Business

Requirement
Document-
Agri. Gold Loan
Table of Contents:

Version Control 4
Glossary 5
Archetypes: Agri. Gold Loan 6
Proposed BRE 7
Objective – 9
Customer Personas 9
Section 1: High Level Journey - DIY –Self serve journey –DATA FLOW DIAGRAM 11
Detailed Overview: (Journey Screens) 12
1. Login Screen 12
2. Address Details: 21
3. Branch or Doorstep Details 24
4. Asset Details 28
5. Preliminary Offer 30
6. Demographic Details 32
7. Additional Details 34
8. Nominee Details 36
9. Professional Details 37
10. Document Upload 43
11. Branch visit 48
12. Branch dashboard 49
13. Disbursement Option 56
14. Congratulations Screen 59
Drop Off Scenarios. 60
List of API’s 61
Version Control

Version Author Date Amendments Reviewer

1.0 Priyanka Singh 26/07/2023 NA

Sign off Name Designation Date Sign

Bank side 24.08.2023
Bank side 24.08.2023
Glossary
This section describes the respective acronyms used throughout the document.

Acronym Description

CBOI Central Bank of India

ETB Existing to Bank

NTB New to Bank

NTC New to Credit

DOB Date of Birth

A/C Account

MDM Master Data Management

KYC Know your customer

AGL Agri. Gold Loan

DeDupe De duplication check

OTP One time password

DIY Self Service Channel -> customers can complete

the loan journey by themselves (login to
disbursement).

DLP Digital Lending Platform

SMS short message service

DL Demand Loan

OD Overdraft

TL Term Loan

NPA Non-Performing Asset

BC Business Correspondent
Archetypes: Agri. Gold Loan
Scope for Phase 1
To be addressed in future phases

Sr. No. Archetypes Scope of journey

1 Channels DIY (Internet banking/ Mobile banking)
Assisted (Branch/ BC/ DSA)
NBFC (Co-lending)/pool by out
2 Customer type ETB
NTB and NTC
Landless Laborer, Marginal Farmer, Sharecropper, Slum
Dweller, Small Farmer, Tenant Farmer, or others engaged
in allied activities including but not limited to dairy,
3 Customer Profession fishery, poultry, and piggery.
4 Loan type Demand Loan
Cash Credit
Term Loan
5 User type Valuer/BC/DSA
Branch
Customer
5 Re-KYC Re-KYC due- update in customer information
Re-KYC due- no update in customer information
6 Land API Land records available from API
Land records not available from API
Proposed BRE
S NO CRITERIA PROPOSED BRE
1 Age > 18 years
2 nationality Indians (Through Aadhaar and PAN)

3 individuals/farmers Individuals involved in Agricultural and Allied activities.

4 loan amount INR 20.00 lakh/per CIF
5 margin Depends on product type. In case of 6 months Agri. gold loan, it is
18% and in other product types, it is 20%
6 CIC score - No minimum CIC score required for ETB and NTB
- CIC report to be checked for no past default
7 Acceptable gold 1. Gold ornaments
pledge 2. Gold coins (issued by Banks only): Up to 50 gm
If the gold is of purity less than 22 carats, the same should be
translated into 22 carat and valued at the exact grams of the
collateral. In other words, jewelry of lower purity of gold shall be
valued proportionately.
If purity of gold is less than 18 karat, gold loan should not be
sanctioned
8 Nomination Mandatory for gold loan

9 Existing gold loans No more than 3 existing gold loans for ETB customers or Rs.20
lakh o/s loan per CIF.
For NTB customers also, maximum loan is Rs.20 Lakh
10 Loan tenure Demand Loan – Tenure of 6/12/18 months
Only Demand Loan for Agri. gold loan in this phase.
(Overdraft and Term Loan to be introduced in subsequent phases)
11 ROI 6-month tenure: 6-month MCLR (8.45%)
12-month tenure: 6-month MCLR + 0.15% (8.60%)
18-month tenure: 6-month MCLR + 0.30% (8.75%)
12 Documentation & NIL
inspection charges
13 Reappraisal of gold Second valuation to be done if the final valuation amount is above
loan INR 5.00 lakh after disbursement (on same day) at branch
Updated basis department comments, the second valuation will be
done above INR Rs.2.00 Lakh
14 Charges Processing, valuation, API, CIC charges will be same as per circular,
Home visit charges will be applicable for doorstep visit.
Rs.500 per visit charges for doorstep visit option (additional charges
to be confirmed basis the third-party valuer charges).
15 Price fluctuation- LLMS will maintain the table of per gram gold value and loan amount
Margin recovery in all loan accounts and debit the required margin amount from SB
account of the borrower automatically, if per gram gold loan value
decreased, to maintain 80% or 82% LTV ratio as the case may be.
System will send reminder (1st notice) message to customer and
debit the available amount from customer SB account. If there is no
balance in borrower accounts system will generate the report and
send to branches for recovery. In digital journey we will take auto
debit confirmation from the ETB borrower to recover the margin.
Objective –

This document describes the details of how the Agri. Gold Loan Self Serv and Assisted
Journey flows for CBOI.
● Section 1: High Level Journey - DIY Channel covers the DIY Journey.
● Section 2: High Level Journey - Assisted Channel covers Assisted journey.

