PREFACE

Modern organizations are highly complex ad dynamics systems. Theyoperate

under very turbulent social economic and political environment.They are required
to reconcile several incompatible goals. Conflicting rolesand divergent interest
they are also fraught with the use risk anduncertainties, hence tactful management
of such organization to plan toexecute guide, coordination and control the
performance of people toachieve predetermined goals. Management has to keep
the organizationvibrant moving and in equilibrium. It has to achieve goal which
themselvesare changing it is therefore a problem highly complex and ticklish.This
information will be asset to marketing manager inmaking effective decisions. The
researches are used toacquire and analyse information and to make suggestions
tomanagement as to how marketing problems should be solved.The marketing
research is the process which links tomanufacturer, dealers and individuals through
information inimportant part of curriculum of M.B.A. programme is projecttaken
by the students to institute under which he or she isstudying, after completion of
third semester of the programme.The objective of this project is to enable the
students tounderstand the application of the academics in the real business life. I
am fully confident that this project report will be extremely useful to the
management.





TABLE OF CONTENTS
Acknowledgement
Preface
CHAPTER 1: Overview of banking industry in India
CHAPTER 2: A Saga of Banking Excellence in Banking(PUNJAB NATIONAL
BANK)
CHAPTER 3: Performance of the PNB
CHAPTER 4: Organisational Structure
CHAPTER 5: Home Loan
CHAPTER 6: PNB Home Loan
CHAPTER 7: Suggestions & Troubleshooting Tips
CHAPTER 8: Bibliography







TYPES OF BANKS
BANKS IN INDIA
OVERVI EW OF BANKI NG I NDUSTRY I N I NDI A
The major participants of the Indian financial system are thecommercial banks, the
financial institutions (FIs), encompassing term-lending institutions, investment
institutions, specialized financial institutionsand the state-level development banks,
Non-Bank Financial Companies(NBFCs) and other market intermediaries such as
the stock brokers andmoney-lenders. The commercial banks and certain variants of
NBFCs areamong the oldest of the market participants. The FIs, on the other hand,
arerelatively new entities in the financial market place.Bank of Hindustan, set up in
1870, was the earliest Indian Bank .Banking in India on modern lines started with
the establishment of three presidency banks under Presidency Bank's act 1876 i.e.
Bank of Calcutta,Bank of Bombay and Bank of Madras. In 1921, all presidency
banks wereamalgamated to form the Imperial Bank of India. Imperial bank carried
outlimited central banking functions also prior to establishment of RBI. Itengaged
in all types of commercial banking business except dealing inforeign
exchange.Reserve Bank of India Act was passed in 1934 & Reserve Bank of India
(RBI) was constituted as an apex bank without major governmentownership.
Banking Regulations Act was passed in 1949. This regulation brought Reserve
Bank of India under government control. Under the act,RBI got wide ranging
powers for supervision & control of banks. The Actalso vested licensing powers &
the authority to conduct inspections in RBIIn 1955, RBI acquired control of the
Imperial Bank of India, which wasrenamed as State Bank of India. In 1959, SBI
took over control of eight private banks floated in the erstwhile princely states,
making them as its100% subsidiaries.RBI was empowered in 1960, to force
compulsory merger of weak banks with the strong ones. The total number of
banks was thus reduced
from 566 in 1951 to 85 in 1969. In July 1969, government nationalised 14 banks
having deposits of Rs.50 crores & above. In 1980, governmentacquired 6 more
banks with deposits of more than Rs.200 crores. Nationalisation of banks was to
make them play the role of catalytic agentsfor economic growth. The Narsimham
Committee report suggested wideranging reforms for the banking sector in 1992 to
introduce internationallyaccepted banking practices.The amendment of Banking
Regulation Act in 1993 saw the entry of new private sector banks.Banking
Segment in India functions under the umbrella of ReserveBank of India - the
regulatory, central bank. This segment broadly consistsof:Commercial; BanksCo-
operative Banks
Commercial Banks
The commercial banking structure in India consists of:

Scheduled Commercial Banks

Unscheduled BanksScheduled commercial Banks constitute those banks which
have beenincluded in the Second Schedule of Reserve Bank of India(RBI) Act,
1934.RBI in turn includes only those banks in this schedule which satisfy
thecriteria laid down vide section 42 (60 of the Act. Some co-operative banksare
scheduled commercial banks albeit not all co-operative banks are. Beinga part of
the second schedule confers some benefits to the bank in terms of access to
accomodation by RBI during the times of liquidity constraints. Atthe same time,
however, this status also subjects the bank certain conditionsand obligation
towards the reserve regulations of RBI. This sub sector can broadly be classified
into:1.Public sector
2.Private sector 3.Foreign banks.
CO-OPERATIVE BANKS
There are two main categories of the co-operative banks.(a)
Short term lending oriented co-operative Banks
- within thiscategory there are three sub categories of banks viz state co-
operative banks, District co-operative banks and Primary Agricultural co-operative
societies.(b)
Long term lending oriented co-operative Banks
- within thesecond category there are land development banks at three levels
statelevel, district level and village level.The co-operative banking structure in
India is divided into followingmain 5 categories:
(Visit us again for details of each category)
1. Primary Urban Co-op Banks:2. Primary Agricultural Credit Societies:3. District
Central Co-op Banks:4, State Co-operative Banks:5. Land Development Banks:
BANKS IN INDIA
s
S. N.
Public Sector Banks
Private SectorBanksForeign Banks
1.2.3.4.5.6.7.8.9.10.1112.13.14.15.16.17.18.19.20.21.Allahabad Bank Andhra
Bank Bank of BarodaBank of IndiaBank of MaharashtraCanara Bank Central Bank
of IndiaCorporation Bank Dena Bank Indian Bank Indian Overseas Bank Oriental
Bank of CommercePunjab and Sind Bank
Punjab National Bank
Syndicate Bank UCO Bank Union Bank of IndiaUnited Bank of IndiaVijaya
Bank IDBI Bank Bank of Punjab Ltd.Centurion Bank Ltd.Development Credit
Bank Ltd.HDFC Bank Ltd.ICICI Bank Ltd.IndusInd Bank Ltd.Kotak Mahindra
Bank Ltd.UTI Bank Ltd.Yes Bank LtdBank of Rajasthan Ltd.Dhanalakshmi Bank
Ltd.Federal Bank LtdING Vysya Bank Ltd.Jammu and Kashmir Bank
Ltd.Karnataka Bank LtdKarur Vysya Bank LtdRatnakar Bank LtdSBI Commercial
andInternational Bank LtdSouth Indian Bank LtdUnited Western Bank LtdABN-
AMRO Bank N.VAbu Dhabi Commercial Bank LtdAmerican Express Bank
Ltd.BNP ParibasCitibank N.ADBS Bank LtdHSBC Ltd.Standard Chartered Bank







