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1. INTERNATIONAL SCHOOL OF INFORMATICS AND MANAGEMENT PROJECT TITLE - “A STUDY OF SECURED AND UNSECURED LOAN PROCEDURES” AT SUBMITTED BY AARTI KUMARI GUPTA MBA/2018/3679

2. “A STUDY OF SECURED AND UNSECURED LOAN PROCEDURES”

3. CONTENTS • COMPANY PROFILE • INTRODUCTION ABOUT LOANS • Objectives of this Project • RESEARCH Methodology a) loan procedures • CHALLENGES • RECOMMENDATIONS • Bibliography

4. COMPANY PROFILE "Best Deal Guaranteed With 100% Satisfaction" • About • Unlisted private company. • Incorporated on 01 November, 2017. • One of the India's fast growing online lending platform. • Specialist in financial services ( Business Loans, Personal Loans etc.). • Vision • One Stop Finance and Business Solutions. • Mission • To provide a superior quality of products and services at competitive prices. • To be a globally innovative and competitive business providing 100% genuine services to our customers. • To provide total customer satisfaction by providing quality products & services.

5. SERVICES OFFERED • 2. Enterprises Development • New Business Registration (Company /LLP / Firms). • GST /Income-Tax / Accounting Solutions. • Return Filing (MCA /GST/ ESI/ IT and etc.). • SEO-Email and SMS Services (VAS) • Compliance Management. • Business Licence and Trademark • Enterprises funding solution • Unsecured Loan Up to 2cr* • Short Term/Small Ticket Business Loan. • Limit Account And Working Capital. • Msme Loan – Mudra Loan. • Loans For Low Cibil Accounts. • Business Loan Without Financial Documents. • Balance Transfer And Top-up Funding.

6. Lending Partners

7. INTRODUCTION ABOUT LOANS Loans • Money, property, or other material goods given to another party in exchange for future repayment of the loan value or principal amount, along with interest or finance charges. • Allow for growth in the overall money supply in an economy and open up competition by lending to new businesses. Types of loan

8. Connected to a piece of collateral - something valuable like a car or a home. • The lender can take possession of the collateral if you don't repay the loan as you have agreed. • Lower interest rates • It is not protected by any collateral. • If you default on the loan, the lender can't automatically take your property. • For example- credit cards, student loans, and personal loans.

9. Objectives of this Project To study and learn various systems and procedures used by the financial companies in giving loan to people. To identify the problems faced by the companies in attracting more customers to use its various service products. To identify the problems faced by the companies at various stages of providing the loan. To understand and identify the difficulties in the operations management practices regarding loans.

10. RESEARCH Methodology Research design • The study done in descriptive in nature. Sources of data • The study is based on secondary data. Collecting secondary data • There was extensive use of secondary information in the form of books, articles published in magazines, journals, newspaper, reports of FULLERTON INDIA, websites, circulars, pamphlets of the banks, clippings etc.

11. RESEARCH Methodology Process Of Lending Money Through Financial Institutions • Client orientation and application • Credit and background investigation • Loan approval • Loan processing • Loan disbursement • Loan collection

12. CHALLENGES • Lengthy sanction period. Banks can even take a month to approve the loan. This can be a critical problem faced by entrepreneurs when they have some urgent need of money. • It is very difficult to manage your pipeline when you are manually tracking it, so there needs to be a central source available to locate the information about the stage of loan. • To access such a large number of customers was difficult because of non- cooperative attitude of respondents. • Unclear loan- decisioning rules that require added discussion. • Increasing the business value of customer relationships, especially when customers have become more demanding.

13. Recommendations • Online availability and submission of applications and other documents. • Online processing for various inspections and verifications. • Company should also have to improve their services and reduce legal proceedings and should be very friendly to their customers. • Online disbursals and repayments. • Replace paper with digital documents. • To satisfy their customers and for good dealings in future, the bank should make prompt disbursement of loan amount to the customers so they can easily fulfil their needs as early as possible.

14. BIBLIOGRAPHY • https://kit19.com/companydetails.aspx?cname=rupicon&campaignname= • https://www.tofler.in/rupicon-business-solutions-private-limited/company/u74999rj2017ptc059408 • https://www.zaubacorp.com/company-trademark/rupicon-business-solutions-private-limited/u74999rj2017ptc059408 • https://connect2india.com/rupicon-business-solutions-private-limited/5255302 • https://www.quora.com/what-does-the-operations-department-in-a-bank-do • http://www.businessdictionary.com/definition/banking-operations.html • https://www.savingsbank.com/documents/career_listings/operations%20officer.pdf • https://www.consumercredit.com/secured-loan-vs-unsecured-loan • https://www.bajajfinserv.in/what-is-personal-loan