Q8. Which Products Of Scuf Are Better Than Other Finance Companies?

SME
15%
PL
10%

FW
10% TW
65%

The People Are More Interested Towards Two Wheeler Finance By Scuf
 Chapter 8

Findings

Findings:

 THE TW LOAN OF SCUF IS MUCH POPULAR AMONG PEOPLE

 THE PEOPLE ARE INTERESTED TOWARDS PERSONAL LOAN
 MANY PEOPLE ARE DISSATISFIED FROM SCUF’S INTEREST RATE
 THE SCUF IS ACTING LIKE A BACKBONE FOR THE SMALLER SECTOR
TO RISE
Chapter 9

Suggestion
Suggestion

 THE SCUF NEED TO RAISE ITS POPULARITY AMONG THE BUSINNESS

PEOPLE
 THE INTEREST RATE OF SCUF IS REQUIRED TO BE REVIEWED
 SCUF REQUIRES TO IMPROVISE ITS SALES POINT SERVICES
 SCUF REQUIRES TO FOCUS TOWARDS THE CUSTOMER SERVICES
Chapter 10

Conclusion
Conclusion: -

The Conclusion Of The Project Arrives To The Point That The Scuf
Has Many Offerings Which Makes Him Lead The Finance Market And The
Customers Are Also Partly Satisfied. The Msme Loan Is Such A Product
Which Is Rising In The Market And The People Are Getting Aware Towards
It.

The Knower Day Business Men Are Swtiching Towards PERSONAL Loans
For The Business AND SALARY Commencement.
 REFRENCES
BIBLIOGRAPHY
(C R KOTHARI, 2011)

DR. PHILIP KOTLER (RETAIL MANAGEMENT)

JOURNALS

MAGZINES

WEBIOGRAPHY

RBI.GOV.IN

SHRIRAMCITY.COM
 ANNEXURE

NAME: ___________________

AGE: __________

MOBILE NO. _______________

OCCUPATION: ______________

Q1. DO YOU REQUIRE A LOAN?

Yes □ NO □

Q2. WHICH LOAN WOULD U PREFER?

TW □ FW □ PL □ MSME □

Q.3 ARE U AN EXISTING CUSTOMER OF SCUF?

YES □ NO □

Q.4. RATE YOUR VIEWS TOWARDS PERSONAL LOAN IN SCALE OF 4

1□ 2□ 3□ 4□

Q5. DO YOU RECOMMEND ANY ONE FROM YOUR FAMILY OR FRIEND FOR
LOAN PURPOSE?

YES □ NO□
Q6. WOULD U PREFER SCUF FOR PERSONAL LOAN IN FUTURE

YES □ NO □

Q7. Which products of SCUF are better than other FINANCE Companies?

o TWO WHEELER □
o FOUR WHEELER □
o PERSONAL LOAN □
o MSME LOAN □

Q8. Which are other investment opportunities you would prefer?

o SBI □
o HDFC BANK □
o AXIS BANK □
o ICICI BANK □