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INDEX

1. Introduction to the topic

 Company Profile
 Scope of the study
 Objectives
 Hypothesis statement
2. Research Methodology
 Research design
 Sampling design
 Sampling method
 Sample size
 Data collection methods
3. Analysis & Findings
4. Hypothesis Testing
5. Conclusions & Suggestions
6. Limitations
7. Bibliography
8. Annexure

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INTRODUCTION
India is one of the largest consumers of gold in the world. As per the World Gold
Council (WGC), the annual gold demand in India from 1987 until 2016 has
increased by 804%. And the trend does not seem to die anytime soon. The
precious metal other than being used for industrial, commercial and investment
purposes can also be used to get a loan at the time of a financial emergency. In
fact, the gold loan is one of the easiest and fastest ways to access funds when it
matters the most.
Even if you have a low credit score but ample amounts of idle gold in your
locker, the gold loan can be the monetary solution for you. With the growing
popularity of gold loan every year, it is important to know not only what gold
loan is but also how it works, gold loan interest rates, and other related details.

What is a gold loan?

The gold loan, also referred as a loan against gold, is a secured loan that a
borrower takes from a lender in lieu of gold ornaments such as gold jewelry. The
loan amount sanctioned to you by lenders is generally a certain percentage of
the gold’s value. You can repay it through monthly installment after which you
get your gold articles back. Unlike other secured loans such as a home loan or car

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loan, there are no restrictions on the end use of gold loans. So whether you need
to fund a wedding, family vacation or your child’s education, it is a great way to
meet your sudden money requirement. Moreover, a lot of private and nationalised
banks along with NBFCs offer gold loans at affordable interest rates.

Gold is a brilliant yellow precious metal that is resistant to air and water
corrosion. It is a very soft and pure metal. Gold is the most malleable and ductile
metal found on earth. That’s why it is expensive and it is alloyed with other
metals, usually copper and silver to make it less expensive and harder, a karat is
the unit that measures the purity of gold jewellery or else it is hallmarked with a
three digit number that indicates the parts per thousand of gold. Some countries
hallmark gold with a three digit number that indicates the parts per thousand of
gold. The alloyed gold comes in many colours and may not be bright yellow all
the time. It has long been a values commodity, particularly in India where it is
considered auspicious, and had been in use for centuries in the form of jewellery,
coins, bullions, electronics, and dentistry, also for other medical purposes.
Though gold is a highly liquid asset, it wasn’t until recently that consumers
leveraged it effectively to meet their liquidity needs.

The eligibility criteria required to apply for gold lone in India includes three
factors. Firs-tly, the person has to be above 18 years of age. Secondly, the person
applying or a gold loan in India should have a ID & address proof and last but not
the least the applicant should be working on a regular salary basis , means there
should be a constant flow of income.
Gold has traditionally been among the most liquid asset and is an accepted
universal currency. it has traditionally been consumed by individuals in the form
of jewellery, especially in India were it is considered auspicious. Gold is
presumed to be a safe haven in times of economic uncertainty, a fact exemplified
by a 30% increases the value of gold over the past year India is one of the largest

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market of gold accounting for approximately 10% of the total world gold stock
as of 2010. Rural India accounts for 65% of this gold stock. Though gold price
have increased 19% CAGR from 2002 to 2010, gold stock in India has grown at
22% CAGR During the same period to 18000 tons (Rs.32000 billion). The
demand for gold has followed a regional trend with southern India accounting for
40% of annual demand, followed by the west (25%), north (20-25%) and east
(10-15%).

What are the Features of a Gold Loan?

Interest rates
The interest rates on gold loans vary based on the purity of gold. The higher the
purity of gold, the higher the amount that can be availed. Interest rates vary from
8% per annum to 18% per annum in the public sector, whereas in the private
sector these rates are as as high as 24% per annum.

Haircut and loan to value ratio (LTV)

According to the RBI’s guidelines, banks can give a maximum of 90% of the
value of gold as loan, implying a minimum 10% as haircut. Generally, the actual

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loan to value ratio varies from 55% to 65%, which means around a 35% to 45%
margin for the banks, making it the safest loan for banks.

Loan to value ratio or LTV ration means the amount a customer will get against
the value of gold. For example, if the value of jewelry is INR 10,000 and the LTV
is 65%, the maximum loan amount the customer can get would be INR 6,500.

Tenure
A gold loan is generally a short-to-medium term loan, where the tenure ranges
from six months to 24 months. Thus, it is not a long-term loan instrument.

