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International Journal of Creative and Open Research in Engineering and Management

A Peer-Reviewed, Open-Access International Journal Supporting Multidisciplinary Research, Digital Publishing Standards, DOI Registration, and Academic Indexing.
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ISSN: 3108-1754 (Online)
Crossref DOI: Available
ISO Certification: 9001:2015
Publication Fee: 599/- INR
Compliance: UGC Journal Norms
License: CC BY 4.0
Peer Review: Double Blind
Volume 02, Issue 05

Published on: May 2026

A STUDY ON CUSTOMER AWARENESS TOWARDS HOME LOAN SCHEMES

Preeti Jogendra Chourasiya Minakshi Chauthamahal

Zeal Institute of Business Administration Computer Application Narhe Pune
DOI:https://doi.org/10.55041/ijcope.v2i5.486

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Plagiarism Passed Peer Reviewed Open Access

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Abstract

The present study examines customer awareness towards home loan schemes with special reference to EMI calculation, interest rates, government subsidy schemes, and factors influencing home loan decisions. Home loans have become one of the most important financial products for individuals seeking residential ownership .The study aims to analyze the level of awareness among customers regarding home loan schemes offered by banks and financial institutions. Primary data was collected from 100 respondents using a structured questionnaire. Percentage analysis and Chi-Square test were applied for interpretation of data. The findings reveal that respondents possess moderate to high awareness regarding EMI, interest rates, and bank comparison, while awareness regarding subsidy schemes and processing charges remains comparatively low. The study concludes that improved financial literacy, transparency, and customer awareness programs are essential to support informed home loan decisions.

Keywords: Home Loan, Customer Awareness, EMI, Interest Rate, PMAY, Housing Finance

How to Cite this Paper

Chourasiya, P. J. & Chauthamahal, M. (2026). A Study on Customer Awareness Towards Home Loan Schemes. International Journal of Creative and Open Research in Engineering and Management, <i>02</i>(05). https://doi.org/10.55041/ijcope.v2i5.486

Chourasiya, Preeti, and Minakshi Chauthamahal. "A Study on Customer Awareness Towards Home Loan Schemes." International Journal of Creative and Open Research in Engineering and Management, vol. 02, no. 05, 2026, pp. . doi:https://doi.org/10.55041/ijcope.v2i5.486.

Chourasiya, Preeti, and Minakshi Chauthamahal. "A Study on Customer Awareness Towards Home Loan Schemes." International Journal of Creative and Open Research in Engineering and Management 02, no. 05 (2026). https://doi.org/https://doi.org/10.55041/ijcope.v2i5.486.

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References


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  2. Website: https://books.google.com/

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  10. Website: https://pmaymis.gov.in/

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  • •All submissions are screened under plagiarism detection.
  • •Review follows editorial policy.
  • •Authors retain copyright.
  • •Peer Review Type: Double-Blind Peer Review
  • •Published on: May 16 2026
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