4.

1 Table showing the age group of respondents

Years No of PERCENTA
respondents GE%
20-30 18 18
30-40 29 29
40-50 32 32
50-60 10 10
60-70 6 6
70-80 4 4
80-90 1 1
Total 100 100

ANALYSIS: In the above table it can be seen that 32 of the respondents belong to the age
group 40-50, 29 of the respondents belong to the age group 30-40, 18 of the respondents
belong to the age of 20-30, 10 of the respondents belong to the age group 50-60, 6 of the
respondents belong to the age group of 60-70, 5 of the respondents belong to the age group of
70-80 and 80-90 respectively.
4.1 Chart showing the age group of respondents

4%1%
6% 18%
10% 20-30
30-40
40-50
50-60
29% 60-70
32%
70-80
80-90

INTERPRETATION: From the above pie chart it is inferred that 32% of the respondent
are highest belonging to the group 40-50 and on the other hand 1% of the respondent belong
to the group 80-90.
4.2 Table showing the occupation of the respondent

Occupation No of respondents Percentage%

Retired 2 2
Student 3 3
Self employed 25 25
Salaried person 50 50
House wife 20 20
Total 100 100

ANALYSIS: From the above table it can be seen that 50 of the respondents are salaried
person. 25 of the respondent are self-employed, 20 of the respondent are house wife, and the
remaining 2 of the respondent are retired and 3 of them belong to student respectively.
4.2 Chart showing the occupation of the respondent

60

50

40

30 50

20
25 20
10
2 3 3 4 5
0 1 2

Percentage%

INTERPRETATION: From the above chart it can be seen that the 50% of respondent
are highest belonging to group salaried person, 2% of the respondent belong to retired group.
4.3 Table showing the respondents income per month

Income No: of respondent Percentage %

Less than 15000 25 25
15000-20000 22 22
20000-25000 18 18
25000-30000 22 22
More than 30000 12 12
Total 100 100

ANALYSIS: From the above table it is inferred has 25 respondents income belong to less
than 15000, 22 respondents income belong to 15000-20000 and 25000-30000 respectively,
18 of the respondents income lies between 20000-25000, and 12 of the respondents income is
more than 30000.
4.3 Chart showing the respondents income per month

12%

25%

22%

22%

18%

Less than 15000 15000-20000 20000-25000

25000-30000 More than 30000

INTERPRETATION: From the above chart it is inferred that 25% of the respondent
are highest belonging to income less than 15000, and 13% of the respondents are lowest
belonging to income more than 30000.
4.4 Table showing the number of respondent been associated with
Sreenidhi Souharda Sahakri Bank Niyamitha

Years No: of respondents Percentage %

Less than 1 year 21 21
1-2 year 32 32
Up to 5 year 15 15
More than 5 year 32 32
Total 100 100

ANALYSIS: 32 respondents are associated with Sreenidhi Souharda Sahakari bank

Niyamitha from 1-2 years and more than 5 years, 21 respondents are associated for less than
1 year, 15 respondent are up to 5 years.

4.4 Chart showing the number of respondent associated with Sreenidhi

Souharda Saharakri Bank Niyamitha
 35

30

25

20

15

10

0
Less than 1year 1-2 year Up to 5 year More than 5 year

INTERPRETATION: From the above chart it is inferred that the highest respondents
(i.e. 32%) are under 1-2 years and more than 5 years respectively, lowest respondent (i.e.
15%) belong up to 5 years.

4.5 Table showing types of loan the respondents are availed

 Loan No: of respondents Percentage %
Personal loan 50 50
Car loan 16 16
Educational loan 2 2
Home loan 32 32
Total 100 100

ANALYSIS: 50 0f respondents are availed personal loan, 32 of respondents are taken home
loan, 16 respondents are taken car loan, and educational loan is taken by 2 respondent.

4.5 chart showing types of loan availed by respondents

 32%
Personal loan
Car loan
50%
Educational loan
Home loan
2%

16%

INTERPRETATION: From the above pie chart it is inferred that 50% of respondent are
availed personal loan, on the other hand only 2% of the respondents are taken educational
loan.