ABOUT PUNJAB NATIONAL BANK

HISTORY OF PNB

VISION & MISSIONA SAGA OF EXCELLENCE IN BANKING
Established in 1895 at Lahore, undivided India, Punjab National Bank (PNB) has
the distinction of being the first Indian bank to have been startedsolely with Indian
capital. The bank was nationalized in July 1969 along
with 13 other banks. From its modest beginning, the bank has grown in sizeand
stature to become a front-line banking institution in India at presentA
professionally managed bank with a successful track record of over
110years.Largest branch network in India - 4668 Offices including 238
ExtensionCounters spread throughout the country.Strategic business area covers
the large Indo-Genetic belt and themetropolitan centres.Ranked as 248th biggest
bank in the world by Bankers Almanac, London.Strong correspondent banking
relationships with more than 217 international banks of the world.More than 50
renowned international banks maintain their Rupee Accountswith PNB.Well
equipped dealing rooms; 20 different foreign currency accounts aremaintained at
major centres all over the globe.Rupee drawing arrangements with M/s UAE
Exchange Centre,
UAE,
M/s AlFardan Exchange Co. Doha,
Qatar
, M/s Bahrain Exchange Co,
Kuwait,
M/sBahrain Finance Co,
Bahrain
, M/s Thomas Cook Al Rostamani Exchange
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Co.
Dubai, UAE,
and M/s Musandam Exchange,
Ruwi, Sultanate of Oman.
ABOUT PUNJAB NATIONAL BANK
With over 38 million satisfied customers and 4668 offices, PNB hascontinued to
retain its leadership position among the nationalized banks.
The bank enjoys strong fundamentals, large franchise value and good brandimage.
Besides being ranked as one of India's top service brands, PNB hasremained fully
committed to its guiding principles of sound and prudent banking. Apart from
offering banking products, the bank has also entered thecredit card & debit card
business; bullion business; life and non-lifeinsurance business; Gold coins & asset
management business, etc.Since its humble beginning in 1895 with the distinction
of being the firstIndian bank to have been started with Indian capital, PNB has
achievedsignificant growth in business which at the end of March 2009 amounted
toRs 3, 64,463 crore. Today, with assets of more than Rs 2, 46,900 crore, PNBis
ranked as the 3rd largest bank in the country (after SBI and ICICI Bank)and has
the 2nd largest network of branches (4668 including 238 extensioncounters and 3
overseas offices).During the FY 2008-09, with 39% share of low cost deposits, the
bank achieved a net profit of Rs 3,091 crore,maintaining its number ONE position
amongst nationalized banks. Bank hasa strong capital base with capital adequacy
ratio as per Basel II at 14.03%with Tier I and Tier II capital ratio at 8.98% and
5.05% respectively as onMarch09. As on March09, the Bank has the Gross and
Net NPA ratio of only 1.77% and 0.17% respectively. During the FY 2008-09, its
ratio of priority sector credit to adjusted net bank credit at 41.53% &
agriculturecredit to adjusted net bank credit at 19.72% was also higher than
therespective national goals of 40% & 18%.PNB has always looked at technology
as a key facilitator to provide better customer service and ensured that its IT
strategy follows the Businessstrategy so as to arrive at Best Fit. The bank has
made rapid strides in thisdirection. Along with the achievement of 100% branch
computerization, oneof the major achievements of the Bank is covering all the
branches of the
Bank under Core Banking Solution (CBS), thus covering 100% of its business and
providing Anytime Anywhere banking facility to allcustomers including
customers of more than 2000 rural branches. The bank has also been offering
Internet banking services to the customers of CBS branches like booking of tickets,
payment of bills of utilities, purchase of airline tickets etc. Towards developing a
cost effective alternative channelsof delivery, the bank with more than 2150 ATMs
has the largest ATMnetwork amongst Nationalised Banks.With the help of
advanced technology, the Bank has been a frontrunner inthe industry so far as the
initiatives for Financial Inclusion is concerned.With its policy of inclusive growth
in the Indo-Gangetic belt, the Banksmission is Banking for card based
technology enabled Financial Inclusionwith the help of Business
Correspondents/Business Facilitators (BC/BF) soas to reach out to the last mile
customer. The BC/BF will address theoutreach issue while technology will provide
cost effective and transparentservices. The Bank has started several innovative
initiatives for marginalgroups like rickshaw pullers, vegetable vendors, diary
farmers, constructionworkers, etc. The Bank has already achieved 100% financial
inclusion in21,408 villages.Backed by strong domestic performance, the bank is
planning to realize itsglobal aspirations. In order to increase its international
presence, the Bank continues its selective foray in international markets with
presence in HongKong, Dubai, Kazakhstan, UK, Shanghai, Singapore, Kabul and
Norway. Asecond branch in Hong Kong at Kowloon was opened in the first week
of April09. Bank is also in the process of establishing its presence in
China,Bhutan, DIFC Dubai, Canada and Singapore. The bank also has a joint
venture with Everest Bank Ltd. (EBL), Nepal. Under the long term vision,Bank
proposes to start its operation in Fiji Island, Australia and Indonesia.Bank
continues with its goal to become a household brand with globalexpertise.Amongst
Top 1000 Banks in the World, The Banker listed PNB at 250th place. Further,
PNB is at the 1166th position among 48 Indian firms makingit to a list of the
worlds biggest companies compiled by the US magazineForbes.




