A Effective Study on Ratio Analysis as Per The Financial Statement at TCS (Tata Consultancy Services) Mumbai (2021-2024)

Abstract

An Effective Study on Home Loans with Reference to ICICI Bank (2021/2024)

This study aims to provide a comprehensive analysis of home loan products offered by ICICI Bank during the fiscal years 2021 and 2024. It delves into the various aspects of ICICI Bank's home loan offerings, including interest rates, loan tenures, eligibility criteria, processing fees, and customer service experiences. By examining these factors, the research seeks to evaluate the effectiveness and competitiveness of ICICI Bank's home loan products within the evolving Indian real estate market.

The study will utilize a mixed-methods approach, incorporating both quantitative and qualitative data. Quantitative analysis will involve examining publicly available data, such as interest rate trends, loan volume, and market share, as well as utilizing financial modeling to analyze loan affordability and repayment structures. Qualitative data will be gathered through customer surveys, interviews with ICICI Bank personnel, and analysis of customer feedback platforms to understand customer satisfaction and identify potential areas for improvement.

Furthermore, the research will explore the impact of macroeconomic factors, regulatory changes, and technological advancements on ICICI Bank's home loan portfolio. It will also investigate the bank's strategies for attracting and retaining customers, including digital initiatives and personalized loan solutions. The findings of this study will provide valuable insights for potential home loan borrowers, ICICI Bank management, and policymakers, contributing to a better understanding of the home loan market and promoting informed decision-making.