Apply Loan

Credit Process - Appraisal and Disbursement process

Loan Sanction

Step 1
File Login as per checklist after Quality check at branch
Step 2
Bureau check and PD by Local Credit team
Step 3
Verifications – Legal, Technical, FI & FCU
Step 4
CAM preparation and appraisal by Credit
Step 5
Joint approval by Credit Committee at HO
Step 6
Joint approval by Credit Committee at HO

Loan Disbursement

Step 7
Completion of Loan kit by Branch Sales team with accepted Sanction Letter
Step 8
Signed kit uploaded in system
Step 9
Review by HO Operations team; pendency intimated to branch
Step 10
Final kit sent to HO after completion of Pendency
Step 11
Review by Operations for completeness
Step 12

Post Disbursement

Step 13
Documents scanning
Step 14
Storage of documents
Step 15
NACH registration & Insurance (MIS)
Step 16
Collection as per Schedule
Step 17
Credit monitoring