Loan available even to low credit scorers

As the jewelry will be deposited with the bank as collateral against the loan, the
bank is confident of sanctioning a loan to the person even with a low credit score.

The weight of stones and their value is not counted

Even though precious stones have high value, they are not considered at the time
of calculation for a gold loan. Only the value of gold is taken into consideration
for the calculation, thus many a times a digital gold product is preferred against
a regular product for the purpose of pledging.

Who Should Opt for a Gold Loan?

Those with short-term fund requirement
Gold loan works as a common working capital loan in businesses fulfilling the
short-term requirement for funds. In such scenarios, a gold loan is preferred
against a personal loan with adverse interest rates on a comparative basis.

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Those with low credit score

As the jewelry acts as a collateral against the loan, the bank is comfortable in
advancing a gold loan even to a person with a low credit score.

Those who have gold but are taking a personal loan

People who are considering a personal loan with a short-time duration and have
gold lying idle in lockers should consider taking a gold loan instead of a personal
loan in order to save up on the interest cost.

Those opting for gold loan from the unorganized sector

Users consider opting a gold loan from unorganized players amid fears of
rejection from organized financial institutions that may not provide them a loan
because of their credit score history. Such users end up paying hefty interest rates
ranging up to 25% to 50% per annum.

Opting for a gold loan from banks and other organized players is a better option
since credit history is not a factor that impacts the loan given a gold loan is
completely secured. This would help save the interest cost as banks are required
to charge interest as per RBI norms, which are market-compliant and not
exorbitant.

How to Opt For a Loan Using Digital Gold?

With the introduction of digital gold products, people now have access to a more
lucrative option in order to reduce the overall interest burden on gold loans.

You could consider liquidating your physical pure gold (available as “vedhnis”,
biscuits, coins and bars) and converting the cash into the digital sovereign gold
bonds (SGBs) form. This would help you in two ways: one in securing the funds
required and second in earing an interest income of 2.5% annually on the face

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value even during the loan term, thus reducing the overall cost of credit. For
instance, SBI’s interest rate for loan against SGBs is 9.25% but as the underlying
is an SGB, the effective cost would be 6.75% per annum.

Tax Benefits:
Tax benefits that are associated with the utilization of the gold loan for specific
reasons include:

Bottom Line
Gold loans, in general, serve as a source of support when you need capital
urgently. You should not only understand such products in order to tackle future
necessities but also understand the upcoming new variants that are safer and
effectively reduce the overall interest burden on the loan.

How does gold loan works?

The entire process of gold loan is quite similar to other secured loans. In this, you
take your gold articles to a lender along with the required set of documents. The
lender evaluates the gold articles and verifies the submitted documents. As per
the evaluations, the lender sanctions the loan amount. As per the loan agreement,
you pay off the principal amount along with the interest amount and get the
pledged gold articles back.

Who is eligible to apply for a gold loan?

Anyone who has gold can get a gold loan. Unlike personal loans, which include
stringent eligibility criteria, gold loans can be availed by any Indian resident,
which can include salaried professionals, businessmen, housewives, and even
farmers. You don’t even need to have a good credit score to be eligible for a gold
loan. So if you have a low credit score, you still have a chance to get funds,
provided you have enough gold to pledge for it.

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COMPANYPROFILE

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COMPANYPROFILE

The HDFC Limited (HDFC) was amongst the first to receive an ‘in principle’ approval from
the Reserve Bank of India (RBI) to set up a bank in the private sector, as part of RBI’s
liberalisation of the Indian Banking Industry in 1994. The bank was incorporated in August
1994 in the name of ‘HDFC Bank Limited’, with its registered office in Mumbai, India. HDFC
Bank commenced operations as a Scheduled Commercial Bank in January 1995.

The last eighteen years have been very fulfilling. We can of course wax eloquent
about it in so many ways, but they say, figures don't lie, so we will let the figures
do all the talking. They will give you a fair idea of how we have grown in the past
few years.
HDFC Bank began operations in 1995 with a simple mission: to be a "World-
class Indian Bank". We realised that only a single-minded focus on product
quality and service excellence would help us get there. Today, we are proud to
say that we are well on our way towards that goal.
It is extremely gratifying that our efforts towards providing customer
convenience have been appreciated both nationally and internationally.
Our Citizen's Charter offers relevant information about the products, facilities and
services we provide. Customers can also find out about the time norms for various
banking transactions, our policy on customer information, and the process
followed for redressal of grievances.

