“EFFECT OF CRR FLUCTUATIONS ON HOME LOAN RATES IN INDIA WITH

SPECIAL REFERENCE TO SBI AND ICCI BANK”

QUESTIONNAIRE

FOR CUSTOMERS

Q1. It is often said that the CRR of India is the deciding factor for home
loan rates. Do You AGREE With this?
ANSWER: YES/NO

EXPLANATION: The questionnaire begins with this question. As LEAD

–IN- QUESTION as a general rule for a good questionnaire. It is put
forward for motivating the respondent and measuring the respondent `s
interest .It is of little importance to the survey.

Q2.Do you have a home loan??(PROBING QUESTION OPEN ENDED)

MAY OR MAY NOT BE INCLUDED NOT NECCASARY
Answer: Yes --- NO …..

Q3. WHICH BANK HAVE YOU TAKEN LOAN FROM??

ANS: SBI …. ICICI … OTHER……

THIS IS A PROBE IN QUESTION TO BE USED FOR CONCLUSION

LINKED TO THE FREQUENCY OF FLUCTUATION OF HOME
LOAN RATES INTH E ENQUIRED BANK HERE WE CAN SEE THE
NUMBER OF RESPONSES WUD INDICATE HOW MUCH
CUSTOMERS THE ENQUIRED BANKS ATTRACT.

Q4. WHAT ASPECT OF THE BANK INFLUENCES YOUR DECION

TO TAKE LOAN FROM THE BANK? (It measures how important is
the Rate & ho much weight do the customers assign it in loan decision)
ANS: a. LOAN RATES
b. SERVICING OF LOAN. c. SECURITY DEMANDED d. OTHER.
5. (Itemized category scale)
Q. WHAT Do You Think that due to CRR changes RATES OF HOME
LOAN CHANGED IN ICICI BANK AND SBI??

ANSWER: a. IMMENSELY CHANGED

b. Considerably Changed
c. Little CHANGED
D. No Change at all

This question is designed to exactly gather real data regarding influence

of CRR fluctuations on bank rates.

PAIRED COMPARISON SCALE

Q6. Please select one factor each from the following pairs that is most
important to you for selecting a home loan
a. Cheaper Rate b. Easy repayment
a. CHANGE in b. No change in rates(FIXED)
rates(FLOATING)
a. FASTER sanctioning b. Behavior of Bank staff
a. Wide Coverage b. Locality of Bank

This question again measures the degree to which the rates are important
to customers.
 QUESTIONNAIRE
I. BANKERS
Q1. RANK THE BANKS FROM CONSIDERING ONLY INTREST RATES
FROM ONE TO FIVE IN TERMS OF EFFECT OF CRR FLUCTUATION ON
HOME LOAN RATES
a) S.B.I.
b) ICICI
c) HDFC
d) OBC
e) PNB

Q2. CONSIDERING S.B.I, WHAT IS THE DIFFERENCE OF HOME LOAN

RATES AFTER & BEFORE CRR FLUCTUATIONS??

A) UPTO 1 %.
B) BETWEEN 1% & 2 %.
C) More than 2 %.
D) More than 3 %.

Q3. RANK ORDER SCALE USED FOR ANALYSING BANK`S COST OF

REVENUE?? (COMPARATIVE SCALE)

BANK TIME INTREST COLLATERAL HIDDEN

TAKEN CHARGE
SBI
ICICI
HDFC
OTHER
Q4.

PARAMETERS AGREE DISAGREE NEUTRAL

INTREST RATE IS
COSTLIER
HIDDEN CHARGES
PROCESS TIME
MARGIN MONEY
COLLATERAL
AMOUNT IS HIGH
EASE OF
OPERATING

Q6. In your opinion, up to what extent is the liquidity position of the bank is strengthened by
CRR CUT?

A) TOO MUCH.
B) NOT MUCH.
C) NUETRAL.
D) DEPENDS ON CURRENT POSITION.