International Journal For Multidisciplinary Research

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Evaluation of Borrowers’ Satisfaction on Online Services of Housing Finance and the Role of Bandhan Bank of Nadia District, West Bengal

Author(s) Mr. Mohd Abu Kalam, Dr. Manas Naskar
Country India
Abstract Housing is one of the most important components that we human beings need. The adequate housing is essential for human survival with dignity. There are many things that we would find difficult, if not impossible to do without good-quality of the housing. The housing shortage is a universal phenomenon. Access to housing finance is a major challenge for the poor and low-income groups because of the underdeveloped housing finance market, high transaction cost, lack of collateral, type of housing credit and other factors specific to the local area in West Bengal. Bank generally provide the sanction amount of housing finance directly to the customer’s account on the other side borrower repay the loan amount installment either depositing in cash directly in their account or through the online services. This study analyzes the performance of housing finance and evaluation of the borrower’s satisfaction on online services of Bandhan Bank of Nadia district, West Bengal. Using primary data collected from Bandhan Bank customer from three different villages (Chapra, Bangaljhi and Charmoktarpur) of Nadia District in West Bengal, it discusses to understand the digital housing finance and its impact on rural housing activities. The data support to estimate the approximate size of the low housing credit market and the gap between demand and supply of such credit. The findings of the paper offer better understanding about the performance of housing finance and potential to improve housing conditions to the online services of the poor people.
Keywords Housing Finance, Housing Shortage, Mortgage, Repayment Period, Online Service
Published In Volume 7, Issue 6, November-December 2025
Published On 2025-11-30
DOI https://doi.org/10.36948/ijfmr.2025.v07i06.62195
Short DOI https://doi.org/hbdskx
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