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 MSMEYear of Incorporation1. 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 (Micro) Upto 25 lakhs (Small) More than 25 lakhs to 5 Crores (Medium) More than 5 Crores to 10 Crores Service (Micro) Upto 10 lakhs (Small) More than10 lakhs to 2 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 Overdraft f) Others____________________________

d) Bill discounting

e)

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 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 1 2 3 4 5 6

Factors Turnaround time Processing fee Low EMI

Documentation

7 8

9 10

Interest rate Clarity in terms and conditions No hidden costs Choice of payments methods Flexibility of interest Loan amount