Page 11 - business kit print - V.5 17.9.18.

Funding on Hospital NCM

COLLATERAL Waiver of sanction plan (Residential Properties) ZCM
NCM
Change of Usage of Property
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
Loan amount more than program cap NCM
ELIGIBILITY FOIR up to 100% for Cash Profit Program ZCM

ZCM
FOIR up to 70% in Salaried cases
Profit / Turnover / Receipts declined more than 20% up
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
Repayment from account other than salary or main RCM
business account NCM
PRODUCT NORMS PF cheque bounce ZCM
BT from non-approved banks / Cooperative banks

ABB norms not met in LIP Program
ZCM
Up to 5% LTV deviation - LAP (SORP/SCOP), LAP-
Commercial (Rented) and HL BT + Top-UP (SORP)
where Top-Up is more than 20% of BT amount ZCM

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