Credit Assessment

Calculation

INCOME DETAILS

Applicant Name

Applicant Aadhaar

Applicant Cibil Score

Name of Co-Applicant

Co-Applicant Aadhaar

C0-Applicant Cibil Score

INCOME DETAILS

Business Name

Daily Sales

FIR Daily Sales

MCS Daily

Credit Daily

Monthly sales

Total FIR Value

Total MCS Value

Credit Value

% Gross Margin

FIR

MCS

Credit

Gross profit

FIR

MCS

Credit

If Any Other Business

Income of Applicant & Co-Applicant

Business Name

Daily Sales

FIR

MCS

Credit

Monthly sales

% Gross Margin

FIR

MCS

Credit

Gross profit

FIR

MCS

Credit

Total

FIR

MCS

Income of Applicant & Co-Applicant

Name of the Applicant

Income of Applicant (FIR)

Income of Applicant (MCS)

Credit (Applicant)

Name of the Co-Applicant

Income of C0-Applicant (FIR)

Total Income

Income of Co-Applicant (MCS)

Total Income

Credit (Co-Applicant)

Total Income

Other Income Sources

Rental Income

FIR

MCS

Credit

Others

FIR

MCS

Credit

Others

FIR

Total

MCS

Total

Credit

Total

Total Income

FIR Total

MCS Total

Credit Total

Expenditure Details

Employees Avaliability

Wages of Employees

FIR (Employee Wages)

MCS (Employee Wages)

Credit (Employee Wages)

Name of Employees-1

FIR (Daily Employee Wages)

MCS (Daily Employee Wages)

CREDIT (Daily Employee Wages)

Name of Employees-2

FIR (Daily Employee Wages)

MCS (Daily Employee Wages)

CREDIT (Daily Employee Wages)

Name of Employees-3

FIR (Daily Employee Wages)

MCS (Daily Employee Wages)

Credit (Daily Employee Wages)

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Rent

FIR Rent

MCS Rent

Credit Rent

Electricity Bill of Business

FIR ElectricityBill

MCS Electricity Bill

Credit Electricity Bill

Maintainence(water bill,sweeper charges,etc)

FIR Maintainence

MCS Maintainence

Credit Maintainence

Total Bills

Total FIR

Total MCS

Total Credit

Family Expenditure Details

Food Bills

FIR Food Bill

MCS Food Bill

Credit Food Bill

Electricity Bill

FIR Electricity Bill

MCS Electricity Bill

Credit Electricity Bill

Rent

FIR Rent

MCS Rent

Credit Rent

Utility Bills(mobile,petrol,etc)

FIR Utility Bill

MCS Utility Bill

Credit Utility Bill

Hospital or Medical Bills

FIR Hospital or Medical Bills

MCS Hospital or Medical Bills

Credit Hospital or Medical Bills

Educational fees(school,tution,books)

FIR Education

MCS Education

Credit Education

Total Bills

Total FIR

Total MCS

Total Credit

Loan Obligation

NO of Loans on Other Companies

Name of the Company

Type of Loan

Loan Amount

Monthly EMI

Name of the Company

Type of Loan

Loan Amount.

Monthly EMI .

Name of the Company

Type of Loan

Loan Amount

Monthly EMI

Name of the Company

Type of Loan

Loan Amount

Monthly EMI

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Total

Total EMI

Income Analysis

BUSINESS

FIR Business Income

MCS Business Income

Credit Business Income

Family

FIR Family Income

MCS Family Income

Credit Family Income

Total

FIR Total

MCS Total

Credit Total

Expenditure Analysis

Family

FIR Family Expenditure Analysis.

MCS Family Expenditure Expenses

Credit Expenditure Analysis

BUSINESS

FIR Expenditure

MCS Business Expenditure

Credit Business Expenditure Analysis

Total

FIR Total

MCS Total

Credit Total

LOAN DECISION

Net Income

FIR Total

MCS Total

Credit Total

Name of Company

Loan Amount

EMI Amount

Loan Obligation

DSCR

Credit DSCR

Loan Eligible

Yes

No

Reason

Loan Allotted Amount