Study on Home Loans of ICICI Bank

Objective of the Study of Home Loans

• The study was mainly conducted to understand the concept of home loan scheme and the eligibility criteria of the customers.
• The study is done to understand the documents involved in the home loan scheme and the repayment methodology adopted by various banks and the HFC‘s (Housing Finance Corporations).
• The innovative home loan schemes and the risk capturing mechanism adopted by the HFIs and the future of the home loan segment has been undertaken as a part of this study.

Profile of ICICI Bank

ICICI bank is India’s second-largest bank with total assets of about Rs.2, 513.89 billion (US$ 56.3 billion) at March 31, 2006 and profit after tax of Rs.25.40 billion (US$569million) For the year ended March 31, 2006(Rs.20.05 billion (US$449mn) for the year ended March 31, 2005).ICICI Bank has a network of about 614 branches and extension Counters and over 2,200 ATMs. ICICI Bank offers a wide range of banking product and financial services to corporate and retail customers through a variety of delivery channels and through its specialized subsidiaries and affiliates in the areas of investment banking, life and non-life insurance, venture capital and asset management.

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