customer loan origination system

CUSTOMER LOAN ORIGINATION SYSTEM

PART 1 (ANDROID MODULE)

HUNTERLead GenerationHigh/Medium/

Low leads

HUNTERLAF filling

KYC docs/SoA/DGH

Personal Ref Check

GATHERERFinancial AppraisalFactory 1 & Factory

2 visit(mandatory if the business place is

rented)

BM/ABM100% Business

validation & Personal InterviewHouse-hold Visit

Buyer/Supplier Ref Check

If file has errors the same will be pushed back to branch as a

Branch Rework Case

SANCTION

DISBURSEMENT

LUCWithin 45 days of

loan disbursement

LVRWith in 30 days 1st

QtrOnce every Qtr

Sales Process - Comprehensive

Lead Generation• LUC/LRV• BRWTasks• Basic Info: App/Co-App, Business• KYC/Doc• BankingApplication Form• Personal Reference Check• Buyer/Supplier detailsPersonal Verification• Assets• Liabilities• Monthly Income StatementFinancial 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

Manager1 Declaration of good health ü2 Application document checklist ü3 Personal details & Reference check ü4 Residence Verification ü5 Residence location GPS tagging ü6 Business Details ü8 Business location GPS tagging ü9 Landlord/Neighboring factory ref check (only for rented business premises) ü

10 Buyer/Supplier details ü11 Buyer/Supplier Reference check ü12 Customer personal details ü13 Customer residence address ü14 Customer permanent address ü15 Personal KYC documents ü16 Banking details & Bank Statement ü17 Business Address ü18 Business information ü19 Loan details ü ü ü20 B/S sheet ü21 Cash flow ü22 LA/ABM/BM Comment ü ü ü23 Business Inventory worksheet ü24 Financial worksheet ü

Mobile Application: Loan Officer/ Hunter

LEADS

APPLICATION

TASKS

SETTINGS

012345678

5

32

7

1

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 Uncontactable 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 LeadsAdding a lead would require following detailsBASIC:1) *First Name2) Middle Name3) Last Name4) *Gender5) Stage

(Raw Lead, UnContactable, Not Interested, Ineligible Qualified, Qualified-Docs issue, Converted)

6) Potential (Hot, Warm, Cold, Unrated)BUSINESS:7) * Sector(Man, Service, Trading)8) * Industry9) ProductADDRESS:10) Type(Work, Present, Permanent)11) Location12) Address ( incl Co Name)13) PIN14) *MobileLOAN:15) Loan use (WK. CI, DC, AF, TF)16) Loan Demand (Rs.)NEXT ACTION17) Date (choose from calendar scroll)18) Action: Call / Visit / MailREMARK: (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.

ALLClick to add a LEAD

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 DetailsLoan 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

CallUser 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’

Scrollable

Convert to Customer

Application ID Pending

101000101Name: Lorem Ipsum Disbursed

101000107Name: Lorem Ipsum dolor Operations

101000111Name: Lorem Ipsum dolor Credit 1/2/3

101000112Name: Lorem Ipsum dolor Gatherer

101000105Name: Lorem Ipsum dolor Branch review

101000106Name: Lorem Ipsum dolor BM

101000102Name: Lorem Ipsum dolor Rejected

101000103Name: Lorem Ipsum dolor Cancelled

101000104Name: Lorem Ipsum dolor

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

0 1 2 3 4 5 6 7 8 9 10

32

71

45

79

1

101000101 Pending

101000107 Complete

101000111 Operations

Graph ViewPending

GathererBranch Manager

At CreditBranch Rework

SanctionedRejected

DisbursedCancelled

ALL Graph View

Click to draft an Application

Clicking on this opens the collapsible Graphical Representation of Applications’ status. C

ollapsable

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: sdasdasfdsadfStage: Product Type: ML, MQ, HL,ALEMI Date: 7th, 15th, 21stRepayment Mode: PDC, ACHLoan Amt/Sanctioned Amt: ###/###EMI: ##### Disbursed Date: Pending/(dd/mm/yy)Loan Tenure: 12 monthsLoan Use: WK, AF, CI, DC

ProfileBusinessAnalysisReferencesKYC

(Application Id) When Loan is Sanctioned or Disbursed

Hunter: Application Details

Applicant Name: sdasdasfdsadfStage: Product Type: ML, MQ, HL,ALLoan Applied: ######Repayment Mode: PDC, ACHLoan Tenure: 12 monthsLoan Use: WK, AF, CI, DC


(Application Id) Before Loan Sanction

Hunter: Drafting an Application

New 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. PAN7. VID8. Date of Birth:9. Date/Month: (based on the date when customer signed the Application form)

Search Result Format: Next slide.