HISTORY OF PUNJAB NATIONAL BANK
1895-
PNB established in Lahore by
Lala Lajpat Rai
.
1904-
PNB established branches in Karachi and Peshawar.
1939-
PNB acquired Bhagwan Dass Bank Limited.
1947-
Partition of India and Pakistan at Independence. PNB lost its premises in Lahore,
but continued to operate in Pakistan.
1960-
PNB amalgamated Indo-Commercial Bank Limited(established in 1933) in a
rescue.
1961-
PNB acquired Universal Bank of India.
1963
- The Government of Burma nationalized PNB's branch inRangoon (Yangon).
1965
- After the Indo-Pak war the government of Pakistan seized allthe offices in
Pakistan of Indian banks, including PNB's headoffice, which may have moved to
Karachi. PNB also had branches in East Pakistan (Bangladesh).
1969-
The Government of India nationalized PNB and 13 other major banks on 19th July,
1969.
1978-
PNB opened a branch in London.
1988-
PNB acquired Hindustan Commercial Bank Limited in arescue.
1993-
PNB acquired New Bank of India, which the Government of India had nationalized
in 1980.
1998-
PNB set up a representative office in Almaty, Kazakhstan.
2003
-PNB took over Nedungadi Bank (established the bank in1899), the oldest private
sector bank in Kerala. It wasincorporated in 1913 and in 1965 had acquired
selectedassets and deposits of the Coimbatore National Bank. At thetime of the
merger with PNB, Nedungadi Bank's shares hadzero value, with the result that its
shareholders received no payment for their shares.
VISION
"To be a Leading Global Bank with Pan India footprints and become
ahousehold brand in the Indo-Gangetic Plains providing entire range
of financial products and services under one roof"

MISSION
"Banking for the unbanked
FINANCIAL PERFORMANCE OF PNB

AWARDS & RECOGNITION

PEST ANALYSIS








SWOT ANALYSIS
Financial Performance of the Bank
Punjab National Bank continues to maintain its frontline position retained its
NUMBER ONE
position among the nationalized banks in terms of number
of branches, Deposit, Advances, total Business, operating and net profit inthe year
2008-09. The impressive operational and financial performance has been brought
about by Banks focus on customer based business with thruston SME,
Agriculture, more inclusive approach to banking; better assetliability management;
improved margin management, thrust on recovery andincreased efficiency in core
operations of the Bank. The performancehighlights of the bank in terms of business
and profit are shown below:ParametersMar'07Mar'08Mar'09CRAR Operating
Profit*36174006574426.02 Net
Profit*15402049309141.67Deposit13986016645720976022.47Advance96597119
50215470326.55Total Business23645628595936446324.15(Rs.Crores)

Respective figure for the corresponding financial year
AWARDS & RECOGNITIONS
"Best IT Team of the Year Award"-
At the IDRBT Banking Technology awards for the year 2005-06.
SKOTCH Challenger Award-
For Change Management for the year 2005-06
Best IT User in Banking & Financial Services Industry 2004
By NASSCOM in partnership with Economic Times.
Golden Peacock Award-
For Excellence in Corporate Governance - 2005 by Institute of Directors.
FICCI's Rural Development Award-
For Excellence in Rural Development 2005
Skotch Challenger Award for Exemplary use of Technology
For becoming a pioneer in Public Banks 2005
Golden Peacock National Training - 2004 & 2005
By Institute of Directors
National Award for Excellence in SSI Lending
Ranked 2nd for 4 consecutive years - 2002, 2003, 2004 & 2005
Banking Technology Awards 2004 Runner up in 'Best IT Team of theYear
Award 2005'
Jointly Adjudged by IBA, Finical & TFCI
Money Outlook Award - 2004Runner up in 'Best Bank (public Sector) of the
year Award' 2005Niryat Band Hu Gold Trophy
For excellence in export performance for 3 consecutive years 2001, 2002 &2003
by Federation of Indian Exporters Organization (FIEO)

21st Amongst Top 500 Companies
By the leading Financial Daily the Economic Times, June 2005
9th amongst India's Top 50 Most Trusted
A.C Nielson Survey, The Economic Times Dec 2004
Service Brands 3rd Rank amongst Banking Sector in India 323rd Rank in the
World
The Bankers' Almanac, January 2006
368 amongst Top 1000 Global Banks
The Banker, London July 2005
PEST ANALYSIS
SWOT ANALYSIS
Objective
Analysis of
PNBStrength
s

Wide network

Large no. of customers

Fast adaptability totechnology

Brand recognition

Excellent Training
Weaknesses

Opportunities

Fast growingIndianeconomy

High growth in bankingsector

Liberal markets

Micro financing

Home to home banking services

Diversificationtowards other field

Globalization

Decentralizeddecision making

Awards &Incentives
Threats

Large no. of market players

Providing better services

Building long termcustomer relationships

Fast Decision making

Competitive edge

Changing culture26Prepared by:
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STRUCTURE OF THE ORGANISATION

HIERARCHY

MANAGEMENT OF PNB

ABOUT M.D. & CHAIRMAN SINCE INCEPTIONORGANISATIONAL
STRUCTURE
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Bank has its Corporate Office at New Delhi and supervises 58 CircleOffices under
which the branches function. The delegation of powers isdecentralised upto the
branch level to facilitate quick decision making.
HIERARCHY
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HEAD OFFICE
7 Bhikhai Cama Place New Delhi-110026CGM OFFICESCIRCLE
OFFICESBRANCHES

