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Kultur Dokumente
Objectives
To understand the commercial, financial
and technical viability of the proposal
proposed and its finding pattern
Scanning
Disburse
the Loan
Fix
Charge
Recommendatio
n Over ( ROVR)
Methods
Appraisal Process
Appraisal Process:
Files Processed
1. Salaried Person.
2. NRI Sustainability Ratio.
3. Self Employed Person.
Net Profit Method.
Gross Profit Method.
RTR Method.
Value Plus Method.
Gross Receipt Method.
Lease Rental Method.
Name
Occupation
Capacity Ratio
Loan Eligibility
Person 1
Software Engg
(NRI)
Eligible
Person 2
Packaging Firm
Owner
(NRI)
Eligible
Co - Owner
Car Parts
Manufacturing
Company
IIR=50%
FOIR=50%
LCR=72%
Double Whammy=122%
Eligible
Partner
Carbide Industry
IIR=69%
FOIR=69%
LCR=67%
Double Whammy=136%
Not Eligible
IIR=50
FOIR=50%
LCR =120%
Double Whammy = 170%
Not Eligible
Ratios
Ratios
Formula (*100)
Eligibility
Criteria
Person 3
FOIR
(Fixed Obligation to
Income Ratio)
IIR
(Instalment Income
<=50%
Person 4
EMI
Total Gross Income
<=50%
Ratio)
LCR
Person :
Capacity Financial Resources.
Inclination Willingness to Pay
Double whammy
Property:
To check documents for the creation
of security
Parameters Considered
Last three months Original Salary Slip /
Certificate and Form 16 Self Attested
Gross Profit
Method
Credit Hub
Data Entry
Login
Application
NRI
Sustainability
Ratio
Salaried
FOIR + LCR
<=(80-90)%
>=30
Total Gross Income
NA
RTR Method
Lease Rental
Method
NRI Sustainability
Ratio
Learning
Person 5
Person 6
Self Employed
Travel Agency
NA
Eligible up to
1.23 Crores
Person 7
IT
Employee
NA
Eligible up to
13.71 lakhs
Person 8
Telecom Industry
Employee
NA
Eligible up to
40.55 lakhs
Self Employed
Coffee Shop
Owner
<=140%
Gross Receipt
Method
Conclusion
Turn Around Time (TAT) is high for the processing of
files and causes major problem for the customers
Calculated the Eligibility of the 9 Customers in which 2
were not eligible for the loan
Each method is suitable for the different profession of
the customer. We cant differentiate the best among the
methods