Parameter FUW SAL ETB DOE New ABB Program NIP MTS DOE 1 SAL Govt SAL LITE

Super Segment - 35L (State

10L Govt - 25L)
Max LA 38L 38L 17L 38L 12L for Super Green & Green Max 15L GA - 15L 5L
loan with ever HL GB - 10L
GO - 5L
Employee Strength 30 30 30 30 30 1 NA 30
Company Vintage 2 Yrs 2 Yrs 2 Yrs in Pvt | 3 yrs in LLP 2 Yrs 2 Yrs NA NA 2 Yrs
Min Age 23 23 23 23 25 23 23 23
Max Age 59 Yrs at the time of loan maturity 59 Yrs at the time of loan maturity 55 yrs at the time of loan maturity 59 Yrs at the time of loan maturity 55 yrs at the time of loan maturity 55 yrs at the time of loan maturity 62 Yrs at the time of loan maturity45
with
Yrsretirement
at Application
proof

Min CIBIL cut-off in MTS Program

is 650 except Dark Red Segment
Cibil Score 685 685 685 685 720 685 700
•NO deviation on CIBIL Score
<650 in MTS program

Max LA Capping - Max LA Capping - Max LA Capping - Max LA Capping - Max LA Capping -
*Super Green - 15L *Super Green - 15L *Super Green - 15L *Super Green - 15L *Super Green - 15L
PL Score 650-710 *Green - 12L No applicable *Green - 12L *Green - 12L NA *Green - 12L *Green - 12L 650
*Amber - 10L *Amber - 10L *Amber - 10L *Amber - 10L *Amber - 10L
*Red-8L *Red-8L *Red-8L *Red-8L *Red-8L
<650 allowed if ABB > 15K with
PL Score <650 650, if < 650 then salary >75K No applicable 650, if < 650 then salary >75K Not Allowed Not Allowed <650 not allowed 650
FOIR 55%
Allowed in No Hit program with Allowed in No Hit program with Allowed for Super segment
No Hit Not Applicable Allowed if tradelines are there Not Allowed Not Allowed Not allowed
max LA capping of 10L max LA capping of 10L and GA category only
1 month
1 month for Listed and 6 months Total Emp vintage >=3 Yrs
1 month 1 month 1 month 2 Yrs Super Segment and GA |
Current Employment Vintage for unlisted 3 months **1-3 Yrs allowed in Nashik, 6 months
Total Emp vintage >=3 Yrs Total Emp vintage >=3 Yrs Total Emp vintage >=3 Yrs 3 yrs in GB/GO Category
Total Emp vintage >=3 Yrs Aurangabad, Chandigarh,
Ludhiana, Mysore, Vadodara
Mandatory if deducting from Mandatory if deducting from Not mandatory if official mail
EPFO Mandatory Mandatory Mandatory NA Not Mandatory
salary slip salary slip confirmation available
Mandatory if no change in
Mail Confirmation Not Mandatory if EPFO match employer and mail confirmation If not then Geo tagging Not Mandatory if EPFO match Not Mandatory Not Mandatory NA Not Mandatory
given previously
*Location level salary
*Kolkata & Ahmedabad - 35K
*For below locations, min salary
Location level - is 30k
Average of last 3 months salary, • All Annex locations >50K
Super Segment - 75K
if difference between highest • Hosur >40k for Nashik, Aurangabad,
Min Salary Location level >=50K Location level GA - 50K 27K
and lowest net salary is within • Nasik Chandigarh, Ludhiana, Mysore,
GB/GO - 27K
30%, else lowest net salary to be • Aurangabad Vadodara
considered • Chandigarh
• Ludhiana
• Vadodara
• Mysore
Amber segment with NTH
>=75k allowed
Dark Red also allowed if ABB > 15K All segments are allowed
Risk Segment SG/G/A/R SG/G/A/R SG/G/A/R Super Green and Green Red segment with NTH >=1L SG/G/A
with FOIR 55% Dark Red Max LA capped at 8L
allowed
Dark Red not allowed
Thick Loan NA Thick loan mandatory NA NA NA Thick loan mandatory NA NA
Multiplier As per grid As per FUW As per FUW As per grid 10 10 As per FUW 10

