Business Research Questinaire

“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 rates(FLOATING)

b. No change in rates(FIXED)

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) b) c) d) e)

S.B.I. ICICI HDFC OBC 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 SBI ICICI HDFC OTHER

TIME TAKEN

INTREST

COLLATERAL

HIDDEN CHARGE

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.