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International Business Management
Year: 2017  |  Volume: 11  |  Issue: 11  |  Page No.: 1728 - 1736

Borrowing Behavior of Retail Customers in Indian Bank-An Analysis

B. Sumathisri and G.R. Gayathri    

Abstract: Commercial banks extend financial assistance or the credit facilities in different ways. Although, all credit facilities are basically a loan, different methods of financing are adopted depending upon the period of finance, purpose of finance, Quantum of balance, etc. In this context, the study was undertaken to analyze the retail borrower’s behavior in Indian bank. The objectives were analyzed with the help of primary data and tools like correlation, regression and factor analysis have been explored to interpret the data. The study concludes that by enhancing and developing Indian bank on the basis of facilities and proper loan sanctioning system will enable retail borrowers to pay their dues on time. The said objectives were analyzed with the help of primary data which was collected from 160 respondents who have availed the various loans from the Indian bank. The data were limited at micro level. The regression model has no significant prediction for the dependent variable. It has been inferred from the study that the overall satisfaction level of the Indian bank was conferred an attitude of bank employee’s mode of payment towards loan and qualify amount which were highly appreciable among the borrowers.

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