Customer Personas

In context of Agri Gold Loan Journey, CBOI will cater to below customers personas

1. Customer Type: ETB/NTB/NTC.

2. Customer constitution: Individual.
3. Customer Profession: Landless Laborers, Marginal Farmers, Sharecroppers, Slum
Dwellers, Small Farmers, Tenant Farmers, Oral Lessees and Others
4. Type of Product: Demand Loan (DL).
5. Mode of application: DIY (Individual), Assisted (Individual)
6. Start of the journey:
A. DIY Journey Starting points through (Channels)

Channels Description

CBOI Website Upon clicking the hyperlink the user will be

redirected to a new webpage, where the user
Mobile App will start journey.

Internet Banking

B. Assisted Channels-

Channels Description

Branch Visit The customer will visit the branch and branch
users will complete the entire journey logging
in the Lentra Portal using own employe
credentials

The Individual can apply through both DIY & assisted mode.
For the DIY journey, customers would get the link from the CBOI to start the journey. The link is
sent through the Mobile app and Internet Banking.

For Assisted Journey, Customers would visit the branch with the required documents to start the
journey with the help of the branch staff. Assisted journeys can also be carried out by branch
users through tablets/mobiles on behalf of the customer.

C. BC Channel

● DIY journey (Customer Data Entry) will be assisted by BC in this channel

● A field to be captured ‘BC code’ in the DIY journey
● Once the BC Code is captured then, based on the selection the OTP is to be sent to the
respective BC and that OTP needs to be entered and verified.

The DIY journeys which are interrupted in between can be continued in the assisted mode at
the branch, i.e., if any user/customer has started the journey the same case can be completed
by the Branch provided Branch Selection is done by the customer.
Section 1: High Level Journey - DIY –Self serve journey –DATA FLOW DIAGRAM

Agri. Gold.pdf
Detailed Overview: (Journey Screens)

1. Login Screen

Fields Type Validations API Calls

Choose Mobile no/CIF Radio Only one selection

number allowed

Mobile Number /CIF textbox Mobile – 10-digit

 No. starting with +91
CIF - 10-digit validation

Get OTP button TP API - Send SMS

OTP

Loan Amount textbox >10,000

<20 lakhs

OTP textbox

T&C’s hyperlink T&C should be a Show T&C*

reference link that
should open T&Cs in a Message
popup. <<To be decided by
CBOI >>

Proceed button Dedupe on CIF/

Mobile number

Verify OTP button API-

1. CIF entry - Pull
customer details
with CIF then Pre-
populate the API
2. Mob. Entry -
1. Search CIF
through Mob. No.
2. Pull customer
details with CIF

Note:
1. Customer has to choose between mobile number and CIF using the radio button and
then enter the corresponding data in the next field.
2. Loan amount is a mandatory field on this page.
A. Case 1 (Dedupe by CIF no)
i. Customer has entered the CIF number and now he has to enter the Loan Amount.
ii. When a customer clicks on proceed/verify, an SMS would be triggered to the Mob.
No. registered with CIF and a message would be shown on screen - “Please enter the
OTP sent to xxxxxx8789” (given that (9848448789 is the CIF mobile number), If there
is no registered number linked with CIF, journey will be dropped with a message –
“No mobile number linked to your CIF, please visit the nearest branch to update
your mobile number.”
iii. Then the customer has to enter the OTP in the corresponding field to validate.
iv. This step concludes the Lead generation for the customer after OTP verification
v. Account details are pulled based on the entered CIF and if found, the response data
has to be auto populated in the subsequent journey including KYC data such as PAN
and Aadhar No.
Show a message on the screen that -

*”i” to be added below address stating that all future communication in the journey and
otherwise will be sent to the mobile number mentioned above

vi. If the customer selects Yes, then Customer is considered to be an ETB customer
hereafter and the screen capturing KYC details will not be shown.
vii. If the customer selects No, then the customer is shown a message stating, “Please
visit the nearest branch to update your KYC details.”
viii. If any of the details are missing, the customer is asked to visit the branch to update
his KYC details.
 ix. On the other hand, In case the customer is not able to verify the OTP sent on the CIF
registered Mob. due to any reason/ the information shown in the pop up does not
match with their actual details, then the customer has to visit the branch - “Please
visit the branch for further process”
x. If in case Aadhar and PAN are not available for the customer in the CBS CIF, then the
customer will input the details in KYC screen for CIC check, but the details will not be
pushed to CBS

B. Case 2 (Dedupe by Mob. No.)

i. The customer has entered the Mob. No. and Loan amount.
ii. The customer clicks on get OTP and an SMS would be triggered to the Mob. No. that
is entered by the customer on the screen.
iii. Once the OTP is verified and the loan amount is entered, and the customer clicks on
proceed, a lead will be created.
iv. Post these, two First Party APIs (Dedupe by Mob. No. and CIF individual Pulling) to
be triggered sequentially,
v. Based on entered Mob. No. trigger ‘Dedupe by Mob. No.’ API and if CIF record is
found then ‘CIF individual Pulling’ API needs to be triggered sequentially.
vi. A message is also shown on the screen -

