Credit Appraisal Memo (CAM)

Application Date DD/MM/YYYY <As per Loan Details> FCU Verification Negative
Applied Loan Amt Rs 2500000 <As per Loan Details> Appraised Loan Amt Rs ₹ 2,500,000
Application ID As per LOS system <Auto generated> Insurance ₹ 12,000
Branch/Satellite Name Andheri <As per Loan Details> Final Loan Amt Rs ₹ 2,512,000
Industry Services <As per Loan Details> ROI (p.a.) 17%
Sub-Industry Automobile -Dealers <As per Loan Details> Tenor (Years) 10
Product LAP <As per Loan Details> Asset /Collateral Type Industrial
Product Category Affordable Segment LAP <As per Loan Details> EMI Rs ₹ 43,449
FI Verification Positive Drop Down Scheme Banking Program

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Step 1 Maker , Approver concept

Step 2 Approve/Reject /Return /Recommend/Forward will come under the que of Approver only

Approve Reject Return Recomm

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Recommend Loan Eligible

Recommended Loan Amt 2000000 Final ROI

Insurance Amt 50000 Final Tenure
Final Loan Amt with Insurance 2050000 Final EMI Amt
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<As per Loan Details>
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pmt Function EMI FORMULA
<As per Loan Details> Normal Income Program
Banking Program
Rental Income Program
Industry Margin Program
Liquid Income Program
Assess Income Program
Low LTV Program
Emi Multiplier Program
Balance Transfer Program
Top Up
Lease Rental Discounting
New/ Existing
Diwali Bumper Offer
que of Approver only

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<PMT Logic>
 Credit Appraisal Memo

Login Date ### Loan Recommended 2500000.00

Loan Amount Applied 2500000.00 Insurance

Application ID Total Loan 2500000.00

Branch Andheri ROI 17.00%

Industry Sector Services Tenor (Years) 10

Industry Type Automobile -Dealers Industry Margin 3.30

Property Type Commercial Monthly Installment 43449

FI Verification Product Loan Eligibility Banking Program

FCU Verification Deal Type Non Exclusive

S. No Applicant Name Constitution/ Shareholding Credit Score Date of Incorporation/ DOB

Age
Relationship

1 Ankit Ramashankar Bharati 100% 696 28

2 Amit Ramashankar Bharati 711 30

Sr No Applicant 1st Name Middle Name Last Name Date of Incorporation/ DOB

Individual Applicant
1 Ankit Ramashankar Bharati
Individual Co-Applicant
2 Amit Ramashankar Bharati
Individual Co-Applicant
3
Individual Co-Applicant
4
Non Individual
5
Non Individual
6
Non Individual
7
Non Individual
8
Non Individual
9

Residence/Office Owned Yes Any Other Property within Limits No

Business Vintage 4 Office Stability

Social Media Score Risk Score

DPD in Last 3 Months Loan from other borrower in last 3 Months(in No)
 No of Enquiry in Last 3 months 6 Valuation 1 0

Insurance Premium Valuation 2

Customer's Background and Business

Profile and Supplier
Business Model( Including reference to
current POS machine)

End Use of Funds

Customer has Maintained Bank Account in 50200046027018 and has account in
1343102000013086 and also has account in
Total Amount of Consolidated Banking Credit is of Rs 68036750 of which Card Sales is of Rs
Banking Comments 2841904
Total No of Settelments in last 12 Months is 45

I/W Bounce is at 0% and that of Outward Bounces is of 0%

CIBIL and Other Loan Details Avg No of Bad Days in a Month are 4008918.08 and Median Card Sales is of Rs 414254.87

Additional Details

Deal Merits.

1 Margin in the business is more than 10% on actual basis

Concerns, If any

Deviation

Sr. No. Deviation/Risk Mitigant

Co-applicant taken Education Loan of Rs. explanation letter attach for reference. This fresh Education loan
1 4,00,000/- there is highest DPD of 121 days & SUB Co-applicant serve regularly.
Seen in this loan
Applicant taken Mudra Loan of Rs. 50,000/- there is Mudra loan is Applicant First Loan. Closure proof from bank of
2 India attach for reference.
DBT & SUB Seen in this loan.
& 12 Months - 6 , 24 & 32 enquiry respectively As per applicant & Co-applicant they require loan for purchase of
3 seen. & In Co-applicant CIBIL Report last 3 Bulk Two Wheeler from Dealer & they get huge discount from
months, 6 months & 12 Months - 22 , 32 & 36 dealer.
4

Sanction Conditions
Self Attestation on all Documents
1
Gift Deed in the name of Mr. Ankit Ramashankar Bharati require before disbursement
2