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SERVICES
Wholesale banking services
HDFC Bank provides a range of commercial and transactional banking services,
including working capital finance, trade services, transactional services, cash
management, etc. to large, small and mid-sized corporates and agriculture-based
businesses in India. The bank is also a leading provider of these services to its
corporate customers, mutual funds, stock exchange members and banks .

Retail banking services

HDFC Bank was the first bank in India to launch an International Debit Card in
association with VISA (Visa Electron). The bank also issues
theMasterCard Maestro debit card.[17][18] The Bank launched its credit
card business in late 2001. By the end of June 2013, it had a credit card base of
5.94 million.

Treasury
The bank has three main product areas - Foreign Exchange and Derivatives, Local
Currency Money Market & Debt Securities, and Equities. These services are
provided through the bank's Treasury team. To comply with statutory reserve
requirements, the bank is required to hold 25% of its deposits in government
securities. The Treasury business is responsible for managing the returns and
market risk on this investment portfolio.

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GOLD LOAN

HDFC bank’s Sampoorna Bharosa Gold Loan is available the moment you step
into any of our branches. We help you optimise your investment in gold because
this loan against gold is not only easy to avail but also easy to repay. Get
convenient EMIs, affordable interest rates and an opportunity to liquidate your
gold loan at any time.
Features
 Unique triple layered protection for your assets in gold
 Immediate gold loan sanction and disbursal
 Hassle-free gold loan application and minimal documentation
 Affordable to avail & repay
 Easily available online and in branch offices

Benefits
 Perfect choice for finance personal or business needs
 Extremely beneficial secured loan interest rates

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 Comfortable customizable EMI and prepayment options available

 Speedy gold loan processing for urgent cash crisis
 Lower interest rates for preferred customers available
Documents required
 Identity Proof (Passport Copy/ Voters ID card/ PAN Card/ Aadhaar Card)
 Address proof (Passport/ Electricity Bill/Telephone bill/ Aadhaar Card)
 Signature proof ( Passport/ PAN Card/Banker’s verification/ cheque)

Whatever be your need we have a loan for you. Over the years we have won the
trust of our customers and have become market leader in loan products.
Enjoy triple benefits when you take a loan against gold from HDFC Bank:
 Faster loan - Our gold loan sanction and disbursal is one of the quickest with easy
documentation and doorstep service.
 Competitive pricing – Our rates and charges for loan against gold are very
attractive.
 Transparency – All charges are communicated up front in writing along with the
gold loan

HDFC Bank introduces a safe, simple and easy procedure to unlock the value of
your gold without selling it. Make your gold work more for you in times of need.
Here are a few benefits:
 Principal Amount: Minimum of Rs 50,000/- onwards. Gold loans for less than
Rs 50000/- also available for rural markets.
 Instant liquidity: Enjoy any time liquidity on your loan against gold. It can be
repaid any time without any foreclosure charges.
 Security: Be assured of the safety and security of your gold.
 Interest Rates: Take advantage of our lower interest rates for this loan. Special
rates available for Preferred, Imperia & Classic and Women customers

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 To top all these benefits, if you are an HDFC customer, you get great interest
rates!

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Here is an exhaustive list of all the fees and charges to be paid for the loan:
Fees Amount to be paid

Loan Processing Charges 1% of disbursal amount

Rs 250 +applicable tax up to 1.5 lacs per packet per loan

Valuation Fee
Rs 575 +applicable tax above 1.5 lacs per packet per loan

Foreclosure charges 1% + applicable tax

Stamp Duty & other statutory

At Actual
charges

Renewal Processing Fees- Rs 350 + applicable tax

Auction charge As per actual

Prepayment charges 1% + applicable tax

Cheque / Ecs / SI / Swaping charges Rs 200 + GST

Bounce charges Rs 200 + GST

Legal and collection chages At actuals

CIBIL Report copy charges Rs 50

Duplicate Amortisation / Repayment

Rs 200+ GST
Schdule charges

TOD charges ( Overdraft ) 18% p.a.

2% additional levy over existing Rate of Interest from the date of

Default Interest/Penalty
maturity till loan account is regularized/closed.