*”i” to be added below address stating that all future communication in the journey and
otherwise will be sent to the mobile number mentioned above

vii. If the customer selects Yes, then Customer is considered to be an ETB customer
hereafter and the screen capturing KYC details will not be shown.
viii. If the customer selects No, then the customer is shown a message stating, “Please
visit the nearest branch to update your KYC details.”
 ix. If any of the details are missing, the customer is asked to visit the branch to update
his KYC details.
x. If multiple CIFs are identified, then the customer will be asked to enter the CIF
number.
xi. If in case Aadhar and PAN are not available for the customer in the CBS CIF, then the
customer will input the details in KYC screen for CIC check (Aadhar mandatory, PAN
optional), but the details will not be pushed to CBS

First Party Integration for Cases 1 and 2

1. Pull customer details with CIF - This will be triggered post mobile verification and with
the pre-condition that user has entered CIF, and this will auto-populate the
demographic data in the journey
2. Search CIF through Mob. No. - This will be triggered post mobile verification and with
the pre-condition that the user has entered Mob. No. and post this the ‘Pull customer
details with CIF’ would be triggered and this will auto-populate the demographic data in
the journey
 C. Case 3 (Dedupe failed by Mob. No.)

Aadhar is mandatory and PAN is optional

Fields FieldType Validations API Calls

Aadhar No. Text box 12 digit validation First Party API - Aadhar - Aadhar Vault
Third Party API -
Aadhar OTP EKYC

Verify OTP button Data Entry First Party API -

Dedupe on Aadhar No.

Pan No. Text box Alphanumeric code Third Party API -

with 5 characters Pan validation
alphabets (4th character
has to be “P”), 4
numeric digits, 1
alphabet

Proceed button First Party API -

Dedupe on Pan No.
Case 3a - Dedupe by Aadhaar
i. The customer enters Aadhar which is validated using OTP on Aadhar linked
mobile number and a message would be shown on screen - “Please enter the
OTP sent to Aadhar linked mobile number”
ii. Then the customer has to enter the UIDAI OTP in the corresponding field to
validate.
iii. Based on the validated Aadhar number, trigger ‘Dedupe by Aadhar number’ API
and if CIF record is found then ‘CIF individual Pulling’ API needs to be triggered
sequentially.
iv. The same ETB details message is shown on the screen -

*”i” to be added below address stating that all future communication in the journey and
otherwise will be sent to the mobile number mentioned above

v. If the customer selects Yes, then Customer is considered to be an ETB customer

hereafter and the screen capturing KYC details will not be shown.
vi. If the customer selects No, then the customer is shown a message stating,
“Please visit the nearest branch to update your KYC details.”
vii. If multiple CIFs are identified then the customer will be asked to enter the CIF
number.

Case 3b - Dedupe by PAN (if Dedupe by Aadhaar not found)

 i. The customer enters the PAN number, if available, and after PAN auth Dedupe
check based on PAN happens
ii. Based on the PAN number, trigger ‘Dedupe by PAN number’ API and if CIF record
is found then ‘CIF individual Pulling’ API needs to be triggered sequentially
iii. The same ETB details message is shown on the screen -

*”i” to be added below address stating that all future communication in the journey and
otherwise will be sent to the mobile number mentioned above

viii. If the customer selects Yes, then Customer is considered to be an ETB customer
hereafter and the screen capturing KYC details will not be shown.
ix. If the customer selects No, then the customer is shown a message stating, “Please
visit the nearest branch to update your KYC details.”
x. If multiple CIFs are identified, then the customer will be asked to enter the CIF
number.

D. Case 4 (No Dedupe found in CBS)

i. If the customer is not identified as an ETB customer in cases 1/2/3 above, they will
be identified as NTB customer
ii. Perform a ‘CKYC search’ on Cersei and if cKYC record is found, then show the details
to the customer (same pop-up as ETB identified via dedupe) and once they confirm,
trigger ‘CKYC Download’ to populate the data in the journey

First Party Integrations for Case 3:

1. Aadhar Vault API - This is used to store the Aadhar No. of the customers and will be used
to fetch Reference No. to perform a dedupe on Aadhar (another API)
 2. Pull customer details with CIF - This will be triggered post mobile verification in CIF after
Dedupe found on KYCs this will auto-populate the demographic data in the journey
3. Search CIF through KYC Id. - This will be triggered post data entry of either Aadhar or
PAN.
4. BRE for ETB customer will run after dedupe. In case the customer is not eligible for the
loan based on BRE checks then the journey will stop for the customer. Message to be
displayed “Please contact nearest CBOI Branch for further process
5. In existing customer account pulling API (accounts link with CIF), if customer is having
existing CKCC accounts (live account) with us in our record than the customer
Agriculture documents will not be verified by the branches. But it should be objectively
captured in the professional details page. Customer is having existing CKCC
accounts pop up to be shown in the journey.

