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IBA Customer Segmentation Request

The document provides guidelines for banks to share customer segment data with an organization. It requests distribution of banks' existing customer base across states, regions, and products. State/region definitions are provided based on RBI classifications. Guidelines define active vs inactive customers and specify including only retail and MSME customers. Banks are requested to provide the number of customers for each state/region and product in the data tables to ensure adequate representation in sampling.

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29 views

IBA Customer Segmentation Request

The document provides guidelines for banks to share customer segment data with an organization. It requests distribution of banks' existing customer base across states, regions, and products. State/region definitions are provided based on RBI classifications. Guidelines define active vs inactive customers and specify including only retail and MSME customers. Banks are requested to provide the number of customers for each state/region and product in the data tables to ensure adequate representation in sampling.

Uploaded by

rabd.pnb
Copyright
© © All Rights Reserved
Available Formats
Download as XLSX, PDF, TXT or read online on Scribd
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Overview

Purpose of collecting customer segment data


To ensure a sampling distribution that reflects bank's existing customer base, we request banks to share customer distribution across
- State split (andhra pradesh, arunachal pradesh,...)
- Regional split (e.g., urban, rural); as defined by RBI

We also request customer base distribution across products seperately, to help us ensure adequate representation of each product in sample

Product Definitions
Please find below the product details for which the data is requested.
Loan taken by an individual to purchase, construct, renovate or extend a home
Home Loan
Please do not include 'Loan against property'
Loans for the purchase of new, used/second-hand/pre-owned automobiles (both 2-wheelers and 4-wheelers)
Secured Auto Loan Please include vehicles loaned for both personal and commercial purposes
Loans Do not include agri vehicle loan (e.g.,tractor loan)

Secured loan where gold assets are pledged as collateral by the borrower
Gold Loan
Please do not include agri-gold loan
Unsecured credit provided based on criteria like employment history, repayment capacity, income level, profession and credit history
Personal Loan
Please do not include business loans, microfinance lending into personal loans

Please include the following cards (only for personal customers):


Unsecured • Branded and co-branded cards
Loans • All new credit card accounts opened regardless of card activation
Credit Card
Please exclude:
• Any third party cards
• Add-on credit cards
Loan that students apply for, in order to fund their education in India or abroad
Education Loan
Please include both secured and unsecured education loans

SME Lending Only include loans lent out to Micro and Small enterprises with Sole Proprietorship
Please do not include Medium enterprises

1. Agri Loans, including:


- Crop Loan (KCC, Agri-Gold Loan)
- Farm Mechanization Loan (e.g. Tractor Loan)
- Land Purchase Loan
Rural Lending - Livestock Loan
- Warehouse Receipt Loan
- Solar Pump Set Loan
- And other agri lending products

2. Micro Finance Lending (including SHG and JLG loans)


Current Account As per standard RBI defintion
Deposits Savings Account As per standard RBI defintion
Term Deposit As per standard RBI defintion
PMJDY
PMAY
Government Stand-Up India
Sponsored PM SVANidhi Sign-up/availment of these schemes by customers
Scheme
Mudra
KCC
dit history
Guidelines for Data Table Population:
Please include only Retail and MSME customers as per the definition in 'Instructions' sheet

Please include only active customers, defined as per RBI guidelines:


• A savings as well as current account should be treated as inoperative / dormant if there are no transactions in
• For the purpose of classifying an account as 'inoperative' both the type of transactions i.e. debit as well as cre
the bank (e.g., service charges levied, interest credited) should not be considered

Objective of this data: States will be tagged to their geographical zones (north, central…) based on RBI definition m
bank population across geographies and regions

Customer Base (number of customers in each POP Group)

Region (as per the RBI classification; definition mentioned in


State/Union Territory sheet 'Region Classification')

Rural Semi-Urban Urban


Andaman & Nicobar Islands
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chandigarh
Chattisgarh
Daman & Diu & Dadar & Nagar
Haveli
Delhi
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Ladakh
Lakshadweep
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Orissa
Pondicherry
Punjab
Rajasthan
Sikkim
Tamil Nadu
Telangana
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
Total Customers
in 'Instructions' sheet

ative / dormant if there are no transactions in the account for over a period of two years
he type of transactions i.e. debit as well as credit transactions induced through customers as well as third party should be considered - tran
e considered

es (north, central…) based on RBI definition mentioned in sheet 'Geography Classification'. We want to use this data to ensure we have ad

f customers in each POP Group)

cation; definition mentioned in


Division: BARM/Retail/MSME
Metropolitan Total Customers
third party should be considered - transactions induced by

t to use this data to ensure we have adequate sampling of


Guidelines for Data Table Population:

Please include only active customers, defined as per RBI guidelines:


• A savings as well as current account should be treated as inoperative / dormant if there are no transactions in
• For the purpose of classifying an account as 'inoperative' both the type of transactions i.e. debit as well as cre
credited) should not be considered

Product Categorization
Home Loan
Retail Lending -Secured Loans Auto Loan
Gold Loan
Personal Loan
Retail Lending -Unsecured Loans
Credit Card
Education Loan
SME Lending
Rural Lending
Current Account
Deposits Savings Account
Term Deposits
PMJDY
PMAY
Stand Up India
Government Sponsored Scheme
PM SVANidhi
Mudra
KCC
Total Customers
uidelines:
as inoperative / dormant if there are no transactions in the account for over a period of two years
ve' both the type of transactions i.e. debit as well as credit transactions induced through customers as well as third party should be consid

Customer Base (number of customers for


each product) Divisions: RAD, MSME,Credit Card, AGRI
ell as third party should be considered - transactions induced by the bank (e.g., service charges levied, interest
RBI: The centres (village/town) where bank branches/ offices are located, are classified into four
groups (Rural, Semi-urban, Urban and Metropolitan) based on its population as per the latest
(2011) Census data.

Region Classification Criteria


Rural Population up to ten thousand
Semi-urban Population more than ten thousand but up to one lakh
Urban Population more than one lakh but up to ten lakh
Metropolitan Population more than ten lakh
Legend
Union Territories

Northern Region Central Region Eastern Region


Delhi Chattisgarh Andaman & Nicobar Islands
Haryana Madhya Pradesh Bihar
Himachal Pradesh Uttar Pradesh Jharkhand
Jammu & Kashmir Uttarakhand Orissa
Punjab Sikkim
Rajasthan West Bengal
Chandigarh
Ladakh

North-Eastern Region Western Region Southern Region


Arunachal Pradesh Dadar & Nagar Haveli Andhra Pradesh
Assam & Daman & Diu Karnataka
Manipur Goa Kerala
Meghalaya Gujarat Lakshadweep
Mizoram Maharashtra Pondicherry
Nagaland Tamil Nadu
Tripura Telangana

Source: Region/State/Union Territory-wise Distribution of


Commercial Bank Branches by RBI
Ladakh and Telangana have been incorporated additionally

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