Synopsis

Bank is a financial intermediary which serves as an organization which transfers funds from a

surplus area to a fund seeking area. A bank just majorly functions only in accepting deposits

and granting loans, hence the rate at which it functions decides the whole profitability for a bank.

The difference of the rate Is all the banks wants.

Objective

1. To Study various factors a bank considers while appraising loan to a MSME.

2. To study the various financing schemes of the banks for the MSMEs.

3. To Study the MSME satisfaction level for the bank.

Questionnaire for MSME

This questionnaire is administered only to seek information regarding your perception

about the banks services. No part of this would be published in any forum. It is very

confidential and only for project purpose. Kindly be free to answer few questions below.

-Thank You

Name of the MSME-

Year of Incorporation-

1. Which type of MSME unit you are functioning as? ( Details please)

a) Manufacturing b) Service

2. What is the capital investment of the unit ?

Manufacturing Service

(Micro) Upto 25 lakhs (Micro) Upto 10 lakhs

(Small) More than 25 lakhs to 5 Crores (Small) More than10 lakhs to 2 Crores

(Medium) More than 5 Crores to 10 Crores

(Medium)More than 2 Crores to 5 Crores

3. In which bank do you have a current account_____________________________(

please mention if you have account in more than one bank)?

4. Are you aware of the various financing schemes for MSME?

a) Yes b) No c) May be

5. Under which financing Scheme did you take the

loan________________________________

6. What is the amount of loan sanctioned?

a) Upto 10 lakhs b) 10 lakhs 25 lakhs c) 25 lakhs-50 lakhs d)50 lakhs- 1 Crore

e) Above 1 Crore

7. What was the purpose of the loan?

a) Term loan b) Working capital loan c) Bank Guarantee d) Bill discounting e)

Overdraft

f) Others____________________________

8. Did your Bank help you to make you aware of all the Bank Credit Policy?

a) Yes b) No c) May be

9. Please rate the following factors which affected your process of Loan sanctioning

(1 is the least and 5 is the highest importance)

Factors 1 2 3 4 5

Collateral

Size of the firm

Internal funds

Clauses

Years Relationship with bank

Limit of credit line

No collateral/no mortgage/insufficient collateral or mortgage

New venture

No loan to SME by higher bank

Profitability

Ownership of private firm

Immigrate from other places

Others

10. Does your bank offer specialized services for being a MSME? (If yes please mention

the type) ___________________

a) Yes b) No c) May be

11. Rank the following factors according to your satisfaction for the services provided by

your service provider. (1 Being lowest and 5 Being highest).

SL NO Factors 1 2 3 4 5

1 Turnaround time

2 Processing fee

3 Low EMI

4 Documentation

5 Interest rate

6 Clarity in terms and conditions

7 No hidden costs

8 Choice of payments methods

9 Flexibility of interest

10 Loan amount