Initial Eligibility(Go-No-Go):

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1. Customer is not minor (i.e. age >=18 years)
2. CIF of customer is KYC Compliant
3. CIF is Active
4. Customer's Mobile no. is available.
5. Customer's Address Line 1 contains minimum 5 characters.
6. In Customer Address PIN, City, District, State values are available and PIN should match
with concerned State.
7. Resident Indian
8. Customer's should have Last name and it should not have any special character or
number (for CIC check).
9. Salary Package Customer
10.If account is flagged as CSP, then check Employer Code is present.
11. No two ongoing Xpress Credit loan A/Cs (including PAXC) of customer should exist.
12. Risk Grade of existing loan (excluding closed accounts) is/are below RG2
13. None of the loan account of customer has been written-off in last 5 yrs. (Check WRIT-
TEN_OFF_FLAG if it is Y then check AUCA_WRITTEN_OFF_DATE it should not lie between 5
years from current date.)
14. Not more than 1 RG3 history in last 6 months (open + closed)(if any two instances of RG
status greater than 2 in last six months has been found , it should be a No Go.)
15. At least one OVD of customer is available.
16. PAN or OVD (any one out of Passport, Voter ID, Driving License) to fetch CIC report.

RTXC/DXC Identification:
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1. Age less than 58 years

2. Account aged > 6 months
3. Single name account
4. PAN available
5. If account is flagged as CSP, then check Employer Code is present.
6. Customer input in 'Nature of Employment' is Permanent and matches with CBS data.

Additional Detail:
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· RLMS will send the applicants Salary Account Number, Salary Account Branch Code, Salary
Package Name, Customer Category (PSS Exempted/ Non-Exempted).
PSS waived category, rules are as below:(If Below conditions satisfy then PSS Exempted
otherwise Non-Exempted)
Customer should belong one of the below 4 categories
1. VIP flagged
2. DSP/PMSP/ICGSP
3. Customers meeting all the following criteria:
- XC customer (both opened and closed)
- PAN no in CIF &
- Aadhaar no in CIF

DDE Eligibility:
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1: Marital status
2: Email Id
3: Cisla check (Below property should not be empty)
Occupation Code
UnconditionalCancellabilityOfLimit
BankingArangementForFacility
SocialAttributes1 or SocialAttributes2 or SocialAttributes3 or SocialAttributes4 or
SocialAttributes5 value should be available.
4: Salary package account product code should be RTXC eligible.
5: salary account branch code should be in DDE eligible state.