A draft copy of the questions for the questionnaire

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How far is the bank from your residence What is your main purpose in opening a bank account? Do you know the procedure for opening an account Did you face any problem in opening an account What are the services/products you avail along with your bank account a. Utility payments b. Mobile banking c. Receiving payments d. Debit card e. Loans and advances f. Credit card g. Net banking h. Locker facility i. Insurance j. Kisan credit cards Do you know have any of the following accounts a. Fixed deposit account b. Savings bank account c. Recurring deposit account d. Current account How many of your family members do the earnings What is your education level? a. SSLC b. PUC c. Graduate d. Post Graduate and above What is your main source of earnings? a. Self employment i. please specify b. Office c. Daily labour d. Student e. others How is your savings pattern a. Weekly b. Monthly c. Daily d. No savings

11. Where do you save your savings a. Banks b. Post office c. At home d. others 12. Reason for not having a bank account a. Tried but refused b. Difficult to meet the minimum balance requirements c. Not aware the benefits of having an account d. More procedure and paper work e. Low level of education level f. Lack of awareness and guidance 13. If you need a credit facility what is your main source? a. Local money lenders b. Banks c. Friends and relatives d. SHGs e. Others 14. Have your approached bank for credit? 15. Main purpose of borrowings? a. Funding business b. Avail house or vehicle loan c. Education loan d. Personal e. Agriculture loans f. Land development loan g. Others 16. Are you aware of zero balance accounts in banks? 17. Are you aware of Mobile ATMs? 18. Are you aware of mandated Priority sector lending? 19. Are you aware of the Lead Bank in your area? 20. If aware, how did you come to know a. Banks b. Self help groups c. NGOs d. Panchayats e. others 21. do you think bank should have the following a. customer care b. may I help you center c. credit counseling center d. no frills account

e. Any others, please specify. 22. Level of interest in banking and financial products (5 point rating scale) a. Saving small amount of money in bank b. Advicing on credit management by bank c. Managing your debts d. Operating your bank account e. Support from the bank regarding other banking services f. Getting loan from bank g. Credit and debit card facility h. Insurance products in banks i. Financial education from banks