1

1a

1b

5a

9a

10

11

12

13

Measuring financial inclusion explaining the variation in the use of financial PERSONAL INFORMATION Age 18-25 26-33 34-41 42-48 49-55 Above 55
TOTAL

Literacy Level School Drop out SSC HSC Graduate Post Graduate Others
TOTAL

Occupation Agriculture Business Private Job Unemployed service Retired

TOTAL

Income Less than 2 Lakhs 2 to 5 lakhs 5 to 7 lakhs Above 7 Lakhs

TOTAL

SPECIFIC INFORMATION

Do you have a bank acount? Yes No

TOTAL

Reason for not having a bank account. No point benefit to receive in cash No point benefit to receive in cash No point benefit to receive in cash No point benefit to receive in cash No point benefit to receive in cash No point benefit to receive in cash No point benefit to receive in cash
TOTAL

If Yes,reason for opening the account For saving money

For receive payments To request a loan For receiving remmitance Other

TOTAL

Which type of bank account do you have? Saving Bank Account Current Account Recurring Deposit Acount Fixed Deposit Account Other
TOTAL

Are you using any form of financial services or products? Yes No

TOTAL

What kind of financial services or products you use? Banking Facility Loan Facility Insurance ATM Mobile Banking Net Banking
TOTAL

Have you or your family ever borrowed or take a loan from a Bank? Yes No
TOTAL

If Yes,What are the Reasons for borrowing? Agriculture purpose Education purpose Marriage purpose Home purpose Vehicle purpose Other(Business Purpose)
TOTAL

If loan was available what difficulties have you faced in the process? Documentation Loan sanctioning Time consuming Interest rate consulting services others
TOTAL

From which sources you get to know about financial services? Newspaper TV advertisements Hoarding Friends/Relatives

Bank financial advisor/consultant Others(Internet)

TOTAL

Which is the most easily accessible financial service? Banking Facility Loan Facility Insurance ATM Mobile Banking Net Banking
TOTAL

In the last 2 years have you been refused any of the above financial services Yes No
TOTAL

If Yes,what is the reason for rejecting that financial service? lower security Don't have money Fear of security Lack of proper services Not necessary Don't have time
TOTAL

What are the financial services yet not available in your city? Wealth management services Demat account KCCs Other
TOTAL

What is the level of satisfaction after using any of the this financial services?
Particular Insurance ATM Net Banking Banking Facility Loan facility Mobile Banking

Do you thinking that Government,Local Bodies or Banks need to improve a l Yes No

TOTAL

If yes,Give Any suggestion. Loan should be given on the basis of business Should provide proper and fast srvices Bank make loan procedure faster Government should decrease the rate of interest on loan

Government and bank should try to open more branches in rural area Bank should decrease the waiting period for customer Bank should appoint more customer representatives
10

Chart Title

Government should provide more financial services in rural area 9 Government should increase financial literacy
Axis Title

Provide higher security

Bank should increase the rate interest on FD and Saving Bank Account
Government should provide

Loan should be given on the

Bank make loan procedure

Government and bank

Bank should decrease the

Should provide proper and

Bank should appoint more

Government should

Axis Title

Provide higher security

Government should

8 7 6 5 4 3 2 1 0

TOTAL

he use of financial services in Anand City Respondend 74 36 44 20 18 8

200

% 37 18 22 10 9 4 100 % 8 5 16.5 32.5 36.5 1.5 100 % 16.5 13.5 29.5 21 17 2.5

Respondend 16 10 33 65 73 3
200

Respondend 33 27 59 42 34 5

200

100 % 47.5 34.5 11.5 6.5 100

Respondend 95 69 23 13
200

Respondend 192 8
200

% 96 4 100 % 0 37.5 12.5 37.5 12.5 0 0 100 % 73.02

Respondend 0 3 1 3 1 0 0
8

Respondend 184

43 25 0 0
252

17.06 9.92 0.00 0.00 100.00 % 59.68 3.56 10.67 26.09 0.00 100.00 % 96.35 3.65 100.00 % 11.47 21.03 24.47 28.68 8.03 6.31 100.00

Respondend 151 9 27 66 0
253

Respondend 185 7 192 Respondend 60 110 128 150 42 33

523

Respondend 128 57
185

% 69.19 30.81 100.00 % 14.06 7.03 1.56 26.56 44.53 6.25 100.00 % 50 21.43 8.44 18.83 1.30 0 100 % 12.05 7.14 1.79 16.07

Respondend 18 9 2 34 57 8
128

Respondend 77 33 13 29 2 0
154

Respondend 27 16 4 36

127 13 1
224

56.70 5.80 0.45 100.00 % 4.86 1.62 15.14 74.59 2.16 1.62 100.00 % 16 84 100 % 15.63 21.88 12.50 3.13 28.13 18.75 100.00

Respondend 9 3 28 138 4 3 185 Respondend 32 168

200

Respondend 5 7 4 1 9 6
32

Respondend 120 55 10 0
185

% 64.86 29.73 5.41 0.00 100.00

Respondend
Highly satisfied
81 101 18 29 9 18

Satisfied
37 36 8 24 48 19

Moderate
10 11 6 6 30 4

Dissatisfied
0 2 2 1 21 1

need to improve a lot in providing financial services? 44 149

193

22.80 77.20 100.00 % 2.27 13.64 22.73 20.45

Respondend 1 6 10 9

4 2 2 1 5 1 3
44
Government should
Bank should increase the Series1

9.09 4.55 4.55 2.27 11.36 2.27 6.82

100.00

Highly Dissatisfied
0 0 0 0 1 0

TOTAL 128 150 34 60 109 42 523

Particular Insurance ATM Net Banking Banking Facility Loan facility Mobile Banking

Highly satisfied
81 101 18 29 9 18

Satisfied
37 36 8 24 48 19

Moderate
10 11 6 6 30 4

Dissatisfied
0 2 2 1 21 1

Highly Dissatisfied
0 0 0 0 1 0

TOTAL 128 150 34 60 109 42 523