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ArticlePeer ReviewedOpen AccessPlagiarism Passed
Paper ID:IJSREM37679

Credit Assessment Process for Unsecured Loan at HDFC Bank: A Comprehensive Overview

Stream/Area:

-

Subject:

-

Paper ID:

IJSREM37679

Volume:

8 |

9 |

Sep 2024

Pages:

Publication Frequency:

Monthly (12 issues per year)

DOI
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Not assigned

License:International Journal of Scientific Research in Engineering and Management follows the Creative Commons Attribution 4.0 (CC BY 4.0) License, allowing free use and distribution with proper attribution.

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Authors

SB

Sreelekshmi Binukumar

PPP

Prof. Pradip Patil

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Abstract

This research discusses the criteria used by HDFC Bank to decide whether a person qualifies for an unsecured loan. Unsecured loans are those that do not require security or collateral like a personal loan. This understanding will help to understand how the bank can reduce the risk when offering free loans. The aim of this project is to find out how HDFC Bank decides whether a person gets a bad loan or not. The study gives key benefits of HDFC Bank loans, including a quick application process, low interest rates and flexible payment options. During the internship, the researcher was responsible for managing customer data and calling customer based on the offers they had , with help of using HDFC Bank’s FinnOne ERP system to verify customer status based on payment history and credit. Ultimately, exposure to the unsecured loans segment provided valuable insights into the banking sector, its challenges, and its opportunities. And also, this study provides insight into how credit ratings shape credit approval decisions for unsecured personal loans.

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Cite This Article

Sreelekshmi Binukumar, Prof. Pradip Patil, "Credit Assessment Process for Unsecured Loan at HDFC Bank: A Comprehensive Overview," International Journal of Scientific Research in Engineering and Management, vol. 8, no. 9, Sep 2024.

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Publication Date

9/28/2024

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Double-Blind Peer Review

Review Rounds: 2

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The authors declare no conflict of interest related to this research work.

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