MANAGEMENT OF PNB
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Executive Director(ED)Chief General Managers (CGM)General Managers
(GM)Deputy GMAssistant GMChief ManagersSenior
ManagersManagersOfficersClerical/ SubordinatesChairman
Name DesignationM V Tanksale
Executive Director
Nagesh pyadh
Executive Director
Smt. Ravneet kaur
Govt. of India Nominee Director
L.M Fonseca
RBI Nominee Director
S. R. Khurana
Director rep. C.A. Category
P.K. Nair
Officer Employee Director
Mohan Lal Bagga
Workmen employee Director
Mushtaq A Antulay
Part time non Official Director
Gautam P. Kandelwal
Part time non Official Director
Vinod Kumar Mishra
Part time non Official Director
Tribhuwan Nath Chaturvedi
Share Holder Director
Devinder Kumar Singla
Share Holder Director
G R Sundaravadivel
Share Holder Director
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NAMES OF CHAIRMAN & MANAGING DIRECTORS ALONGWITH
THEIR TENURE SINCE THE INCEPTION OF PUNJABNATIONAL
BANK

Names of Chairman &Managing Director
S/Shri
Period
1Sardar Dyal Singh Majithia 1895 - 18982R.B. Lal Chand1898 19053Bhagat
Ishwar Dass1905 19104R.B. Lal Chand1911 19125R.B. Lala Sukh Dayal1912
- 19136Bhagat Ishwar Dass1913 - 19157Dr. Hira Lal1917 19208Lala Dhanpat
Rai1921 19319Dr. Maharaj Krishna Kapur1931 193710R.B. Dewan Badri
Das1938 - 194211Lala Yodh Raj1943 195312Shriyans Prasad Jain1953
195413Shanti Prasad Jain1954 195914Ram Nath Goenka1960
196415Kamalnayan Bajaj1964 196716Somesh Chandra Trikha1968
197217Prakash Tandon1972 197518T.R. Tuli1975 197719O.P. Gupta1977
198020S.L. Chopra1980 198121S.L. Baluja1981 198522J.S. Varshneya1985
198923Rashid Jilani1990 - 2000
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24S.S. Kohli2000 200525S.C. Gupta2005 - 200726Dr. K.C. Chakrabarty2007
2009

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FEATURES OF HOME LOAN

HOME LOAN INDIA

TYPES OF HOME LOAN

WHY TAKE A HOME LOAN

CHECK LIST FOR HOME LOAN

RBI DIRECTIVES FOR HOME LOAN
HOME LOAN
Home loans are provided based on the market value, mainly estimationgiven by
banks or the registration value of the property. Availing varioustypes of house
loans to suit your individual needs at the lowest rates & easyfinancing can now
fulfill the need for a house of your own.Home loan is not a one-time decision; do
review the market periodically before availing them. Today there are unlimited
numbers of banks in the
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country wanting to give out Home loans. Given this scenario, it may seemeasy
getting yourself a loan. But is it really??Buyers tend to make mistakes while
entering into deals, which may not be beneficial for them, so better compare all the
variables before signing a loanagreement by different banks. However the loan
agreement should befinalized only after reading the terms and conditions
carefully.You can apply for a Home loan even before you select your property.
Theloan amount would be sanctioned or approved for you, based on
your repayment capability.
Features of house loan:
Purpose: For purchase of house from builder / resale and construction /extension
of existing house. Loan amount: You can avail for Home loans need based
depending onyour eligibility, income and repayment capacity. Security: Home
loan is a secured loan wherein collateral are required.
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Loan tenor: The maximum loan tenure is 25 years.
Planning to avail a home loan, you must adhere underneath points:
Firstly, take your own time and evaluate your expenses and do a marketsurvey
about the property buying process. Buying a house, which is way beyond your
range, could affect you financially; banks help in financingyour dream home via
home loans.1.
Eligibility
Banks determine your eligibility based on your repayment capacity anddiscuss
about the loan amount up front. The eligibility for acquiring a homeloan is
augmented by clubbing income of your father/spouse/mother/son, byclearing your
outstanding debts, by stretching your loan tenure, Salariedindividuals can increase
their eligibility by showing their performance linkedincome or bonus
earned.Secondly, Do your own analysis and check the impact of your repayment
of home loan on your monthly expenditure, as a thumb rule, it