4.6 Table showing the factors consider while availing the loan
 Factors No: of respondents Percentage %
Interest 9 9
Repayment schedule 24 24
Easy instalments 64 64
Others 3 3
Total 100 100

ANALYSIS: Above table shows that the 64 respondent are satisfied with easy instalments,
24 with repayment schedule, 9 with interest, and 3 with other factors.

4.6 Chart showing the factors consider while availing the loan
 70

60

50

40

30

20

10

0
Interest Repayment Easy instalment Others

INTERPRETATION: From the above chart it is inferred that 64% of the respondents
considered easy instalments while taking the loan and 3% of the respondents considered
others while taking the loan.

4.7 Table showing the repayment of loan is directly affected the family
expenses
 particular No of respondents Percentage%
Yes 6 6
No 94 94
Total 100 100

ANALYSIS: Table shows that 94 respondents say no that the repayment of loan is not
directly affected the family expenses, where has 6 respondent say yes.

4.7 Chart showing the repayment of loan is directly affected the family
expenses
 6%

Yes
No

94%

INTERPRETATION: From the chart it is inferred that the 94% of the respondent say
No repayment of loan is not affected their family expenses, only 6% of the respondent say
Yes.

4.8 Table showing the other borrowings

 Options No of respondent Percentage%
Yes 3 3
No 97 97
Total 100 100

ANALYSIS: Above table shows that 97 respondents say no and 3 respondents say yes.

4.8 Chart showing the other borrowings

 97

Yes No

INTERPRETATION: From the above chart it is inferred that the 97% of the
respondents are not opted for any other borrowing, only 3% of the respondent are opted for
other borrowings.

4.9 Table showing the experience of customer service while availing the
loan at Sreenidhi Souharda Sahakari Bank Niyamitha
Customer satisfaction No of respondents Percentage%
Excellent 23 23
Very good 41 41
satisfactory 33 33
poor 3 3
Total 100 100

ANALYSIS: From the above table it is seen that 41 respondents are in the group very
good, 33 respondent are satisfactory, 23 respondent are excellent, and 3 respondent are poor.

4.9 Chart showing the experience of customer service while availing the
loan at Sreenidhi Souharda Sahakari Bank Niyamitha
 45

40

35

30

25

20

15

10

0
Excellent Very good Satisfactory Poor

INTERPRETATION: Above chart is inferred that the 41% of the respondents are
highest (i.e. very good) and 3% respondent are poor experience of customer services at bank.

4.10 Table showing defaulted in the payment of any loan to the bank
Defaulted in payment No of respondent Percentage%
on loan
Yes 0 0
No 100 100
Total 100 100

ANALYSIS: 100 respondent is the highest and 0 respondent are low.

4.10 Chart showing defaulted in the payment of any loan to the bank
 100

0
Yes No

INTERPRETATION: From the above chart it is inferred that 100% of the respondent
are not defaulted in the payment of any loan to the bank.

4.11 Table showing the period of loan

 Period No of respondent Percentage%
Short term (< than 1 year) 26 26
Medium term(1-5 years) 42 42
Long term(> than 5 years) 32 32
Total 100 100

ANALYSIS: From the above table 42 respondent have taken loan for medium term (1-5
years), 32 respondent are taken for long term (> than 5 years), 26 respondent are taken loan
for short term (< than 1 year).

4.11 Chart showing the period of loan

 26%
32%

Short term
Medium term
Long term

42%

INTERPRETATION: From the above chart it is inferred that 42% of the respondent
belong to medium term (1-5 years), 26% of respondent belong to long term (> than 5 years).

4.12 Table showing the different bank account of the respondent

 Different account No of respondents Percentage%
Savings account 69 69
Current account 17 17
Fixed deposit account 10 10
None 4 4
Total 100 100

ANALYSIS: From the table 69 respondent have savings account, 17 of them have current
account, 10 respondent have fixed deposit account, and 4 respondent dont have account.

