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HDFC LIMITED 1
CREDIT APPRAISAL OF A
LOAN APPLICANT
UMANG GUPTARoll No. 057533
BachelorofBusiness ManagementDepartment ofManagementFaculty ofSocial SciencesD.E.I
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HDFC LIMITED 2
HDFC Ltd
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HDFC LIMITED 3
OBJECTIVE
Repayment capacitycalculation ofapplicants
LearnaboutCSN of HDFCLtd.
Dealing with customers
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HDFC LIMITED 4
INTRODUCTION Salaried
SelfEmployed Class
SelfEmployed Professional
Non Resident Indian
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HDFC LIMITED 5
REQUIRED DOCUMENTS1.SELF EMPLOYED PROFESSIONAL
Application form with photo
Identity and residence proof
Educational Qualifications Certificate and ProofofBusiness Existence
Last 3 years Income Tax returns (self and business)
Last 3 years Profit and Loss and Balance Sheet
Last 6 months Bank Statements
Processing Fee Cheques
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HDFC LIMITED 6
REQUIRED DOCUMENTS Contd.
2.SELF EMPLOYED BUSINESSMAN
Application form with photo
Identity and residence proof
Educational Qualifications Certificate and Proofof
Business Existence Last 3 years Income Tax returns (selfand
business)
Last 3 years Profit and Loss and Balance Sheet
Last 6 months Bank Statements
Processing Fee Cheque Business Profile
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HDFC LIMITED 7
STEP 1
GROSS SALARY
REPAYMENT CAPACITY.
Slip of the current 3 months
Regular Items
Example:Additional HRM, VehicleAllowance etc.
ProfitAllowances = (Average of 3 Months) / 2
Non regular Items
PROCESS- Incometo InstallmentRatioLoanEligibilityRatio
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HDFC LIMITED 8
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HDFC LIMITED 9
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HDFC LIMITED 10
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HDFC LIMITED 11
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HDFC LIMITED 12
Step2 Income to Installment Ratio
Gross Income
Obligations - Towards family, Nos.ofchildren, spending habits
Customers Profile
IIR = EMI / INCOME *100
FOIR= EMI+OBLIGN \INCOME*100
(FIXED OBLIGATION TO INCOME RATIO)
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HDFC LIMITED 13
Step 3 LOAN ELIGIBILITY RATIO
FORMULA = Available salary forrepayment / EMI per1
Lakhs of the amount
It is the ratioof the salary to be considered forrepayment of the loan and the EMI per 1 lakh of the
loan amount
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HDFC LIMITED 14
NON RESIDENT INDIAN SALARIED/EMPLOYED
Salary is converted into IndianCurrency
for computing credit worthiness
SELF EMPLOYED PROFESSIONALS
LoanEligibility = Gross Profit X 2
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HDFC LIMITED 15
STEP UP REPAYMENT FACILITY
Chooser 1The EMI
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HDFC LIMITED 16
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HDFC LIMITED 17
The EMI CHOOSER
2
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HDFC LIMITED 18
FLEXIBLELOAN INSTALLMENTPLAN
The advantage joint payment,personalization, easy repayment is coupled upwith it being only available solution in themarket forvariable income home loan demandIn the Illustration the father is going to pay only for
105 months and after that we are to consider thesons salary only for the next remaining 60 months
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HDFC LIMITED 19
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HDFC LIMITED 20
STAGESOF HOMELOANS
1. Application
2. MunirkaHUB
5. DataEntry3.Log-In
4.Scanning
6.RecommendationOver (ROVR)
7. DoubleChecking
Over (DCOVR)
7. FixCharges
8. DISBURSE TheLoan
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HDFC LIMITED 21
QUESTIONS
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HDFC LIMITED 22
Thank You !
UMANG GUPTA
Roll No. 057533
BachelorofBusiness Management
Department ofManagement
Faculty ofSocial Sciences
D.E.I
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