Index
Sr. No. Particulars Page No.
1 Chapter 1
1.1 Introduction 2
1.2 Company Profile 6
2 Chapter 2
Literature Review 12
3 Chapter 3
3.1 Research Methodology 17
3.2 Hypothesis 18
3.3 Research Design 19
3.4 Need of Study 20
3.5 Objective of Study 21
3.6 Scope of Study 22
3.7 Limitation of Study 23
Sr. No. Particulars Page No.
4 Chapter 4
24
4.1 Data Analysis & Interpretation
5 Chapter 5
5.1 Findings 37
5.2 Conclusion 38
5.3 Suggestions 39
Bibliography 40
Questionnaire 41
1.2 COMPANY PROFILE:
⁎ ICICI Bank is a leading private sector bank in India.
⁎ ICICI Bank Limited is an Indian Multi-National Bank and Financial Services
Company with its corporate office in Mumbai, Maharashtra.
⁎ The Bank’s consolidated total assets stood at Rs.14.76 trillion
tillseptember,2020.
⁎ ICICI Bank has currently a network of 5,288 branches and 13,875 ATM sacross
India.
⁎ ICICI was formed in 1955 at the initiative of the World Bank, the Governmentof
India and representatives of Indian industry.
⁎ The principal objective was to create a development financial institution for
providing medium-term and long-term project financing to Indian businesses.
⁎ As India’s economy became more market-oriented and integrated with the world
economy, ICICI capitalized on the new opportunities to provide a widerrange of
financial products and services to a broader spectrum of clients.
⁎ ICICI Bank was incorporated in 1994 as a part of the ICICI group. In 1999, ICICI
became the first Indian company and the first bank or financial institutionfrom non-
Japan Asia to be listed on the New York Stock Exchange.
Evolution of Home Loan
Home Loan plays a vital role as an engine of equitable economic growth through the reduction
of poverty and prevents slum proliferation in economy. The demandfor housing is
increasing rapidly day by day. Therefore, to meet with the growing housing demand is the
aim of the government. To achieve this aim, it is required to provide the loan for housing to the
4.1 DATA ANALYSIS AND INTERPRETATION
Percentage Analysis
Table 1: Gender
Gender No.of Percentage
Respondents
Male 60 60%
Female 40 40%
Source: Primary Data
INTERPRETATION:
From the above table,it is found that 60% of respondents are Males andremaining 40%
are females.
Chart 1: Gender
Gender
Male
Female
Table 2: Occupation
Occupation No.of Percentage
Respondent
Govt.Employee 18 18%
Private Employee 37 37%
Self-Employed 23 23%
Professional
Self Employed Non- 14 14%
Professional
Unemployed 8 8%
Source: Primary Data
INTERPRETATION:
From the above table,it is found that majority of 37% of respondents arefrom
private employee.
Chart 2: Occupation
Govt.Emp
Private Emp
Self-Emp Prof
Self-Emp Non-Prof
Unemployed
Table 3: Income
Income No.of Respondents Percentage
Below 2Lakhs 15 15%
2-6 Lakhs 23 23%
6-12 Lakhs 37 37%
Above 12Lakhs 25 25%
Source: Primary Data
INTERPRETATION:
From the above table,it is found that 15% of respondents receive incomebelow
2lakhs ,23% of respondents receive 2-6 lakhs, 37% of respondents receive
income 6-12lakhs and 25% of respondents receive above 12lakhs.
Chart 3: Income
Below 2 Lakhs
2-6 Lakhs
6-12 Lakhs
Above 12Lakhs
Table 4: Type of House
Type of No.of Respondents Percentage
House
Individual Villa 81 81%
Flats 19 19%
Source: Primary Data
INTERPRETATION:
From the above table,it is found that 81% of respondents are in
individual villa and remaining 19% are in flats.
Chart 4: Type of House
Type of House
Individual
Villa
Flats
Table 5: Category of House
Category of No.of Respondents Percentage
House
Own House 70 70%
Rental House 30 30%
Source: Primary Data
INTERPRETATION:
From the above table,it is found that 70% of respondents are in own
house and remaining 30% are in rental house.
Chart 5: Category of House
Category of House
Own
House
House
Table 6: Ownership
Ownership No.of Respondents Percentage
Parents 36 36%
Spouse 32 32%
Relative 8 8%
24 24%
Source: Primary Data
INTERPRETATION :
From the above table,it is found that 36% of respondents owner is their
parents,32% of respondents owner is their spouse , 8% of respondentsowner is
their relatives and 24% of respondents owner is others.
Chart 6: Ownership
Parents
Spouse
Relative
Others
Table 7: Primary Bank
Primary Bank No.of Respondent Percentage
ICICI Bank 65 65%
HDFC Bank 10 10%
Axis Bank 7 7%
Govt.Sector Banks 18 18%
Source: Primary Data
INTER PRETATION:
From the above table,it is f ound that 65% of respondents primary bank isICICI
Bank,10% of respondents in HDFC Bank ,7% of responde nts in Axis Bank and
18% of respondents in Govt.Sector Banks.
Chart 7 : Primary Bank
IC ICI Bank
HDFC Bank
Axis Bank
Govt.Sector Bank
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Department of Management Sciences and Resear ch,
G. S. College of Commerce and Economics,
amravati
Table 8: Prefered Bank for Home Loan
Prefered Bank for No.of Respondents Percentage
Home Loan
Primary Bank 65 65%
Other Bank 35 35%
Source: Primary Data
INTERPRETATION:
From the above table,it is found that 65% of respondents prefer theirprimary
bank and 35% of respondents prefer other banks.
Chart 8: Prefered Bank for Home Loan
Prefered Bank for Home Loan
Primary Bank
Other Bank
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Table 9: Status of Home Loan
Status of Home No.of Respondents Percentage
Loan
Primary Bank 90 90%
Other Bank 10 10%
Source: Primary Data
INTERPRETATION :
From the above table,it is found that 90% of respondents are new homeloan
customers and remaining 10% are existing home loan customers.
Chart 9: Status of Home Loan
Construction Loan Buying Flat/House
Balance Transfer HL Land Loans PMAY
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Table 11: Repayment Tenure
Repayment Tenure No.of Respondent Percentage
5-10years 30 30%
10-20 years 65 65%
30 Years 5 5%
Source: Primary Data
INTERPRETATION :
From the above table,it is found that majority of 65% prefer repayment
between 10-20years.
Chart 11: Repayment Tenure
5-10 Years
10-20 Years
30 Years
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Table 12: Extension Loan
Extension Loan No.of Respondent Percentage
Repursion and 35 35%
Renovation
Additional Extended 65 65%
Loan
Source: Primary Data
INTERPRETATION:
From the above table,it is found that majority of 65% prefer additional
extended loan.
Chart 12: Extension Loan
Repursion and Renovation Additional Extn.Loan
Source: Primary Data
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