- BAJAJ credit FINSERV Think it. Done |AJ FINANCE PL product policy It offer PL to all Salaried employees Govt & Pvt Income Norms : Minimum : 700 Bachelor Accommodation ~ Hostel / PG Age Norms : Minimum : 25 Yrs Maximum : 58/ 60 as per state Govt policy. Employment : Minimum total Employment 6 Months required Minimum loan amount : 1L. Max loan amount : 25L. Balance Transfer : NO. Credit eard BT: NO. MCA Registration : Minimum 2 Yrs required. Partial payment : 2% Preclosure charges : Allowed after | months at 4% Tenure : Minimum : 12 Months Maximum : 84 Months Co-applicant / Joint loans in CIBIL obligation is not considered if the applicant is not the primary applicant in the loan and the EMI is paid by co-applicant account ( with Co -applicant pay slips and bank statements on file). FOIR Norms: Above 50K+HL live closed FOIR 70% Above SOKNTH without HL FOIR 65% Less than 50K NTH with or without HL FOIR 60% Yearly bonus can also be added for calculation RATE: PI 13.50 to 14.50%, PF 1%, FFR 4999 OD/FLEXI 14.75 to 15.50%, PF 1%, FFR,Flex No Pensioner PL policy: Yes Multiplier: Not applicable NRI Loans: Not Alloweda / innable Qe seect or FINNABLE PL product policy It offers PL to all Salaried employees Govt & Pvt Income Norms: Minimum salary: 20K CIBIL: 0/-1 YES Minimum: 700 Bachelor accommodation ---- Yes Hostel / PG —- No Age Norms: Minimum: 25 Yrs Maximum: 58/ 60 as per state Govt policy. Employment: Minimum total Employment 1 Yr required Minimum loan amount: 50K Max Joan amount :10L Minimum locking period: 6 months. Balance Transfer: No. Credit eard BT : No. MCA Registration: Only 1 Year registration required. Partial payment: After 6 months Preclosure charges: Allowed after 6 months at 4% ‘Tenure: Minimum: 36 Months Maximum: 5 Years Co-applicant / Joint loans in CIBIL obligation is not considered if the applicant is not the primary applicant in the loan and the EMI is paid by co-applicant account (with Co -applicant pay slips and bank statements on file). FOIR Norms: For sal pvt employees Sal 20K - 32K : 50% Pensioner PL policy: No Multiplier: Not applicable NRI Loans: Not Allowed Complete Digital process No physical documents required Loan Process: 1) Executive will enter all customer details online through unique Id, upload KYC, income & photo after receiving OTP from customer 2) customer will receive the link to download finable app, to confirm the details uploaded (can edit if there are any changes) 3) Direct disbursement post approval 4) Documents soft copies accepted 5) Banking E- statement pdf required@ Fast Credit GT 7 RAN AXIS PL product policy It offer PL to all Salaried employees Govt / Pvt Complete Manual process, physical documents required. Income Norms: For AXIS Salary Account: Cat A,B & C : 20K Cat C & Unlisted: 40K Customer having only SB Account: Cat A, B & C : 30K Cat C & Unlisted: 30K Non relationship - other Salary Account: Cat A,B & C: 40K Cat C &: 40K CIBIL : 0 / -1 ---- no Minimum : 680 Application Score : Govt - 367, Cat A, B, & C - 330 Bachelor accommodation -—- Yes Hostel / PG —-- Yes Age Norms : Minimum : 21 Yrs Maximum : 60 Yrs Employment : Minimum total Employment 1 Yrs required Minimum loan amount : IL Max loan amount : 40L (For Cat D and unlisted 10L only} Minimum locking period : 12 month. Balance Transfer : As per Bank Norms. Credit card BT : yes. MCA Registration ; Minimum 1Yr required. Partial payment : Yes Preclosure charges : 4 Tenure : Minimum : 12 Months Maximum : 72 Months Co-applicant / Joint loans in CIBIL obligation is not considered if the applicant is not the primary applicant in the loan and the EMI is paid by co-applicant account ( with Co -applicant pay slips and bank statements on file). FOIR Norms Sal <30K : 40% Sal 30K - 50K : 50% Sal above 50K : 70% If customer