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PROJECT REPORT

ON

“AGRICULTURE LOANS” 

BACHELOR OF COMMERCE

(BANKING & INSURANCE)

SEMESTER _ V

UNIVERSITY OF MUMBAI

In partial fulfillment of the requirements for the award of the degree of bachelor

of commerce  –  banking & insurance

PREPARED BY:

MISS. KIRAN AHUJA

T.Y.B.C.B.I.(SEM-V)

ROLL NO. 27

UNDER THE GUIDANCE OF PROF. BHARTIVALECHHA

SMT. CHANDIBAI HIMATHMAL MANSUKHANI COLLEGE

ULHASNAGAR  –  421003

(2013-14)

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Department of banking insurance

Certificate

This is to certify that Miss.KiranAhuja of T.Y.B.C.B.I has

successfully completed the project titled “AGRICULTURE

LOANS”under my guidance for the academic year 2013-14. The

information submitted is true and original as per my knowledge.

Mrs. Bharti Valechha

(Project Guide)

Mrs. Kajal bhojwani Dr.(Mrs.) Bhavna Motwani(Coordinator B.C.B.I) (Principal)

 Smt. Chandibai Himathmal

 mansukhani College

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DDEECCLLAAR R AATTIIOONN 

I, Kiran Ahuja student of CHANDIBAI HIMATMAL MANSUKHANI

COLLEGE studying in Third Year of Bachelor of Banking & insurance

(T.Y.B.C.B.I) hereby declare that I have completed this project on

“AGRICULTURE LOANS” in the academic year 2013-14.

The information submitted is true and original to the best of my

knowledge. 

 _________________

Signature of student

(Ms. KIRAN AHUJA) 

(T.Y.B.C.B.I)

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ACKNOWLEDGEMENT

It will be ungrateful for me if I do not mention all those peoplewho have contributed that time, support & guidance to help me

making this project report on “Agriculture loans”.

I would like to express my gratitude first & foremost to

almighty god for bestowing upon me his perennial guidance to

help me follow the right direction & for keeping me patient,energetic & potential while preparing this project report.

I express my sincere gratitude to Prof. Bharti Valechha for

lending her precious time & guiding me to make this project as

it is. It would not have been possible for me to work on this

 project without her professional guidance.

I acknowledge my dateness to Prof. Bharti for rendering his

valuable help at every stage of making this project.

I am also indebted to various agencies, professor, relatives &

friends for bestowing their help & support.

I would fail in my duty if I do not mention the tremendous co-

operation & support I received from my family members &

would like to thank them for their forbearance thoughtout the

completion of this project.

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EXECUTIVE SUMMARY 

A personal loan could be used for

multiple purposes. Every type of

lenders such as banks, private

money lenders and financial

institutions deal with personal

loans. In fact personal loan have

 become one of the most popular

loan categories in India. It’s upto

the borrower from where he wants

to borrow.

Personal loans are tailor made for all the types of borrowers

when they are in need of financial help for a specific or a variety

of purposes. But one must look for an offer of the loan that is

not a burden to repay. That is why knowing about the steps forensuring a less costly loan become essential for the applicants

 before they sign the deal.

These loans can find use in any personal purpose with the

commonest of them being for home improvements, purchasing a

car, meeting wedding and holiday expenses, getting rid of old

debts,etc.

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OBJECTIVES

  TO STUDY THE VARIOUS TYPES OF PERSONAL LOAN

  TO FOCUS ON TERMS AND CONDITIONS

  TO STUDY ABOUT THE PROCESS OF PROCURING

PERSONAL LOAN

  TO KNOW ABOUT PERSENT SCENARIO OF PERSONAL

LOAN IN INDIA

  TO MAKE A COMPARATIVE STUDY OF VARIOUS

BANKS PERSONAL LOAN

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R ESEARCH & METHODOLOGY

Primary data:

  FIELD VISIT:

PEOPLE INTERVIEWED

Mrs. Simran chhanghlani

Assistant Branch manager of DENA BANK

SECONDARY DATA:-

BANKING WEBSITES

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INDEX

SR.NO  TOPIC NAME  PAGE NO. 

1. Introduction 1-37

2. Literature review 38

3. Field study 39-40

4. Findings, analysis and interpretation 41-46

5. Conclusion 47

6.  Annexure 48-50

7.  Bibliography 51