NEEV Training Flash Cards

Front

What is NEEV?

Back

Foundation program for new team members that builds knowledge of MOHFL products & processes, focusing on Credit Policy, Sales Discipline, and FTR.

Front

What are the key focus areas of NEEV training?

Back

1. First Time Right (FTR) Login 2. Credit Policy Basics (FOIR, LTV, CIBIL) 3. Sales Process Discipline 4. Property & Documentation Check 5. Customer Handling & Compliance

Front

What is the target for First Time Right (FTR) across branches?

Back

90%+ FTR across branches.

Front

What is the formula for FOIR?

Back

FOIR: EMI ÷ Net Income ≤ policy limits.

Front

What is the formula for LTV?

Back

LTV: Loan ÷ Property Value ≤ allowed %.

Front

What are the CIBIL score categories?

Back

Prime: 700+ Near Prime: 650–699 Sub Prime: <650 (needs deviation approval).

Front

What are the Deviation Escalation Levels?

Back

L1 → L6 approvals depending on risk & exception; always document justification clearly.

Front

What should be verified with the Property papers?

Back

Verify with checklist.

Front

What should the CAM capture?

Back

Income, family, repayment intent; should be simple, factual, and complete.

Front

What is the NEEV Pledge?

Back

1. Follow Policy 2. Ensure FTR 3. Respect Timelines 4. Focus on Quality, not Quantity.