UPCSC | Survey to discover demand for lending in rural/ semi-urban UP

a. Who gave you the loans?

Bank

NBFC

MFI

Others

Please name the precise name of the lending entity if possible

b. What was the purpose of the loans?

c. How much did you take as a loan (ticket size)?

d. For how long did you take the loan?

e. How much was the interest rate, monthly?

f. How much were all fees in total?

g. How long was the duration from application to approval?

h. How satisfied are you with the loan experience in general?

i. Please write the major pain points of the overall borrowing experience in general, what would you like to be done differently to make you better satisfied with borrowing experience in the future?

Why? Please select from below or mention your reason

There is no need for a loan

Applied but was rejected

There is a need, but didn’t apply because don’t like terms and conditions

Other reason

2. What type of customers has the biggest demand for loans?

Grocery shop

Building materials shop

Some manufacturers

Electronic shop

Others

3. Who do they usually borrow money from?

Banks

NBFCs

MFIs

Others

4. Terms and conditions (if it various by different type of customers, please give this breakdown)

a. What is the average amount they borrow?

b. How much did they take as a loan (ticket size)?

c. For how long did they take the loan?

d. How much was the interest rate, monthly?

e. How much were all fees in total?

f. How long was the duration from application to approval?

g. How satisfied are they with the loan experience in general?

h. Please write their major pain points of the overall borrowing experience in general