Third Party Integrations for Case 3 and 4:

1. Aadhar OTP EKYC - Will be triggered post Aadhar No. is entered, and will fetch the data
viz. Customer DOB, Full Name, Address, Gender. This will be stored in the system to
perform any name match or any other BRE rule.
2. Pan Authentication - Will be triggered post the Data Entry of Pan No. by the customer
and will fetch full name, Last updated date etc.
3. CKYC search - This sends KYC IDs in the request and returns if CKYC ID is present for the
customer in the Cersai DB.
4. CKYC Download- The pre-condition for this API is to get the successful response in the
‘CKYC search’ API and send the CKYC ID in return the customer demographic data such
as Name, Address, IDs in CKYC etc.
 2. Address Details:

Note: The Permanent address will be auto populated either from CBS or Aadhaar
Note: Third party vendor/fintech company can be appointed for valuation of gold for regions
where appointment of gold valuer/appraiser in Branches is difficult. They will do the valuation
on behalf of bank and update valuation report in the journey in doorstep visit. As per the tie up
arrangement of bank, they can also source the applications. E.g.: Rupeek, India Gold,
Sahibandhu (Manipal Group), ORO gold – to be finalized and built with user department.
As of date, there is no such tie-up with fintech companies for doorstep visit for gold loans

Fields Field Type Validations API Calls

Permanent Address Line 1 Derived from CBS or Aadhaar

Permanent Address Line 2 Derived from CBS or Aadhaar

City Derived from CBS or Aadhaar

Pin code Derived from CBS or Aadhaar

State Derived from CBS or Aadhaar

Is Permanent address same as Radio Yes/No

current address button

Current Address Line 1 Details entered by customer

Current Address Line 2 Details entered by customer

City Auto Populated using Pin code

via master

Pin code Details entered by the customer

State Auto Populated using Pin code

via master

Next button Checks if all the

details (Current
address if not
the same as
Permanent
address) are
entered by the
 customer.

Once the customer clicks next -

1) The customer will be shown a pop up and asked where they would want their gold to be
evaluated, wherein they would get two options - Branch or Doorstep visit.
2) When the customer selects the Branch visit option then the customer is redirected to
the next screen wherein, they select the branch for gold loan.
3) If the customer selects Doorstep visit, then the customer will be shown the branch
name where their gold will be kept – nearest branch will be selected basis their block.

Scenarios -
Gold loan available in Gold loan available via Button/Message
nearby branches based on doorstep on customer’s
block and pin code current address

Y Y Branch Visit + Doorstep buttons

Y N No button/message directly a screen asking

the customer to select branch details.

N Y No button/message directly a screen

showing the customer the branch where
his/her gold will be kept.

Customer will be shown a message

“Doorstep valuation can be scheduled with
an additional cost of INR xx.
Do you wish to proceed, or would you like
to select an alternative branch?”

N N No button/message directly a screen asking

the customer to select branch details by
changing the state/ district.
3. Branch or Doorstep Details
Flow A: customer chooses Branch visit.

This aforementioned screen is shown to customers to select a nearby branch.

In case an ETB customer selects a branch visit, then the customer will be shown their
home branch with a message on whether the home branch offers branch valuation and
gold loan facility.
If a customer chooses to select another branch by clicking “Select another branch here”,
then they will be shown a menu (as shown below) to choose State/ District/ PIN code
and branches from the branch master where gold loan facility is available will be shown
based on the PIN code entered by the customer.
Scenarios that could be encountered -

Gold Loan in home Gold loan in nearby Outcome

branch branches

N Y Customer asked to select nearby

branches with a message that Gold Loan
is not available in home branch.

N N No button/message However, the

customer can select branch details by
changing the block or district.

Fields Field Type Validations API Calls

Home Branch Derived from CBS

Branches near Dropdown Populated on the basis of PIN code

you entered by the customer as per their
current address.

The branches shown will only be those

branches which are applicable for Gold
Loan.
 State Dropdown Auto populated from the customer’s
current address with an option to edit.

District Text box Auto populated from the customer’s

current address with an option to edit.

PIN code Dropdown Auto populated from the customer’s

current address with an option to edit.

Branches Dropdown Populated on the basis of PIN code

nearby selected entered by the customer in previous drop
area down.

The branches shown will only be those

branches which are applicable for Gold
Loan.

Proceed button The customer is taken to the next page

and simultaneously a record is created at
the branch Manager’s queue.

Flow B: customer chooses doorstep visit:

 This screen is shown to the customers to inform them where their gold would be kept
after valuation.
Master branch list to include branches where only vault is available with third party
valuer providing doorstep evaluation.

Fields Field Type Validations API Calls

Proceed button The customer is taken to

the next page.

4. Asset Details
 This screen enables the customer to enter asset details so that a preliminary offer can
be generated.
Ornament/Coin Detail contains the following fields and for each additional piece of gold
jewelry or gold coin, all the fields mentioned below will get repeated.

Fields Field Type Validations API Calls

Type of Ornament Dropdown Customer chooses from either

 Gold coin sold by bank or
Jewelry.

Type of Jewelry Dropdown Only to be shown if Details entered by the customer

customer chooses Gold from Necklaces, Bangles, Chains,
jewelry in above Earrings, Pendants, Others
dropdown
Textbox on others.

