A Comparative Evaluation of Entrepreneurship Promotion Schemes of SBI and HDFC Bank: An Empirical Study in Mahabubnagar District, Telangana

Paper ID: EIJTEM_2026_13_2_62-71

Author's Name: Ruksana Begum, Dr. Prakash Khamparia

Volume: 13

Issue: 2

Year: 2026

Page No: 62-71

Abstract:

This study presents a comparative evaluation of entrepreneurship promotion schemes implemented by the State Bank of India (SBI) and HDFC Bank in Mahabubnagar district, Telangana. The research aims to examine the relative effectiveness of these schemes in terms of awareness, accessibility, beneficiary satisfaction, and socio-economic impact. A total sample of 400 respondents—comprising 200 beneficiaries each from SBI and HDFC Bank—was selected using a structured survey instrument to capture demographic characteristics and scheme-related experiences. The study employs non-parametric statistical techniques, including the Mann–Whitney U test and Kruskal–Wallis test, to analyze differences across socio-economic variables such as gender, caste, income level, and bank affiliation. The findings indicate moderate to high levels of awareness among beneficiaries, with SBI demonstrating stronger outreach through structured documentation processes and established linkages with government-sponsored schemes. Conversely, HDFC Bank exhibits comparatively higher beneficiary satisfaction in post-loan service quality, responsiveness, and product flexibility. Regression analysis reveals a statistically significant positive relationship between awareness levels and perceived economic impact, underscoring the importance of financial literacy and information dissemination in entrepreneurial success. Although both banks contribute meaningfully to entrepreneurship development in the district, the study identifies persistent gaps in scheme accessibility, customization for local sectoral needs, and inclusive outreach mechanisms. The research concludes by recommending targeted interventions for improving transparency, financial education, and bank-specific strategic planning to enhance rural entrepreneurship development. The findings offer practical insights for banking institutions, policymakers, and development stakeholders seeking to strengthen the entrepreneurial ecosystem in semi-urban and rural regions of Telangana.

Keywords: Entrepreneurship Schemes, SBI, HDFC Bank, Financial Inclusion, Socio-Economic Impact

References:

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