Abstract
The study was conducted to analyze the type of loan offers by various banks in Hyderabad and short term and long term credit ratings of banks as the loan is a form of debt, for which interested people borrow many for several reason such as to purchase home, car, to run a business or to fulfill their other wants. Credit card facilities are also available as a point of sale to avoid carrying cash within hand at every place. This research is exploratory in nature. Sample was determined as per convenience through a combination of survey, questionnaires and structured interviews. 30 responses were collected from Hyderabad the prominent city of Sindh, Pakistan. Once the data was collected the analysis was drawn through excel. It was realized that banks are getting higher percentage of profits on loans that is kibor+5-6%. There are variety of products but credit cards and auto loan have more demand. There are high interest rates on credit cards. In auto loan bank took possessions of auto as a security until and unless a customer repay the full payment. Moreover, one of the important finding in comparative analysis of public and private banks was that credit rating of private banks is more efficient than public.
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