Credit appraisal process and customer satisfaction on home loans with reference to ING Vysya Bank Ltd
Summary :
Table of Contents
- Introduction
- The liberalization and globalization process in India
- Objectives of the study
- Scope and limitations of the study
- Review of literature
- Housing sector
- Credit apparaisal sector
- Company profile
- A study of ING home loan
- Findinds and conclusion
- Suggestions
- Bibliography
Abstract
The changes after liberalization and globalization process was initiated in 1991 had a significant impact on the financial sector. In India, housing finance segment has increased in the recent years. Boost to housing can rejuvenate the economy. The success of the housing companies in the market rest on the availability of customized product and also the service quality offered to customers. The future growth of the companies depends upon its qualitative service to the customers. At this juncture, the banks should evaluate their services and identify their distinction from others. Housing has maximum propensity to generate income and demand for materials, equipments and services. Also the housing sector creates a substantial employment opportunities. Housing being one of the three basic human needs of life always remains among the top priorities of any person, society and economy. Low growth rates in developing markets, changing customer needs, and the uncertain economic conditions in the developing world are exerting pressure on housing companies while testing their ability to survive. The only way to succeed in the market is the formulation of differentiated service to different customer segments. Hence, it is essential to identify the discriminate service quality among the public and private players in home Loan market. The present study has made an attempt on the credit appraisal process & customer satisfaction on home loans at ing vysya bank. The basic premise of globalization is opening of new service markets to provide the developing countries with new opportunities for the expansion of trade and economic growth. The exposure of the banking sector of housing loan has gone up
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