60% if salary < 50K 60% if salary < 50K 60% if salary < 50K 60% if salary < 50K 60% if salary < 50K 60% if salary < 50K
Flat 70%
FOIR 65% if salary > 50K 65% if salary > 50K 65% if salary > 50K 65% if salary > 50K 65% if salary > 50K 65% if salary > 50K 60%
75% allowed if ABB >25K
70% if salary > 50K and ever HL 70% if salary > 50K and ever HL 70% if salary > 50K and ever HL 70% if salary > 50K and ever HL 70% if salary > 50K and ever HL 70% if salary > 50K and ever HL

Applicable if -
Applicable if - Applicable if - Applicable if - Applicable if -
*ABB >40k AND
*ABB >40k AND *ABB >40k AND *ABB >40k AND *ABB >40k AND
*Salary >1L in Prime OR Salary
5% kicker inn FOIR *Salary >1L in Prime OR Salary *Salary >1L in Prime OR Salary Not applicable *Salary >1L in Prime OR Salary Not applicable *Salary >1L in Prime OR Salary Not applicable
>75k in Growth market AND
>75k in Growth market AND >75k in Growth market AND >75k in Growth market AND >75k in Growth market AND
*Super Green OR Green
*Super Green OR Green Segment *Super Green OR Green Segment *Super Green OR Green Segment *Super Green OR Green Segment
Segment
 *Majority BNPL – Low & Medium
*Majority BNPL – Low & Medium for salary as per location level
for salary as per location level salary norms in Super Green
*At least 1 BNPL / NO BNPL –
salary norms in Super Green segment At least 1 BNPL / NO BNPL –
At least 1 BNPL / NO BNPL – High High allowed with 55% FOIR and At least 1 BNPL / NO BNPL – High
segment Only Majority BNPL – High Not *Majority BNPL – Low & Medium High Not allowed
Leverage Norms allowed ABB of 15K Not allowed Deviation not allowed
*Majority BNPL – Low & Medium allowed allowed for other than Super Majority BNPL – High Not
Majority BNPL – High Not allowed *Majority BNPL – High Not Majority BNPL – High Not allowed
allowed for other than Super Green segment only if salary allowed
allowed
Green segment only if salary >1.5L >1.5L
*Majority BNPL – High Not Allowed *Majority BNPL – High Not
Allowed
Location All SAL PL Prime Location All SAL PL Prime Location All SAL PL Prime Location All SAL PL Prime Location Low and Medium Only Low Geo cluster All SAL PL Prime Location Prime, NX and G1
Live PLCS Offer Allowed Allowed Allowed Allowed Allowed if CD Preferred offer available Allowed Allowed As per FUW
SG and G - 1 salary slip 3 salary slips mandatory
Salary Slips As per FUW 1 salary slip mandatory Not require 1 salary slip mandatory 1 salary slip mandatory As per FUW
Amber and Red - 3 salary slips Salary slip not require inn NIP
MCA Listed, Partnership,
All Govt entities except
Eligible companies Only MCA listed and Govt entities Only BFL listed and Govt entities Proprietorship, Govt and LLP's are Only BFL listed and Govt entities Only MCA listed and Govt entities MCA listed Listed only
Railway and defence
allowed
1 month Enquiry Norms Applicable Applicable Applicable Applicable Applicable Applicable Applicable Applicable
12 month Enquiry Norms Bureau Thin customer having >=7 enquiries in last Allowed
12 months having salary
Bureau
<1.5LThin
is not
customer
allowed having >=7 enquiries
BureauinThin
lastcustomer
12 monthshaving
having>=7
salary
enquiries
<1.5L in
is not
last
Allowed
allowed
12 months having salary
Bureau<1.5L
Thin
is customer
not allowed
having >=7 enquiries
Bureau Thin
in last
customer
12 months
having
having
>=7 salary
enquiries
<1.5L
NA
inis
last
not12allowed
months having salary <1.5L is not allowe

1) Term Loan & Dropline for LA < 5L

Loan Type All All 2) Term Loan & Dropline for All All All Hybrid flexi not allowed in GO category Term/Dropline
Red/Dark Red segment

