MT Batch 2023 - Housing - Quiz 1 - Intro & Target Segment

Bank's target segment as defined in the mission statement:

• Unserved & Underserved

• Economically Weaker Sections & Lower Income Group Customers

• Underserved & Undeserved

• Underserved & non-banking customers

In Affordable Housing Loans Market space, we typically find Informal customers in _____.

• Rural

• Semi-Urban

• Rural & Semi-Urban

• None of the above

In AHL Space, we typically find Semi-Formal customers in ____.

• Rural & Semi-Urban

• Semi-Urban

• Urban

• Semi-Urban & Urban

A domestic helper (maid/cook) who generally work in households on a daily basis, may be treated as which one of the following categories of the customers?

• Cash Salaried - Informal

• Bank Credit Salaried - Formal

• Bank Credit Salaried - Informal

• Cash Salaried - Semi-Formal

Grocery Shop Owner (Wife) - Shop average revenue - Rs. 1,00,000/- per month.(Cash/Gpay/PhonePe)

Husband - Cleaning Staff - Infosys - Rs. 12,000/- per month - Bank Credit.

Grocery Shop - registered - all licenses available - ITRs available

What is the segment of the loan?

• Informal

• Semi-Formal

Grocery Shop Owner (Wife) - Shop average revenue - Rs. 1,00,000/- per month.(Cash/Gpay/PhonePe)

Husband - Cleaning Staff - Infosys - Rs. 12,000/- per month - Bank Credit.

Grocery Shop - registered - all licenses available - ITRs available

Property Owner - Husband

Who is the Primary Applicant?

• Husband due to ownership of property

• Wife due to higher income

Husband - Taxi Driver - Ola Cabs - Bank Credit Salary - Rs. 65,000/- per month (Pay slips available)

Wife - Cleaning Staff (On roll permanent) - Central government employee - Bank Credit Salary - Rs. 25,000/- per month (pay slips available)

Landowner - Wife.

need money for construction.

Which of the below is true?

• SF Segment - Wife (Primary applicant) due to land ownership

• SF Segment - Wife( Primary applicant) due to central government job

• Informal Segment

• SF Segment - Husband (Primary applicant) due to higher income