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03 - Deviation GRID

Repayment from account other than salary or main RCM
business account
BT from non-approved banks / Cooperative banks NCM
PF cheque bounce ZCM

ABB norms not met in LIP Program ZCM
Up to 5% LTV deviation - LAP (SORP/SCOP), LAP-
PRODUCT NORMS Income under Industry Margin Program capped > 3 ZCM
ZCM
Commercial (Rented) and HL BT + Top-UP (SORP)
where Top-Up is more than 20% of BT amount
times and up to 4 times of Cash Profit

Short OCR Receipts : OCR Deferment Scheme : All other
scenarios NCM

Short OCR Receipts : ≤ 20% RCM

Short OCR Receipts : > 20% NCM

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