1. What is your course of study? a) MBA b) B.

Tech

c) BBA

d)

Diploma

Course of Study

MBA B.Tech BBA Diploma

Interpretation:- In this survey that 90% students are B.Tech and remaining 10%
students are MBA . BBA and Diploma are nil . 2. What is your annual college fee? a) 25,000-30,000 b) 40,000-50,000 b) c) 85,000-90,000 d) 90,000 Above

Annual College Fee

25,000-30,000 40,000-50,000 85,000-90,000 90,000 Above

Interpretation:- 90% student are whose annual college fee

are 85,000-90,000 and 10% student are whose annual college fee are 40,000-50,000. 85.000-90,000 and 90,000 above are nil.
3. Have you taken an education loan from any bank? a) Yes b) No

Taken an Education Loan

Yes No

Interpretation:- In 100% students are taken an education

loan in different banks.

4. Which bank did you chose for the education loan? a) SBI b) PNB c) HDFC d) Others ..

Chose for the education Loan

SBI PNB HDFC OTHERS CBI BOI ALLAHABAD Grmin Bank IDBI

Interpretation:-

In 30 students to taken education loan in

different banks such as SBI , PNB, HDFC, and others such as CBI BOI ALLAHABAD Gramin Bank and IDBI. Most of student to prefer the SBI. In this survey there are 68% student are taken loan in SBI and 10% in PNB, 3% CBI 10% in BOI 3% Allahabad Bank 3% Gramin Bank and 3% in IDBI.
5. What is the occupation of your parents? a) Government Job d) Self Employed b) Private Job e) Unemployed c) Business Man

Occupation of your Parents

Government Job Private Job Business Man Self Employed Unemployed

Interpretation:In this Survey 33% students parents occupation are unemployed 23% self employed 13% government job 13% private job and 17% business man these are taken education loan in different bank.

6. What is your annual family income? a) 50,000-1,00,000 C) 2,00,000-3,00,000 b) 1,00,000-2,00,000 d) 3,00,000 Above.

Annual Family Income

50,000-1,00,000 1,00,000-2,00,000 2,00,000-3,00,000 3,00,000 Above

Interpretation:50% student his parents annual income are 50,000-1,00,000. 20% students whose family income are 1,00,000-2,00,000 . 10% students whose family income are 2,00,000-3,00,000 and 20% student whose parents income are 3,00,000 above.

7. What is your loan sanctioned limit ? a) 2,00,000-5,00,000 b) 5,00,000 -7,00,000 c) 7,00,000-10,00,000 d) 10,00,000 Above.

Loan Sanctioned Limit

2,00,000-5,00,000 5,00,000-7,00,000 7,00,000-10,00,000 10,00,000 Above

Interpretation:Bank sanctioned education loan to the maximum student to 2,00,0005,00,000. In 5,00,000-7,00,000 , 7,00,000-10,00,000 and above 10,00,000 are nil. 8. What is the interest charged by the bank? a) 7% b)9% c)11% d)13%

e)15% Above

Interest Charged by Bank

7% 9% 11% 13% 15% Above

Interpretation:In the different bank may charged to interest to education loan 80% bank charge to 13% . 10% bank charged to 9% and 10% bank to charge 11%. And 7% and 15% above are nil. 9. What is the tenure of the loan? a) 5 years b) 7 years c) 8 years d) 10 years

Tenure of Loan

5 years 7 years 8 years 10 years

Interpretation:The tenure period of loan the 50 % bank may provide 10 years 20% bank may provided 5 years 20% bank provide 7 years and 10% bank may provide 8 years. 10. What is the prepayment penalty? a) 4% b) 5% c) 6% d) 7%

Prepayment Penalty

4% 5% 6% 7%

Interpretation:90% bank may charged prepayment penalty are 4% and 10% bank may charged 5% . 6% and 7% may be nil.

11. What is the mode of repayment? a) EMI (Equated Monthly Installments). b) ECS (Electronic Clearing Services). c) PDC (Post Dated Cheques).

Mode of Repayment

EMI ( Equated Monthly Installments) ECS ( Electronic Clearing Services) PDC ( Post Dated Cheques)

Interpretation:90% bank may charged the repayment through EMI. 5% Bank may charged ECS and 5% bank may charged PDC. 12. Have you received the loan on time? a) Yes b) No

Loan on Time

Yes No

Interpretation:90% student are received loan on time and 10% student could not received loan on time.

13. What type of security pledged for the loan? a) Physical assets (Land, business firm etc.) b) Financial assets (SDPS, Bonds, Insurance policy etc.) c) Guarantor A/C. d) Others. (Please specify)......................................................

Security Pledged for Loan

Physical assets (Land, business firm etc.) Financial assets (SDPS, Bonds, Insurance policy etc.) Guarantor A/C. Others. (My original certificate)

Interpretation:70% student are deposited the security physical assets ( Land, business firm etc). 5% students are deposited to the security purpose financial assets (SDPS, Bonds , insurance policy etc). 20% student are deposited to the Guarantor A/C. 5% Students deposited to the others such as original certificate.

14. Are you satisfied with the present loan scheme? a) Yes b) No

Satisfied with Present Loan Scheme

Yes No

Interpretation:50% students are happy with present schemes and 50% students are un happy with present loan schemes.

Findings

To find out that most of B.tech student take an education. To find out the most of student prefer the education loan to SBI bank. To find out the most of student college fee are 85,000-90,000. To find out the most of student s parent is unemployed to take education loan facility to different bank.. Most of students parent annual income range are 50,000-1,00,000 and they apply an education loan. To find out the bank sanctioned education loan to the maximum student to 2,00,000-5,00,000. To find out the most of bank charged to interest 13% in education loan. To find out the tenure period of education loan . Most of bank provide 10 years and few bank provided 5,7 and 8 years. Most of bank may charged to prepayment penalty are 4% Most of bank may charged the repayment through EMI. Most of student received education loan installment on time. Most of student are deposited the security purpose to physical assets ( Land, business firm etc). Students are deposited to the security purpose financial assets (SDPS, Bonds , insurance policy etc). Few students are deposited security purpose to the Guarantor A/C and Students deposited to the others such as original certificate. 50% students are happy with present schemes and 50% students are un happy with present loan schemes.

Recommendation & suggestions

Bank should reduce the interest charge on education loan. Bank should improve to timely payment to student. Bank should improve to sanctioned loan time such as within one weak. Bank should avoid the prepayment penalty charge to student. Bank should improve the present loan schemes.