s recommendedto make sure the EMI of your home loan do not exceed more than
50% of your gross monthly income.2.
Interest rates
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An important factor that goes into your EMI calculations is the interestrates, which
may vary from bank to bank, so do compare them. Also do acomplete and detailed
analysis of the various options like the interest ratesi.e. fixed and floating rate of
interest.Thirdly, if two banks give you the same amount of loan but at
differentinterest rates do your math and work out what's best for you.a)
Fixed interest loans
Charge an interest, which remains the same through out the tenure of theloan. This
means that the consumer is immune to market risk or the possibleupward
movement in the interest rates.Hence, fixed rate is a good option when the interest
rates are expected tomove up in the future. b)
Floating rate loans
A consumer is exposed to market risk and his gain or loss depends on theinterest
rate condition prevailing in the market. Floating rate is beneficial if the interest rate
falls in the future. A floating rate is considered non-transparent and is also known
as 'adjustable rate'.Fourthly, if you decide to opt for a fixed rate loan, you can still
switch to afloating rate loan in the future and vice versa as and when rates go in
your favour and if you do decide to switch, you should take into account the costof
doing so and the interest rate benefits of switching.
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For a given interest rate, loan with a daily or monthly reducing balance is better
than an annual reducing balance loan. Interest rates vary depending onthe tenure of
the loan, the amount of the loan and your personal profile.3.
Insurance covers (an added cost)
Also, many banks may insist on getting your home insured to safeguard
their interest. There are various kinds of insurance covers available for you.
Apartfrom getting the mandatory ones you should try to get insurance as per
your circumstances. You also have a choice of getting insured from
another company without any objection from your bank.4.
Other costs
The interest rates and EMIs are not the only cost factor. Rs. 1350/documentation
charges and 0.90% + service tax. Processing fees, administrationfees, valuation
fee, legal fee, is to be paid when you apply for a loan and other fees paid at
closing.Make sure you work out as to how much these other costs add up to. So
eventhough the interest rate may be lower, it usually adds up to being expensive.
If the EMIs may come out a lot more than what you can afford on a monthly basis;
try to redo the math with changes in the tenure and loan amount (if possible).
5. Advance EMI
Advanced EMI is the number of equated monthly installments in the form of post
dated cheques, paid out in advance at the time of disbursement of loan.
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6. Document required
Most importantly, all deals and offers agreed upon are supported by
relevant papers. Self employed and salaried require different documents to
supportthe deal.So make sure you always ask for a letter on the banks letterhead
mentioningthe likes of, exact rate of interest, processing fees, pre-payment
chargesalong with interest-schedule.Before signing the documents, make sure you
recheck all terms andconditions.Do make sure you understand and agree with each
of the clauses in thedocuments. Do not sign any blank documents. Even if it takes
you a fewhours to fill-up the form, please do so.Do not leave anything for the
executive to fill-up. It's always better to get alegal opinion from someone on your
loan papers. Do not under anycircumstance give any false information. This may
amount to fraud andcould land you in trouble.
7. Penalties
Once you have received the loan do your best to pay it back asquickly as possible.
But this early payment might invite a pre-paymentclause.Banks make their money
off the interest they charge and the sooner you pay back a loan the less money you
will have to pay in interest. When it comes
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to Home loans, penalties are binding, like if you chose to pay up your entiremoney
before the tenure, a Pre-payment penalty is charged. So you shouldknow about
such penalties beforehand to avoid future misunderstanding between you and the
bank.
8. Home loan glossary
Confused in the
Home Loan
jargon? Our glossarywill help you in understanding the basic home loan related
terms. Browsethrough the glossary or search for a term through the menu to
resolve anydoubts.
Glossary of Home Loan termsABCDEFGHIJK LM NOPQR STUVWXYZ 9.
Acceptance Letter
Acceptance letter is the letter that a borrower or applicant provides onreading the
terms of the issue; and communicate his willingness to accept theloan by way of an
acceptance letter within a particular time frame whichvaries between 1-3 months
from the date of the sanction letter and also paythe requisite administrative fee.
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HOME LOAN IN INDIA
It is definitely one of the major things that you can board on in your lifetime. The
bad news is: however is that not everyone in this globe is likeyou, loaded enough
(financially, of course) to be able to build a house assoon as he wants to.Whether
you are Non Resident Indian or Resident of India, and you arethinking to start your
journey of buying a new house, looking to move to anew house, investing in
property or are looking forward to refinance,Consider answering these questions to
yourself:
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Which type of home loan should I prefer?

Will it be the best scheme that will be fitting my budget?

Can any insurance plan cover for an unpaid monthly due?

Is there a fine or penalty or even some reward as well if the wholeamount of loan is
paid ahead of the due date?These are just a dash of the questions to be answered
when consideringtaking the plungeinto the loan journey. The different home
loan types arehereby presented to you to make your journey that more smoother or
step bystep, safer and comfortable. Yet, Got a fix on fixed rate or variable
rates,offset accounts, lines of credit or bridging loans!!And we have covered the
basics of your journey here. Going back to youfuture house owner, have you got
the answers to your questions? Startanswering them now and take the plunge!With
so many real estates sites coming up in Indian market, finding an idealhouse isn't
that big a issue nowadays, when you can virtually see all acrossthe home you need
to purchase by the various real estate simulation programs and videos available,
but you still need to purchase it, right? - Toreally say "own" it. A home loan, also
popularly identified as a mortgage, isan easier financial option to own a house.
Once you've decided to endeavor on a home loan, there are so many things that
you need to be informed with. Not only is it going to be an emotional experience, it
is also going to be avery informative monetary journey, as you will be dealing with
the wholecaboodle of the mortgage process along the way.There are thousands of
home loan companies waiting to provide you withyour financial needs. Part of the
success of this whole financial move is
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partly in your hands, the greater part relies on the efficiency of your
chosenmortgage company.
TYPES OF HOME
LOAN
Owning a piece of land or property is a lifetime dream for everyindividual. There
are many home loans provider in the market to make your dream come true. But
before you opt for any home loan provider, you needto consider certain factors
related to property that you are interested in buying and also about the salient
features offered by a home loan provider and also study some Home Loans and
Home Insurance FAQs which helps inapplying a Home Loan in India.
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And the most important thing is you should know about each and every termrelated
with Home Loans before applying for a Loan. It is always advisableto consult a
home loan expert or consultant before applying for a home loanor purchasing a
property.You can take different types of home loans like Bridge Loans,
Homeconstruction Loans, Home Equity Loans, Home Extension Loans,
HomeImprovement Loans, Land Purchase Loans etc for different schemesavailable
in the market. There are different types of home loans tailored tomeet your needs.

Home Purchase Loans:
These are the basic forms of home loansused for purchasing of a new home.

Home Improvement Loans
: These loans are given for implementingrepair works, healing and renovations in a
home that has already been purchased.

Home Construction Loans:
These loans are available for theconstruction of a new home.

Home Extension Loans:
These loans are given for expanding or extending an existing home. For e.g.:
addition of an extra room etc.

Home Conversion Loans:
These loans are available for those whohave financed the present home with a
home loan and wish to purchase and move to another home for which some extra
funds arerequired. Through home conversion loan, the existing loan is
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transferred to the new home including the extra amount required,eliminating the
need of pre-payment of the previous loan.

Land Purchase Loans
: These loans are available for purchasing landfor both construction and investment
purposes.

