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Goutham M, CB.BU.P2.

MBA15039; Ajay Varma, Regional Manager, HDFC Ltd;


Dr. P. Balasubramanian, Professor, Amrita School of Business, Coimbatore.

Objectives
To understand the commercial, financial
and technical viability of the proposal
proposed and its finding pattern

Conditions for Methods

Stages of Home Loan

Scanning

Appraising the customers file and to check


for the eligibility to avail loan

Disburse
the Loan

Double Checking Over


(DCOVR)

Fix
Charge

Recommendatio
n Over ( ROVR)

Last 6 months Bank statements of all


accounts with self attested

Methods

Current CIBIL Report of customer


Original
Encumbrance certificate of the property,
Title deeds, Parent Documents

Appraisal Process
Appraisal Process:

The appraisal process in the HDFC Ltd is very


rigid. The process of appraising the credit
worthiness of the customer to avail loan.
Initial due diligence and financial analysis of
the customer
Depending on the professional of the
customers various methods was used by the
HDFC Ltd for appraisal

Commercial Appraisal Process


Technical 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)

HDFC EMI of income = 29%


EMI % Month end Bank
Balance=47%
Sustainability Ratio =35%

Eligible

Person 2

Packaging Firm
Owner
(NRI)

HDFC EMI of income = 28%


EMI % Month end Bank
Balance=17%
Sustainability Ratio =104%

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

Fixed Obligation Amt


Total Gross Income

<=50%

Person 4
EMI
Total Gross Income

<=50%

Ratio)

LCR

Financial Appraisal Process

(Loan To Cost Ratio)

Person :
Capacity Financial Resources.
Inclination Willingness to Pay

Double whammy

Property:
To check documents for the creation
of security

Consider last 3 years of profit (50%), Interest


Income (50%) and last years rental income (75%)
for the calculation of Net Income.

Consider last 3 years average Net taxable Income


Value Plus Method for greater than 2 lakhs. Proposed EMI should be
serviced in last 12 months.

Parameters Considered
Last three months Original Salary Slip /
Certificate and Form 16 Self Attested

Gross Profit
Method

Credit Hub

Data Entry

Login

Application

Net Profit Method

Consider last 3 years average of Net Profit (100%),


50% of the Deposits, last year rental income(75%)
for the calculation of Net Income.

NRI
Sustainability
Ratio

Salaried

Total Loan Availed


Property value Amount

FOIR + LCR

<=(80-90)%

>=30
Total Gross Income

Latest Gross income


* FOIR
EMI per 1 Lakh

NA

RTR Method

Average cash profit in last 2 years > 2 lakhs .


Business should be successful for 5 years at least.

Lease Rental
Method

For good corporate franchise. EMI should not be


higher than the 81% of the Rental Income.

NRI Sustainability
Ratio

Balance in the salary account or the sum balance of


the salary account NRE account should be greater
than the EMI amount in last 6 months.

Learning

Learned all the internal steps taken by the firm for


scrutinizing the customer details and credentials
Perceived about various aspects of HDFC Ltd
Known the various documents used in the HDFC Ltd for loan
purpose

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

Balance after HDFC EMI

Fixed Obligation amount including the proposed


EMI should be less than last years cash.

Understood the loan appraisal process in standardized home


loan application

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

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