Credit Assessment

Achin is a self-employed applicant. He is running his business for the past 2 years. He is 24 years old and earns 40k per month. Can we process his loan application, if yes, are there any additional requirements? (common policy parameters)

• Yes, no additional requirements
• yes, with earning co-applicant
• No
• None of the above

Aayush lives in NCR on rent for the past 8 months. He is salaried and working in a multi-national company for the last 6 months but overall work experience is 10 years. What is the minimum city stabiity required in this case. If the criteria is not met, what addtional conditions are required to be fulfilled? (common policy parameters)

• 12 months city stability, 1) Permanent address OHP or 2) Guarantor with permanent address
• 12 months city stability, 1) Permanent address aadhar 2) Guarantor with govt. job in the same city
• 12 months city stability, 1) Permanent address OHP or 2) Guarantor with govt. Jobt
• None of the above

Under what circumstances will the current residence FI be required in GS cases? (common policy parameters)

• All cases
• Only where the city stability is less than 12 months
• Only in case of negative profiles & negative areas
• None of the above

Which of the following options can be used as an alternative to an Office FI for salaried cases? (common policy parameters)

• Official mail ID confirmation
• EPFO Check
• VPD
• All of the above

Ayesha is a married female applicant and is salaried. She works in a small shop, receives her salary in cash and doesn't have the required income documents such as salary slips etc. What are the additional requirements to be fulfilled to process her loan application? (common policy parameters)

• Creditworthiness check of spouse
• Creditworthiness check of father
• earning co-applicant
• No extra requirements

Please check if the customer with the following criteria can be offered loan under Green channel policy? New to credit customer || Salaried - IP || Income -20K || AQB - 2K

• Yes
• No

Achin is a new to credit customer and has applied for loan. What criteria is required to be fulfilled by him to be eligible under green channel cases? (dealer channel cases)

• Income>25k AQB>3k
• Income>25k AQB>1k
• Income>35k AQB>2k
• None of the above

Aayush has a CIBIL score of 750. He is salaried and earns 30k per month. His AQB is 4k and his FOIR is 65%. He has selected a KIA seltos worth Rs 13.5 lacs. Can we process the loan application under Green channel policy?

• Yes
• No

Aayush has a CIBIL score of 680. He is salaried and earns 17k per month. His AQB is 2k and his FOIR is 65%. He has selected a KIA seltos worth Rs 10. He is 21 years old. Can we process his loan application under IP policy. If yes, what are the additional criteria required to be fulfilled?

• yes, with co-applicant
• yes, with earning co-applicant
• No

Aayush has a cibil score of 720. He earns 25k per month and has his own house. He has just credit card history in CIBIL and has never taken any other loan before. Can we process his loan application under IP policy?

• Yes
• No