Jewelry Quantity Textbox Details entered by the customer

Jewelry Carat Dropdown Details entered by the customer

(18,20,22,24)

Net weight of Gold Textbox Details entered by the customer

ornament (approx. in
gm)

Fields Field Type Validations API Calls

Total weight of gold as per Auto Calculated by adding net weight of

customer declaration Populated each jewelry item

Value per gm of gold Auto Last 30 days PM average price to be

populated calculated (excluding the holidays)
Value to be fetched by lentra for to
22 Carat rate and 24 carat for last
30 working days. If customer selects
purity other than 22 carats, System
should convert its weight to 22
carat weight. For example, if gold is
of purity 18 karat and Net weight of
the gold is 50gm, then value of
18*50/22= 40 gm (fraction to be
ignored) should be taken into
consideration for valuation at the
rate applicable to 22 carats

Third party API- Multi Bureau

Once the customer submits Asset details, Multibureau and BRE checks will be performed on the
customer.
Bureau check in the order - Highmark, CIBIL, Experian.
In case the customer is not eligible for the loan based on BRE and Multibureau checks then the
journey will stop for the customer.
System to display message “Please visit nearest CBOI Branch”. Branch will decide whether to
sanction loan or not.
 5. Preliminary Offer

On this screen, User will be shown an offer based on the asset details that were declared on the
previous page.

Fields Field Type API Calls

Loan Amount Slider The maximum amount shown in the slider is based on
the asset details that were captured in the previous
page.
Type of Loan Auto populated DEMAND LOAN (DL) - applicable for one year wherein
the customer will repay the loan in one shot after 6,
12, 18 months.
Even pre-payment/pre-closure allowed.
Loan Purpose Drop Down Details to be entered by the customer (Agriculture,
Allied Activities, investment Credit, Others) Even pre-
payment/pre-closure is allowed.

Textbox for others

Loan Tenure Drop down 6,12 or 18 months
Interest Rate Auto Populated Details to be retrieved from BRE.
Processing fee Auto Populated Details to be retrieved from BRE.
Repayment amount to Auto Populated Details to be retrieved from BRE.
be paid at the end of
tenure
Accept button Once the customer accepts the offer, they are taken to
the Demographic details page.
Decline button In case the customer declines the offer, then the
application stops, and the details are stored.

In case the customer declines the offer, then the

customer is asked for a confirmation whether they
wish to decline the offer with a message screen shown
below.
 5. Demographic Details

Kumar Sinha

On this screen we capture individual details for CIF creation.

Fields Field Type API Calls

Title Textbox Auto populated from CIF/ Aadhar

Name Textbox Auto populated from CIF/ Aadhar

Age Textbox Auto populated from CIF/ Aadhar

Marital Status Drop Down ETB customer - Auto populated field from CIF.

NTB customer - Details to be entered by the customer

(Married/Single)

Father/ Spouse name Textbox ETB customer - Auto populated from CIF

NTB customer - Auto populated from Aadhar

Next button The customer moves to the Additional Details screen and
the details necessary for CIF creation are pushed to CBS
after the customer proceeds with Esign.

API call -
/cboi/apis/sys/v1.0/Customer/Individual
 6. Additional Details

Fields Field Type API Calls

Educational Qualification Dropdown Details to be filled by the customer from

Illiterate, Up to Matriculation, Undergraduate,
Graduate, Postgraduate, Professional

Religion Dropdown Details to be filled by the customer from

Hindu, Islam, Sikh, Jain, Buddhist, Zoroastrian

Caste Dropdown Details entered by the customer from

 General, SC, ST, OBC.

Income Category Radio Button Details to be filled by the customer from Above
Poverty Line and Below Poverty line

Physically Challenged Drop Down Details to be filled by the customer from

Blind, Deaf and/or Dumb, Orthopedic, Other
Handicapped, Not Applicable

Special Category I Dropdown Details to be filled by the customer from Victim of

Natural Calamity, Riot Affected, Ex Serviceman and
Others

Special Category II Dropdown Details to be filled by the customer from Landless

Laborers, Marginal Farmers, Sharecroppers, Slum
Dwellers, Small Farmers, Tenant Farmers, Oral
Lessees and Others

Minority Dropdown If Religion is Hindu, then Minority Flag should be 'N'

always, otherwise Minority Flag could be chosen from
Yes/No

Proceed button The customer moves to the Nominee Details screen

and the details necessary for Social Attribute enquiry
API are pushed to CBS.
 7. Nominee Details

Fields Field Type API Calls

Salutation Dropdown Details entered by the customer (Mr./ Mrs./ Ms.)

First Name of the nominee Textbox Details entered by the customer

Middle Name Textbox Details entered by the customer

Last Name Textbox Details entered by the customer

Relationship with you Textbox Details entered by the customer

Age Textbox Details entered by the customer. The Age should be

above 18 years.(mandatory check)

Next button The customer moves to the Professional Details

screen and the details are saved.
 8. Professional Details

Based on the selection above, the respective professional details screens will be visible.
Crop Cultivation
Dairy

Poultry

Fishery
Piggery

Others

Fields Field Type API Calls

Professional details / Activity type Drop down Crop cultivation, Dairy, Poultry, Fishery,
Piggery, others (specify)

Crop Cultivation

Agricultural Landowner (in case of crop Radio button Details to be filled by the customer from
cultivation) Yes/No

State Dropdown Details to be filled by the customer

District Dropdown Details to be filled by the customer

Tehsil/taluka Dropdown Details to be filled by the customer

Village Textbox Details to be filled by the customer

Survey no. Textbox Details to be filled by the customer

(Also known as Khata no. in Maharashtra,
UC ID in UP, Khasara ID in MP) Field name will change according to RBIH
input/output for the state selected

Crop Type Dropdown Dropdown to be fetched from CBS master.

