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03 - Deviation GRID

Borrower age norms not met ZCM
Work Experience norms not met ZCM
Minimum income norms not met NCM
Borrower Geo limit norms not met NCM
Income - Property ownership norms not met ZCM
Caution Profile ZCM
Negative CIBIL of Seller RCM

Nil credit history of income contributor RCM
Employees of Trust/Society/NGO and Physical PD waiver ZCM
Minimum education criteria not met RCM

Norms for employee of Pvt Ltd company not met and RCM
Physical PD waiver
PROFILE CIBIL Score less than 600 for any applicant / co-applicant ZCM

CIBIL Score is “0” ,“-1” or Score 1 to 6 of income
contributor RCM
Delinquency : Credit Cards : > 1 years but ≤ 3 years | s.t ACM
Clean Loan Track of 6 months in past 12 months
Delinquency : Credit Cards : > 1 years but ≤ 3 years |s.t
Clean Loan Track of 6 months in past 12 months not RCM
available
Delinquency : Credit Cards : ≤ 1 years RCM
Delinquency : Loan Tracks : > 3 years| s.t Clean Loan
Track of 6 months in past 12 months ACM
Delinquency : Loan Tracks : > 3 years| s.t Clean Loan RCM
Track of 6 months in past 12 months not available
Delinquency : Loan Tracks : > 1 years but ≤ 3 years | s.t
Clean Loan Track of 6 months in past 12 months ZCM
Delinquency : Loan Tracks : > 1 years but ≤ 3 years | s.t
Clean Loan Track of 6 months in past 12 months not ZCM
available

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