book1.xlsx

1. In how many days your loan application was disposed of by your bank?

Time Taken by Bank No of Respondents % of Respondents

Within 10 days. 5 6%

Within 1 month 10 13%

Within 2to3 months 25 31%

More than 6 months. 40 50%

TOTAL

RESPONDENTS 80 100%

2. Was your Loan Sanctioned By Your Bank?

Option No.Of Respondents %of RESPONDENTS

Yes 55 69.00%

No 25 31.00%

Total Repondents 80 100%

3. Due to delay in getting loan from bank did you approach how many Lenders/MFI/NBFCS to meet your credit need and it was sanctioned by them?


Yes 30 38.00%

No 50 62.00%


4. Are the loan pricing policy of your bank transparent and are existing borrowers permitted to switch over to the base rate from the earlier PLR system?


Yes 45 57.00%

No 35 43.00%


5. Do you have choice of fixed interest rate and floating interest rate?


Yes 50 63.00%

No 30 37.00%


6. In case of floating interest rate situation when the base rate is coming down, is the benefit passed on to you at once and automatically?


Yes 45 57.00%

No 35 43.00%


7. Does bank ask you for necessary clarification regarding adverse remark in your existing loan account before its submission to CIBIL so that your credit rating is not implicated?


Yes 55 69.00%

No 25 31.00%


8. Is foreclosure changes/ prepayment changes levied by your bank on prepayment of home loans?

Option No.Of Respondents

Yes 30

No 25

NOT APPLICABLE 25

Total Repondents 80

9. Does your bank offer teaser rate home loans (offering low interest rate for a few years to attract new customers)?


Yes 40 50.00%

No 25 31.00%

NOT APPLICABLE 15 19%


10. Are the title deeds relating to immovable property mortgaged to the bank for securing loans is returned after repayment of loans?

Time Taken by Bank No of Respondents % of Respondents

Immediately 20 25%

Within 1 to 3 month 15 19%

Within 2to3 months 45 56%

TOTAL

RESPONDENT 80 100%

11. Do banks ask for additional security than what is provided in the scheme by the regulator formulating the scheme?


Yes 45 56.00%

No 35 44.00%


12. Are education loans provided by the banks according to the scheme?


Yes 40 50.00%

No 25 31.00%

NOT APPLICABLE 15 19%


sample size 80

+

3. Due to delay in getting loan from bank did you approach how many Lenders/MFI/NBFCS to meet your credit need and it was sanctioned by them?

0.00%

20.00%

40.00%

60.00%

80.00%

100.00%

Yes No TotalRepondents

69.00%

31.00%

100%

LOAN SANCTIONED

%of RESPONDENTS

0%20%40%60%80%

100%

6% 13% 31%

50%

100%

TIME TAKEN BY BANKS

% of Respondents

4. Are the loan pricing policy of your bank transparent and are existing borrowers permitted to switch over to the base rate from the earlier PLR system?

5. Do you have choice of fixed interest rate and floating interest rate?

0.00%

20.00%

40.00%

60.00%

80.00%

100.00%


57.00%

43.00%

100%

POLICY TRANSPARANCY

%of RESPONDENTS

0.00%

50.00%

100.00%63.00%

37.00%

100%

FIXED AND FLOATING INTREST RATE

%of RESPONDENTS

0.00%

20.00%

40.00%

60.00%

80.00%

100.00%


38.00%

62.00%

100%

CREDIT NEED

%of RESPONDENTS

6. In case of floating interest rate situation when the base rate is coming down, is the benefit passed on to you at once and automatically?


8. Is foreclosure changes/ prepayment changes levied by your bank on prepayment of home loans?

%of RESPONDENTS

38.00%

32.00%

30%

0.00%

0.00%

50.00%

100.00%57.00%

43.00%

100%

FLOATING INTEREST RATE SITUATION

%of RESPONDENTS

0.00%

20.00%

40.00%

60.00%

80.00%

100.00%69.00%

31.00%

100%

CIBIL RATINGS

%of RESPONDENTS

80.00%

100.00%

100%

FORECLOSURE CHANGES

100%

9. Does your bank offer teaser rate home loans (offering low interest rate for a few years to attract new customers)?

10. Are the title deeds relating to immovable property mortgaged to the bank for securing loans is returned after repayment of loans?

11. Do banks ask for additional security than what is provided in the scheme by the regulator formulating the scheme?

0.00%

20.00%

40.00%

60.00%

80.00%

38.00% 32.00% 30% %of RESPONDENTS

0.00%20.00%40.00%60.00%80.00%

100.00%

50.00% 31.00%

19%

100%

TEASER RATE

%of RESPONDENTS

0%20%40%60%80%

100%

25% 19%

56%

100%

TIME TAKEN BY BANKS

% of Respondents

100%

ADDITIONAL SECURITY

12. Are education loans provided by the banks according to the scheme?

0.00%

20.00%

40.00%

60.00%

80.00%

100.00%


56.00% 44.00%

100%

ADDITIONAL SECURITY

%of RESPONDENTS

0.00%

10.00%

20.00%

30.00%

40.00%

50.00%

60.00%

70.00%

80.00%

90.00%

100.00%

Yes No NOTAPPLICABLE

TotalRepondents

50.00%

31.00%

19%

100%

EDUCATION LOAN

%of RESPONDENTS

%of RESPONDENTS

book1.xlsx

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