Customer loan origination system

CUSTOMER LOAN ORIGINATION
SYSTEM
PART 1 (ANDROID MODULE)

HUNTER
Lead Generation
High/Medium/Low
leads
HUNTER
LAF filling
KYC docs/SoA/DGH
Personal Ref Check
GATHERER
Financial Appraisal
Factory 1 & Factory 2 visit
(mandatory if the business
place is rented)
BM/ABM
100% Business validation &
Personal Interview
House-hold Visit
Buyer/Supplier Ref Check
BM/ABM
Check LAF/Ensure Zero
Errors
Attach Checklist
Courier to OPS
If file has errors the same will
be pushed back to branch as a
Branch Rework Case
SANCTION DISBURSEMENT
LUC
Within 45 days of
loan disbursement
LVR
With in 30 days 1st Qtr
Once every Qtr
Sales Process - Comprehensive

Lead Generation
• LUC/LRV
• BRWTasks
• Basic Info: App/Co-App, Business
• KYC/Doc
• Banking
Application Form
• Personal Reference Check
• Buyer/Supplier detailsPersonal Verification
• Assets
• Liabilities
• Monthly Income Statement
Financial Analysis
• Insurance docs
• VerificationInsurance
Application Review
Deviation Waive/Reject
Property Visit
Buyer/Supplier Reference Check
Lead Allotment to Hunters
Disbursement maker
Credit Appraisal (Sanction/Reject)
IMD Clearance
HUNTER GATHERER BRANCH MANAGER CREDIT OPS ED,SH,RH

Detailed KRAs - BM Vs ABM/Gatherer Vs Hunter
# List of activities Hunter ABM/Gatherer
Branch
Manager
1 Declaration of good health 
2 Application document checklist 
3 Personal details & Reference check 
4 Residence Verification 
5 Residence location GPS tagging 
6 Business Details 
8 Business location GPS tagging 
9 Landlord/Neighboring factory ref check (only for rented business premises) 
10 Buyer/Supplier details 
11 Buyer/Supplier Reference check 
12 Customer personal details 
13 Customer residence address 
14 Customer permanent address 
15 Personal KYC documents 
16 Banking details & Bank Statement 
17 Business Address 
18 Business information 
19 Loan details   
20 B/S sheet 
21 Cash flow 
22 LA/ABM/BM Comment   
23 Business Inventory worksheet 
24 Financial worksheet 

Mobile Application: Loan Officer/ Hunter
LEADS
APPLICATION
TASKS
SETTINGS
5
3
2
7
1
0
1
2
3
4
5
6
7
8
PERFORMANCE
L S R D C
PERFORMANCE

Sr Name Potential Stage
Followup
date
1
Lorem
Ipsum
Hot Raw Lead dd/mm/yy
2 Warm Ineligible dd/mm/yy
3 Cold
Uncontact
able
dd/mm/yy
4 Eligible dd/mm/yy
5 Converted dd/mm/yy
6 dd/mm/yy
7 dd/mm/yy
LEADS
Hunter: List of Leads
Adding a lead would require following details
BASIC:
1) *First Name
2) Middle Name
3) Last Name
4) *Gender
5) Stage
(Raw Lead, UnContactable, Not Interested, Ineligible
Qualified, Qualified-Docs issue, Converted)
6) Potential (Hot, Warm, Cold, Unrated)
BUSINESS:
1) * Sector(Man, Service, Trading)
2) * Industry
3) Product
ADDRESS:
1) Type(Work, Present, Permanent)
2) Location
3) Address ( incl Co Name)
4) PIN
5) *Mobile
LOAN:
1) Loan use (WK. CI, DC, AF, TF)
2) Loan Demand (Rs.)
NEXT ACTION
1) Date (choose from calendar scroll)
2) Action: Call / Visit / Mail
REMARK: (text box to enter remark)
At the bottom: Convert to customer
Each item in the list is
clickable which upon
clicking navigates to
‘details of that lead’.
Lead detail page follows
next slide.
ALL
Checkbox to filter list
based on Potential:
• Hot
• Warm
• cold
• unrated
Checkbox to filter
list based on
State:
• Raw Lead
• Uncontactable
• Not interested
• Ineligible
• Qualified
• Qualified –
Docs Issue
• Converted

A lead shall be assigned to a single LA and hence will be cross referenced to the LA code and the
Branch under which LA reports.(exhibit-2)
• Track : Progress of Leads may be tracked for contacts made or scheduled :
• The Loan Advisor may update the Lead data either while viewing their Daily Activity Report (see exhibit 3 &
4)or by directly searching by name and accessing the individual Lead record
• The updation typically would be :
• Action Update & Scheduling – Add ‘action remark’ and select ‘Next Action’ & date
• Update the Stages of lead – and its movement between :
• Raw Lead
• Uncontactable
• Not Interested
• Ineligible
• Qualified
• Qualified – Docs Issue
• Converted
• Update ‘Estimated Loan need’
• ( Ph-2 : The movement of lead between various ‘ Status’ ( as mentioned above should be held in
a time stamped history – in case the ABM or BM needs to validate the contact history.)
• The Loan Advisor will contact the lead and will change the status to either
• ‘Contact unsuccessful’ or ‘Qualified’ or ‘not interested’.
• Once the status of the Lead is converted to “Qualified”, the LA will continue to follow up the
lead and update its ‘Potential’ as well as the “status’. This stage ends when the application is
filled or when the Lead is declared as ‘not interested’ or ‘Ineligible’ or ’Converted’.
• Reports & MIS : DAR, DSR ( see Exhibits 3 &4 ), Sales Pipeline Report ( Ex-5), Weekly Branch
Report ( Ex-6), Monthly Branch Summary ( Ex-7)

Lead Details
Loan Use: M, H, M-A, H-A
Loan Demand(Rs.): xxxxxxxxxx
Loan Qualification: Yes/No
Potential: Hot/Warm/Cold/Unrated
Follow up Date: dd/mm/yy
Contact No: 99999999999
Sector: Manufacturing
Occupation:
Address Type: Work, Present, Permanent
Address:
State:
District:
Remark:
Full Name M/F
Hunter: Lead Details
Call
User can call
directly to the
customer.
Upon Dial:
• Move the
Lead to
Targeted
Upon clicking:
• Navigates to Drafting an
application
• Moves the Lead to
‘Converted’
S
c
r
o
l
l
a
b
l
e

Application ID Pending
101000101
Name: Lorem Ipsum
Disbursed
101000107
Name: Lorem Ipsum dolor
Operations
101000111
Credit 1/2/3
101000112
Gatherer
101000105
Branch review
101000106
BM
101000102
Rejected
101000103
Cancelled
101000104
APPLICATIONS
Hunter: Applications
ALL
“ALL”
By default, the list will be
sorted based on Latest Activity
on any Application
List can be sorted based on the
: STAGE : (this should be order
in graph also)
• Hunter
• Gatherer
• Branch Mgr
• Branch Reject
• Credit
• Branch Rework
• Credit Decline
• Credit ‘Sanctioned’
• Customer ‘Cancelled’
• Disbursement ‘Ops’
• Disbursed
APPLICATIONS
3
2
7
1
4
5
7
9
1
0 5 10
101000101 Pending
101000107 Complete
101000111 Operations
Graph View
Pending
Gatherer
Branch Manager
At Credit
Branch Rework
Sanctioned
Rejected
Disbursed
Cancelled
ALL Graph View
Click to draft an Application
Clicking on this opens the
collapsible Graphical
Representation of
Applications’ status. C
o
l
l
a
p
s
a
b
l
e
By default the graph
will show the
monthly data.
Though it can be
customized in
formats:
• Today
• Last Week
• Last Month
• Custom:
-Last x days
-From Date, To Date
• All Time
Click to Collapse
Graphical
Representation
Section.
Each item in the list is
clickable which upon clicking
navigates to :
”Application Details Section”

