Industry • Banking & Financial Services

Banking & financial services research, from metros to Bharat.

Customer, brand, branch and financial-inclusion research for banks, cooperative banks, NBFCs, insurers, fintechs and their advertising agencies — led by a moderator team with 10+ years in banking research.

Request a proposal →Call +91 97899 76662 | +91 98846 42837 WhatsApp

Why banks and agencies choose ARS

BFSI-experienced moderatorsOur moderators have 10+ years in banking research, and several also hold academic faculty positions.

Banking advisorOur advisor Poovizhi, a retired faculty member, guides the design of banking studies.

Directors in the fieldBoth ARS directors are personally present in the field on every study.

Strict confidentialityField moderators never deal directly with the client, protecting brand and study confidentiality.

Scale when neededCapacity for samples of 1,00,000+ respondents in 15 days, with field teams speaking Tamil, Kannada and English.

Banking clientsIncluding APCOB Bank.

Research we conduct

Consumer truth & brand positioning

Qualitative and quantitative studies on how customers see banking, trust, and your brand — for banks and their advertising agencies.

Customer satisfaction & NPS

Branch, digital and relationship-manager satisfaction tracking with clear drivers of loyalty.

Branch mystery audits

Trained mystery shoppers check service, compliance, product knowledge and cross-sell at branches.

Financial inclusion & rural banking

Household surveys on savings, credit, insurance, digital payments and scheme reach in semi-urban and rural India.

Product & pricing research

Concept tests and price sensitivity for loans, deposits, cards, insurance and investment products.

Branch location studies

Catchment, deposit potential and competition studies before opening or relocating branches.

Who we work with

Public & private sector banksCooperative banksSmall finance banksNBFCs & MFIsInsurance companiesFintechs & payment appsAdvertising & brand agenciesDevelopment finance institutions

Books for loan officers, branch teams and loan applicants

Three practical books by Rajalakshmi Dhruvan, Managing Director of ARS, on MSME loans, government schemes and business opportunities in Tamil Nadu. Useful for branch and MSME teams assessing proposals, and for customers preparing to apply. Banks can order bulk copies.

Government Schemes, Loans and Subsidies for MSMEs and Start-ups in India 2026

MUDRA, PMEGP, CGTMSE, Stand-Up India and state schemes, plus how to prepare a project report banks will approve. Kindle.

Buy on Amazon

Tamil Nadu 100 Business Opportunities 2026–2030

Investment range, customers, districts, licences and schemes for 100 businesses, helpful for banks assessing business proposals. Paperback.

Buy on Amazon

50 Low-Investment Business Ideas in India Under ₹10 Lakh (2026)

Start-up costs, licences, funding options and monthly numbers for 50 small businesses. Paperback.

Buy on Amazon

See all books on the ARS Books page, or need a project report for a loan applicant? See bank-ready DPR support.

Planning a banking study?

Share your brief and get a proposal within one working day. NDAs signed on request.

Request a proposal →Call +91 97899 76662 | +91 98846 42837 WhatsApp