Sub crop type Dropdown Dropdown to be fetched from CBS master.

Dairy

No of cows/buffaloes Textbox Details to be filled by the customer

No. of sheds Textbox Details to be filled by the customer

Gross annual income from dairy Textbox Details to be filled by the customer
(in INR)

Poultry

No of birds Textbox Details to be filled by the customer

No. of sheds Textbox Details to be filled by the customer

Gross annual income from poultry Textbox Details to be filled by the customer

Fishery

No. of Ponds Textbox Details to be filled by the customer

Pond/boat ownership Dropdown Details to be filled by the customer from

Yes/No

Gross annual income from fishery (in INR) Textbox Details to be filled by the customer

Piggery

No of pigs Textbox Details to be filled by the customer

No. of sheds Textbox Details to be filled by the customer

Gross annual income from piggery (in Textbox Details to be filled by the customer
INR)

If other specify here (Occupation)

No. of units Textbox Details to be filled by the customer

Gross annual income Textbox Details to be filled by the customer

Proceed button The customer then moves to the upload

document section and the information
necessary to create a Gold loan account is
captured.

API call-
/cboi/apis/sys/v1.0/Loans/Instant Gold
 9. Document Upload
This screen is only shown to customer in case
A) The Land record API fails for farmer entering crop cultivation details or
B) Farmer entering allied activity details.

The customer is then shown a screen to upload proof of agricultural activity in the form of Land
record, establishment license, milk collection receipt or any govt record to prove that they
belong to the Agricultural category of customers.

The document upload section will correspond to the agricultural activity details filled in the
previous page and only the relevant document upload option will be visible.

Details entered in Professional Section shown in the Document upload page

Details page

Crop Cultivation Land Records or Any government proof of activity upload

Dairy Milk collection receipt or Any government proof of activity

 upload

Poultry Establishment license or Any government proof of activity

upload

Fishery Establishment license or Any government proof of activity

upload

Piggery Establishment license or Any government proof of activity

upload

Others Any government proof of activity upload

If the land record API fails or the customer is into allied activities (and hence no digital
verification would be possible for agricultural activity), then they would have to visit the
branch for gold valuation after the desired documents are uploaded.

If the customer had chosen doorstep visit previously, he would be shown the following
message and asked to select the branch where he would like to visit for gold valuation – this
will be the same branch selection screen as shown previously.
Similar to the branch selection in Step 4, this screen will be shown to customers to select a
nearby branch.

In case he/she is an ETB customer they will be shown their home branch with a message on
whether the home branch offers branch valuation and gold loan facility, along with a filtered list
of gold loan branches in their pin code.
If a customer chooses to select another branch by clicking “Select another branch here”, then
they will be shown a menu (as shown below) to choose State/ District/ PIN code and branches
from the branch master where gold loan facility is available will be shown based on the PIN
code entered by the customer.
Flow A: Branch Visit:
If the customer selects branch visit, then after successful submission of application customer
will be shown the screen mentioned below.

Document list will be dependent on the scenarios (e.g.: If the customer is ETB and KYC
compliant, they will not be required to carry Aadhar/ PAN)

Flow B: Doorstep visit:

If the customer selects doorstep visit, then after successful submission of application customer
will be shown the screen mentioned below to confirm date and time slot for doorstep visit.
 Fields Field Type API Calls

Date Date field Details to be filled by the customer

Time Time field Details to be filled by the customer

Note: The journey breaks here for the customer and the request moves to the Branch
Manager’s queue.
The flow for doorstep valuation is not added – will be added with finalization of partner
 10. Branch visit
Once the customer visits the branch, the branch official will complete one or more of the
following steps after logging in:
Steps Description
KYC Applicable in case of NTB OR Re-KYC update for ETB

The branch representative will complete eKYC process of the customer using
biometric authentication OR will upload the KYC documents (OSV)
Document Applicable in case of Land API failure OR Allied agricultural activity
verification
The branch representative will verify the credibility of the documents
uploaded by customer and match with physical copy
Upload new documents, if required
First valuation
● The branch representative will trigger the first valuation of the asset

● Branch manager will assign the valuer to the case

● The valuer will perform the physical valuation and input the asset
valuation details
(Illustrative screens)
Second valuation Applicable in case of first valuation greater than 2 lakhs

● The branch representative will trigger the second valuation of the asset

● Branch manager will assign the valuer to the case

● The valuer will perform the physical valuation and input the asset
valuation details

The lower of the two valuations will be selected automatically

Validation to be in place for checking 2nd valuer is other than 1st valuer

BM Approval The branch manager will approve the asset valuation

In case of double valuation, the branch manager will ensure the lower
valuation has been selected
Offer acceptance & Once the case has been approved by BM, the customer will be displayed the
signing final valuation details on his DIY journey platform (mobile app/ webpage – an
SMS/ link will also be shared where he can directly land on the valuation
page).
They will approve the final offer and the e-sign link will be triggered by branch
representative
(Illustrative screens)
 11.Branch dashboard
Visible to Branch Manager/ Dy Branch Manager (Vault Teller) {Initially, details of recommending
authority/sanctioning authority to be fetched from Lend safe module}

