Research Questionnaire On Indian Overseas Bank Credit Flow to

Small and Medium Enterprises

Sr No. of questionnaire ______

DEAR MADAM/SIR, I am a student of Balaji Institute Of Modern Management, Pune. We are conducting a survey on a Factors which affect the decision of Small and Medium Entrepreneurs for selection of Bank for taking loan For this purpose, we would like you to spare a few minutes and share your views with us. We assure you that information given by you shall be kept completely confidential and only research team will be having access to this information.

1. Types of business? a) Manufacturing b) Service c) Professional d) Wholesaler e) Retailer f) Others Please Specify 2. If Manufacturing, Total gross Investment in Plant and Machinery? a) Up to 25 lac b) 25 lac to 5 crore c) 5 crore to 10 crore d) More than 10 crore 3. If Service and Profession, Total gross investment in equipment? a) Up to 10 lacs b) 10 lac to 2 crore c) 2 crore to 5 crore d) More than 5 crore 4. Legal structure of business? a) Proprietorship b) Corporation c) Trust or Society

d) Partnership e) Hindu Joint Family

5. What is total annual Turnover of business? a) Up to 500000 b) 500001 to 25 lacs c) 2500001 to 2 crore d) More than 2 crore 6. Your Present Banker ?

7. Have you availed loan facilities from any bank for business purpose? a) Yes b) No Name of Bank: - ___________________________________ 8. If yes, for what purpose you have taken loan? a) For Business Start-up b) For expansion of business c) For Replacement of existing assets d) For Working capital Requirement e) For other purpose, please Specify____________________________________________ 9. Are you satisfied with the existing Bankers Service? a) Satisfied b) Neutral c) Dissatisfied 10. Do you require additional funds for business purpose? a) Yes b) No 11. How much additional fund do you require? a) Up to 5 lacs b) 5 lac to 50 lacs c) 50 lac to 2 crore d) More than 2 crore 12. Why do you require additional Fund? a) For Expansion of business b) For Replacement of existing assets c) For Working capital Requirement d) Any other Purpose, Please Specify____________________________________________ 13. Would you prefer any financial institution (Banks) to borrow funds? a) Yes b) No 14. Why do you Prefer Banks for your borrowing? (Multiple options can be marked) a) Ease of availability of loan b) For granting the Subsidy c) Low and fixed rate of Interest d) For getting other banking facilities e) Availing benefit of Credit Worthiness f) Any other, please specify.

15. What kind of Loan do you prefer? a) Term Loan b) Cash Credit c) Non fund Based (LC or LG) 16. From which bank you would like to borrow money? a) Indian Overseas Bank b) Other Bank Bank Name _____________________________ 17. Rate the Factors according to their importance for your decision of selecting Bank for availing loan? Scale:1. Very Important 2. Highly Considered 3. Given Minimum Consideration 4. Given Last Preference 5. No Importance No. Parameter Rating 1 Interest Rate 2 Processing time 3 Speed of Disbursement of Loan 4 Submission of Important Document 5 EMI and Payback Period 6 Requirement of Securities 7 Image and Market Reputation of the Bank 8 Margin amount 9 Working capital and term loan limit 10 Staff Courtesy

18. Any Comment on Questionnaire or Any additional information you would like to share with us :.

Personal Information:Name: - ________________________________ Firms Name:-____________________________ Product/Service:-_________________________ Contact No.:-____________________________

Thank You