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Culture Documents
No of Respondents
Within 10 days.
Within 1 month
Within 2to3 months
More than 6 months.
TOTAL
RESPONDENTS
% of Respondents
5
10
25
40
6%
13%
31%
50%
80
100%
Yes
No
Total Repondents
No.Of Respondents
55
25
80
%of RESPONDENTS
69.00%
31.00%
100%
3. Due to delay in getting loan from bank did you approach how many Lenders/MFI/NBFCS to mee
Option
Yes
No
Total Repondents
No.Of Respondents
30
50
80
%of RESPONDENTS
38.00%
62.00%
100%
4. Are the loan pricing policy of your bank transparent and are existing borrowers permitted to swi
Option
Yes
No
Total Repondents
No.Of Respondents
45
35
80
%of RESPONDENTS
57.00%
43.00%
100%
5. Do you have choice of fixed interest rate and floating interest rate?
Option
Yes
No
Total Repondents
No.Of Respondents
50
30
80
%of RESPONDENTS
63.00%
37.00%
100%
6. In case of floating interest rate situation when the base rate is coming down, is the benefit passed
Option
Yes
No
Total Repondents
No.Of Respondents
45
35
80
%of RESPONDENTS
57.00%
43.00%
100%
7. Does bank ask you for necessary clarification regarding adverse remark in your existing loan acc
Option
Yes
No
Total Repondents
No.Of Respondents
55
25
80
%of RESPONDENTS
69.00%
31.00%
100%
8. Is foreclosure changes/ prepayment changes levied by your bank on prepayment of home loans?
Option
Yes
No
NOT APPLICABLE
No.Of Respondents
30
25
25
Total Repondents
80
9. Does your bank offer teaser rate home loans (offering low interest rate for a few years to attract n
Option
No.Of Respondents
Yes
No
40
25
15
80
NOT APPLICABLE
Total Repondents
%of RESPONDENTS
50.00%
31.00%
19%
100%
10. Are the title deeds relating to immovable property mortgaged to the bank for securing loans is returned after
No of Respondents
Immediately
Within 1 to 3 month
Within 2to3 months
TOTAL
RESPONDENT
% of Respondents
20
15
45
25%
19%
56%
80
100%
11. Do banks ask for additional security than what is provided in the scheme by the regulator formulating the sche
Option
No.Of Respondents
Yes
45
%of RESPONDENTS
56.00%
No
35
80
Total Repondents
44.00%
100%
12. Are education loans provided by the banks according to the scheme?
Option
Yes
No
NOT APPLICABLE
Total Repondents
No.Of Respondents
40
25
15
80
%of RESPONDENTS
50.00%
31.00%
19%
100%
sample size 80
TIME TAKEN BY BANKS
100%
100%
80%
60%
40%
20%
0%
50%
6%
13%
31%
% of Respondents
LOAN SANCTIONED
100%
100.00%
80.00%
69.00%
60.00%
31.00%
40.00%
%of RESPONDENTS
20.00%
0.00%
Yes
No
Total
Repondents
h how many Lenders/MFI/NBFCS to meet your credit need and it was sanctioned by them?
CREDIT NEED
100%
100.00%
80.00%
62.00%
60.00%
38.00%
%of RESPONDENTS
40.00%
20.00%
0.00%
Yes
No
Total
Repondents
d are existing borrowers permitted to switch over to the base rate from the earlier PLR system?
erest rate?
POLICY TRANSPARANCY
100%
100.00%
80.00%
57.00%
60.00%
43.00%
%of RESPONDENTS
40.00%
20.00%
0.00%
Yes
No
Total
Repondents
63.00%
37.00%
%of RESPONDENTS
0.00%
ate is coming down, is the benefit passed on to you at once and automatically?
57.00%
43.00%
50.00%
%of RESPONDENTS
0.00%
adverse remark in your existing loan account before its submission to CIBIL so that your credit rating is not implicated?
CIBIL RATINGS
100%
100.00%
80.00%
60.00%
40.00%
20.00%
0.00%
69.00%
31.00%
%of RESPONDENTS
%of RESPONDENTS
38.00%
32.00%
30%
FORECLOSURE CHANGES
100%
100.00%
80.00%
80.00%
60.00%
40.00%
20.00%
0.00%
100%
38.00%
32.00%
30%
TEASER RATE
100%
100.00%
80.00%
60.00%
40.00%
20.00%
0.00%
50.00%
31.00%
19%
%of RESPONDENTS
56%
25%
19%
% of Respondents
ADDITIONAL SECURITY
100%
%of RESPONDENTS
ADDITIONAL SECURITY
100%
100.00%
80.00%
60.00%
40.00%
20.00%
0.00%
56.00%
44.00%
%of RESPONDENTS
Yes
No
Total
Repondents
o the scheme?
EDUCATION LOAN
100%
100.00%
90.00%
80.00%
70.00%
60.00%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
50.00%
%of RESPONDENTS
31.00%
19%
Yes
No
NOT
APPLICABLE
Total
Repondents
%of RESPONDENTS