Bridge Loans:
Bridge loans are designed for people who wish to sellthe existing home and
purchase another one. The bridge loans helpfinance the new home, until a buyer is
found for the home.
Why take a Home Loan?
What's an average middle class Indian's most cherished dream? A date inworld
trips in islands with Aishwarya Rai in complete solitude. This wouldseem to be the
answer from the maximum number of episodes of KaunBanega Crorepati (KBC),
despite recently of course, when she has decidedto change her fortunes first with
Abhishek!Jokes apart, purchasing and moving into a dream house would
generallyrank among the top three things on the wish list of most people. After all
itswhat been proved by Maslows Law of Hierarchy as well. That entire
househunting every few years, grumpy landlords, killing rents would be a thing of
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the past. Hey, you even get to use nails to hang your favorite paintings
and pictures. Dont you???Taking a home loan nowadays has become very
simpler. The RBI has beenregularly slashing interest rates, with the result that
housing finance loansthat came at an interest rate of 16.5% to 18% four years ago
are nowavailable at 11.5% to 13% or lower. Each year the Finance
Minister'sgenerosity during the Budget seems to be solely concentrated for the
housingsector and construction sector. The Budget 2000's allowed interest
paymentup to Rs 1 lakh and principal payment of Rs 20,000 to be exempted
fromincome tax. To top it all, the Housing Finance Companies (HFCs)
areaggressively wooing customers. Now, when the sun shines, its the best timeto
make hay. Isnt it?
Check list for Home Loans
If you have arrived here by the help of search engine, we pre assume thatyou are
seeking some home loans to purchase a home or on the look out for some
information related to Home loans or Home Loan Types or you mustread some
Home Loan Articles. Hereby, we present to you the
home loandocuments checklist
that you need to ensure is with you, before you applyfor a home loan. A basic
checklist for home buyers like proper and clear titleand correct proposition will
help you make a safe and informed purchase.There are other
home loan tools
like
calculators
suitably devised to assistyou.
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Confirmation of Income

If you are a salaried person, please provide two recent consecutive payslips or a
copy of your employment contract or a letter from your employer.

If you are self-employed, please provide copies of your last twoFinancial Accounts
as prepared by your accountant.

Appointment Letter

Salary Certificate

Retainer ship Agreement, if appointed as a consultant

FORM 16 issued by the employer in your name.

Last three years income tax returns duly filed and certified by theIncome Tax
Authorities

Similar Document -separately for each co-applicant.
Employment Proof


Identity card issued by your employer

Visiting card
Age Proof


Passport

Voter's ID card

PAN card

Ration card

Employer's Identity card

School leaving certificate
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Birth certificate
Residence Proof


Ration card

Passport

PAN card

Rent agreement, if you are staying currently on rent

Bank Pass book

Allotment letter from your company if you are residing in companyquarters.
Name Change Proof (If Applicable)
A copy of the official gazette b. A copy of a newspaper advertisement publicizing
the name change c. Marriage certificate
Investment Proof (If Applicable)


Bank statement for the last six months of all operating and salaryaccounts

Bank statements for the last six months of all current accounts, if self-employed.

Any other photocopies of investments held, if required by the Bank
Property Title Proof


Original Sale agreement with Builder/Developer duly registered,Registration
receipt
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Tripartite agreement from builder/developer

Land documents indicating ownership, e.g.- Photocopies of titledeeds, if applicable

A certificate by the legal advisor of the builder to the effect that the builder has a
good reputation and it is free from encumbrance andother charges.

A certificate from builder's Chartered Accountant certifying that the builder has not
mortgaged the property anywhere else.

Certified true copy of approved plan.

Copies of receipts of payments made to builder/developer.

Allotment letter

Possession letter

Lease agreement, if applicable (Property bought from a developmentauthority)

Mortgage deed if the Bank opts for a registered mortgage.

No Objection Certificate from the developer, society or developmentauthority as
applicable

Personal Guarantees, if applicable.

In case of alternate or additional security, documents for the samedepending upon
the security details.

For self-construction: Approved plans and clearance certificates alongwith
estimates

Post dated cheques for the EMIs.
Confirmation of Rental Income
Copy of the existing tenancy agreement, or a rental appraisal, from a localreal
estate agent signed by branch manager, or rental manager.
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Deposit or Investments

Evidence of your deposit or investment funds, i.e. a bank statement or term deposit
receipt.

For low equity loans (5-19% deposit), copy of your savings accountstatements
over the last six months.
Sale and Purchase Agreement

If you are planning to buy a property, please provide a copy of thesuccessful sale
and purchase agreement signed by both you and thevendor.

If you are planning to sell or have already sold your existing property, please
provide a copy of that property's sales and purchase agreement.
New Customer to the banks of India


If you are refinancing from another bank please provide copies of your loan
statements covering the last six months.

Please provide copies of your account statements covering the last sixmonths from
your current bank.

Please provide copies of your identification and if you have arrived inthe country
within the last 5 years, please provide a copy of your passport.
Government Valuation and rating System
A copy of the latest Government or Ratings Valuation is to be
provided.Depending on the age and value indicated in conjunction with the amount
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required to borrow, the Bank may require a Registered Valuation and your Banker
will advise you
New RBI Directive for Home Loans
The Reserve Bank of India (RBI) has in the latest directive asked the Indian banks
to be more "fair and transparent" while signing their agreements withthe
consumers. This has come following complaints from various consumer sections
regarding home loans.

It has emphasized on the fact that while giving a home loan, the banksshould not
tie their loans with their own prime lending rates (PLR)which often results in pro-
bank and against consumer interest.

Households should get credit counseling before signing any loanagreement. In
such case, banks should give credit counseling tocustomer before giving a loan.
Any non-governmental organizationcan also give independent credit counseling to
small borrowers.
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Consumers often complain of not receiving benefits of falling interestrates as
banks tie their floating rate loans with its PLR and even whenrates fall, the banks
kept the PLR unchanged. But when interest ratesare hiked, the banks increase the
benchmark rate, thus makingcustomers pay a higher rate and consequently increase
the number of EMIs too. The RBI has asked the banks to mend rules for the same.

Individual borrowers should ask for the exact tenure and EMI whiletaking a fixed
rate loan. The RBI has also resolved to look into allconsumer complaints if it is
bought to the regulator's notice.

The IRDA (insurance regulator) has powers to take action against banks if a
customer feels cheated while buying an insurance product.On its regulatory role,
the RBI is trying to maintain a balance betweenthe extent of freedom granted to the
banks and the objectives of governance.

RBI has made it mandatory for all banks - including private andforeign banks - to
offer a passbook to their customers with the addressand telephone number of the
nearest branch.
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Customers have often been harassed by banks' call centers where thereis no
accountability of the query made. The "do not call" registry hasalso been flouted
by banks as customers are bombarded withunnecessary product offerings. The RBI
has directed the Indian Banks'Association to come out with a single "do not call"
registry or when acustomer adds his name to a single bank registry it should then
stopunsolicited calls from all banks.