Rates offered to customer during the period of Jan'22 to Mar'22*

Bank IRR
Product Group
Min Max Avg

GOLD LOAN 7.75% 15.75% 10.48%

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Annual Percentage Rate offered to customer during the period of Jan'22 to Mar'22*

APR Min APR Max APR Avg

7.55% 15.76% 10.48%

HDFC Gold Loan Interest Rate

Interest Rate 8.50% p.a. onwards

Loan Tenure Up to 2 years

Repay only the interest on the loan

every month

Enjoy monthly outflow as low as ₹

1,000 per lakh (based on an
Gold Loan Repayment
indicative rate of 12% pa)

Repay the interest and principal

after 1 year in case of bullet
repayment

Document Requirements

Submit any one of the following:

 Passport (Not expired)
 Driving license (Not expired)
 Voters’ ID Card
 Aadhaar Card issued by UIDAI
 PAN (Permanent Account Number) Card (along with any of above mentioned
documents) or Form 60
 One Passport Size Photograph
 Agri Allied Occupation Documentation( in case of bullet repayment for agriculture
customers)

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SCOPE OF THE STUDY

 The present study is confined to gold loan and other products

offered by the domestic operations of HDFC

 The study is also confined to the internal functional and

operational aspects of the lending process

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OBJECTIVE OF THE STUDY

 To know about consumer awareness regarding gold loan

 To know about process of Gold loan provided by HDFC Bank.
 To know criteria to get Gold loan form HDFC bank.
 To understand and identify difficulties face by bank.

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HYPOTHESIS

 There are different criteria to get the gold loan

 Difficulties in identification of gold purity process

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Research
Methodology

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RESEARCH METHODOLOGY
The methodology that was adopted for the study includes both primary source
data as well as the secondary source of data. The data has been collected from
40 consumer in gondia city by applying convenient sampling technique
.secondary data for the study have been collected from various publications in
journals , magazines , website and books stastical tool such as percentage analysis
Chi - square analysis and weighted score analysis have been used to analyzed the
data.
DATA COLLECTION
Data collection refers to a purpose gathering of information relevant to the subject
matter under study and methods depend mainly on nature, purpose and scope of
the enquiry to be undertaken on the available resources and time.
Data collection is one of the methods of research. There are mainly two
methods of the data collection.
 PRIMARY DATA COLLECTION
 SECONDARY DATA COLLECTION

PRIMARY DATA:
The primary data are those which are collected afresh and for the first time, and
thus happens to be original in character. We can obtain primary data either
through observation or through direct communication with respondents in one
form or another or through personal interview.

SECONDARY DATA:
Secondary data means data that are already available i.e. they refer to the data
which have been already been collected and analyzed by someone else. When the
researcher utilizes secondary data, then he has to look into various sources from
where he can obtain them.

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 Internet
 Company manuals and booklets
 Books etc.

The source of information is generally classified as primary and secondary

.
According to pay line V. young the source of information can be classified
into documentary sources and field sources.

• Primary data :-

The information given/ collected by individual or groups constitute

primary source.
Methods of generating primary data
i. Survey
ii. Personal interview
iii. Observation
iv. Questionnaire
b) Secondary data :-

Books, diary, manuscript, letter, magazine, internet etc. are the secondary or
documentary source. The researcher for this dissertation has decided to use
primary source as questionnaire and secondary sources as books and internet for
data collection.
Tools Of Data Collection:
a) Questionnaire and observation was used as tool for primary source of data
collection.
b) Books and internet was used as tool for secondary source of data collection.

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Pre-study:
After careful study of literature and expert consultation the researcher still may
have only a rather vague idea about the critical element in his problem. As pilot
study sometimes may be launched as a step preliminary to the form scale before
original study are carried out in order to gain some preliminary information of the
main project.
Pretesting:-
Pretesting is the process of an advance testing of study design after the interview
schedule has been prepared. The researcher referred books and internet to get
prepared literature for this project and report.
Processing:-
Once the collection of data is over the main step top arranged for processing and
analysis of data.
Editing:-
The preparation of the data forms for the tabulations must include on operational
procedure for accepting, modifying or resection individual questionnaire.
Tabulation:-
Tabulation is a process of summarizing raw and display it in compact forms for
further analysis. Analysis of data is made possible through tables. These tables
sre made for different variables and to show relationship with each other.

Interpretation of data:-
Analysis and interpretation are central step in research process. The goal of
analysis is to summarize collected data in such a way that they provide answer to
the and triggered the researcher. Interpretation is the research for the broader
meaning of research finding.

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SAMPLE TECNIQUES: Non probability sampling

SAMLE UNIT: HDFC Gold Loan Customers

SAMPLE SIZE: 30 customers

METHOD: Direct interview through questionnaire

DATA ANALYIS METOD: Charts and graphics

AREA OF SURVEY: Gondia

Sampling Method

The sampling method used for this research is random sampling method.