having Salary Account in AXIS Bank Above 75K Sal : 70% If customer having a Home loan Above 50 K : 70% Pensioner PL policy : No Multiplier : Yes NRI Loans : Not AllowedFullerton @ Fast Credit GT India LLERTON PL product policy It offer PL to all Salaried employees Govt & Pvt Income Norm: Minimum salary CIBIL : 0/-1 Minimum : 600 Bachelor accommodation ---- No Hostel / PG ---- No Age Norms : Minimum : 24 Yrs Maximum : 58/60 as per state Govt policy. Employment Minimum total Employment | Yr required Minimum loan amount : 1L_ Max loan amount : Any loan amount based on eligibility Minimum locking period : 6 months. Balance Transfer : Maximum upto 7 BTs only. Credit card BT : YES. MCA Registration : Only registration required Partial payment : No Preclosure charges: Allowed after 6 months at 7% ‘Tenure: Minimum : 24 Months Maximum : 60 Months Co-applicant / Joint loans in CIBIL obligation is not considered if the applicant is not the primary applicant in the loan and the EMI is paid by co-applicant account ( with Co -applicant pay slips and bank statements on file). FOIR Norms : For sal pvt employees Sal 20K - 32K : 45% Sal 32K - 45K : 50% Sal above 45K :55% For Govt employees Sal 20K - 32K : 55% Sal 32K - 45K : 60% Sal above 45K :65% ‘Yearly bonus can also be added for calculation Pensioner PL policy : Yes Multiplier : Not applicable NRI Loans : Not Allowed@ Fast Credit GT Fuwavs ATH YOU: HeroFinCorp. Finance Made Easy HERO FINCROP PL product policy Itoffer PL to all Salaried employees & Self employees Income Norms : Minimum CIBIL Minimum : 650 Bachelor accommodation --- Yes Hostel / PG —- No ‘Age Norms : Minimum : 21 Yrs Maximum : 58 as per state Govt policy. Employment : Minimum total Employment | Yr required (present company 6 months ) Minimum 6 months bank statement required Minimum loan amount : 50K Max loan amount : SL Minimum locking period : 6 months. Balance Transfer : No. Credit card BT : No. MCA Registration : Not mandatory. Partial payment : No Preclosure charges : Allowed afier 6 months at 5% Tenure: Minimum : 12 Months Maximum : 60 Months Co-applicant / Joint loans in CIBIL obligation is not considered if the applicant is not the primary applicant in the loan and the EMI is paid by co-applicant account ( with Co -applicant pay slips and bank statements on file). FOIR Norms : For sal pvt employees Sal 15K - 20K : 40% Sal 30K - 40K : 50% Sal above 50K :75% Pensioner PL policy : Not Allowed Multi Not applicable NRI Loans : Not Allowed@ Fast Credit GT IDFC PL product policy It offer PL to all Salaried employees Govt / Pvt & Self employed Complete Digital process No physical documents required soft copies of documents by mail are accepted Income Norms : Minimum salary: 20K CIBIL: 0/-1 -—-- NO Minimum: 700 Bachelor accommodation ---- Yes Hostel / PG No Age Norms: Minimum: 23 Yrs Maximum: 58/ 60 as per state Govt policy. Employment: Minimum total Employment 6 months required Minimum loan amount : 1L. Max loan amount: 40L Minimum locking period : 6 months. Balance Transfer: Maximum upto 3 BTs only. Credit card BT : YES. MCA Registration: Minimum 1Yr required. Partial payment: Yes Preclosure charges: Allowed after 6 months at 5% ‘Tenure: Minimum: 24 Months Maximum: 60 Months Co-applicant / Joint loans in CIBIL obligation is not considered if the applicant is not the primary applicant in the loan and the EMI is paid by co-applicant account (with Co -applicant pay slips and bank statements on file). FOIR Norms: Super Cat A & A,B Sal 25K - 39K : 60% Sal 40K - 49K : 60% Sal 50K - 74K : 65% Sal above 75K : 70% Cat C/D (open market) Sal 25K - 39K : 50% Sal 40K - 49K : 60% Sal 50K - 74K : 65% Sal above 75K : 70% Pensioner PL policy : No Multiplier: Not applicable NRI Loans: Not Allowed IDFC FIRST EET@ Fast Credit GT InCred = Borrow. With Confidence, INCRED PL product poli It offer PL to all Salaried employees Income Norms Minimum salary : 15K CIBIL: 0/-1 -—- Yes Minimum: 650 Bachelor accommodation ---- No Hostel / PG ---- No Age Norms: Minimum : 21 Yrs Maximum: 55 as per state Govt policy. Employment: imum total Employment 1 Yr required (present company 3 months) Minimum 3 months bank statement required Profile: we can do propritership & partnership employees also. Minimum loan amount: 75K Max loan amount: 7.5L Minimum locking period: 6 months. Balance Transfer: No. Credit card BT : No. MCA Registration: Not mandatory. Partial payment: No Preclosure charges: Allowed after 6 months at 5% Tenure: Minimum: 24 Months Maximum: 48 Months Co-applicant / Joint loans in CIBIL obligation is not considered if the applicant is not the primary applicant in the loan and the EMI is paid by co-applicant account (with Co applicant pay slips and bank statements on file). FOIR Norm: Sal 15K - 20K : 40% Sal 21K - SOK : 50% Sal above 50K :65% Pensioner PL policy: Not Allowed Multiplier: Not applicable NRI Loans: Not Allowed For sal pvt employeesIndusind, Q™ Credit GT ind@ INDUSND PL product policy Itoffer PL to all Salaried employees Govt & Pvt Complete Manual process, physical documents required. Income Norms: Minimum salary : 35K For Govt & Pharma 25K req & Unlisted SOK req CIBIL: 0/-1 No Minimum: 700 Bachelor accommodation ---- Yes (only Cat A & Cat B CIBIL 700 above req) Hostel / PG No Age Norms : Minimum : 21 Yrs ‘Maximum: 58/ 60 as per state Govt policy. Employment: Minimum total Employment 3 Yrs required Listed company 6 months Unlisted company 1 Year LLP & LLC companies also will do Minimum loan amount: 1L Credit card BT MCA Registration: Minimum 2 Yrs required. Partial payment: 0% Preclosure charges: Allowed after 1 Year at 4% Tenure: Minimum: 12 Months Maximum: 60 Months Co-applicant / Joint loans in CIBIL obligation is not considered if the applicant is not the primary applicant in the loan and the EMI is paid by co-applicant account (with Co -applicant pay slips and bank statements on file). FOIR Norms: Above 50K : 70% Below 50K : 50% Pensioner PL policy: No Multiplier: Not applicable NRI Loans: Not Allowed@ Fast Credit GT & Muthoot Finance MUTHOOT FINANCEPL product policy It offers PL to Super A, Cat A, Govt, Cat B, Cat C & Cat D Income Norms: Minimum salary: Cat A & Cat B: 20K Cat C & Cat D : 25K Govt : 20K CIBIL: 0/-1 — only Govt CIBIL Policy: not more than 4 unique CIBIL enquiries in last 15 days Bachelor accommodation --- No Hostel / PG —- No Age Norms: Minimum: 23 Yrs Maximum: 58/ 60 as per state Govt policy. Employment: Cat-A , Band C 1 Yrs Cat D-— 1 Yrs Minimum total Employment 3 Yrs required Minimum loan amount: 1L_ Max loan amount: 7.5L. Minimum locking period: 1Year. ‘Topup & parallel: Can be done after 9 months. Balance Transfer: Yes Credit card BT : Yes. MCA Registration: Only 3 Yrs registration required. Partial payment: Allowed after 36 months upto 25% of outstanding pricipal Preclosure charges: Allowed after 12 months at 4% Tenure: Minimum: 12 Months Maximum: 60 Months Co-applicant / Joint loans in CIBIL Obligation is not considered if the applicant is not the primary applicant in the loan and the EMI is paid by co-applicant account (with Co -applicant pay slips and bank statements on file). FOIR Norms: Sal 20K - 29K : 40% Sal 30K - 49K : 50% to 60% Above 75K : 75% ‘Yearly bonus can also be added for calculation Pensioner PL policy: Not Allowed Multiplier: Not applicable NRI Loans: Not Allowed; , Standard @& Q™ Credit GT Chartered Se SCB PL product policy It offers PL to all Salaried employees Govt & Pvt Income Norms: Minimum salary: Gross Sal SOK Salary A/e SC! CIBIL: 0/-1 Minimum: 740 Bachelor accommodation ---- YES Hostel / PG ---- No Age Norms: Minimum: 23 Yrs Maximum: Govt 65Yrs (with retirement proof).Pvt 60Y rs (with retirement proof). Employment: Minimum total Employment 2 Yr required (Present Company 2months also accepted) Minimum loan amount: IL Max loan amount: SOL for listed companies 15L for Non listed companies Minimum locking period: | Year. Balance Transfer: Maximum upto 2 BTs only. Credit card BT : No. MCA Registration: 3 Years registration required, Partial payment: YES Preclosure charges: Allowed after | Year at 5% Tenure: Minimum: 24 Months Maximum: 60 Months Co-applicant / Joint loans in CIBIL obligation is not considered if the applicant is not the primary applicant in the loan and the EMI is paid by co-applicant account (with Co -applicant pay slips and bank statements on file), FOIR Norms: For Listed companies: 55% For Non-Listed companies: 40% Director policy: Salaried director upto 20% shareholding allowed LLP company employees can also be processed Pensioner PL policy: NO Multiplier: 15 timesg@ Fast Credit GT Glo lei i -E UL s ICICI BANK PL product policy Itoffer PL to the employees of Elite, Govt, super prime, contractual government employees of Hospital /school / colleges & Preferred (18000 companies) Income Norm Elite & Govt Super prime ICICI sal Ave -- 30K Other sal A/c -- 30K Preferred : ICICT sal Ave - 30K Other sal Ave ~ 35K 30K NTH CIBIL : 0/-1--- YES <700 ---- with mitigant (live loan more than 12 EMIs paid) Bachelor accommodation -—- Yes Hostel / PG ---- Yes. Age Norms : Minimum : 21 Yrs Maximum : 58/ 60 as per state Govt policy. Employment : Minimum total Employment 2 Yrs required (in one or multiple jobs) Minimum locking period : 12 Months. Topup : Allowed only after 6 EMIs being paid. Parallel loan : Allowed only after 3 EMIs being paid Special norms for Government teachers getting irregular salaries ICICI Bank Government teachers where salary is received inconsistently with a delay (at least 2 of last 3 month salary not observed ) such cases can also be processed by checking at east 10 of 12 salary credits in last 12 months. Average of last 10/11 monthly credits may be considered for income imputation. Latest salary credited should not be >3 months old, subject to employment confirmation. Balance Transfer : Allowed for any number of loans based on eligibility. Credit card BT ; Not allowed. MCA Registration : Mandatory Partial payment : Not allowed Preclosure charges : allowed after 12 EMIs @ 5.00% preclosure charges. ‘Tenure: Minimum : 12 Months Maximum : 72 Months for Elite and Govt, sal > 50K CIBIL > 750. Else 60 months Co-applicant / Joint loans in CIBIL obligation is not considered if the applicant is not the primary applicant in the loan and the EMI is paid by co-applicant account ( with Co applicant pay slips and bank statements on file).Q-crett GT eee =F 11s 42 ICICI BANK FOIR Norms : Sal 30K - 50K : Elite, Govt & super prime —- 55% Preferred & open market -- 50% Sal SOK - 70K Elite, Govt & super prime —- 65% Preferred & open market -- 55% Sal 70K and above Elite, Govt & super prime -- 70% (with HL) Preferred & open market -- 60% Multiplier : Tenor upto 24 months Sal > 50K --- 7 times for all categories Sal < SOK --- 6 times (elite & SP) & 5 times (Govt, preferred and others) Tenor : 36 months Sal > 50K — 18 times (elite,Govt & SP) & 15 times (preferred & others) Sal < 50K --- 16 times elite, 15--Govt & 13 — Sp) 7 times other Tenor 48 months Sal > 75K — 22 times (elite & SP) : 21 times Govt : 18 times Preferred Sal > SOK —- 21 times (elite, Govt & SP) : 18 times preferred. Sal > 35K —- 16 times (elite, Govt & SP) : 15 times preferred. Tenor 60 months Sal > 75K —- 24 times (elite & SP) : 23 times Govt : 20 times Preferred Sal > SOK --- 23 times (elite, Govt ) : 22 times SP. Sal > 35K —-- 20 times (elite, Govt & SP) NRI Loans : customer should have NRE account in ICICI bank NRI would be co-applicant in the loan. Income and eligibility will be calculated based in the average remittance in ICICI NRE account. Maximum loan amount : 20 L based on the policy and eli Documents required as per policy : Applicant --- KYC docs req NRI--- income, passport, employment, contract copy & bank statements with salary credit req. lity.F. Q™ Credit GT ee Rs ‘sHraio—— We understand your world HDFC PL product policy It offer PL to the employees of Elite, Govt, Super A, Cat A, B,C, D & Army Income Norms : Super A, Cat A, Cat B Sal account HDFC : 25K Non HDFC sal account : 30K Cat C/MED : Salary above 35K req Railways : HDFC / Non HDFC sal ac : 30K Cat GO (Non-Nurse) HDFC / Non HDFC sal ac : 30K CIBIL : 0/-1-—— YES <700 ---- Yes Bachelor accommodation --- Yes Hostel / PG —- No Age Norms Minimum : 21 Yrs Maximum : 58/ 60 as per state Govt policy. Employment : Minimum total Employment 3 months For Super A, Cat A Cat B , Cat C & Govt Minimum employment 1 Year req Minimum locking period : 12 Months. Topup : Allowed only after 3 EMIs being paid. Parallel : Allowed only after 3 EMIs being paid. Balance Transfer : Allowed after | Year Credit card BT : Yes MCA Registration : Not Mandatory Partial payment : After 1 Year Preclosure charges : allowed after 12 EMls > 10L 0% &< 10L 4% Tenure: Minimum : 12 Months Maximum : 72 Months (req sal above 50K Band A to C) Co-applicant / Joint loans in CIBIL obligation is not considered if the applicant is not the primary applicant in the loan and the EMI is paid by co-applicant account ( with Co -applicant pay slips and bank statements on file). Pensioner PL policy : Applicable for retired Govt and Non Govt employees. Loan amount from 50K to Slakh. Maximum Age : 65 Yrs Maximum tenor 36 months Minimum pension 20K per month Coapllicant mandatory Other income can be considered maximum upto 50% of pension amount based on TTR filed. PENSIONER POLICY IS NOT RUN! BY BANK DUE TO COVID,nays THOU — Kotak Mahindra Bank @ Fast Credit GT kotak KOTAKOVERDRAFT NOTES. ‘© CURRENT A/C (OD) TO BE OPENED FOR EXISTING BANK CUSTOMER HAVING SALARY/SAVING A/C WITH KOTAK BANK © CURRENT A/C (OD) & SAVING A/C TO BE OPENED WITH 10K CHEQUE FOR NEW TO BANK CUSTOMER REPAYMENT WILL BE FROM SAVING A/C OF KOTAK BANK ONLY LOAN AMOUNT 1LAC TO 25LAC COMPANY CATEGORY AA, A, B & GOVERNMENT. SALARY SHOULD BE 50K PLBT ALLOWED IN OD. BT OF BAJAJ & TATA OD NOT ALLOWED ‘TENURE WILL BE 5 YEARS ONLY ‘© 1 YEAR HYBRID OD & 4 YEARS DROPLINE OD. * LIMIT DROP PER MONTH AFTER 1 YEAR: OD LIMIT AMOUNT DIVIDED BY 48 MONTHS © 6 CHEQUE’S OF SAVING A/C REQUIRED AT THE TIME OF DISBURSEMENT INSTEAD OF AMC CHARGE: MINIMUM UTILISATION TO BE 10% IN A QUARTER ELSE CHARGES OF 0.50% ON OD LIMIT AMOUNT PAYOUT WILL BE ON SLAB BASIS LOCKING PERIOD WILL BE 1 YEAR FORECLOSURE CHARGES NIL. 8 TO 10 DAYS FOR PROCESSING OF LOAN © OD FACILITY AVAILABLE IN HYDERABAD, BANGALORE, CHENNAI, DELHI, MUMBAI AND PUNE CITIES ONLY Tenure = 60 months Super CAT A/Kotak Govt. Dsa/ost Group employeest | caTa/psu | cATB | ‘Companies NTH > 75000 11.50% 11.75% 13.25% 12% fresh | NTH? 50000-75000 11.78% 72.00% 13.74% 12.25% Gases/BT Not to be addressed as of now NTH Less than SOk Optimus ‘Amount>20L 11.50% 11.50% | 125% | 11.50% Prime PEG PF Grid Super CATA] CATA/PSU CATE Govt Companies Fresh cases 150% 150% 174% 17% Balance Transfer 174% 170% 225% 2.00%@ Fast Credit GT AXIS FINANCE > Tenure=12- 84 months Pevsstinance » Age —21 Salaried and 60 at the time me of maturity > Tier —Rs.25K (1), RS.20K (Il), Rs.15 (ll) » Latest 3 months’ bank st >» Latest 3 month salary slip © Applicant is staying in self-owned/parental owned/company provided ‘Accommodation on ( Same to be confirmed from App form & during