Hunter: Application Details
Applicant Name: sdasdasfdsadf
Stage:
Product Type: ML, MQ, HL,AL
EMI Date: 7th, 15th, 21st
Repayment Mode: PDC, ACH
Loan Amt/Sanctioned Amt: ###/###
EMI: #####
Disbursed Date: Pending/(dd/mm/yy)
Loan Tenure: 12 months
Loan Use: WK, AF, CI, DC
Profile
Business
Analysis
References
KYC
(Application Id) When Loan is Sanctioned or Disbursed

Hunter: Application Details
Stage:
Loan Applied: ######
Loan Use: WK, AF, CI, DC
Profile
Business
Analysis
References
KYC
(Application Id) Before Loan Sanction

Hunter: Drafting an Application
When clicking on drafting an application, system will popup a form asking for the type of customer in order to
confirm whether the customer is “Existing Customer” of Aye Finance or “New Customer”.
Case 1: New Customer: System navigates the user to directly start inputting details from scratch. Format follows
next slide.
Case 2: Existing Customer: System will provide functionality to search ( Dedupe) the existing customer through
certain fields.
The fields are:
1. Application ID:
2. Name:
3. Address:
4. Landmark:
5. Mobile No.:
6. PAN
7. VID
8. Date of Birth:
9. Date/Month: (based on the date when customer signed the Application form)
Search Result Format: Next slide.

Application ID Stage
101000101
Name: Lorem Ipsum
Disbursed
101000107
Rejected
101000111
Cancelled
101000112
101000105
101000106
101000102
101000103
101000104
APPLICATIONS Filter/Modify
Name
Full Name
Landmark
City
Pincode
Mobile No.
Date/Month
Input Format
Input box
accepting
characters
Input box
accepting nos.
From & till
Clicking on any item will
navigate to particular
Application's details.
Refer to next slide.
Apply

Applicant Name: Lorem Ipsum Dolor
Status: Disbursed
EMI Date: 7th, 15th, 21st
Loan Amt/Disbursed Amt: ###/###
EMI: #####
Disbursed Date: (dd/mm/yy)
Type of Loan: WC, CI, DC, C
Purpose: R/E, M/E, WC, DC
Profile
Business
Analysis
References
KYC
(Application Id)
User can go through the Applicant details to ensure the perfect match for existing customer.
Once confirmed, the user can move to drafting an application.
Note: User will have to first check the status of existing customer’s file.
Several cases are considered here:
Case 0: Loan Cancelled:- Lets user to reapply for all cancelled loans.
Case 1: Loan not closed
• System will show an alert: ”Loan not closed: Only debt adjustment loan is
possible”
• User can now follow steps in Case 2
Case 2: Loan closed
• User can go ahead drafting a fresh Application.
• Applicant’s profile details can be fetched from the existing file.
• Fetching the profile details:
System will display list of Applicant’s and Co-applicants associated to
existing file. Customer can choose whom it wants to make applicant and
co-applicants (if co-applicant/s is/are going to be the same for new
application)
Name Type Action
Lorem Ipsum Dolor Applicant Make Co-Applicant
Lorem Ipsum Dolor Co-Applicant Make Applicant
Lorem Ipsum Dolor Co-Applicant Make Co-Applicant
Save Cancel Clicking on Save
navigates to interface
shown in next slide
Same previous
Applicant/Co-Applicant will
be used for new application
when choosing them from
old file

Status: Pending
Loan Amount: ########
Affordable EMI: #####
Type of Loan: WC, CI, C, O
Profile
Business
Analysis
References
Checklist and Submit
History:
(Application Id)
Incomplete
Complete
Applicant Name
Product Type
Loan Amount (Rs.)
Loan Tenure (Months)
Affordable EMI (Rs.)
Loan Use
At beginning, the status of all the
sections will be Incomplete.
As Information gets filled by, status
will accordingly be changed
Input Format for Loan Details Input box to accepting Characters
Dropdown to select from:
ML / MLQ / HL / AL / MFI / MFIP
Input box to accepting only Numbers
• 6, 12, 18,
Checkbox to select from:
• WK: Inventory, Finished Goods,
Discounting,
• AF
• CI: Machinery/Equipment,
• DC:
• TF
An input box accepting only numbers
needs to be associated with each of the
checkbox option above to enter
bifurcation of Loan request among all
the Purposes selected.

Profile
Applicant
Co-Applicant 1
Co-Applicant 2
(Application Id)
Personal Information
Address
Personal KYC Docs
Banking Same for Applicant
and Co-Applicants
Profile (Co-Applicant)

! WARNING/ALERT AREA
1. ALIAS
2. FIRST NAME
3. MIDDLE NAME
4. LAST NAME
5. FATHER’S NAME
6. SPOUSE NAME
7. DATE OF BIRTH/AGE: dd/mm/yyyy (#)
8. GENDER
9. MARITAL STATUS
10. SOCIAL CATEGORY
11. EDUCATIONAL QUALIFICATION
12. NO. OF DEPENDENT CHILDREN
13. NO. OF OTHER DEPENDENTS(IF ANY)
14. LIFE INSURED
Profile (Applicant)
Input Format Warnings/Alerts
Input box accepting only Characters
Calendar scroll to tag date from. When
date is tagged. System should be able to
calculate the Age and enter in the system.
• If 55<=AGE<60 {standard DOB proof
required, highlight in KYC/DOCS}
• If AGE>=60 {not eligible for loan}
Radio button to select from:
--Male/Female
--Single/Married/Divorced/Widowed
--SC/ST/OBC/General
--Upto 5,6-12, Graduate
Input box accepting only numbers Mandatory Fields
--YES/NO
2,4,5,7,8,9,10,11,12,13,14

