Loan EMI Stress & Repayment Strategy Survey
Retail borrowers evaluate, compare, and navigate EMI affordability, repayment tenure, and restructuring options across lenders, so you can sharpen acquisition targeting, fix repayment-stage retention, and benchmark pricing against borrower willingness to pay.
CONTEXT & RELEVANCE
Why run this survey now
Most lenders don't lose borrowers purely on interest rate. They lose them due to EMI rigidity, opaque restructuring options, misaligned tenure choices, poor stress communication, and weak early-warning triggers, none of which fully show up in repayment dashboards or delinquency reports.
If you are...
- Retail lending product head
- NBFC vs bank competitor
- Credit risk policy lead
- Collections strategy manager
- Consumer lending growth head
You're likely facing...
- EMI burden vs income mismatch
- Restructuring uptake: low awareness gap
- Banks = rigid/safe perception
- NBFCs = flexible/costly perception
- Pre-default drop-off: no early signal
This will help answer...
- Stress trigger points by segment
- Restructuring preference vs awareness gap
- Tenure vs EMI trade-off
- Switching triggers at renewal
- Lender trust by borrower profile
RESEARCH THEMES
What This Survey Investigates
Eight interconnected research themes that map the complete borrower journey from loan origination to full repayment closure.
Stress Onset & Triggers
- Income disruption, expense shock
- First missed EMI circumstances
EMI Burden Profile
- EMI-to-income ratio range
- Active loan count, tenure mix
Lender Engagement
- Proactive outreach, response timing
- Relationship manager accessibility
Restructuring & Relief
- Moratorium uptake, restructuring terms
- Partial payment, tenure extension
Repayment Prioritisation
- Loan hierarchy, default sequencing
- Discretionary spend trade-offs
Coping & Workarounds
- Informal borrowing, asset liquidation
- Side income, expense deferral
Credit Score Impact
- CIBIL score awareness, delinquency fear
- Bureau reporting, future credit access
Recovery & Resilience
- Time to full repayment normalcy
- Behavioural change, future loan intent
SAMPLING STRATEGY
Tell us about your ideal sample
Help us understand your target respondent profile. Select what applies, we'll design the optimal sample plan based on your inputs.
METHODOLOGY
Survey approach
For the Loan EMI Stress and Repayment Strategy Survey, we recommend a quant-first design with flexible data-collection modes to balance reach, depth, and verification across borrower segments.
EXECUTION PROCESS
How we execute
A proven 9-step process from scoping to delivery, designed to ensure quality, speed, and actionable insights.
Define the decision frame
Confirm objectives, target cohorts, geographies, and reporting cuts
Define the decision frame
Design the instrument
Build workstream modules mapped to outputs (drivers, friction, pricing, retention, trust)
Design the instrument
Lock the questionnaire
Review wording, sequencing, LOI, and competitive context; approve final version
Lock the questionnaire
Pilot and calibrate
Test comprehension and ease quality; refine quotas and remove friction where needed
Pilot and calibrate
Run fieldwork
Execute collection with active quota management and feasibility controls
Run fieldwork
Assure quality
Dedupe, attention checks, speed/consistency rules, removals with audit trail
Assure quality
Prepare the dataset
Clean data and deliver codebook/variable definitions
Prepare the dataset
Analyse and synthesise
Driver ranking, leakage diagnostics, pricing bands, segment insights
Analyse and synthesise
Deliver and align
Executive deck (optional dashboard) and leadership readout with recommendations
Deliver and align
COMMERCIAL TERMS
Request a Commercial Proposal
Pricing depends on cohort, geography, sample size, approach, LOI, and deliverables. Configure below for an indicative estimate.
Select Sample Size
Geography
Select Mode of Survey
Length of the Interview
$0.00
+ applicable taxes
Cost Breakdown
Note: Estimate is indicative only. Final pricing is subject to scope finalization after discovery call.
REFERENCE CASELETS
Reference
Real-world examples of survey work in the retail lending and personal finance space.
Personal loan restructuring triggers & borrower segment mapping (India)
OBJECTIVE
WHAT WE DID
DELIVERED
Personal loan restructuring triggers & borrower segment mapping (India)
Home loan prepayment intent & channel preference study (West India)
Personal loan restructuring triggers & borrower segment mapping (India)
OBJECTIVE
A digital-first NBFC needed to identify which salaried borrower segments were most likely to request EMI restructuring , and what income shocks, tenure preferences, and lender-switching intent drove those requests across Tier 1 and Tier 2 cities.
WHAT WE DID
Ran a structured quant survey across 600 active personal loan holders, capturing income volatility events, missed EMI frequency, restructuring awareness, preferred repayment tenure, and likelihood to approach a competing lender within the next 6 months.
DELIVERED
A borrower stress segmentation framework ranked by restructuring propensity, a trigger map linking income shock types to repayment behaviour shifts, and a set of retention levers prioritised by segment and outstanding loan size.
FREQUENTLY ASKED QUESTIONS
Common Questions
Answers to frequently asked questions about this survey mandate.
What decisions will this survey enable?
Who is the buyer vs who are the respondents?
Can we see differences between salaried borrowers, self-employed borrowers and gig-income borrowers?
How will you measure repayment prioritisation beyond simple ratings?
Will the survey map the full loan repayment journey and drop-offs?
Can this survey inform product and pricing strategy?
How will findings improve our collections and retention messaging?
Still have questions?
Schedule a discovery call to discuss your specific needs and get a custom quote.