Tele-PD with the customer) Or © Applicant is having a matured or Live HL/LAP (To be confirmed from Bureau) Or 0 Place of current residence matches with Bureau records (HIT Customer). Reported residence in bureau should be >= 12 months. S CAT A—Rs.0.50 lacs to Rs.25 lacs — 3 months current and 24 months total expi- CAT A~Rs.0.50 lacs to Rs.20 lacs - 3 months current and 24 months total expi CAT B - Rs.0.50 lacs to Rs.15 lacs - 3 months current and 24 months total expi No EMI bouncs last 3 month for ISF (Moratorium availed customer need to provide bank st to check 3 EMI debit Bach Acco — TVR at Permanent Ri mandatory Top up—9 months seasoning required for Parallel or Top up with no EMI bounce Pan cards starting from D, E .... AND Age > 40 yrs. to be approved at NCM level Recent Unsecured loan — 1 PL in last 6 months For 6yrs tenor Super A/ cat-A no require co-applicant. > With HL BT max loan SAlakh. In cases where PF is not being deducted, No PF deduction to be be mitigated by Form 16, same to be documented screened/validated by RCU/Credit through govt. sites NSP Profifile Tenure 12 m to 48 months Loan amount Rs.0.50 lacs to 10 lacs and Rs.5 lacs for New to credit Age —21 yrs to 58 yrs or re recent age at time of maturity Current employment stability is 2 yrs and Total is 5 yrs. Cases with Applicant Age >= 40 years & NTH <= 30 K with rented residence are not to be sourced Segment with Age >= 40 years & NTH <= 30 K shall be processed with below deviation on and supported with documented ownership proof current residence - To be approved at NCM Level > Resi—2 yrs stability in current resi > ABB = 1* EMIis required CAT D or Unapproved co's Minimum Loan amount is Rs.1 lac to 10 lacs and Rs.5 lacs for New to credit Resi Stability - 1 yrs for rented Office Stability 2 yrs in current job and 4 yrs in total Minimum Income for the Tier is Rs.30000 Bach acco cases not to be funded in CAT D profile Office Fi is mandatory VV VV VV VV VY vvvvy vTechnical Profile mapping across key sectors (Skilled profiles/ employees of focus industries/sectors) - Complete discre on of Credit hes BNANGE BT Program 3 PLand 2 Credit card No Minimum BT amount Minimum Seasoning for BT is 5 months NIL bounces in last 5 months NIL late fees or over u6 lised fees in credit card st EMI Obligate on Calculation on Logic > Any Joint Loan ~ If not proved that EMI is paid by 3rd party - EMI obligated is Half > Gold Loan and Loan against share / OD account - 1.50 pc of the current outstanding balance to be taken as obligated on > Loan Expiry in 3 months - EMI not to be obligated > Hand LAP Expiry in 6 months ~ EMI not to be obligatedg@ Fast Credit GT ADITYA BIRLA GROUP Aditya Birla Finance Ltd CAT A-50 lakhs CAT B40 lakhs CAT C30 lakhs CAT D~10 lakhs Tenure Min: 12 months | Max: 60 / 84 months (In Salary 35+ FOIR Calculate 84 months)Age Norms Minimum Age ~ 23 years, Cat D- 25 age Maximum Age ~ 60 years Work Experience Min Total Experience: 24 Months | Current Experience: 6Months ‘ABB TO EMI-1 TIME FOIR Grid: ‘* 35,000 -45,000- 60% © 45,000-75,000- 65% © 75,000-1,50,000 - 70% ‘* >=1,50,000- 75% PL Emerging CAT A/ B10 lakhs CAT C / D—5 lakhs Proprietorship / partnership / LLP —5 lakhs and tenor 48 MonthsFOIR Grid: CAT A, B, C & D: <=35,000- 60% For Proprietorship / LLP / partnership: <=30,000 = $5% >30,000 = 60% CIBIL score: =700 Top-up allow after 9 EMI's Max FOIR should be restricted to 100% Loan amount capping for Elite 25 Lakh and Emerging 10 Lakh No loan last 6 Months Min track of 12 months is applicable only in case of PL BT and CC BT not allowed ‘+ Min Tenure 1 YR and <15 Lac Tenure 60 Months >15+ CAT A CAT B CIBIL 750+ to offered 84 months ROI Detailsam Fast Credit GT fans 30,001-35,000 | 19.99% | 20.99% | 21.99% | 22.99% | 23.99% 35,001-45,000 | 14.49% | 