QUESTIONNAIRE

ON

ANALYSIS ON NON PERFORMING ASSETS

UNDER THE GUIDENCE OF: SUBMITTED BY:

Lect. KAVITA CHOPRA MANJEET KAUR
(Lect. IN MGMT. DEPT.) 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 [ ] 2. Between 25-50 [ ]

3. Above 50 [ ]

• Since how long is the Branch Functioning.

2 Yrs [ ] 2-3 Yrs [ ]

3-5 Yrs [ ] 5 Yrs & above [ ]

• Since how long the presence of NPA is observed in your branch.

0-1Yrs [ ] 1-2 Yrs [ ]

2-3 Yrs [ ] >5 Yrs [ ]

• What is the approximate value of NPA in your Branch (Rs in lakhs)?

1-10 [ ] 10-20 [ ]
20-30 [ ] 30-40 [ ]
50 & Above [ ]

• For which category the NPA is being observed (please mention in Rs)

Personal loan [ ] Rs…………………………....

Vehicle loan [ ] Rs…………………………….

Housing loan [ ] Rs…………………………….

Agri-term loan [ ] Rs…………………………....

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

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

S.NO. CAUSE Rs Rs 10- Rs 20- Rs Rs

10 20 40 40-50 50>
1. Improper selection of Borrowers.
2. Deficiency in processing.
3. Improper appraisal of assets
4. Lack of supervision and follow up.
5. Natural calamities.
6. Willful default of the Borrowers.

• Do you think that NPA can be controlled?

Definitely Yes Yes

[ ] [ ]

Can’t Say No

[ ] [ ]

Definitely No

[ ]

• What measures have been taken to reduce the NPA? Which measures you Consider the
most effective?

Highly Effective Effective Can’t 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 [ ] Improved [ ]

Can’t Say [ ] Not Improved [ ]

Definitely Not Improved [ ]