Address: Current Residence
1. RESIDENCE OWNERSHIP
2. HOUSE NO./NAME
3. STREET NO./NAME
4. AREA NAME
5. LANDMARK
6. STATE
7. TOWN/CITY
8. DISTRICT
9. PINCODE
10. MARKET VALUE (IN RS.)
11. YEARS OF STAY AT CURRENT ADDRESS
12. YEARS OF STAY IN CURRENT AREA
13. PHONE NO. (WITH STD CODE)
14. MOBILE NUMBER 1
15. MOBILE NUMBER 2
16. PERSONAL EMAIL ID
17. OLD ADDRESS
Profile (Applicant)
19. LANDLORD’S NAME
20. LANDLORD’S NUMBER
18. SPECIFY OTHERS
Input Format Warnings/Alerts/Deviations
Dropdown : Owned/Rented/Ancestral/Others
• If “Owned” – Add 1 more field asking
• If “Ancestral” - Add 1 more field asking
• If “Rented” – Add 2 more input fields asking
• If “Others” – Add 1 more input field asking
Input box to accepting Characters
Dropdown list of all Indian States to choose from.
Dropdown list for Cities in selected State
Input box accepting only 6 digits
11- If YOSACA<3: Specify “Old Address” (17 is mandatory)
and Set{Deviation==1 && Level==BM}
Input box accepting only numbers
Two input boxes:
1. For STD code: accepting only 4 digits
2. For tel. no.: accepting only 8 digits
Mandatory Fields
Input box accepting only 10 digits. “+91” needs to be
added as a prefix to mobile no. while saving in the database
1,2,3,4,5,6,7,8,9,10,11,12,13/14/15,18,19,20,21,22
-
21. RELATIONSHIP WITH APPLICANT
22. NAME ON ADDRESS PROOF
Owned
• Specify Ownership & Address Proof.
• Highlight Ownership proofs in KYC/Docs.
Ancestral
• Specify Ownership & Address Proof.
• Highlight Ownership proofs KYC/Docs.
Rented
• Rent Agreement Required
• Show Alert in KYC/Docs: “Rent Agreement required”
Note:
Allow saving of part filled
screen ( even if mandatory
fields are incomplete).

Address: Permanent
Profile (Applicant)
1. SAME AS:
2. HOUSE NO./NAME
3. STREET NO./NAME
4. AREA NAME
5. LANDMARK
6. STATE
7. TOWN/CITY
8. DISTRICT
9. PINCODE
10. MOBILE NUMBER
11. YEARS OF STAY AT PERMANENT ADDRESS
Input Format
Dropdown to select from: Dropdown will only
show addresses that have been filled.
• Applicant (Current Address)
• Business Address
Warnings/Alerts
ALERT: Ʃ(Applicant_Current_Address.11 +
Applicasnt_permanent_Address.11) should be >=3
Mandatory Fields
2,3,4,5,6,7,8,9,10,11

Parameters Input Format
Take Snapshot 1 Pops up device camera
to take snapshotTake Snapshot 2
Personal KYC Docs
Profile (Applicant)
IDENTITY Signature Address Date of Birth
ID Number Input box accepting characters
Date of Issue Calendar scroll to tag date
Take Snapshot Open device camera to take
snapshot of that ID and save it
by parameter name.
Id Type ID SIGN ADD DOB
Passport
Pan Card
UID
Voter ID Card
Driving License
Bank Passbook
Ration Card
Fees Cheque
1. PASSPORT
2. PAN CARD
3. UID
4. ELECTION CARD/VOTER ID CARD
5. DRIVING LICENSE
6. BANK PASSBOOK WITH PHOTO
7. APPLICATION FEE CHEQUE
8. APPLICATION FEE RECEIPT
9. RATION CARD
INSURANCE AGE PROOFS
PROPERTY DOCS/PROOFS
OTHERS
Incomplete
Complete
Required
HOUSE TAX RECEIPT
ELECTRICITY BILL
WATER BILL
PROPERTY DOCUMENTS
BIRTH CERTIFICATE
EXPIRED PASSPORT
DOMICILE CERTIFICATE
SCHOOL TRANSFER CERTIFICATE (TC)
BAPTISM CERTIFICATE
MARRIAGE CERTIFICATE OF CHRISTIANS
DRIVING LICENSE
EMPLOYER CERTIFICATE OF RETIRED EMPLOYEE
PAN CARD
Deviation Log
Deviation Level
Only Ration Card is available PM
PAN CARD == 0 BM
PAN && VID == 0 L1
Application Fee Receipt == 1 BM
Status
Clicking on it pops up
To take another snapshot in the
series of snapshots of Property
Documents. Upon clicking
Name of Doc (ID – if any) Input box accepting
characters
Take Snapshot

Banking
BANK 1 DETAILS
1. BANK ACCOUNT AGE
2. BANK NAME
3. BANK BRANCH NAME
4. ACCOUNT TYPE
5. ACCOUNT HOLDER’S NAME
6. ACCOUNT NUMBER
7. IFSC CODE
8. MARK AS DISURSEMENT ACCOUNT
9. APP. FEE CHEQUE IS OF THIS ACCOUNT
10. BANK/ACCOUNT STATEMENT
Profile (Applicant)
Input Format
Radio to select from:
<= 6mths, 7-12mths, 1-3 yrs, 3+ yrs
Dropdown list of Bank Names to choose from
Input box accepting characters
• Current Account
• Savings Account
Input box accepting only 11 characters
Checkbox : Yes/No
Warnings/Alerts Deviations
If Acc. Age == 0.5-1||1-3||3+ &&
Statement Period < 6 months
Warning: Account Statement is less than 6 months
Deviation == 1
Level == BM
1. Start Date
Calendar scroll to tag date
2. End Date
3. Statement Period == End Date – Start Date
3. Take Snapshot popsup device camera to
take snapshot of the
document
To take another snapshot in
the series of snapshots of
bank statement
To capture details of
another Bank Account.
Parameters and their
input format will be
same as above
If IFSC code is entered,
system should be able to
populate other bank details
viz name, branch etc.

! WARNING/ALERT AREA
4. ALIAS
5. FIRST NAME
6. MIDDLE NAME
7. LAST NAME
10. FATHER’S NAME
3. SPOUSE NAME
9. GENDER
1. MARITAL STATUS
11. SOCIAL CATEGORY
13. NO. OF DEPENDENTS OTHER THAN CHILDS
14. INVOLVED IN BUSINESS
Input Format Mandatory Fields
Input box accepting only Characters 2,4,5,7,8,9,10,11,12,13
Calendar scroll to tag date from. When
date is tagged. System should be able to
calculate the Age and enter in the system.
If Ans(2)=“Spouse”, then inherit,
otherwise input box accepting characters
If !Spouse:
Set {Deviation==1 && level==BM}
--Male/Female
--Single/Married/Divorced/Widowed
--SC/ST/OBC/General
--Upto 5,6-12, Graduate
Spouse, Partner,
If (!Spouse): add 1 more field asking
Radio to select from: Yes/No
• NO. OF DEPENDENT CHILDREN

Current Residence Address
1. RESIDENCE OWNERSHIP
2. HOUSE NO./NAME
3. STREET NO./NAME
4. AREA NAME
5. LANDMARK
6. STATE
7. TOWN/CITY
8. DISTRICT
9. PINCODE
10. MARKET VALUE (IN RS.)
11. YEARS OF STAY AT CURRENT ADDRESS
12. YEARS OF STAY IN CURRENT AREA
13. PHONE NO. (WITH STD CODE)
14. MOBILE NUMBER 1
15. MOBILE NUMBER 2
16. PERSONAL EMAIL ID
17. OLD ADDRESS
• LANDLORD’S NAME
• LANDLORD’S NUMBER
• SPECIFY OTHERS
Owned/Rented/Ancestral/Others
• If “Others” – Add 1 more input field asking
Two input boxes:
-
*Note:
For Address: There must be an
option to select from the list
of already filled Addresses

Permanent Address
1. SAME AS:
2. HOUSE NO./NAME
3. STREET NO./NAME
4. AREA NAME
5. LANDMARK
6. STATE
7. TOWN/CITY
8. DISTRICT
9. PINCODE
10. MOBILE NUMBER
11. YEARS OF STAY AT PERMANENT ADDRESS
• Applicant (Current Address)
• Applicant (Permanent Address)
• Co-Applicant 1 (Current Address)
• Business Address
Mandatory Fields
Input box accepting only numbers 2,3,4,5,6,7,8,9,10,11