The branch manager will be able to see the list of gold loan cases in his queue by case status

Status Description of the flow

Application This status appears when the customer has filled all the details in the DIY journey.
Submitted At this stage the Branch Manager will have access to all the details of the customer –
they can view the customer case file and the list of next steps (as listed above)
Application The status appears when the KYC and document verification has been completed
Completed
Valuation Pending The status appears when the branch manager has selected the first valuer and the
case is pending with the valuer for response
Second Valuation Applicable only when the first gold valuation has completed and is greater than 2
Pending lakhs
The status appears when the branch manager has selected the second valuer and
the case is pending with the valuer for response
[Validation to be in place for checking 2nd valuer is other than 1st valuer]
BM Decision The status appears when both first and second gold valuations have taken place and
Pending the Branch Manager is yet to accept the lower of the two valuations
Customer Decision The status appears when the Branch Manager has approved the loan amount to be
Pending sanctioned and the customer's offer acceptance and signing is pending
Disbursed The status appears when the loan amount is sanctioned and disbursed to the
customer
Valuation screen for Valuer(s)
Firstly, the branch manager will assign the valuer to the case

The valuer will input the asset valuation details in the following screen.
For each additional piece of gold jewelry or gold coin, all the fields mentioned below will get
repeated.

Fields Field Type Validations API Calls

Type of Ornament Dropdown Details entered by the valuer

from Jewelry and Gold coin

Type of Jewelry Dropdown Only if valuer Details entered by the valuer

chooses Gold from Necklaces, Bangles,
Jewelry above Chains, Earrings, Pendants,
Others

Textbox on others.

Jewelry Quantity Textbox Details entered by the valuer

Jewelry Carat Dropdown Details entered by the valuer

(18,20,22,24)

Gross weight of Gold ornament Textbox Details entered by the valuer

(approx. in gm)

Net weight of Gold ornament Textbox Details entered by the valuer

(approx. in gm)

Initial mark on gold if any Textbox Details entered by the valuer

Upload Image Image Image to be uploaded by the

valuer

Value per gm of gold Auto Details to be fetched from

Populated BRE

Total eligible amount Auto Populated Calculated by Lentra LOS -

Value per gm of gold * total
weight assessed by the
valuer.
Final Total weight to be
calculated by converting the
caratage to 22 carats
Valuation Details shown to the customer
The customer will be shown the final valuation details for his assets after the valuer has
physically examined the jewelry.

This will be visible to the customer on the same platform where they had originally initiated the
DIY journey. An SMS/ link will also be sent, directly landing on the valuation details page.

Note: UI for screens is indicative and will be modified

Once customer accepts the valuation, they will be shown the final offer screen.

Demand Loan- Bullet repayment of principal and interest at the end of tenure

Note: UI for screens is indicative and will be modified

Also display informative message as follows:

“Borrower has option to pre-pay/pre-close the loan in addition to bullet repayment at the end
of tenure.”

Field for “Other Charges” to be displayed for charges like CIC, API, Doorstep visit, Appraiser fee

Fields Field Type API Calls

Loan Amount Slider The maximum amount shown in the slider is based on the
asset details (after valuation) that were captured in the
previous page.

Type of Loan Auto populated Demand Loan - applicable for one year wherein the
customer will repay the loan in one shot
Demand Loan- Bullet repayment of principal and
interest at the end of tenure.
 Informative message to be displayed as

“Borrower has option to pre-pay/pre-close the loan

in addition to bullet repayment at the end of
tenure.”

Loan Tenure Dropdown 6,12,18 months

Interest Rate Auto Populated. Details to be retrieved from BRE based on the Type of
Loan selected.

Processing fee Auto Populated Details to be retrieved from BRE.

Repayment amount at Auto Populated Details to be retrieved from BRE.

the end of the tenure.

Repayment date Auto Populated Details to be retrieved from BRE.

Net Credit Amount Auto Populated Details to be retrieved from BRE.

Disclaimer A Disclaimer will be given at the bottom stating that the

actual repayment amount may slightly differ from the
value shown on the page subject to deviations in the
repayment date.

After the offer acceptance, the customer will proceed to e-signing.

Charges for e-stamping to be recovered first from borrower’s savings account and thereafter
only E-stamping to be completed. Payment gateway for charges recovery screen to be added.
 Esign

Note: UI for screens is indicative and will be modified

Charges for e-stamping to be recovered first from borrower’s savings account and thereafter
only E-stamping to be completed

On the above screen, Esign document will be visible to the customer - format to be finalized.

