QUESTIONNAIRE

ON

ANALYSIS ON NON PERFORMING ASSETS

UNDER THE GUIDENCE OF: Lect. KAVITA CHOPRA (Lect. IN MGMT. DEPT.)

SUBMITTED BY: MANJEET KAUR ROLL NO. 80 MBA- 2nd

(SESSION- 2009- 11)

DESH BHAGAT INTITUTE OF MANAGEMENT AND COMPUTER SCIENCE (MANDI GOBINDGARH)

Name: _____________________________________________

Occupation:____________________________________________

Qualification:___________________________________

Age: 1. Less than 25 3. Above 50 [ [ ] ] 2. Between 25-50 [ ]

Since how long is the Branch Functioning. 2 Yrs [ ] 3-5 Yrs [ ] 2-3 Yrs [ ] 5 Yrs & above [

Since how long the presence of NPA is observed in your branch. 0-1Yrs [ 2-3 Yrs [ ] ] 1-2 Yrs [ ] >5 Yrs [ ]

What is the approximate value of NPA in your Branch (Rs in lakhs)? 1-10 [ ] 20-30 [ ] 50 & Above [ 10-20 [ 30-40 [ ] ] ]

For which category the NPA is being observed (please mention in Rs) Personal loan [ Vehicle loan [ Housing loan [ Agri-term loan [ ] ] ] ] Rs.... Rs. Rs. Rs....

Rate the following on a scale of 1-5. Rank 5 being most effective and 1 being least effective. S.NO. 1. 2. 3. 4. 5. 6 CAUSE Improper selection of Borrowers. Deficiency in processing (sanctioning and realizing the fund). Improper appraisal of assets. Lack of supervision and follow up Natural calamities. Willful default of the Borrowers. 5 4 3 2 1

What is the NPA encountered for each of these causes (Rs in Lakhs).

S.NO. 1. 2. 3. 4. 5. 6.

CAUSE Improper selection of Borrowers. Deficiency in processing. Improper appraisal of assets Lack of supervision and follow up. Natural calamities. Willful default of the Borrowers.

Rs 10

Rs 10-20

Rs 20-40

Rs 40-50

Rs 50>

Do you think that NPA can be controlled? Definitely Yes [ ] Yes [ No [ ] ]

Cant Say [ ]

Definitely No [ ]

What measures have been taken to reduce the NPA? Which measures you Consider the most effective? Highly Effective Effective Cant Say No Definitely No Constant dialogue With the Borrowers Recovery camps Self involvement SARFAESI Act Lok Adalats Debt Recovery Tribunals [ [ [ [ [ ] ] ] ] ] [ [ [ [ [ ] ] ] ] ] [ [ [ [ [ ] ] ] ] ] [ [ [ [ [ ] ] ] ] ] [ [ [ [ [ ] ] ] ] ] [ ] [ ] [ ] [ ] [ ]

To what extent NPA has been converted into good asset. 1% [ ] 2% [ ] 3% [ ] 4% [ ] 5% [ ] >5% [ ] Not converted [ ]

To what extent the Profitability has been affected by NPA <5% [ ] 5-10% [ ] 10-20% [ ] >20% [ ]

Has the profitability improved after adopting NPA reduction Techniques? Definitely Improved Cant Say Definitely Not Improved [ [ [ ] ] ] Improved Not Improved [ [ ] ]