15.49% | 16.49% | 17.49% | 19.49% 45,001-75,000 | 13.99% | 14.99% | 15.99% | 16.99% | 18.99% 75,001 - 1,50,000 | 13.49% | 14.49% | 15.49% | 16.49% | 18.49% >1,50,000 12.99% | 13.99% | 14.99% | 15.99% | 17.99% TATA Personal Loan Sourcing Norms (Revised! + Sourcing is allowed from employees working in All company categories except Uncategorized (Where company turnover isles than R520 crores) * Maximum loan tenure: as per existing policy norms Tata Group / Super Cat A / Cat A/ Cat B- upto 72 months Cat C- upto 60 months Cat U-upto 48 months ‘+ SPECIAL MAX LOAN TENURE FOR OD Customers Tata Group / SUper Cat A/ Cat A/ Cat 8-84 months (2 year fixed and 5 year dropline) Cat C~ 60 months (1 year fixed and 4 year dropline) Please note: Above max tenure is indicative and changes based on customer's loan amount, income and company category Minimum Income Norms CATE] Salary Range CATA catc | caTD | Others Sout org. TATA CAPITAL =30,000 21.99% | 22.99% | 23.99% | 24.99% | 25.99% sneer ‘Company Category ALL Locations Locations other than Tier 1 Tata Group 15K 15K Government 25K 25K ‘Super Cat A and Cat A 20K 15K Cat B 25K 20K Cat C 25K, 20K Unlisted 40K 40K Tier 1 Cities - Delhi-NCR, Mumbai-MMR, Chennai, Pune, Kolkata, Bangalore, Hyderabad Salary Norms and Loan Amount capping rules for employees working in different categories + Minimum loan amount 75,000 + Maximum loan amount 25 Lac (No capping of loan amount basis salary or employer category) + For Customers with CIBIL score 0/-1: * For TGE loan amount to be restricted to Rs.5 Lakhs * For other employer category, amount to be restricted to Rs.3 Lakh@ Fast Credit GT romcup TOTA.SALTIAL “Salary Band Max FOIR Unsecured FOIR SE om oR >25K & <= 50K 60% 50% TORE STR oR mK TR 7 oe + Govt Employees with Salary >Rs.50k to be treated as per Super Cat A norms + Latest month salary credit to be validated in all cases. + Incase salary slips are not available for recent months, then case to be considered if salary credit narration mentions company name / Form 16 validation / Appointment letter / Form 26AS is available Restructuring Norms In case customer has applied / availed restructuring in any of loan in last 12 months then funding to be avoided. Industry Norms + Applicant working in a negative industry (Salaried or Self-employed) will not be funded except in case of Government / Tata Group List of Negative Industry: (Where Funding to be restricted) 1. Aviation including businesses dependent on aviation industry Construction and real estate (Real Estate Developer) 3. Hospitality (casinos, amusement parks, events, cruises and other tourism-related services including Tour & Travel operators, restaurants, hotels, Taxi / Cruise / Bus operators, forex dealers and other businesses dependent on the industry) 4, Entertainment and Leisure (Multiplex, Resorts, SPA's and Massage Parlours, Entertainment Parks, Banquet Halls/Lawns, Bars, Lounges, Salons, Gyms, Gaming centres, Catering & Tent houses ete.) 5. Manpower companies’ dependent on any of the above negative indus FLNorms Office Fl waiver Norms * Official email 1D validation + Govt employee: ID card, latest one-month salary slip and two month bank statement + supervisor recommendation / HR confirmation along with domain validation + If customer’s PF / 26AS / Perfios check is positive or Bank statement has been sampled by RcUResi Fl waiver Norms + Address should match with CIBIL records CREs/ on roll Tata Capital employees / Doc pick up agencies meeting applicant (s) at their residence should fill up Fl forms along with photograph and the same shall be considered as Fl report Geo tagging based on video PD Fast Credit GT —— ALWAYS WITH YOU ——— Visit Now- www. fastcreditgt.com Email Id- contact@fastcreditgt.com Contact No.- 9794186833. 8948396920.