On rising credit card frauds and wrong statements given by the banks,the RBI has
asked the customers to approach the ombudsman toredress their problems. This
way the RBI feels would inculcate moreconsumer friendly practices among Indian
banks.
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Choosing the right home loan
If you are planning to buy home, you need to know about home loans processes,
troubleshooting and how to choose the right home loan for housethat falls within
your budget. There are various types of home loans offered by different financial
institutions. You need to figure out which type of homeloan is beneficial for you.
Types of Home Loans Available:


Home Equity Loans

Home Extension Loans

Home Improvement Loans

Home Purchase Loans

Land Purchase Loans

Mortgage LoansMany banks and financial companies offer home loans. But before
choosingany home loan option, consider few points as mentioned below.
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Property Types:
You should know more about type of property in lieu of which you seek loan.
There are loans offered by banks to Resident Indiansand NRIs for ready property,
under construction property, self-constructionand home improvement.
Loan Tenure:
The loans provided by financial institution are offered intenures or period of years.
You should check out the tenure for loansavailable in the market. There are loan
tenures available for upto 25 years.
Repayment Options
- You need to choose between fixed and floating ratehome loans. Many banks and
financial institutions will provide you with theoption of switching from a floating
rate home loan to a fixed rate home loanonce a year at no extra cost. But you need
to check out the facts first with theloan providing firm.
No Penalty option
- There are also no penalty option offered by few financecompanies. In this mode,
you can opt to pre-pay up to 25% of your loanevery year. Pre-payment is permitted
after a minimum of 6 months followingloan disbursal.
Tax Benefits
- You should know the right of your tax benefits on homeloans. Resident Indians
are eligible for certain tax benefits on principal andinterest components of a
housing loan under the Income Tax Act, 1961.##
List of Premium Banks Offering Home Loans:


ICICI Bank - ICICI Bank Home Loan

HDFC Bank - Adjustable Rate Home Loan

Bank of India - Star Home Scheme
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Standard Chartered - Home Assist

State Bank of India - SBI Unique Housing Scheme

Bank of Baroda - Housing Offer

Citibank- Building & Renovation of HouseAlways check with a financial home
loan expert or financing company tounderstand home loan processes and to avail
the best bargain on your home purchase.

ELIGIBILITY
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DOCUMENTATION

EXTENT OF LOAN

RATE OF INTEREST

REPAYMENT & SECURITY

FEATURES & CONDITIONS OF PNB HOMELOANPNB HOME LOAN
Punjab National Bank provides its customers with various Home loan policies and
features at highly competitive rates. They know the needs of theIndian customers
that they have to deal with, on a regular basis, and providethe policies accordingly.
The PNB Home Loan cater mainly to therequirement of the middle class
individuals of India, as Pnb itself is one of the leading public sector banks of the
nation.The PNB Home loans are very easily available, and have an even
easier process of repayment that is given over a prearranged time period.
This period of time is determined, when the PNB Home loans are being
finalizedand along with the loans, the buyers get the opportunity of having a
lifeinsurance covered against him. The basic grounds on which the PNB
Homeloans are provided are:

Extending, repairing, modification and even renovating of an alreadyexisting
building or flat.
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Purchase or building of a new house or flat.The basic interest of the PNB Home
loans may be around 9.5%, and the time period may vary from a minimum of 5
years to a maximum of 25 years.However there is a certain limitation of the loan
amount that an individualmay take from the bank. The maximum amount of the
loan amountsanctioned under PNB Home loans is need based. It generally takes
around7 days to process the PNB Home loans, from the day it has been
finalizedwith the bank.Apart from all these details, the PNB Home loans also
enable us to choose between fixed and floating rates that may be applicable from
time to time,and keep varying from one time period to another. As far as the
eligibility isconcerned, a person between the age group of 18 to 60 years may
bequalified to apply for the PNB Home loans. Along with this, it has also to
benoted that the annual income of the individual, who is applying for the loan,must
be greater than or equal to 1.2 Lac INR.
Eligibility

Age of the applicant must be less than 60 years.

Existing home loan borrower can also apply provided their loanaccount is regular
and no IR irregularity persist.
Documents Needed
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1.

Proof of identity

2. Proof of income3. Proof of residence4. Bank statement or Pass Book where
salary or income is credited.5. Education Certificate6. Photos7. Salary slip & form
168. Income tax return last 3 years along with balance sheets.9. Assets liabilities
statements.10. Documents of property.11. Estimate of construction.12. Guarantor
Freehold and Leasehold Property
1.The loan can be granted both for freehold and leasehold property.2.In case of
leasehold, loan can be granted on the basis of power of attorney basis from original
allotee where DDA/PUDA/HUDA permitconversion of leasehold into freehold
property otherwise advance is not permitted against plot purchased on Power of
Attorney basis.
Extent of loan

For construction/purchased of house/flat 75% of the cost of construction or
purchase of house/flat.

For carrying out repairs/renovation/additions/alternation: - 75% of theestimated
cost subject to maximum of Rs. 20 lacs.
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Loan upto Rs. 20 lacs for purchase of land/plot

Loan is available maximum upto Rs. 2 lacs for furnishing.
Margin
Land/Plot40%Construction/repair/addition25%
Rate of I nterest
(Effective from 1
st
May 2009 BPLR 11.00%)
Housing finance toIndividuals includingNRIS /Flexible HousingSchemeFixed
option for loansFloating option for loansUpto 20Lacs.Above 20Lacs.Upto
20lacs.Above 20Lacs.
(i) upto 5 years9.25%10.00%8.75%9.50%(ii) Above 5 years & upto10
years10.00%10.25%9.00%9.50%(iii) Above 10 years &upto 20
years10.50%10.75%9.25%9.75%(iv) Above 20 years &upto 25
years10.75%11.00%9.50%10.00%
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The interest rate can be fixed or floating

Option can be changed from fixed to floating and vice versa with flatcharges of 2%
fee on balance outstanding.

