Appraise credit on cash flow, not collateral

For new or enhanced limits, connect KYC, credit bureau reports, financial statements, working-capital assessment, internal rating, valuation and title opinion in one appraisal note. The sanctioning authority can decide on independent evidence of repayment capacity, with every limit check and policy deviation disclosed.

Starts when

Complete loan application, enhancement or ad hoc limit request
Renewal requiring fresh assessment

People in the process

CCredit AppraisalProcess Owner
KKYC OperationsParticipating Team
RRiskParticipating Team

The process is a starting point. The standards are yours.

Configure for the bank or lender’s category, permissions and applicable RBI directions. Outsourcing, customer conduct, recovery and reporting controls use the institution’s approved interpretation and delegated authority.

Keep the work connected.

Legal Recoveries

Choose SARFAESI, DRT or IBC from one enforcement file

When a loan defaults, bring the loan history, executed documents, security, certified statement of account, valuations and disputes into one account file. Legal Recoveries can confirm enforceability and limitation, and the recovery committee can choose the route before any notice issues.

CCRR

Legal Disputes

Defend borrower lawsuits from one approved fact record

When a borrower sues or escalates, reconcile signed terms, account statements, complaint history, notices and staff accounts into one approved fact record. Legal Disputes can track every filing deadline and counsel can plead consistent positions across consumer, civil and DRT forums.

OCE

Recoveries

Release security only after the settlement is fully paid

Track each one-time settlement instalment against the sanctioned amount, schedule and conditions before closing the loan account. Recoveries can withdraw pending cases, release security, return original documents and issue the no-dues certificate only once every term is met.

FLC

Explore all Banking & lending processes.

Order for the work. Room for the people.