Application ID Stage101000101Name: Lorem Ipsum Disbursed

101000107Name: Lorem Ipsum dolor Rejected

101000111Name: Lorem Ipsum dolor Cancelled







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

For Existing Customer


Applicant Name: Lorem Ipsum DolorStatus: DisbursedProduct Type: ML, MQ, HL,ALEMI Date: 7th, 15th, 21stRepayment Mode: PDC, ACHLoan Amt/Disbursed Amt: ###/###EMI: ##### Disbursed Date: (dd/mm/yy)Loan Tenure: 12 monthsType of Loan: WC, CI, DC, CPurpose: R/E, M/E, WC, DC


(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 2Case 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 ActionLorem Ipsum Dolor Applicant Make Co-ApplicantLorem Ipsum Dolor Co-Applicant Make ApplicantLorem Ipsum Dolor Co-Applicant Make Co-Applicant

Save Cancel Clicking on Save navigates to interface shown in next slide

For Existing Customer

Same previous Applicant/Co-Applicant will be used for new application when choosing them from old file

Applicant Name: sdasdasfdsadfStatus: PendingProduct Type: ML, MQ, HL,ALLoan Amount: ########Loan Tenure: 12 monthsAffordable EMI: #####Type of Loan: WC, CI, C, OPurpose: R/E, M/E, WC, DC

ProfileBusinessAnalysisReferencesChecklist and SubmitHistory:


(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

Dropdown to select from:• 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.

For New Custo

mer

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)

Personal Information! 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

Radio button to select from:--Single/Married/Divorced/Widowed

Radio button to select from:--SC/ST/OBC/General

Radio button to select from:--Upto 5,6-12, Graduate

Input box accepting only numbers Mandatory FieldsRadio button to select from:--YES/NO

2,4,5,7,8,9,10,11,12,13,14

Address: Current Residence1. 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/DeviationsDropdown : 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 digits11- 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 digits2. 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 FormatDropdown to select from: Dropdown will only show addresses that have been filled.• Applicant (Current Address)• Business Address




Input box accepting only 6 digits


Input box accepting only numbers

Warnings/Alerts

ALERT: Ʃ(Applicant_Current_Address.11 + Applicasnt_permanent_Address.11) should be >=3

Mandatory Fields2,3,4,5,6,7,8,9,10,11

Parameters Input FormatTake Snapshot 1 Pops up device camera

to take snapshotTake Snapshot 2

Personal KYC Docs


Profile (Applicant)

IDENTITY Signature Address Date of Birth

Parameters Input FormatID 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

OTHERSIncomplete

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


Upon

Clic

king

Upon Clicking

Parameters Input FormatName 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


Radio to select from:• Current Account• Savings Account


Input box accepting only 11 characters

Checkbox : Yes/No

Warnings/Alerts DeviationsIf Acc. Age == 0.5-1||1-3||3+ && Statement Period < 6 monthsWarning: Account Statement is less than 6 months

Deviation == 1Level == BM

Parameters Input Format1. Start Date

Calendar scroll to tag date2. 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.

Personal Information! 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


Profile (Co-Applicant)Input Format Mandatory Fields

Input box accepting only Characters 2,4,5,7,8,9,10,11,12,13Calendar 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}

Radio to select from: --Male/Female

Dropdown to select from:--Single/Married/Divorced/Widowed

Dropdown to select from:--SC/ST/OBC/General

Dropdown to select from:--Upto 5,6-12, Graduate

Dropdown to select from:Spouse, Partner, If (!Spouse): add 1 more field asking


Radio to select from: Yes/No

• NO. OF DEPENDENT CHILDREN

Current Residence Address1. 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

Input Format Warnings/AlertsDropdown to select from:Owned/Rented/Ancestral/Others• If “Rented” – Add 2 more input fields asking• If “Others” – Add 1 more input field asking






Two input boxes:1. For STD code: accepting only 4 digits2. For tel. no.: accepting only 8 digits


-

*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

Input Format Warnings/AlertsDropdown to select from:• Applicant (Current Address)• Applicant (Permanent Address)• Co-Applicant 1 (Current Address)• Business Address





Input box accepting only 10 digits. “+91” needs to be added as a prefix to mobile no. while saving in the database Mandatory Fields

Input box accepting only numbers 2,3,4,5,6,7,8,9,10,11

Banking & Active LoansBANK 1 DETAILS

1. BANK ACCOUNT AGE

2. BANK NAME

3. BANK BRANCH NAME

4. ACCOUNT TYPE


6. ACCOUNT NUMBER

7. IFSC CODE






Input FormatRadio to select from:<=0.5,0.5-1, 1-3, 3+





Checkbox : Yes/No









Business

Business Profile

Business Details

Banking

KYC/Docs


(Application Id)

Business Profile - 11. 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


BusinessInput Format





Dropdown list to select from: Owned/Ancestral/Rented• If “Owned” – Add 1 more field asking• If “Rented” – Add 2 more input fields asking


Two input boxes:1. For STD code: accepting only 4 digits2. For tel. no.: accepting only 8 digits


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 - 21.. 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.)


