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1.3. Need of The Study: It Has Been Felt Wry Useful in Future - To Study The Roles The

The document discusses the need and scope of a study on home loan lending. The need is to understand staff roles, decision making, systems, financial aspects, risk assessment, and collateral valuation related to home loans. The scope is limited to home loan products and lending processes at a specific branch of State Bank of India for the financial years 2008-2009 to 2010.

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VINAY BETHA
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68 views1 page

1.3. Need of The Study: It Has Been Felt Wry Useful in Future - To Study The Roles The

The document discusses the need and scope of a study on home loan lending. The need is to understand staff roles, decision making, systems, financial aspects, risk assessment, and collateral valuation related to home loans. The scope is limited to home loan products and lending processes at a specific branch of State Bank of India for the financial years 2008-2009 to 2010.

Uploaded by

VINAY BETHA
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as DOCX, PDF, TXT or read online on Scribd
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1.3.

NEED OF THE STUDY


It has been felt wry useful in future —

>To study the roles of the staff and the decision making processes in lending to the home
loan borrowers.

>To learn and comprehend thoroughly the systems and Procedures used in
financing the segment.

>To analyze the issues relating to various financial aspects of lending.

>To calculate the risk involved and how the risk and uncertainty to be assessed and

managed by the hank while lending the home loans.

>To study the valuation of collateral security method followed by hank while
lending the home loans.

1.4. SCOPE OF THE STUDY

o The present study is confined to Home loan products offered by the

domestic operations of State Hank of India.

eor The study is also confined to the internal functional and operational
aspects of the lending process

The data collected here. is specific to:


The selected branch as said before.

The time period cowring the financial years: FY08 -09-0 I FY10. The

data and the information could be collected here has been taken from the

record books maintained by the branch and from the oral communication with

the branch manager.

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