Banking & Active Loans
BANK 1 DETAILS
1. BANK ACCOUNT AGE
2. BANK NAME
3. BANK BRANCH NAME
4. ACCOUNT TYPE
6. ACCOUNT NUMBER
7. IFSC CODE
Input Format
<=0.5,0.5-1, 1-3, 3+
• Current Account
• Savings Account
Checkbox : Yes/No
If Acc. Age == 0.5-1||1-3||3+ &&
Deviation == 1
Level == BM
1. Start Date
2. End Date
3. Take Snapshot popsup device camera to
take snapshot of the
document
bank statement
To capture details of
another Bank Account.
Parameters and their
input format will be
same as above

Business
Business Profile
Business Details
Banking
KYC/Docs
(Application Id)

Business Profile - 1
1. NAME OF THE FIRM
2. SHOP NO./NAME
3. STREET NO./NAME
4. AREA NAME
5. LANDMARK
6. STATE
7. TOWN/CITY
8. DISTRICT
9. PINCODE
10. BUSINESS PLACE POSSESION TYPE
11. YEARS OF BUSINESS ESTABLISHMENT
12. PHONE NO. (WITH STD CODE) 1
13. PHONE NO. (WITH STD CODE) 1
14. MOBILE NO. 1
15. MOBILE NO. 2
16. EMAILID
17. OLD ADDRESS
18. BUSINESS PREMISE PHOTO
Business
Input Format
Dropdown list to select from:
Owned/Ancestral/Rented
• If “Owned” – Add 1 more field asking
Two input boxes:
Take snapshot and save it to KYC/Docs
Warnings/Alerts
If <3, Alert= Year of est. is less than 3
• LANDLORD’S NAME
• LANDLORD’S NUMBER
• MARKET VALUE
-
Note:
There must be an
option to tag GPS
location of the premise

Business Profile - 2
1.. SECTOR
2. INDUSTRY NAME
3. BUSINESS PRODUCE
4. OWNERSHIP
4. NO. OF EMPLOYEES
5. STARTED BY
6. EXP. IN EXISTING LINE OF BUSINESS
7. ITR FILED
8. BUSINESS REGISTRATION DETAILS
9. BUSINESS PREMISE AREA (SQ. FT.)
Business
Input Format Warnings/Alerts/Deviations
Manufacturing/Piece rate man./Trading/Service
Man-Fabrication: Highlight Property Docs as required in
Applicant’s Personal KYC
To select from Autocomplete which comes from
the database maintained at backend
If (IN=‘Auto-Garage/Beauty Parlour’ && LT= ‘H’ && LA>75000)
|| (IN=‘Eatery’ && LT= ‘H’ && LA>150000) : Highlight Property
Docs as required in Applicant’s Personal KYC
Proprietorship/Partnership/Pvt. Ltd.
Input box accepting numbers.
Dropdown to select from: Self/Family/Other
Dropdown to select from: NO/1/2-5/>5
Clicking on it pops up a window with predefined
parameters and a respective input fields in front
of each.
PARAMETERS INPUT FORMAT
MSME NO.
SALES TAX NO.
SERVICE TAX NO.
VAT NO.
BUSINESS PAN CARD NO.
GST NO.
OTHER

Banking
BANK 1 DETAILS
1. BANK ACCOUNT AGE
2. BANK NAME
3. BANK BRANCH NAME
4. ACCOUNT TYPE
6. ACCOUNT NUMBER
7. IFSC CODE
Business
Input Format
<=0.5,0.5-1, 1-3, 3+
• Current Account
• Savings Account
Checkbox : Yes/No
If Acc. Age == 0.5-1||1-3||3+ &&
Deviation == 1
Level == BM
1. Start Date
2. End Date
3. Take Snapshot popsup device camera to take snapshot of
the document
bank statement
To capture details of another Bank Account.
Parameters and their input format will be
same as above

References
Personal
(Application Id)

Personal
References
1. NAME OF CONTACT PERSON Input box accepting characters
2. TEL/MOBILE NO. Input box accepting numbers
3. ADDRESS Input box accepting characters
5. RELATIONSHIP WITH THE CLIENT Dropdown: Spouse/Sibling/Other Relative/Not Related
6. DO YOU HAVE ANY BIZ RELATIONSHIP
WITH CLIENT
Radio: Yes/No
7. WHAT TYPE OF BUSINESS IS THE CLIENT
INVOLVED IN
8. HOW LONG THE APPLICANT BEEN IN BIZ. Input box accepting numbers
9. HAVE YOU EVER VISITED THE BUSINESS
PLACE OF THE APPLICANT
Radio: Yes/no
10. COULD YOU PLEASE CONFIRM THE
LOCATION
11. IS THE BUSINES PREMISE OWNED OR
RENTED BY THE CLIENT
Radio: Owned, Ancestral, Rented
12. ARE YOU AWARE OF ANY LOANS TAKEN BY
THE APPLICANT FOR THEIR BUSINESS
13. ACCORDING TO YOU, HOW IS THE
BUSINESS PERFORMING
Checkbox: Verygood, Good, Average, Poor, Don’t know
14. ANY OTHER COMMENT Input box accepting characters
15. LA RATING Checkbox: Verybood, Good, Average, Poor
Personal

Checklist & Submit
(Application Id)
LIFE TO BE INSURED?
LA COMMENT:
Submit
Submit Button:
• Forwards the file to Assistant Branch manager(Gatherer)
• Sets the Application status as “Gatherer”
For Loan Advisor to put its comment.
Input Format: Input box accepting characters
The area lists sections of LAF where
Warnings/Alerts/Requirements/mandatory
fields have not been justified.
Will also list all the deviations associated
with the file at the moment.
Clicking on it pops up list of Applicants and Co-applicants with a checkbox in from of
each so to get data whether the persons life insurance is to be done or not.

Status: Pending
Loan Amount: ########
Affordable EMI: #####
Type of Loan: WK, CI, DC, C
Profile
Business
Analysis
Credit Bureau Check
References
Checklist and Submit
History:
(Application Id)
Gatherer: Financial Analysis
Sets the Application stage as “Gatherer”

1. ALIAS
2. FIRST NAME
3. MIDDLE NAME
4. LAST NAME
5. FATHER’S NAME
6. SPOUSE NAME
8. GENDER
9. MARITAL STATUS
10. CATEGORY
13. NO. OF DEPENDENTS
14th. LIFE INSURED : YES/NO
15th. INSURANCE TYPE : GCPP/GTL
Profile (#########) (Applicant or Co-Applicants)
Gatherer will be displayed the status as Incomplete in the “Personal Information”
section of Applicant/Co-Applicant wherever “Life Insured” field is set to “Yes” so
the Gatherer can collect insurance related documents as required.
When the status is set to “Yes”, system would be able to recommend the type of
Insurance (GCPP/GTL) by adding a 15th field below 14th field. This would be an
editable field which Gatherer can edit for cases where recommended type is not
feasible based on unavailability of certain required documents.
If the recommendation is GCPP: Gatherer would have to check whether the
“Standard Age Proofs” required for GCPP have been collected or not.
If already collected: Check whether the document is appropriate, if not then it
needs to collect another document from the list.
If not collected: Collect any document from the list of required age proofs.
GTL GCPP
Amount 50,000 - 3,00,000 50,000 - 10,00,000
Usage
a. loans below 24 months; or
and
b. loans below 3 lacs
a. loans for >=24m; or
b. loans above 3lacs
Age 55 60

