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

Time Taken by Bank

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%

2. Was your Loan Sanctioned By Your Bank?

Option

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

Time Taken by Bank

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

FIXED AND FLOATING INTREST

RATE
100%
100.00%
50.00%
0.00%

63.00%
37.00%
%of RESPONDENTS

0.00%

ate is coming down, is the benefit passed on to you at once and automatically?

FLOATING INTEREST RATE

SITUATION
100%
100.00%

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

k on prepayment of home loans?

%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%

w interest rate for a few years to attract new customers)?

TEASER RATE
100%
100.00%
80.00%
60.00%
40.00%
20.00%
0.00%

50.00%
31.00%

19%
%of RESPONDENTS

o the bank for securing loans is returned after repayment of loans?

TIME TAKEN BY BANKS

100%
100%
80%
60%
40%
20%
0%

56%
25%

19%
% of Respondents

e scheme by the regulator formulating the scheme?

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

t rating is not implicated?

%of RESPONDENTS