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Encore Theme Technologies
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Repco Bank - Adyar Branch
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Core Banking 1.0
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SERIAL
NO
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PARAMETER
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STANDARD
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SECURED SCORE
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OLD DETAILS
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1
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Occupation
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2
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Present Position
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3
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Age of Applicants
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4
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Educational Qualification
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5
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Service - Number of Years completed in Present job and immediate previous job /
if business No.of years of established business
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6
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Incase of salaried Class - Number of Remaining service
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If Business Availability of Financial Papers, Balance Sheets and P&L accounts
and IT return
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7
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Earlier Bank Dealings -satisfactory SB/CA Bank statements /Take over account repayment
record
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8
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CIBIL Scoring (If crdit card dues less 2)
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9
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IIR
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10
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Other Income
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11
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Net Income(Gross Income - EMI - other Deductions) /Gross Income
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12
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LTV / LCR
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13
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Prime Security
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14
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Additonal Securities
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15
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Mode of Repayment to Loan
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16
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NetWorth of Borrower
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17
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Perfection of Securities
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18
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Repayment track record
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19
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Cheque/ECS return
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Total
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Risk Rating
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S1 > 100 , S2 : 96 - 100 , S3 : 91-95 , S4< 91
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