The research is done on a particular loan-Personal Loan, provided by every bank to the general public. The banks that are taken into consideration, uses Enabling Technology to provide valued added products and services to their customers. The objective is to build sound customer franchises across distinct businesses so as to be the preferred provider of banking services for target retail and wholesale customer segments and to achieve healthy growth in profitability, consistent with the bank's risk appetite. These banks are committed to portray a successful level of ethical standards, professional integrity, corporate governance and regulatory compliance. The products are backed by world-class service and delivered to the customers through the growing branch network, as well as through alternative delivery channels like ATMs, Phone Banking, Net Banking and Mobile Banking. The preferred program for high net worth individuals have been designed keeping in mind the needs of customers who seek distinct financial solutions, information and advice on various investment avenues. These banks have grown consistently and are now amongst the leading players in the industry.