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DATA ANALYSIS AND INTERPRETATION

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DATA ANALYSIS AND INTERPRETATION

1. What is your age?

AGE/BANK HDFC
21-26 8%
26-35 15%
35-45 42%
45-60 35%

Sales

8%

15%
35%

42%

21-26 26-35 35-45 45-60

Interpretation:-

 The bank provide the gold loan to every age category. The majority on loan are given
in age group of 35 to 60.

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2. What is your Occupation?

Response % of Respondents
Service 45%
Business 30%
Farming 15%
Other 10%
Total 100%

No. of Respondents

10%

Service
15%
Business
45%
Farming

Other

30%

Interpretation:-
 From the above graph, it is interpreted that most of the customers are service holders
as occupation preferred Gold loans. 30% of the customers having business.
 Whereas HDFC customers taking Gold loan at the age of 45-60 the most because at
this age no other comparative bank gives loan.

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3. Are you aware about gold loan?

Response % of Respondents
Yes 86%
No 14%
Total 100%

awereness response

14%

yes
no

86%

Analysis: - from the above graph it is clear that 86% of the population are aware about the
gold loan and 14% of the population are not.

Interpretation: - from the above graph we can see that majority are aware about the gold loan
and few are not aware about the gold loan.

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4. How do you come to know about gold loan?

Response % of Respondents
TV Advertisement 48%
Wall paintings 13%
Direct marketing 22%
Newspaper 5%
banners 4%
Friends & relative 8%
Total 100%

reasons of awereness
option TV Advertisement Wall paintings
Direct marketing Newspaper banners
Friends & relatives

0%
4%
5% 8%

48%

22%

13%

Analysis:-it is clear from the table that 48% of the aware only because of tv advertisement,
13% are because of hoardings, 22% are due to direct marketing, 5% are newspaper, 4% are
banners and 8% are due to friends and family.
Interpretation:-from the above graph it is clear that majority of the population are aware only
because of TV advertisement, some are because of direct marketing and very few are because
of banners and newspapers.

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5. Have you ever deal in gold loan?

Response % of Respondents
Yes 60%
No 40%
Total 100%

option yes no

0%

40%

60%

Analysis: - from the above graph we can see that 60% of the population have deal and 40%have
not deal in gold.

Interpretation: - from the above graph we can see that most of the people are dealing in gold
loan and very few are not dealing with gold loan.

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6. Do you want to deal in gold loan in future?

Response % of Respondents
Yes 73%
No 27%
Total 100%

future dealing
yes no

27%

73%

Analysis:- from the above graph it is clear that 73% of people are in a favour of dealing with a
gold loan in future and 27% are not in a favour.

Interpretation:- from the above graph it is clear that most of the population are in favour of
future dealing with HDFC and very small are not in favour

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7. Which of the following is the most preferable thing at the time of availing
gold loan.

Response % of Respondents
Rate Of Interest 28.3%
Maximum Per Gram Rate 26.7%
Flexibility 16.2%
Customer Dealing 27.9%
Any Other 0.8%
Total 100%

preferances
rate of interest Maximum per gram rate
Flexibility customer dealing
Any other

1%

28% 28%

16%
27%

Analysis:-from the above graph it is clear that 28.3%of the population are preferring only
because of rate of interest, 26.7%are because of max per gram rate,27.9%are because of good
customer dealing because few are flexibility16.2%and vary few are other

Interpretation:- from the above graph it is clear that most of the population are preferring
company only because of rate of interest, some are preferring because of max per gram rate
and good customer dealing, and vary few are flexibility and other

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8. Are you not satisfied with the current deal?

Response % of Respondents
Yes 39%
No 61%
Total 100%

current deal
yes no

39%

61%

Analysis: - from the above graph it is clear that 39% of the population are not satisfied with
their current deal and 61% of the population are satisfied

Interpretation: - from the above graph it is clear that most of the population are not satisfied
with their current deal they want to change their current deal and some are satisfied with their
current deal.

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9. Which of the following are Main reason of satisfaction.

Response % of Respondents
Rate Of Interest 48%
Maximum Per Gram Rate 37%
Flexibility 9%
Customer Dealing 6%
Total 100%

satisfaction factor
rate of interest Maximum rate
Flexibility customer dealing

6%
9%

48%

37%

Analysis:-from the above graph it is clear that 48%f the population are satisfied only because
of rate of interest 37% are because of max per gram rate 6% are because of good customer
dealing 9% because few are flexibility and vary few are other

Interpretation: - from the above graph it is clear that most of the person are satisfied with rate
of interest and max per gram rate. Some are due to good customer dealing, and flexibility, and
very few are with others.

