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PROJECT REPORT ON GOLD LOAN A PROJECT SUBMITTED TO TIMSR IN PART COMPLETION OF MASTERS IN FINANCE MANAGEMENT
Related Papers
Justine George
Discernible growth of gold loan NBFCs recorded mainly on the backdrop of appreciation in gold price affirming the indicators of financial soundness such as capital adequacy ratio, Non Performing Asset (NPA) and share of borrowing in the total asset of bank that are contained well within the limit specified by RBI. Rules and regulations on gold loan NBFCs and concomitant decline in gold price have led to the saturation of growth of NBFCs. In short, the sharp correction of gold price would have a devastating effect not just on gold loan NBFCs but also on the entire financial market.
SSRN Electronic Journal
Deepa Kylasam Iyer
Bibhu Sahoo
Gold, among the various asset classes, is considered to be the most attractive investment by an investor. It is a symbol of supremacy and prosperity. It plays an important role in the social and economic life of people. It offers an effectual hedge against inflation and change in interest rates. Many global investors invest in gold as it is appreciating over the years and is also used to diversify their risk due to global economic unanticipated changes. With the feature of being a liquid asset it also has the most efficient 'store of value'. It is used as a medium that can be pledged easily during difficult times for securing financial accommodation. There is a sudden rise in the demand for gold in India over the last few years. Gold is not only purchased in physical form but also in a demat form i.e. e-gold. With the growing importance of gold, the investors are interested in getting supernormal profits. This report aims to study the return pattern of gold. Also it will dea...
International Advances in Economic Research
This paper covers the gold loan protection practices among borrowers in financial institutions. The aim of this paper is to collect the borrowers’ opinion towards protection practices followed by Banks and NBFCs. The aim was achieved through a descriptive study involving a survey. The dataset from the sample underwent series of statistical analysis, i.e. correlation analysis and one way ANOVA. Loan against gold are traditionally considered taboo especially in Indian households. Even when gold is pledged, it is still done as the last resort.
Yashika Malwatta
Technoarete Journal on Accounting and Finance(TJAF)
Ketaki Gaikwad
The contemporary international gold market is a kaleidoscope of change and expansion. The amount of gold purchased annually has nearly tripled since the early 1970s, and gold markets around the world have thrived. Gold has emotive, social, and monetary worth, and it is purchased for multiple and diverse reasons by individuals all over the world, typically affected by nationwide social and cultural fundamentals, home country market conditions, and macroeconomic causes. Different areas of the gold market develop at diverse periods all through the global financial cycle due to the multiple uses of goldin technology, ornaments, by investors, and central banks as well. Gold's features as an asset for investment are bolstered by the diversity of gold demand in terms of the various alternatives within the gold investment. In India, gold is regarded as one of the most alluring, lucrative, and popular investment choices. Gold is an indispensable component of the socioeconomic lives of both the affluent and the poor, and it is a chief source of savings for the low-and middle-income families in both rural and municipal areas. Not only does gold play a significant role in India's cultural zeitgeist, but it also plays a significant role in the economy. This profound relation with gold may be seen not just in terms of tradition, but also in terms of economics. In recent years, gold has become more significant than merely for socio-cultural reasons, and it has earned a position in global financial portfolios. Therefore, this paper discusses gold investment and the factors that influence gold investments in physical forms. Gold has a variety of economic effects, one of which is the influence of gold imports on the balance of payments' trade balance and current account. As a result, the main emphasis of this paper is on examining alternate ways of investing in gold and researching the motives for doing so. Lastly, the paper attempts to investigate the impact of alternative gold investment products (paper/digital gold) by discussing the 'Financialization of Gold', which involves investing in gold-backed financial products that are not held in physical form, resulting in the transformation of the gold market and ecosystem. This study puts forth an analysis of comparison gold alternatives (Gold ETF and Sovereign Gold Bonds) and physical gold by looking at the returns and pricing, requirement, and import quantities of physical gold.
International Journal of Electrical and Computer Engineering (IJECE)
Gold is one of the main commodities where the customers invest their money comparatively with bank for better interest. In the Indian context people purchase gold for their children's marriages for later period. The investment in gold is better suits for easy conversion into money with quickest possible time from the bank and gold merchants. The appreciation or depreciation of gold based on other investment options like fixed deposit, provident fund, international crude oil price, stock market, mutual fund etc. The comparative analysis of gold with other investment options give an edge to the customer to clearly understand the investment pattern for their hard-earned money expected to give good returns in the future.
International Journal of Research -GRANTHAALAYAH
somya Choubey
Indian people treasure investment in Gold. The quantum of perceived value weighs more as emotional quotient is higher for this yellow metal. Families in India think that ‘gold brings good fortune’. This inclination can be observed with the supporting fact that India has outshined itself as the largest gold consumer with 703 tons of gold jewelry in the year 2015. The summative demand of gold jewelry and investment has risen by 6% through which the demand has surged to 890 tons in this year (Shawn, 2016). Phenomenon for investment in gold in India and China is inelastic, despite of price fluctuations, populace continues gaze at gold.
Sandeep Anand
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A gold loan is a guaranteed loan obtained from an investor by guaranteeing the borrower's gold ... relationship between demographic profile of consumers and their desire for gold monetization. II. Literature Review Geetha and Jancy (2014) ... The survey sample size for this project is 161 people from the Bardoli Region.
(Antony*, 1, 2017) Gold Loan Market in India is well organized gold loan market has grown tremendously over a period of time, thanks to the changing consumer perception about gold loan, and rising ...