Fixed interest rate be reset after a block of 5 year in respect of loansdisbursed on or
after 1.08.2006
Documentation charges
Rs. 1350 + Service Tax
Upfront Fee
0.90% of the loan amount + Service Tax& Education Cess
Repayment


Maximum 25 years.

Installment can be fixed upto maximum age of 65 years.

The income of spouse and earning children can be taken intoaccount provided they
are made co-borrower.

Father/Mother can also be made co-borrower in cases property is insingle name of
his /her son and also clubbing of their income is permitted for determining
eligibility criteria.

Minimum 24 advance cheque should be obtained as and when, 6cheques remain,
fresh lot to be obtained out of 24, 23 cheques should be of the amount equal to the
balance.
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Loan is to be repaid in EMI within a period of 25 years or beforethe borrower
attains the age of 65 years.
Security

Equitable/Registered mortgage of immovable property.

Tripartite agreement be executed amongst Housing Board/ DevAuthority / Coop
Society / Builder the borrower and the bank wheremortgage cannot be created
immediately.

Equitable mortgage of other immovable property or pledge of NSCetc. upto 125%
of loan amount if property is being purchased from 1
st
P/A holder and where there is delay in the execution of Tripartiteagreement.

Verification of security is required once in 2 years.
Features

Loan can be sanctioned by branch/hub near to the present place of work/posting
/residence of the borrower.

Loan can be sanctioned even if property is in the name of wife/parents provided
that the owner is made co-borrower.

Loan can be granted for 2
nd
house in the same city.

Loan can be granted for purchase of house for rental purpose

For take over, permission of higher authority is not required.
Important Conditions
Loan cannot be granted:
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For construction in Un-authorized colonies.

If property is to be used for commercial purpose.

Without approved Map.

SUGGESTIONS & RECOMMENDATIONS
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TROUBLESHOOTING TIPS FOR WOULD BEHOME LOAN
BUYERSSUGGETIONS & RECOMMENDATIONS
There are some suggestions, which I would like to give the private banks,which I
noticed in my project. This are-
o
Banks should improve the quality of their products (Specially Homeloan).
o
Most of the private banks and public banks are much aggressive abouthome loan
than PNB. So, PNB should also be focus and aggressiveabout its home loan
products.
o
In my project period I notice that many of the hidden costs areaccumulate with the
services, which are not informed to the customersat the first time, and then
customers suffer many of the problems. So, banks should disclose all the fee
structure, terms & conditionsregarding the product before making sale.
o
In the bank premises front office executives are not co-operative withthe
customers. So, higher authority should keep control over thesestypes of activities.
63Prepared by:
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o
Most the banks believe in large sales force than the quality sales force,which are
more competitive. So, banks should improve their qualitysales force, which include
the competitive sales personnel.
Troubleshooting Tips for Would Be Home Buyers
Past few years have witnessed a paradigm shift in the scenario for home
loanseekers. However, things for the consumers were fairly good till mid-
2004.Property prices have been steady and the interest rates were at historic
lows.Undoubtedly, the picture has much changed now. Real estate in India isgoing
through its own boom, with property prices going higher and higher asthere is no
tomorrow. Also, there is no sign that this rise in underlying property prices is going
to slow down soon. This has widened the gap between have and have not for a
home loan consumer.Though, there has been a great progress in the financial status
of differentincome groups but there are many other hassles along the way to add to
thewoes of an interested home buyer.With an increase in loan interest rates, it has
been noticed that a consumer gives away a major portion of his increased income
as the down paymentand later as EMI. This is a story with every next typical
consumer in ametropolitan city. No wonder that the dream for owning a home is on
theverge of turning into a mirage for most middle class.
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So what are the options left with a prospective home loan consumer?


If you are planning to purchase a home for the purpose of your ownresidence, then
don't make your search a wild goose chase by tryingand wasting time in the
market.

If your dream house requires you to hunt a treasure to buy it, you mayconsider a
smaller property in the same area.

But, if you are deciding to buy a house with the intention of selling itfor quick
profits, then never fasten the process. Wait for theoverheated property market to
cool. Meanwhile, work out your budgetand advantages before treating the property
as an investment.
Let's view the top four problems faced by home loan consumers duringthe
pre-disbursement process as well as troubleshooting tips:Problem I:
Most times, the desired home loan amount is not available or if available, then
getting a fixed rate of interest is just like striving for impossible. Moreover, there
are a few financial institutions that provide thehome loan consumers with a
promising interest rate.-
Get a promise that if you don't receive the home loan amount offered youcan press
for a refund of your processing fee. Don't rely on words but take it in writing or by
mail.
Problem II:
Generally, there is no guarantee that you will get your processing fee back if the
loan is not sanctioned or if the loan is sanctionedthen the individual does not want
it.-
The situation seems a little complex unless promised in writing or inadvance.
65Prepared by:
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Problem III:
At times, loan amount gets restricted after being sanctioneddue to lower valuation
of the property by the bank.-
You may ask your lender to get a valuation done before the sanction of theloan so
that this does not come as a surprise afterwards. Else, the bank will evaluate it at
one figure and you will be purchasing it at another. For that reason, it is always
recommend buying a property from a well knownbuilder.
Problem IV:
Non availability of title documents and/ or NOCs in the formatdesired by the
bank. Or, problems with any other legal/ title document.-
Most banks go through your legal documents with a discerning eye if theyare
submitted along with a home loan application form. You are required tocheck with
the concerned builder/ society/ authority about the format of the NOC that plays a
critical role in the procedure. If they have a different format, get that cleared from
the bank to avoid messy disputes and headaches later.
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BIBLIOGRAPHY
BANKING LAW AND PRACTICE-- P.N. VARSHNEYINDIAN CASES IN
MARKETING -- NEELAMEGHAM , S.WEB
SITES:www.pnbindia.comwww.guide2homeloan.comwww.google.com
68Prepared by:
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