Personal KYC Docs
Profile (#########)
IDENTITY Signature Address Date of Birth
STANDARD KYC DOCS
INSURANCE AGE PROOFS
BIRTH CERTIFICATE
EXPIRED PASSPORT
DOMICILE CERTIFICATE
SCHOOL TRANSFER CERTIFICATE (TC)
BAPTISM CERTIFICATE
MARRIAGE CERTIFICATE OF CHRISTIANS
DRIVING LICNESE
EMPLOYER CERTIFICATE OF RETIRED EMPLOYEE
PAN CARD
OWNERSHIP PROOFS
PROPERTY DOCUMENTS
OTHERS
Incomplete
Complete
Required

Household Assets
TOTAL HOUSEHOLD ASSETS: 0000000.00
LAND & BUILDING 1 #######
ADVANCE RENT #######
VEHICLE #######
OTHER #######
Analysis
Parameters
1. NAME
2. VALUE
Input Format
Input box accepting numbers

Household Income
TOTAL HOUSEHOLD INCOME: 0000000.00
SALARY – SPOUSE #######
SALARY - CHILDREN #######
SALARY – OTHER #######
RENTAL INCOME #######
Analysis
Parameters
1. NAME
2. VALUE
Input Format
Business

Household Expenses
TOTAL HOUSEHOLD EXPENSES: 0000000.00
GENERAL EXPENSES 0000000.00
FOOD #######
RENT #######
WATER/ELECTRICITY #######
TELEPHONE #######
TRANSPORT #######
EDUCATION #######
MEDICAL EXPENSES #######
ASSISTANCE TO FAMILY MEMBERS #######
ENTERTAINMENT #######
FIXED OBLIGATIONS (EMI) 0000000.00
PAYMENTS OF DEBTS #######
INSURANCE PREMIUM ACCOUNT #######
SAVINGS/COMMITTEES/CHITS #######
Analysis
Parameters
1. NAME
2. VALUE
Input Format
1. AMOUNT Input box accepting numbers
2. HAS TO POOL MONEY BEEN ENCASHED Radio to select from: Yes/No
3. NO. OF INSTALLMENTS PAID Input box accepting Numbers
4. REMAINING DURATION

Business Assets
Analysis
Parameters
1. NAME
2. VALUE
Input Format
TOTAL BUSINESS ASSETS: 0000000.00
TOTAL CURRENT ASSETS: 0000000.00
TOTAL FIXED ASSETS: 0000000.00
TOTAL LIQUID ASSETS: 0000000.00
CASH 0000000.00
CASH IN HAND #######
CASH IN BANK #######
SAVINGS 0000000.00
SAVINGS OR CHITS #######
DEPOSITS 0000000.00
DEPOSITS #######
INSURANCE 0000000.00
INSURANCE #######
RECEIVABLES 0000000.00
RECEIVABLES #######
UNRECOVERABLES 0000000.00
UNRECOVERABLES #######
INVENTORY 0000000.00
ADVANCE PAYMENTS 0000000.00
ADVANCE PAYMENTS #######
FIXED 0000000.00
LAND & BUILDING #######
MACHINERY & EQUIPMENTS #######
VEHICLES #######
FURNITURE & FIXTURES #######
Collapsible accordion view for
inventory follows next slide
Total Business Assets = Total Current Assets + Total Fixed Assets
Total Current Assets = Ʃ(Liquid + Receivables + Advance Payments + Inventory)
Total Fixed Assets = Ʃ(Fixed)
Total Liquid Assets = Ʃ(Cash + Savings + Deposits + Insurance)
If the pool money hasn’t
been encashed from CHIT
FUNDS, the pool money
will become the asset

A. RAW MATERIAL 0000000.00
1. Particular: #######
B. UNFINISHED GOODS 0000000.00
C. FINISHED GOODS 0000000.00
TOTAL 0000000.00
Parameters
1. PARTICULAR
2. QUANTITY
3. PURCHASE PRICE/UNIT (Rs.)
4. AMOUNT
Input Format
Amount = 2 X 3
=Ʃ(Amount)
Parameters
1. PARTICULAR
2. QUANTITY
3. SALES PRICE/UNIT (Rs.)
4. AMOUNT
Input Format
Amount = 2 X 3
Total = A+B+C
Inventory

Business Liabilities
TOTAL BUSINESS LIABILITIES: 0000000.00
PAYABLES: Ʃ(MI)/Ʃ(Bal)
SUPPLIER 1 MI/Bal
SUPPLIER 2 MI/Bal
SUPPLIER 3 MI/Bal
OTHER
DEBTS Ʃ(MI)/Ʃ(Bal)
PERSONAL LOAN MI/Bal
BUSINESS LOAN MI/Bal
HOME LOAN MI/Bal
GOLD LOAN MI/Bal
CHID FUND MI/Bal
LONG TERM DEBTS MI/Bal
ADVANCES Balance
ADVANCES RECEIVED Balance
Analysis
Parameters
1. SUPPLIER/PROVIDER NAME
2. MONTHLY INSTALLMENT
3. BALANCE
Input Format
1. LENDER NAME Input box accepting characters
2. LOAN TYPE Dropdown to select from:
3. MONTHLY INSTALLMENT
Input box accepting numbers4. SANCTIONED AMOUNT
5. BALANCE (OSP)
6. DEBT CONSOLIDATION Dropdown: Yes/No
1. CREDITOR NAME Input box accepting characters
2. BALANCE Input box accepting numbers
Total Business Liabilities = Payables.balance + Debts.balance + Advances.balance
MI: Monthly Installment
Bal: Balance
1. INSTALLMENT AMOUNT Input box accepting numbers
2. HAS TO POOL MONEY BEEN ENCASHED Radio: Yes/No, If “Yes”: Move the
Amount to Assets(SAVINGS)
Amount = (3 + 4) * 1
3. NO. OF INSTALLMENTS PAID Input box accepting Numbers
4. REMAINING INSTALLMENTS