Literature Review on Gold Loan Project - Free download as PDF File (.pdf), Text File (.txt) or read online for free. literature review on gold loan project
Nair Dnaynesh, N. "Changing Consumer Perception Driving India's Organized Gold Loan Market, Mumbai, India", International Research Review, para 7, 2012. A Comparative Study of some selected NBFCs ...
From the total 30 respondents 21(70 Percent) of the respondents are under graduates. The majority 17(56 Percent) of the respondents are private employees. Regarding the monthly income of the respondents it is found that 23(37 Percent) of the respondents are earning up to Rs.25000 per month.
REVIEW OF LITERATURE By generating, providing, and freely exchanging valuable goods and services with others, marketing is a social process by which people and groups get what they need and want. Creating, promoting, and providing products and services to consumers and corporations are the common definitions of marketing.
Eritriya Roy, The concept of gold loan in India, Abhinav National Monthly Refereed Journal of Research in Arts & Education, Volume 4, Issue 12 (December, 2015) p. 7-11. A study on awareness and ...
A review of past studies helps to understand the scope of the present study and provides the framework for analysis and interpretation. Such a study is ... Gold loan is a secured loan taken by the borrower from any financial institution by depositing gold as collateral security.A Borrower is a person who
Gold loan is currently an emerging trend which is seen in the cities as it is available at much more cheaper rate of interest and with simplicity of getting it than the other financing options. So this research work is focussing on the determinant factors of the gold loan market in Indore city. It draws attention to the important factors of ...
Literature review The loan given against the gold is known as the gold loan. In India, many nationalized banks, private banks and other financial companies offer this loan at attractive rates. Some people go for taking loan against the gold for meeting their requirement. Dr.N.Venkateswaran (2012) has studied the gold loan's impression on Indian
At present gold loans will be offered from public, private, and co-operative banks, this present study based on the purpose of gold loan, in Andhra Pradesh the backward the district is ... retail and individual loans from banks. REVIEW OF LITERATURE Richard Heaney, Nicholas Wai, and Julie K. propose supporting can lessen the expense of
Loan and Gold Loan whether by Organized or Unorganized Loan Lenders. Review of Literature ... Gold Loan portfolios of NBFCs in the recent past.RBI had brought the permissible LTV ratio to 60 per cent in March 2012 though it had hinted that it may relax this rule. The author has
The study also identifies various social factors such as gender, age, income level, education a credit bureau that influenced the selection of Muthoot Finance to obtain a gold loan.[1]Drs.Mahima Gupta (2019) read "Research on consumer attitudes and perception of gold loan in relation to beawar city. This paper outlines the various aspects ...
63 Table 7.1: Growth rates of gold loans, gold prices and gold imports (per cent) Parameter 2009-10 2010-11 2011-12 Gold Loans by NBFCs 170 126 80 Gold Loans by Banks 48 52 78 Gold prices 8 28 32 Value of Gold imports in Rupees 49 36 46 Source: Working Group calculations and World Gold Council and DGCI & S Factors influencing the demand for ...
Muthoot Finance Ltd. is India‟s biggest gold financing company in terms of loan portfolio. Its operations are pan-India in the gold loans sector. Muthoot Finance Ltd It is the largest gold financing company in India in terms of loan portfolio. Gross loans are around Rs.34,246 Cr comprising approximately 90% of total loan portfolio. Table 1 ...
The following recommendations are based on the findings of our study (cited earlier). Firstly, with an increase in the import duty of gold to 15% and further restrictions levied by the government on purchase of gold, gold is increasingly becoming unaffordable for the low-income households.
2 Accredited with "A" grade by NAAC I 12B Status by UGC I Approved by AICTE Jeppiaar Nagar, Rajiv Gandhi Salai, Chennai - 600 119 www.sathyabama.ac.in BACHELOR OF BUSINESS ADMINISTRATION BONAFIDE CERTIFICATE This is to certify that this Project Report is the Bonafide work of M.NITHIN REDDY 39280068 who has done the Project work entitled A STUDY ON GOLD LOAN WITH
personal loans from banks. Review of Literature Richard Heaney, Nicholas Wai & Julie K. suggests hedging can reduce the cost of debt but it has little impact if manage-ment is not committed to adopting the promised hedging policy. The implicit hedge in gold loans commits management to hedging and so greater leverage is expected for producers
2 conceptual background & literature review 22 - 35 2.1 theoretical background of the study 22 - 29 2.2 literature review with research gap 30 - 35 3 research design 36 - 41 3.1 statement of the problem 36 3.2 need for the study 36 3.3 objectives of the study 36 3.4 scope of the study 37 3.5 research methodology 37
Abstract. The demand for gold and its import have been on the rise in India, despite rising gold prices in the last few years. However, currently the gold prices are stable at the global level ...
income. In the context of Manappuram's gold loan activity, the developmental impact has been found to be of significant measure. IV. Gold Loan Market in India With the rising demand, people also buying gold as the value of gold assets is rising continuously. On this solid base, the gold loan industry has huge
As the value of gold cannot be blindly rejected, forecasting the future prices of gold has long been an intriguing topic and is extensively studied by researchers from different fields including economics, statistics, and computer science. The motivation for these studies is naturally to predict the future prices so that gold can be bought and sold at profitable positions and reduce the risk ...
MANAPPURAM GOLD LOAN FINAN CE PROJECT REPORT IN WORD FILE WITH excellent formation. it is totally free for student. Education. 1 of 38. Download Now. Download to read offline. Mba project on manappuram gold loan - Download as a PDF or view online for free.