CV_Prefr Derog Rules

• Income > 18,000 on Salaried & 20,000 on Self-employed

• Age: 22 to 55
• CV Serviceable pin codes only
• Bureau score >= 675 - CIBIL (Only Existing to Credit)
• No Suit filed and WD accounts (both active & closed)
• Reject/Filter Out if:-
• maxDpdLast36Month>=90
• maxDpdLast24Month>=60
• maxDpdLast12Month>=30
• max inquiries in Last7Days>=2
• atleast one PL availed in the last 3Months (account type-5, PL)
• Total overdue max> 5000 (including loans & CC- both active & closed)
• Reject if only PL in the credit history with amount < 20000 (Any customer with
only PL(s) with less than 20K should be rejected. For example, a customer who has
taken 2 PLs for 10K and 18K respectively should be rejected whereas a customer
with a CD of 10K and PL of 18K can be approved).