Abstract
This study aims to identify and analyze the key factors affecting home loan financing in State Bank of India (SBI). By examining the loan application process and the decision-making criteria within the bank, the research seeks to provide insight into the elements that contribute to successful home loan approvals and rejections. Data were collected through a combination of interviews with SBI bank officers, a survey of home loan applicants, and analysis of loan approval records. Factors such as creditworthiness, income stability, loan-to-value ratio, property type, and customer relationship with the bank were examined. The findings suggest that while traditional criteria such as credit score and income remain important, other factors like customer loyalty and the bank's risk appetite play a significant role in determining home loan approval. The study concludes with recommendations for both the bank and future home loan applicants to optimize the loan financing process, including the development of a more nuanced risk assessment model and enhanced customer education initiatives.
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