Not applicable if below conditions

T1 - Allowed with Salary 50K or
are met
ever CC with location level salary
Marginal Segment Not allowed 1. BFL SALPL ETB Customer AND Allowed Not allowed Not allowed Allowed Not Applicable
T2 - Allowed with Salary 40K or
2. HL (Ever) in CIBIL report AND
ever CC with location level salary
3. Live Credit Card in CIBIL report

Not Applicable
ABB for last 6 months and for last ABB for last 6 months and for last ABB for last 6 months and for last ABB for last 6 months and for ABB for last 6 months and for ABB for last 6 months and for
ABB Norms *Applicable only for Delhi, NA
month should be > 5K month should be > 5K month should be > 5K last month should be > 5K last month should be > 5K last month should be > 5K
Bengaluru & it’s Annex locations
Paperless BT NA NA Allowed NA Allowed NA Allowed NA
No CC ever in CIBIL report with No CC ever in CIBIL report with No CC ever in CIBIL report with No CC ever in CIBIL report with No CC ever in CIBIL report with
Carded Salary <50k not allowed to source Not applicable Not applicable Salary <50k not allowed to Salary <50k not allowed to Salary <50k not allowed to Salary <50k not allowed to NA
in SAL PL overall source in SAL PL overall source in SAL PL overall source in SAL PL overall source in SAL PL overall
Delhi, Mumbai & Chennai & it's Delhi, Mumbai & Chennai & it's Delhi, Mumbai & Chennai & it's
annex locations - Unlisted annex locations - Unlisted annex locations - Unlisted
Location Specific Norm 1 Allowed Allowed Allowed NA NA
companies allowed with Super companies allowed with Super companies allowed with Super
Green segment Green segment Green segment
Pune/ Hyderabad/
Amber and Red segment allowed Amber and Red segment allowed Amber and Red segment allowed
Baroda & it’s Annex
with salary >1.5L in Pune/ with salary >1.5L in Pune/ with salary >1.5L in Pune/
Location Specific Norm 2 Allowed Allowed Allowed Allowed locations - Amber
Hyderabad/ Baroda & it’s Annex Hyderabad/ Baroda & it’s Annex Hyderabad/ Baroda & it’s Annex
segment allowed with
locations locations locations
salary >1.5L in

Bangalore - Allowed only in Super Bangalore - Allowed only in Bangalore - Allowed only in Bangalore - Allowed only in
Location Specific Norm 3 Allowed Allowed Allowed NA
Green & Green segment Super Green & Green segment Super Green & Green segment Super Green & Green segment

In Bangalore, Delhi & it’s Annex In Bangalore, Delhi & it’s Annex In Bangalore, Delhi & it’s Annex
locations, unlisted company with locations, unlisted company with locations, unlisted company with
Location Specific Norm 4 NO HL ever in CIBIL report not Allowed Not applicable NO HL ever in CIBIL report not Not applicable NO HL ever in CIBIL report not NA NA
allowed except Super Green allowed except Super Green allowed except Super Green
segment segment segment
Super Green allowed with salary Super Green allowed with salary Super Green allowed with salary
>50K >50K >50K
Allowed Allowed Allowed NA Not allowed
Green and amber allowed with Green and amber allowed with Green and amber allowed with
salary >1L salary >1L salary >1L
Unlisted Norms For Age <30 years with
For Age <30 years with customer For Age <30 years with customer For Age <30 years with customer For Age <30 years with customer customer having no HL
having no HL ever & working in having no HL ever & working in having no HL ever & working in having no HL ever & working in ever & working in
Allowed Allowed NA
Unlisted (Unlisted/ Delisted/ Unlisted (Unlisted/ Delisted/ Unlisted (Unlisted/ Delisted/ Unlisted (Unlisted/ Delisted/ Unlisted (Unlisted/
Unlisted LLP) not allowed Unlisted LLP) not allowed Unlisted LLP) not allowed Unlisted LLP) not allowed Delisted/ Unlisted LLP)
not allowed
Not required if salary >50K in
Qualificationn Certificate Not require NA
GO category
Deviations As per deviation Matrix NA