BusinessInput Format Warnings/Alerts/Deviations

Dropdown to select from: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

Dropdown to select from: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

BankingBANK 1 DETAILS

1. BANK ACCOUNT AGE

2. BANK NAME

3. BANK BRANCH NAME

4. ACCOUNT TYPE


6. ACCOUNT NUMBER

7. IFSC CODE





Business

Input FormatRadio to select from:<=0.5,0.5-1, 1-3, 3+





Checkbox : Yes/No









References

Personal


(Application Id)

Personal


ReferencesParameters Input Format

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 Input box accepting characters

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 Input box accepting characters

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.

Applicant Name: sdasdasfdsadfStatus: PendingProduct Type: ML, MQ, HL,ALLoan Amount: ########Loan Tenure: 12 monthsAffordable EMI: #####Type of Loan: WK, CI, DC, CPurpose: R/E, M/E, WC, DC

ProfileBusinessAnalysisCredit Bureau CheckReferencesChecklist and SubmitHistory:

(Application Id)

Gatherer: Financial AnalysisSets the Application stage as “Gatherer”

Personal Information1. 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

Gatherer: Financial Analysis

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 GCPPAmount 50,000 - 3,00,000 50,000 - 10,00,000

Usage

a. loans below 24 months; or andb. 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 AssetsTOTAL HOUSEHOLD ASSETS: 0000000.00

LAND & BUILDING 1 #######



ADVANCE RENT #######

VEHICLE #######

OTHER #######

Analysis

Parameters1. NAME

2. VALUE

Input FormatInput box accepting characters

Input box accepting numbers


Household IncomeTOTAL HOUSEHOLD INCOME: 0000000.00

SALARY – SPOUSE #######

SALARY - CHILDREN #######

SALARY – OTHER #######

RENTAL INCOME #######

Analysis

Parameters1. NAME

2. VALUE



Business


Household ExpensesTOTAL 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




Parameters 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 AssetsTotal 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

Parameters1. PARTICULAR

2. QUANTITY

3. PURCHASE PRICE/UNIT (Rs.)

4. AMOUNT




Amount = 2 X 3

=Ʃ(Amount)

Parameters1. PARTICULAR

2. QUANTITY

3. SALES PRICE/UNIT (Rs.)

4. AMOUNT




Amount = 2 X 3

Total = A+B+C


Inventory

Business LiabilitiesTOTAL 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 InstallmentBal: 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: SummaryA) GROSS MARGIN ESTIMATION GM%/GM Rs.

A.1) PRODUCT 1 GM%/GM Rs.

A.2) PRODUCT 2 GM%/GM Rs.

INCOMEB) 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

Gatherer: Financial AnalysisFor 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

Business Income Estimation: Summary

Analysis

Gatherer: Financial AnalysisFor Trading Industry

Add another productNote: 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

Business Income Estimation: SummaryA) 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

Gatherer: Financial AnalysisFor 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 MATERIALInput box accepting numbers

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. QUANTITYInput box accepting numbers

3. AMOUNT

4. SNAPSHOT Pops up device camera to capture snapshot

Radio to sort/filter dataDefault 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.1.1MONTHLY 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)• MONTHLY VOLUME = Ʃ (Quantity)• ENTRY COUNT = Number of bill entries



2. VENDOR NAME Dropdown list of Vendor Names


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)• MONTHLY VOLUME = Ʃ (Quantity)• ENTRY COUNT = Number of bill entries



2. VENDOR NAME Dropdown list of Vendor Names


3. AMOUNT


SECTION RETURN

MANUF.C >> MANUF.2.1 >> MANUF.C.2.1MONTHLY 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. PARAMETERDropdown to select from:Raw Material/Direct Wage/Direct Expense/Scrap Sale/Loss

2. NAME Input from Autocomplete Text Box

3. RATEInput box accepting numbers

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.1.1MONTHLY UNITS

MANUF.D >> MANUF.D.1 >> MANUF.D.1.2

Input Format

Input box accepting Characters

• MONTHLY UNITS = Ʃ (Units)• ENTRY COUNT = Number of bill entries

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

MANUF.D >> MANUF.D.2 >> MANUF.D.2.1MONTHLY PRODUCTION

MANUF.D >> MANUF.D.2 >> MANUF.D.2.2

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. 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. 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 3SECTION

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. UNITSInput box accepting numbers

3. AMOUNT


To Add details of another Buyer/SupplierNote: 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.CTOTAL 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 BadJan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

MONTHLY

GOOD: ########

REGULAR: ########

BAD: ########


RETURN: MONTHLY SALES

Operating ExpensesTOTAL 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 SummaryINCOME 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)Parameters Input Format

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/SupplierBUYER 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 FormatInput box accepting Characters





Mandatory Fields1, 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