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Table No. 1

Awareness level about various credit facilities

YES                                         NO

46                                                                                                              04

 

Most of the respondent are well awared about the credit facilities of different Banks

 

 

 Table No. 2

No. of respondents availing the credit facilities

YES                                         NO

44                                            06

 

Most of the respondent are availing credit facilities from Banks.

 Table No. 3

Distribution of Respondents availing the credit facilities from banks.

SBI             PNB            UCO           IOB             Others

18                 14                04            06                  02

Nearly 40% of the Respondents are availing credit facilities from SBI followed by PNB.

 

 

Table No. 4

Time since customers are availing credit facilities

More than 3          2 to 3          1 to 2          Less than One

      10                     16                14                      04

Most of the respondents are availing the credit facilities ranging from 1 to 3 years.

 

Table No. 5

No. of satisfied customers

Yes                                No

32                                  12

Customers are highly satisfied with their banks.

 

 

 

 

Table No. 6

Awareness level about various credit facilities of different banks

SBI             PNB            IOB             UCO     CANARA        OBC

42               40              22                14             12                 08   

 

 

 

The credit facilities of SBI and PNB are well known to every respondent.

 

Table No. 7 (a)

Ranking of banks on the basis of interest rate

SBI             PNB            IOB             UCO     CANARA        OBC

30               27              08              13              08                 14                      

 

SBI and PNB are the most preferred banks in regard of interest rates.

 

Table No. 7 (b)

Ranking of banks on the basis of collateral security requirement

SBI             PNB            IOB             UCO     CANARA        OBC

26               30              16              10              06                 12   

 

 

Respondents are very much satisfied with SBI and PNB in respect of collateral security requirement.

Table No. 7 (c)

Ranking of banks on the basis of attitude of the employees

SBI             PNB            IOB             UCO     CANARA        OBC

28               27              20                8               10                 07   

 

Respondents  appreciate the attitude of employees of the SBI, PNB and IOB.

 Table No. 7 (d)

Ranking of banks on the basis of services

SBI             PNB            IOB             UCO     CANARA        OBC

26               32              26                06             06                 04   

 

Respondents  appreciate the level of services provided by SBI, PNB and IOB.

 Table No. 7 (e)

Ranking of banks on the basis of documents required

SBI             PNB            IOB             UCO     CANARA        OBC

28               24              18                12             08                 10   

 

 

Customers are happy with the document requirement of SBI and PNB.

Table No. 7 (f)

Ranking of banks on the basis of renewal process

SBI             PNB            IOB             UCO     CANARA        OBC

38               22              16                08             08                 08   

 

Customers are very much satisfied with the renewal process of SBI and tanks to SBI card.

Table No. 8

Main obstacle while getting finance

   (a)                     (b)                   (c)                         (d)                        (e)

Security        Document              Red                   Guarantee            Attidute of

        Requirements       Tapisam              requirement         Bank Employees 

   24                      08                        04                         08                         06

 

Security requirements are the main obstacle while availing any credit facility.

 Table No. 9

Preference order of different parameters

   (a)               (b)                   (c)                (d)                (e)                      (f)

Interest        Collateral       Attitude of     Services       Document                Validity

  Rate          Security         Bank Emp.                           requirement

   42                    12                    08                 16                      14                   08

 

 Customer prefer low interest rates followed by services.

Table No. 10

Preference level of banks

SBI             PNB            IOB             UCO     CANARA        OBC

56               24              10                04             04                 02   

 

More than half of the respondents prefer SBI followed by PNB.

Table No. 11

Awareness level of SBI Card

Yes                                No

38                                  12

A good awareness level is exist about SBI cards.

 

Table No. 12

Sources of information about SBI card

Friends       Bank Employees            Advertisement               Publicity 06                        22                                04                              06         

 

 

Most of the respondents gets information about SBI card from bank employees.

Objective No. 1 :To find out the Market Potential of SBI card.

Ψ                Most of the respondents covered in the survey know about the SBI card and feel that this facility is beneficial to them as they can fix the limit for three years.

Ψ                Respondents even require further guidance related to few things.

Ψ                Customers feel very enthusiastic about the launch of SBI card in Bhiwani and very sure about its success.

Ψ                Most of the respondents want an increase in existing limit i.e. 5.00 lacs.

Objective No. 2 : To know customer’s perceptions about various credit schemes of different banks.

Ψ                Most of the respondents like the credit facilities provided by SBI and PNB.

Ψ                According to most of respondents, PNB is the fastest service provider. It takes only 15 days to disburse the sanctioned loans whereas other banks including SBI takes 40 to 45 days.

Ψ              PNB is offering the lowest PLR i.e. 11.25% whereas other banks are offering 11.5%.

Objective No. 3 : To find out main obstacle while getting finance under various credit schemes.

According to most of respondents, security and document requirement are the main obstacles while getting finance under various credit schemes.

 Suggestions

On the basis of data analysis and interpretations, the following suggestions can be made.

Ψ                RBI Should reduce the SLR and CRR to increase the credit creation capacity of the banks.

Ψ                All the nationalized banks should try to improve their service level to face the stiff competition given by private banks..

Ψ                Banks should reduce the time length between sanction and disbursement of loan.

Ψ                SBI should increase the limit under SBI card to fulfill the growing requirement of the customers.

Ψ                Bank employees should bring more professionalism in their attitude while dealing with customers to retain and attract more customers.

Ψ                Banks should narrow down the spread between PLR and deposit rates.

Ψ                Banks should advertise and conduct special awareness programs to make SBI cards more popular among customers.

 Questionnaire

Name …………………………       Age ………………………….

Income………………………...       Occupation…………………...

Q1.    Are you aware of various credit facilities of banks ?

          Yes                       No

Q2.    Are you availing credit facility from any bank ?

          Yes                       No

Q3.    If yes, from which bank you are availing credit facility ?

          …………………………………………………………

Q4.    Since when you are availing this facility.

          a)      More than 3 year            b)      2-3 years

          c)      1-2 years                        d)      Less than 1 year

Q5.    Are you satisfied with your existing bank ?

          Yes                       No

Q6.    If no, then why ………………………………………….

          …………………………………………………………..

Q.7    Tick the name of banks whose credit facilities are known to you ?

          a)      SBI                       b)      PNB            c)      IOB

          d)      CANARA            e)      UCO           f)       OBC

Q8.    Rate the banks on the basis of following parameters :

Factors

 

Banks

Interest Rate

Collatarel Security

Attitude of Field officer

Services

Document required

Renewal process

SBI

 

 

 

 

 

 

PNB

 

 

 

 

 

 

UCO

 

 

 

 

 

 

OBC

 

 

 

 

 

 

CANARA

 

 

 

 

 

 

IOB

 

 

 

 

 

 

Q9.    According to you what is the main obstacle while getting finance under various credit facilities?

a)      Security                         b)      Document Requirement

c)      Red Tapism                   d)      Guarantee requirement

e)                Attitude of bank employees

Q10.  According to you arrange the parameters in the descending order of their preference?

          a)      Interest Rate                   b)      Collateral Security

          c)      Services                         d)      Attitude of field Officer

          e)      Document required        f)       Validity period

Q11.  Which banks name comes to your mind first while availing credit facility and why?

          ………………………………………………………………………..

          ………………………………………………………………………..

Q12.  Have you heard about SBI card?

          Yes                       No

Q13.  If yes, from where?

          a)      Friends                 b)      Bank Employees

          c)      Advertisement      d)      Publicity

Q14.  Do you want to give any suggestions to banks?

          ……………………………………………………………………….

          ……………………………………………………………………….

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