Page 11 - business%20kit%20print%20-%20V.6%2005.11.18

VERIFICATION Office FI Refer - Other reason RCM
DV Refer for Salary Slip & Form 16 s.t. credits in Bank
ACM
statement & Positive DV of Bank statement
NCM
Red/Deep Red cases categorized by Fraud Analytics
Funding on Hospital NCM
NCM
Change of Usage of Property
COLLATERAL Waiver of sanction plan (Residential Properties) ZCM
Waiver of property related document
NCM
Deviation from sanction plan

Age of property / residual age not as per norms NCM
NCM
Bank statement - Inward bounce not as per norms ZCM
Variable income considered higher than norms
(up to 75%) ZCM
Other income more than 100% of main income ZCM
ELIGIBILITY Loan amount more than program cap NCM

FOIR up to 100% for Cash Profit Program
ZCM
FOIR up to 70% in Salaried cases

Profit / Turnover / Receipts declined more than 20% up ZCM
to 30% ZCM
D/E ratio > 3 however < 4 ACM
D/E ratio > 4 however < 5 RCM

D/E ratio > 5 NCM
Banking Turnover < 75% and > 50% of Net Annual Turn- RCM
over

Banking Turnover < 50% of Net Annual Turnover NCM
If gap in 2 ITR Filing is less than 6 months ZCM

Savings Account considered for Banking based program ZCM

VERSION - 6 11