Business Income Estimation: Summary
A) GROSS MARGIN ESTIMATION GM%/GM Rs.
A.1) PRODUCT 1 GM%/GM Rs.
A.2) PRODUCT 2 GM%/GM Rs.
INCOME
B) ITR ( ITR.INCOME )
B.1) YEAR 1 PROFIT : ######
B.2) YEAR 2 PROFIT : ######
C) BILLS ( BILLS.INCOME )
C.1) SALES BILLS TOTAL SALES AMT.//INCOME//GM%
C.1.1) PRODUCT 1 SALES AMT.//INCOME//GM%
C.1.2) PRODUCT 2 SALES AMT.//INCOME//GM%
C.2) PURCHASE BILLS TOTAL PURCHASE AMT.//INCOME//GM%
C.2.1) PRODUCT 1 PURCHASE AMT.//INCOME//GM%
C.2.2) PRODUCT 2 PURCHASE AMT.//INCOME//GM%
D) PRODUCTION ESTIMATE ( PRODUCTION-ESTIMATE.INCOME )
D.1) BY WAGES PRODUCTION.//INCOME//GM Rs.
D.1.1) PRODUCT 1 PRODUCTION //INCOME//GM Rs.
D.2) BY WORKSTATIONS PRODUCTION //INCOME//GM Rs.
E) CAM
Analysis
For Manufacturing & Piece Rate Manufacturing
MANUF.A
MANUF.A.1
MANUF.A.2
MANUF.B
MANUF.B.1
MANUF.B.2
MANUF.C
MANUF.C.1
MANUF.C.1.1
MANUF.C.1.2
MANUF.C.2
MANUF.C.2.1
MANUF.C.2.2
MANUF.D
MANUF.D.1
MANUF.D.1.1
MANUF.D.1.2
MANUF.D.2
MANUF.D.2.1
MANUF.D.2.2
MANUF.E
INCOME ESTIMATION
SECTIONS CALCULATION (INCOME BY PRODUCT==) METHOD
MANUF.C.1.1, MANUF.C.1.2 = [ GM% OF VALUE ]
MANUF.C.2.1, MANUF.C.2.2 = [ ( GM% / (100-GM% )) * VALUE ]
MANUF.D.1.1, MANUF.D.1.2
= [ VALUE * GM ]
PRODUCTION
ESTIMATEMANUF.D.2.1, MANUF.D.2.2
MANUF.B.1 && MANUF.B.2 = [ MANUF.B.1. VALUE + MANUF.B.2.VALUE ] ITR
MANUF.C.1 && MANUF.C.2
= [ MANUF.C.1. VALUE – MANUF.C.2.VALUE ]
• MANUF.C.1. VALUE = Ʃ SALES AMT (MANUF.C.1.1, MANUF.C.1.2)
• MANUF.C.2. VALUE = Ʃ PURCHASE AMT (MANUF.C.2.1,MANUF.C.2.2)
BY BILLS
INCOME = Ʃ (INCOME BY PRODUCT)
1. ENTER PRODUCT 1 NAME (A.1) Input from Autocomplete Text Box
To add one more product (A.2)
= [( I/S ) * 100 ]
= [ I/(I+P) * 100 ]
= [ I/Pr ]
= [ I/Pr ]

A) ITR
YEAR 1 PFOFIT : ######
YEAR 2 PROFIT : ######
B) GROSS MARGIN ESTIMATION GM%/GM Rs.
B.1) PRODUCT 1 GM%/GM Rs.
B….) PRODUCT …… GM%/GM Rs.
B.10) PRODUCT 10 GM%/GM Rs.
INCOME ESTIMATION (######)
PRODUCT 1 (NAME)
C.1) SALES SALES AMT.//INCOME//GM%
C.2) PURCHASE PURCHASE AMT.//INCOME//GM%
E) OBSERVATION ######
E.1) PEAK INVENTORY ######
PRODUCT 2 (NAME)
1. PRODUCT 1 NAME Input from Autocomplete Text Box
2. MEASURING UNIT
Input box accepting numbers3. UNIT SELLING PRICE
4. UNIT PURCHASE PRICE
5. GROSS MARGIN GM RS.= (4) – (3); GM%=((GM RS.)/(3))* 100
6. UNITS SOLD Input box accepting numbers
7. GROSS INCOME (OBS) = (3 – 4) * 6
Analysis
For Trading Industry
Add another
product
Note: Allow nine
more products
to add
SECTIONS CALCULATION (INCOME BY PRODUCT ==) METHOD
TRADING.C.1 = [ GM% OF VALUE ]
TRADING.C.2 = [ ( GM% / (100-GM% )) * VALUE ]
TRADING.D = [ VALUE * GM ]
TRADING.C.1 && TRADING.C.2 = [ TRADING.C.1 - TRADING.C.2 ] BY BILLS
INCOME = Ʃ (INCOME BY PRODUCT)
TRADING.A
TRADING.B
TRADING.C
TRADING.C.1
TRADING.C.2
TRADING.E
TRADING.E.1

SERVICE.A
SERVICE.B
SERVICE.C
SERVICE.C.1
SERVICE.C.2
SERVICE.E
A) ITR
YEAR 1 PFOFIT : ######
YEAR 2 PROFIT : ######
B) GROSS MARGIN ESTIMATION GM%/GM Rs.
B.1) SERVICE 1 GM%/GM Rs.
B….) SERVICE …… GM%/GM Rs.
B.10) SERVICE 10 GM%/GM Rs.
INCOME ESTIMATION (######)
SERVICE 1 (NAME)
C.1) SALES SALES AMT.//INCOME//GM%
C.2) PURCHASE PURCHASE AMT.//INCOME//GM%
E) OBSERVATION ######
Analysis
For Service Industry
Add another
service
SECTIONS CALCULATION (INCOME BY SERVICE==) METHOD
SERVICE.C.1 = [ GM% OF VALUE ]
SERVICE.C.2 = [ ( GM% / (100-GM% )) * VALUE ]
SERVICE.D = [ VALUE * GM ]
SERVICE.E = VALUE OBSERVATION
SERVICE.C.1 && SERVICE.C.2 = [ SERVICE.C.1 - SERVICE.C.2 ] BY BILLS
INCOME = Ʃ (INCOME BY SERVICE)
1. NO. OF CUSTOMERS VISITS (MONTHLY)
Input box accepting numbers2. NO. OF CUSTOMERS VISITS (DAILY)
3. NO. OF WORK STATIONS

ITR
Business Income Estimation
Year: ####
Net Profit
Sales
Purchase
Operating Expenses
Raw Material
Finished Goods
Total Inventory
Analysis
Add another Year
1.YEAR Dropdown to select from
2. SALES
Input box accepting numbers3. PURCHASE
4. OPERATING EXPENSES
5. NET PROFIT Net Profit = 2 – ( 3 + 4 )
6. RAW MATERIAL
7. FINISHED GOODS
8. TOTAL INVENTORY = 6 + 7
SECTION RETURN
MANUF.ITR
NET PROFITTRADING.ITR
SERVICE.ITR

Bills: Sales Bills (Kucha/Pukka)
All By Buyer By Month
dd/mm/yyyy Buyer Name Quantiry Amount
Buyer 1 Quantity Amount
Month 1 Quantity Amount
Analysis
1. DATE Calendar scroll to select date
2. BUYER NAME Dropdown list of buyer names
3. QUANTITY
3. AMOUNT
4. SNAPSHOT Pops up device camera to capture snapshot
Radio to sort/filter data
Default Selection: ALL
The list for ‘All’ will be sorted as per
bill with oldest date to newest date.
SECTION RETURN
MANUF.C >> MANUF.C.1 >> MANUF.C.1.1
MONTHLY SALES
MANUF.C >> MANUF.C.1 >> MANUF.C.1.2
TRADING.C >> TRADING.C.1 MONTHLY SALES/3
SERVICE.A >> SERVICE.A.1 MONTHLY SALES
• MONTHLY SALES = Ʃ (Amount)
• MONTHLY VOLUME = Ʃ (Quantity)
• ENTRY COUNT = Number of bill entries
ADD BUYERSInput Format
To add another buyer