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10. Do you want to change your loan by any other company?

Response % of Respondents
Yes 25%
No 75%
Total 100%

company change

no
25%

yes
75%

Analysis: - from the above graph it is clear that 75% of the population want to change their
company and 25%of the population do not want to change.

Interpretation: - from the above graph it is clear that most of the population want to change
their company and very few want to remain with the same company.

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FINDING

 It is also clear most of people prefer HDFC Bank and Bank to take the gold loan
as compare to other companies.

 HDFC Bank is providing special schemes which are helpful to attract customer.
 Most of the customers prefer HDFC Bank gold loan because of good per gram
rates.

 There are no charges for entry and exit loans.

 HDFC Bank understands the dreams, needs, aspirations, concerns and resources
are unique and this is reflected in every move they do for the sake of individual
customer.

 They are treating the customer as their family member and guiding them
properly.

 It is clear from analysis that most of population are aware about HDFC
Bank in term of gold loan.

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HYPOTHESIS TESTING

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HYPOTHESIS TESTING :

 Accepted , There are different criteria to get the gold loan

 Accepted , Difficulties in identification of gold purity

process

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CONCLUSION

 Most of the companies which are offering gold loan in India are still at growth
stage and hence there are ample of opportunities for all the companies which
are offering gold loan to tap customer.
 The perception of customer is yet to be changed because still they don’t feel
comfortable in taking gold loan because of traditional approach hence there is a
lot of education has to be provided to make people aware of gold loan.
 To achieve sustainable growth in this sector HDFC Bank needs to endeavour
with maximum efforts the company can achieve several milestones in future
while maintaining the existing customer relationship.

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SUGGESTION

 The HDFC has provided proper training to new employees so that they can attract
customers easily.
 The HDFC can conduct seminars and workshops so that they can provide information
to the people and give answers to queries.
 The HDFC should increases the advertisement regarding the gold loan in national TV.
 The HDFC should adopt some strategies to increase the business through existing
customers.
 The HDFC should create the awareness about the gold loan among the general public.
They should visit the jewellers. Businessman and other work places so that they can
guide them.
 HDFC should use traditional ways of promotion in rural location.

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LIMITATION OF THE STUDY

 Time limit is the major constraint

 As the manager are busy in their duty schedule it is not possible for us to
spend more time in interaction and discussion with them
 some difficulty getting the people answer the survey questions because
of their workload and the responsibility they have busy his work
 As per Bank rules many information was not disclosed
 The response given by the respondents may not be 100% accurate and
may be biased

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BIBLIOGRAPHY

Books:
“Research methodology” - C. R. Kothari 2nd Edition, Wishwa prakashan.
“Financial Management” – R. S. Gupta.
“Corporate Strategy Management” – V. P. S. Gupta.

Web
 www.bnknetindia/com/banking/finance
 www.hdfcbank.com
 www.hdfcbank/products/finance
 http://en.wikipedia.org/wiki/bankingfinancialcompany
 Bank brochures and products folders.

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ANNEXURE
QUESTIONNARE

NAME: ………………………………………………..
ADDRESS: ……………………………………………
CONTACT NO: ……… (O)……………(M)…………
CITY: …………………….. PIN: …………………….
STATE: …………………………

Q.1 Are you aware about gold loan?

A. yes B. No

Q.2 How do you come to know about gold loan?

A. TV Advertisement B. Wall paintings/hoardings C. Direct marketing

D. Newspaper E. banners F. Friends & relatives

Q.3 Have you ever deal in gold loan?

A. yes B. No

Q.4 Do you want to deal in gold loan in future? (If yes which company)

A. yes B. No

Q.5 With which company you deal or you wish to deal?

A. HDFC B. SBI C. ICICI

D. Karvy finance E. Future group F. IIFL

G. other (specify)

Q.6 which of the following is the most preferable thing at the time of availing gold loan?

A. rate of interest B. Maximum per gram rate C. Flexibility

D. customer dealing E. Any other (specify)

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Q.7 Are you not satisfied with the current deal?

A. yes B. No

Q.8 Which of the following are main reason of satisfaction

A. rate of interest B. Maximum rate C. Flexibility

D. customer dealing E. Any other (specify)

Q.9 Do you want to change your loan by any other company?

A. yes B. No

Q.10 are you aware about HDFC?

A. yes B. No

(Thanks for your kind cooperation)

Signature.............................

Date................................

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