4.12 Chart showing the different bank accounts of the respondent

 4%
10%

17% Saving account

Current account
69% Fixed deposit account
None

INTERPRETATION: From the chart it is inferred that 69% of the respondent have
savings account whereas only 4% of the respondent dont have account in the bank.

4.13 Table showing the type of rate of interest customers opted

 Interest rate No of respondent Percentage%
Fixed rate 50 50
Floating rate 50 50
Total 100 100

ANALYSIS: From the above table shows that the 50 respondents are opted fixed rate and
other 50 respondent are opted for floating rate.

4.13 Chart showing the type of rate of interest customers opted

 60

50

40

30

20

10

0
Fixed rate Floating rate

INTERPRETATION: The chart shows that 50% of the respondent are opted for fixed
rate, on the other hand 50% of the respondent are opted for floating rate.

4.14 Table showing the customers satisfaction on types of loans offered by

the Bank
 Satisfaction level No of respondent Percentage%
Highly satisfied 25 25
Satisfied 73 73
Dis-satisfied 2 2
Total 100 100

ANALYSIS: From the above table it shows that 25 respondent are highly satisfied, 73
respondent are satisfied, and only 2 respondent are dis-satisfied.

4.14 Chart showing the customers satisfaction on types of loans offered

by the Bank
 2%
25%

Highly satisfied
Satisfied
Dis-satisfied
73%

INTERPRETATION: From the above chart shows that customers are highly satisfied
(73%) with the type of loans offered by the bank, on the other side 2% of the respondent are
dis-satisfied.

4.15 Table showing the customers waiting period to get the loan
sanctioned
 Waiting period No of respondent Percentage %
Less than 2 months 79 79
2-3 months 10 10
3-4 months 8 8
4-5 months 3 3
Total 100 100

ANALYSIS: From the above table it is said that 79 respondent are waited for less than 2
months, 10 respondent are from 2-3 months, 8 of them are from 3-4 months and 3 respondent
are waited for 4-5 months.

4.15 Chart showing the customers waiting period to get the loan
sanctioned
 79

10 8
3

INTERPRETATION: Above chart it inferred that 79% of the respondent are waited for
less than 2 months, whereas 3 of the respondent are waited for 4-5 months.

4.16 Table showing the opinion about the interest rates for the loan

Opinion level No of respondent Percentage %

Very high 14 14
 High 52 52
Reasonable 34 34
Total 100 100

ANALYSIS: From the above table 14 respondent are very high, 52 respondent are high,
and 34 respondent are reasonable respectively.

4.16 Chart showing the opinion about the interest rates for the loan
 14%

34%
Very high
High
Reasonable

52%

INTERPRETATION: From the above project it can be inferred that 52% of respondents
are high, and 14% respondent opinion are reasonable.

4.17 Table showing the customers opinion about the staff of Sreenidhi
Souharda Sahakari Bank Niyamitha
 Particular No of respondent Percentage %
Very approachable 65 65
Approachable 35 35
Non- approachable 0 0
Total 100 100

ANALYSIS: 65 respondent opinion on staff is very approachable, 35 respondents opinion

is approachable and 0 respondent are non-approachable.

4.17 Chart showing the customers opinion about the staff of Sreenidhi
Souharda Sahakari Bank Niyamitha
 65

35

0
Very approachable Approachable Non- approachable

INTERPRETATION: From the above chart it is inferred that the 65% respondents
opinion about the staff is very approachable and 0% respondent opinion is non-approachable.

4.18 Table showing the personal banking loans at SSSBN

 Particular No of respondent Percentage %
T V (advertisement) 6 6
Friends 55 55
Family 26 26
Others (newspaper) 13 13
Total 100 100

ANALYSIS: The above table show that 6 respondent came to know from the T V
(advertisement), 55 respondent from friends,26 respondent from family, and 13
respondent from others (newspaper).

4.18 Chart showing the personal banking loans at SSSBN

 13% 6%

TV
26% Friends
55% Family
Others

INTERPRETATION: The above chart it is inferred that 55% respondent came to know
from friends, and 13% respondent from others (newspaper).