Bills: Purchase Bills (Kucha/Pukka)
All By Vendor By Month
dd/mm/yyyy Vendor Name Quantity Amount
Vendor Name 1 Quantity Amount
Analysis
• MONTHLY PURCHASE = Ʃ (Amount)
2. VENDOR NAME Dropdown list of Vendor Names
3. QUANTITY
3. AMOUNT
SECTION RETURN
TRADING.C >> TRADING.C.2 MONTHLY PURCHASE/3
ADD VENDORInput Format
To add another Vendor

Bills: Purchase Bills (Kucha/Pukka)
dd/mm/yyyy Vendor Name Amount
Vendor Name 1 Amount
Month 1 Amount
Month 2 Amount
Month 3 Amount
Analysis
• MONTHLY PURCHASE = Ʃ (Amount)
2. VENDOR NAME Dropdown list of Vendor Names
3. QUANTITY
3. AMOUNT
SECTION RETURN
MANUF.C >> MANUF.2.1 >> MANUF.C.2.1
MONTHLY PURCHASE
MANUF.C >> MANUF.2.1 >> MANUF.C.2.2
SERVICE.A >> SERVICE.A.2 MONTHLY PURCHASE
ADD VENDORInput Format
To add another Vendor

PRODUCT 1/2: Gross Margin Estimation
Analysis
1. Select Base Unit
2. Output
INPUT
Parameter Name Rs./Unit Units
Raw Material 1 RM NAME #### ####
Direct Wage 1 DW NAME #### ####
Direct Wage 2 DW NAME #### ####
Direct Expense 1 DE NAME #### ####
Direct Expense 2 DE NAME #### ####
Scrap 1 S NAME #### ####
Scrap 2 S NAME #### ####
Loss 1 L NAME #### ####
GROSS MARGIN  GM%/GM RS.
1. PARAMETER
Raw Material/Direct Wage/Direct Expense/Scrap Sale/Loss
2. NAME Input from Autocomplete Text Box
3. RATE
4. UNITS
5. AMOUNT AMOUNT = 3 * 4
• COST PRICE = Ʃ Amount(Raw Material) + Ʃ Amount(Direct Wage) + Ʃ
Amount(Direct Expense) - Ʃ Amount(Scrap) + Ʃ Amount(Loss)
• UNIT COST PRICE = COST PRICE/OUTPUT
• GROSS MARGIN VALUE = UNIT SELLING PRICE - UNIT COST PRICE
• GROSS MARGIN PERCENTAGE = ( GROSS MARGIN VALUE / UNIT
SELLING PRICE ) * 100
SECTION RETURN
MANUF.A >> MANUF.A.1
• GROSS MARGIN VALUE
• GROSS MARGIN PERCENTAGE
MANUF.A >> MANUF.A.2
• Dropdown to select from: KG/LT/NO/M/SQ.FT

Production Est.: By WAGES
Analysis
1. Name of the Worker
2. Job Description
WAGES
Date Rate Units Amount
dd/mm/yy #### #### ####
dd/mm/yy #### #### ####
dd/mm/yy #### #### ####
dd/mm/yy #### #### ####
dd/mm/yy #### #### ####
2. RATE Input box accepting numbers
3. UNITS Input box accepting numbers
3. AMOUNT AMOUNT == 2 * 3
SECTION RETURN
MANUF.D >> MANUF.D.1 >> MANUF.D.1.1
MONTHLY UNITS
Input Format
Input box accepting Characters
• MONTHLY UNITS = Ʃ (Units)
Only 3 photos are allowed

Production Est.: By Work Stations
Analysis
1. Number of Work Stations
2. Work Station Description
3. Production Velocity (Units/hour/Workstation)
RUN TIME
Date Running Hours
dd/mm/yyyy ##
dd/mm/yyyy ##
dd/mm/yyyy ##
dd/mm/yyyy ##
2. HOURS Input box accepting numbers
SECTION RETURN
MONTHLY
PRODUCTION
Input Format
Input box accepting Numbers
• TOTAL RUNNING HOURS = Ʃ (Running Hours)
• MONTHLY PRODUCTION = TOTAL RUNNING HOURS * PRODUCTION VELOCITY

A) BUYER ESTIMATE
B) SELLER ESTIMATE
C) INVENTORY AT PEAK
D) BUSINESS SEASONALITY
E) BUSINESS ASSETS
F) PROPERTY ASSETS
H) REMARKS
CAM: Buyer/Supplier
Analysis
Input Format
SECTION
MANUF.E
CAM.IOP
Clicking on it navigates to the Seasonality Sheet
Data comes from Business Assets Sheet
Date comes from Fixed Assets under Business Asset Sheet

Inventory at peak: Buyer
Analysis
1. Date of Inventory
INVENTORY
Product Quantity Amount
Product 1 #### ####
Product 2 #### ####
Product 3 #### ####
Product 4 #### ####
Product 5 #### ####
1. PRODUCT NAME Input box accepting Characters
3. QUANTITY
3. AMOUNT
SECTION
CAM.IOP
TRADING.E.1

Inventory at peak: Supplier
Analysis
1. Date of Inventory
INVENTORY
Raw Material Quantity Amount
Raw Material 1 #### ####
1. RAW MATERIAL NAME Input box accepting Characters
3. QUANTITY
3. AMOUNT

CAM: Buyer/Supplier Estimate
Analysis
BUYER 1 / SUPPLIER 1
1. Name of Buyer / Supplier
2. Telephone No.
3. % of Business corresponds to the vendor
4. Monthly Sales/Purchase
5. Frequency of Sales/Purchase
6. Bills Verified: Yes / No.
5. Bill Snapshot 1
6. Bill Snapshot 2
7. Bill Snapshot 3
SECTION
MANUF.E
Input Format
Pops up device camera to capture snapshot
If {Yes} : Ask to enter bill details
Bill Details
Bill Date Quantity Amount
dd/mm/yy #### ####
dd/mm/yy #### ####
dd/mm/yy #### ####
dd/mm/yy #### ####
dd/mm/yy #### ####
3. UNITS
3. AMOUNT
To Add details of another Buyer/Supplier
Note: A multiplier of 0.8
needs to be applied to the
Monthly Sales/Purchase

Volume: Selling Expenses
Analysis
1. Name of the Salesperson
2. Job Title
COMMISSION PAID
Date Rate Units Amount
dd/mm/yy #### #### ####
dd/mm/yy #### #### ####
dd/mm/yy #### #### ####
dd/mm/yy #### #### ####
dd/mm/yy #### #### ####
2. RATE Input box accepting numbers
3. UNITS Input box accepting numbers
3. AMOUNT AMOUNT == 2 * 3
SECTION RETURN
SERVICE.C
TOTAL UNITS
TRADING.D
Input Format
• TOTAL COMMISSION = Ʃ (Amount)
• TOTAL UNITS = Ʃ (Units)

Gross Margin Estimation
Analysis
1. SERVICE NAME
2. CHARGE PER SESRVICE
COST PER SERVICE
3 INPUT MATERIAL
4. DIRECT WAGES
5. OTHER DIRECT EXPENSES
6. SCRAP RECOVERY
7. GROSS MARGIN (RS.)
8. NO. OF CUSTOMERS SERVICED (MONTHLY)
9. INCOME PER SERVICE (OBS)
SECTION RETURN
SERVICE.B
• PRODUCT NAME
• GROSS MARGIN VALUE
• GROSS MARGIN PERCENTAGE
• INCOME PER SERVICE (OBS)
Input Format
• SELLING PRICE = CHARGE PER SERVICE ( 1 )
• COST PRICE = Ʃ ( 3, 4, 5 ) – ( 6 )
• GROSS MARGIN VALUE = SELLING PRICE – COST PRICE
• GROSS MARGIN PERCENTAGE = ( GROSS MARGIN VALUE /SELLING PRICE ) * 100
• INCOME PER SERVICE(OBS) = ( 8 ) * ( 7 )