Customer will be redirected to a third party screen for eSign and eStamp
Vendor for eSign and eStamp yet to be finalized – screens to be added in Appendix post
vendor finalization

This redirected screen allows customer to

- Capture Aadhaar OTP (mobile number link with Aadhaar is mandatory)
 - Proceed with e-signature and e-stamp process

Once the customer is redirected back to CBOI screen then they can download the sanction
letter.
The key fact statement/fact sheet will be included in e-sign documents with sanction letter

Fields Validations API Calls

Proceed with e-Sign eMudhra/Legality

<<API detail to be added >>

Capture Aadhaar OTP 1. Aadhaar added in the

correct format
2. Email verification is not
required.
 12.Disbursement Option
For ETB customers with more than 1 savings account –

Note: UI for screens is indicative and will be modified

This screen enables ETB customers with more than one savings bank account to select the
account in which that they want the loan amount to be disbursed
As soon as the customer clicks “Proceed”, the loan amount will be disbursed in the selected
savings bank account
 For ETB customers with single saving account OR for NTB customer –

Note: UI for screens is indicative and will be modified

● New savings bank account to be opened for NTB customers

● As soon as the customer clicks “Proceed”, the loan amount will be disbursed in the
savings bank account

Fields Validations API Calls

Account holder’s Derived from CBS

name
API call -
cboi/apis/sys/v1.0/Customer/{CIFNum}/AccountPulling

Account number Derived from CBS

API call -
 cboi/apis/sys/v1.0/Customer/{CIFNum}/AccountPulling

Branch Name Derived from CBS

API call -
cboi/apis/sys/v1.0/Customer/{CIFNum}/AccountPulling

Branch Address Derived from CBS

API call -
cboi/apis/sys/v1.0/Customer/{CIFNum}/AccountPulling

Submit The following APIs will be executed -

Step 1: Post a record to CBOI CBS to create a CIF, SB Account in

case of NTB and Loan Account for ETB, NTC, NTB.

Step 2: Push approved loan amount information in CBS

Step 3: Push disbursement schedule in CBS Term loan account

Step 4: Push repayment schedule in CBS term loan account

Step 5: Initiate Disbursement Request to CBS

Step 6: Initiate cKYC upload.

Note - If the customer drops at any stage or screen, the customer would be able to resume
his/her journey from that stage/screen.
 13.Congratulations Screen

Note: UI for screens is indicative and will be modified

Fields Validations API Calls

Account number Derived from CBS

Amount Derived from CBS

This will be done via first party Integration.

Drop Off Scenarios.

In all these scenarios, system to display message “Visit nearest CBOI Branch for further process”

Sr no Scenario Description

1 In case NPA enquiry API rejects an ETB Based on the response of NPA enquiry API
customer. service, if an ETB customer is not qualified
then the journey should not proceed.

2 Upon Modification of Personal Details For customers where Re-KYC is required, if

any personal detail is modified, the Self-Serve
Journey should not proceed further, and
customers should be asked to contact the
nearest branch.

3. Offer Rejected If the customer rejects the preliminary offer,

then the DIY journey should end.

4. In eligibility post BRE If BRE Disqualifies the customer, the DIY

journey should end.

5. Final Offer Rejection In case of rejection of the final offer, the DIY
journey should end.

6. No mobile number in CBS In case the customer starts their journey with
CIF number but has no mobile number linked
with the CIF number then the customer’s
journey will be terminated.
Business Rules (Applicable for all channels)
CBOI_AgriGold_BRE_Functional Specification_V2.docx

List of API’s
CBI APIs - Agri Gold

The below table captures the different service that are to be used in the Agri Gold loan Journey.
Third party API charges will be debited from customer SB accounts as per API charges rate.

First Party

Request
Type
(Get/Post/P
API Description ut) Remarks
/Customer/{MobileNum}/MobileNumber Dedupe by Mobile No Get
/Customer/{CustNum}/Individual CIF Pulling Individual Get
/Customer/{CustNum}/ReKYCDetails ReKyc Get Details Get
Aadhaar vault API
/cboi/apis/sys/v1.0/Customer/{IdNum}/
{IdTyp}/DeduplicationKYC Dedupe by KYC Get
/cboi/apis/sys/v1.0/Customer/{CustNum}/
Individual CIF individual pulling
/cboi/apis/sys/v1.0/Customer/{CIFNum}/
AccountPulling Account pulling
TBD NPA enquiry
/cboi/apis/sys/v1.0/Customer/{CustNum}/
ReKYCDetails ReKYC get details
Social Attribute
TBD Enquiry API
For sb
accounts
TBD e-KYC/ V-KYC API opening.
 Individual customer
/cboi/apis/sys/v1.0/Customer/Individual creation
cboi/apis/sys/v1.0/Customer/ Document Upload
DocumentUpload (CKYC upload)
/cboi/apis/sys/v1.0/Deposits/SavingAccount

Open savings account

/cboi/apis/sys/v1.0/Customer/
SocialAttributesLink Social attribute linking
Create Gold Loan
/cboi/apis/sys/v1.0/Loans/InstantGold account
cboi/apis/sys/v1.0/customer /document Document renewal
renewal API
Recovery of
processing charges,
API charges, and
valuation charges
from customer’s SB
accounts.

Third Party

1.CIBIL

2.AADHAAR AND PAN , ckyc search

2. Hunter

3. eSign - a. Trigger request

B. Status check. (applicable in assisted mode)
API Retry Mechanism:

There are two categories of failure in first-party integration. The first category pertains to data
validation, while the second category involves internal server errors and an excessive number
of requests. In order to address the second type of failure, we intend to propose the following
approach to the customer:

When encountering the second type of failure, the system will make Threshold attempts
(configurable) to retry the process, with each attempt spaced an interval of x time interval. If
the system is unable to successfully process these requests after the threshold retry, it will
update the status in the Loan Origination System (LOS), and the case will be made available in
the Branch Manager Enquiry queue for repushing.