Page 10 - business kit print - V.5 17.9.18.

03 - Deviation GRID

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

Delinquency : Loan Tracks : ≤ 1 years (Non-Technical NCM
Reason DPD)
PROFILE Negative Profile NCM
Norms for employee of Pvt Ltd. Co. not met - s.t. min.25
ACM
Empl, salary credit in bank, 3 years work exp.
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) RCM

DOCUMENTATION Bank statement not as per norms (in case of digital ZCM

statements)

Verification Waiver NCM
Negative FI ZCM
Negative document verification NCM
Negative FCU NCM
Refer FI
RCM
VERIFICATION Refer document verification RCM

RCM
Refer FCU
Negative Seller FI
RCM
Office FI Refer s.t. official email confirmation
Office FI Refer - Other reason ACM
RCM
DV Refer for Salary Slip & Form 16 s.t. credits in Bank ACM
statement & Positive DV of Bank statement
DV Refer - Other reason ZCM

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