Seasonality Factor
Analysis
Months Good Regular Bad
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
MONTHLY
GOOD: ########
REGULAR: ########
BAD: ########
RETURN:
MONTHLY SALES

Operating Expenses
TOTAL OPERATING EXPENSES: 0000000.00
SALARIES
RENT
ELECTRICITY & WATER
STAFF WELFARE
TRANSPORT
MISC EXPENSES
Analysis
1. PARTICULAR NAME Input box accepting characters
2. VALUE Input box accepting numbers
Return:
TOTAL OPERATING EXPENSES

Financial Summary
INCOME AND EXPENSE STATEMENT
GROSS INCOME ########
TOTAL OPERATING EXPENSES ########
NET BUSINESS INCOME ########
TOTAL HOUSEHOLD INCOME ########
TOTAL HOUSEHOLD EXPENSES ########
NET INCOME ########
TOTAL FIXED OBLIGATIONS ########
NET DISPOSABLE INCOME ########
NETWORTH STATEMENT
TOTAL LIQUID ASSETS ########
TOTAL CURRENT ASSETS ########
TOTAL FIXED ASSETS ########
TOTAL BUSINESS ASSETS ########
TOTAL ACCOUNT PAYABLES ########
TOTAL BUSINESS DEBTS ########
TOTAL LIABILITIES ########
TOTAL BUSINESS EQUITY ########
Analysis
== GROSS INCOME – TOTAL OPERATING EXPENSES
== TOTAL (BUSINESS INCOME + HOUSEHOLD INCOME)
== NET INCOME – TOTAL FIXED OBLIGATIONS
== TOTAL CURRENT ASSETS + TOTAL FIXED ASSETS
== TOTAL ACCOUNT PAYABLES + TOTAL BUSINESS DEBTS
== TOTAL BUSINESS ASSETS – TOTAL LIABILITIES

References
(Application Id)
1. NAME OF CONTACT PERSON Input box accepting characters
2. TEL/MOBILE NO. Input box accepting numbers
3. BUSINESS ADDRESS Input box accepting characters
4. SECTOR Input box accepting characters
5. RELATIONSHIP WITH THE CLIENT Dropdown: Spouse/Sibling/Other Relative/Not Related
6. PRODUCT/SERVICE DO YOU PROVIDE TO
CLIENT
7. HOW LONG HAVE YOU BEEN PROVIDING
THESE PRODUCTS/SERVICES TO CLIENT
7. HOW LONG HAVE YOU BEEN PROVIDING THESE
PRODUCTS/SERVICES TO CLIENT
8. HOW MUCH AMT. PER MONTH Input box accepting numbers
9. HOW DOES CLIENT PAY Checkbox: Cash, Credit, Both
10. IF GIVEN CREDIT, HOW OFTEN DOES
CLIENT PAY on time
Checkbox: Always, Sometimes, Never
11. IF NOT GIVEN CREDIT, WHAT IS THE
REASON
Input box accepting characters.
12. IF THE CLIENT ASKED YOU TO LEND HIM
MONEY, WOULD YOU DO SO
Dropdown: Yes, No
13. ACCORDING TO YOU, HOW IS THE
BUSINESS PERFORMING
Checkbox: Verygood, Good, Average, Poor, Don’t know
14. ANY OTHER COMMENT Input box accepting characters
15. ABM RATING Checkbox: Verybood, Good, Average, Poor
Gatherer: Reference
Personal
Buyer
Supplier
Factory – 1
Factory – 2

Buyer/Supplier
BUYER 1 / SUPPLIER 1
1. NAME
2. ADDRESS
3. STATE
4. CITY/DISTRICT
5. PINCODE
6. PHONE NUMBER
7. YEARS OF RELATIONSHIP
8. EMAIL
9. NATURE OF BUSINESS
References
Input Format
Mandatory Fields
1, 2,3,4,6,7,9
To Add details of another Buyer/Supplier

Checklist & Submit
(Application Id)
ABM COMMENT:
Submit
Gatherer: Checklist & Submit
Submit Button:
• Forwards the file to Branch manager
• Sets the Application status as “Branch Manager”
For Gatherer to put its comment.
Input Format: Input box accepting characters
The area lists sections of LAF where
Warnings/Alerts/Requirements/mandatory
fields have not been justified.
Will also list all the deviations associated with
the file at the moment.

HUNTER GATHERER BRANCH MGR. OPERATIONS L4 L3 L2/B2 L1/B1
Date 1 (00:00 am) Initiation
Date 2 (00:00 am) Hunter level done Entry at Gatherer
Date 3 (00:00 am) Issue at hunter level Issue noticed at hunter
Date 4 (00:00 am) Hunter Issue Solved Re-entry at Gatherer
Date 5 (00:00 am) Financial Done Entry at BM
Date 5 (00:00 am) Issue at hunter level Issue at Hunter
Date 6 (00:00 am) Issue at Gatherer Level Issue at Gatherer
Date 7 (00:00 am) Hunter issue resolved Gatherer issue resolved Re-entry at BM
Date 8 (00:00 am) ED level Deviation Deviation
Date 9 (00:00 am) AVP level Deviation Deviation
Date 10 (00:00 am) Re-entry at BM Waiver Given Waiver Given
Date 11 (00:00 am) BM work done Entry at Ops
Date 12 (00:00 am) Branch Rework Branch Rework
Date 13 (00:00 am) Rework Resolved Re-entry at Ops
Date 14 (00:00 am) Ops work done Entry at CO
Date 15 (00:00 am) Issue at Hunter level Issue at Gatherer Level Branch Rework Issue noticed
Date 16 (00:00 am) Hunter issue resolved Gatherer issue resolved Rework Resolved Re-entry at CO
Date 17 (00:00 am) Hunter issue resolved Gatherer issue resolved Rework Resolved CO work done Entry at L3 Entry at L2 Entry at L1
Date 18 (00:00 am) Issue noticed in file
Date 19 (00:00 am) Re-entry at L3 Re-entry at L2 Re-entry at L2
Date 20 (00:00 am) Sanctioned Sanctioned Sanctioned Sanctioned
Date 21 (00:00 am) Sn. Letter Signed Cancelled Rejected Rejected Rejected
Date 21 (00:00 am) Disbursed
HISTORY

Some addl comments
• Credit Bureau Check – allow at Brch Mgr stage ( if BM does not do it – then
Credit will do it)
• Verifications could be outsourced in future ( third party module to be
interfaced?)
• Id created for References ( people who give us references) – their data
should be maintained by Industry ( in which they operate)
• Financial Ratios – should they be made available to BMgrs?
• Make provision for Psychometric test scoring ( test to be done by BM/ ABM
during personal visit)
• Design the MIS ( Daily activity report, daily call report ) – check if this
already exists in Branch Sales process – used by branches presently
• BE future ready for Aadhar-biometric validation- credit bureau check based
on id of entities

Customer loan origination system

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