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03 - Deviation GRID

Delinquency : Loan Tracks : ≤ 1 years (Technical Reason RCM
DPD)

Delinquency : Loan Tracks : ≤ 1 years (Non-Technical ZCM
Reason DPD) - Only one instance of DPD.
Delinquency : Loan Tracks : ≤ 1 years (Non-Technical NCM
Reason DPD) - More than one instance of DPD.
Negative Profile NCM
Norms for employee of Pvt Ltd. Co. not met - s.t. min.25
Empl, salary credit in bank, 3 years work exp. and ACM
PROFILE Physical PD waiver
Employees of partnership / proprietorship firm(Income
share < 25% of total Income considered) RCM
Employees of partnership / proprietorship firm(Income
share > 25% of total Income considered) NCM
Media and Employees of Media Industry (News channel
and New papers) ZCM
DOCUMENTATION Bank statement not as per norms (in case of digital ZCM

statements)

Verification Waiver NCM
Negative FI ZCM

Negative document verification NCM
VERIFICATION Refer FI RCM
Negative FCU
NCM
RCM
Refer document verification
Refer FCU
RCM
Negative Seller FI RCM
Office FI Refer s.t. official email confirmation ACM

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