1. WELCOME OLP (Online Loan Processing) OLP (Online Loan Processing) 01-May-2015, Friday

2. OLP Setup / Master Data Following master setup will be provided User creation with roles and responsibilities for the processing Customer Master – Input / Upload Loan Master – input / Upload Valuators Master Advocates Master Vehicle dealer master Customer rating master Interest rate master Paying officers master MIS

3. Pre Sanction Process Following pre sanction process will be provided. Accept completed loan application from customer Verify internal credit rating of the customer / co-applicant Scrutiny of application and security details Inspection by internal staff Request for verification authorities for legal / valuation Exception handling in case of additional information Recommendation letter based on the legal / valuation report

4. Sanction Process Following sanction process will be provided. Multiple level of sanction process Request for additional information Recommend for loan sanction at the level Mobile APP for voting on loan application Meeting resolution if the sanctioning authority is a committee Approve the loan sanction Ratification of the approval Generate the documents for the sanction letter

5. Post Sanction Process Following post sanction process will be provided. Get the consent for sanction conditions Record charge creation ◦ By Hypothication ◦ By Mortagauge ◦ By deposit of title deed and relevant documents Post sanction inspection report from officer Collect RC Book in case of vehicle loan

6. Dynamic Ratios Some of the key ratios available for decision making are Debt Service Coverage Ratio Debt Equity Ratio Profit to revenue ratio Loan to Value ratio

7. Mobile APP for Valuator Valuator can enter the details in the Mobile application and upload the photos to the application after verification

8. THANK YOU