WINNING MOVES FREEDOM_FST

WINNING MOVES FREEDOM

Objective This document provides overview of what can be funded post relaxation of lockdowns. This is a subset of CREDIT GUIDELINES of Regular and Apna Ghar Products and will be updated from time to time. 2

WHO CAN BE FUNDED ? A. SALARIED Regular Salary Receipt in latest two months before disbursement – Bank and Cash Salaried Upto 25% Pay-cut during lockdown but stable salary receipt in latest two months – eligibility basis reduced salary. Applicants with pay cut of more than 20% but up to 25% will require pre login approval from NBH. Employees not part of negative list of segments A. SELF EMPLOYED All segments except negative segments for Regular Home Loan, Apna Ghar and Micro LAP Only specific positive segments for regular LAP and regular NRP. Any proposal which is other than specific positive segment (but not from negative segment) shall require pre login approval from NBH. Final approval to happen jointly between ZPM and Head-Credit Risk. 3

POSITIVE SEGMENT FOR REGULAR LAP AND NRP SALARIED Regular Salary Receipt in latest two months before disbursement – Bank Salaried Upto 20% Pay-cut during lockdown but stable salary receipt in latest two months – eligibility basis reduced salary SELF EMPLOYED Kirana / Grocery Stores / FMCG dealer / distributor Pharma Value Chain – Medical stores / Distributors / Manufacturers / Wholesalers APMC traders Gas Distributors Petrol Pump Owners Stationery shops / manufacturers Retail shops like hardware, Garments, Laundry, Tailors, Repair Shops, Electronics, Furniture and Fixtures, Salons, Sweet shops, Bakery etc Wholesale traders connected with positive segment listed herein Service industry w.r.t. Insurance and investment consultants, authorized service centers, registered coaching (academic / fine arts / extra curricular) institutes currently operating through online, interior decorators, BAMS / BDS / Ayurvedic doctors Agri Industry – Wholesaler and retailer of agricultural equipments, farm equipments and agri related products Packaging Industry Medical Testing labs Waste management companies Transportation companies involved in movement of goods. Self-employed Professionals like CA, CS, CWA, Doctors (MBBS and above), Architects, lawyers Any LAP / NRP proposal, other than positive segment above (but not from negative sector) shall require Pre login approval from NBH. Final approval to be ZPM and Head Policy and Credit Risk level. 4

FUNDING TO MORAT AVAILED CUSTOMERS Morat Availed What is allowed Morat 1.0 only (during March 1 2020 to May 31, 2020) Can be funded. Morat 2.0 only (during June 1, 2020 to August 31, 2020) Can be funded subject to ; 1. EMI for September 2020 and October 2020 cleared without any bounce. 2. EMI deferred during moratorium is pre-paid. Morat 1.0 and 2.0 (during March 1 2020 to August 31, 2020) Can be funded subject to ; 1. EMI for September 2020 and October 2020 cleared without any bounce. 2. EMI deferred during moratorium is pre-paid. Not availed Can be funded. 5

ADDITION TO CAUTION AND NEGATIVE LIST (COVID_ Caution (To be approved by RPM and above) Negative (Not Allowed) Additions to existing list due to COVID-19 Tours and Travel business Aviation and related entities Restaurants Hotel ( Lodging facilities) Contractual Staff incl. cash salaried and employees on third Cinema Halls and Entertainment Zones party pay roll) Event Managers E-commerce and Food Delivery Chains Resorts and Banquet Halls Taxi Owners Print Advertising Agencies Business which rely heavily on imported goods Gems and Jeweller, including shops which deal in high end items like watches, crystals Automobile Company / Dealers Seafood Exporters and Poultry Farm 6

PRODUCT AND INCOME SEGMENTS ALLOWED PRODUCT TRANSACTION ASSESSMENT METHOD REMARKS Regular Home Loan / Apna Ghar All methods except Industry Margin  Ready Property Purchase Funding as per policy norms pre- Regular Home Loan / Apna Ghar (Builder / Resale) All methods except Industry Margin COVID. Apna Ghar (AIP borrower)  Self-Construction Assessed Income Product As per policy norms pre-COVID  P+C Joint Approval for lower completion Regular Home Loan Builder Property (under Net Profit / Net Salary / Banking / stage subject to minimum of 20% Regular Home Loan / Apna Ghar Construction) GPR from ZBM and ZPM Micro LAP CAT A / APF – atleast 40% complete All methods except Industry Margin As per policy norms pre-COVID Regular LAP Others – 75% All methods except Industry Margin Approval for lower completion stage Regular NRP Builder Property -ALL (under All methods except Industry Margin subject to minimum of 20% with Construction) – at-least 75% Head Credit Risk. Regular Home Loan / LAP complete All methods except Industry Margin As per policy norms pre-COVID Land Purchase only – for future All methods As per policy norms pre-COVID construction within 3 years As per policy norms pre-COVID Balance Transfer and Top Up As per policy norms pre-COVID with SORP SOCP , NRP certain calibrated norms as per note All collaterals excluding PLOT LAP below. and Revenue Generating. As per policy norms pre-COVID with certain calibrated norms as per note Commercial Property Purchase below. Property should be 75% complete Approval for lower completion to be with Head Credit Risk. Top up to existing customer As per policy norms pre-COVID 7

CALIBRATED NORMS (REGULAR LAP AND NRP only) S.No Particular Norm 1. Assessment Method 1. All methods excluding Industry Margin 1. Moratorium Should not have availed Moratorium 2.0. if availed conditions as mentioned above to be fulfilled. 1. Tenure 10 years 1. Maximum Loan amount Maximum Loan amount shall be Lower of the following 1. 1. 1. Max Loan amount as per branch categorization and 2. For Fresh cases- 20% of topline or BT + Top Up as policy norms 60% - Residential Property LTV 50% - Commercial Property / NRP Double Whammy As per policy norms Relaxations for applicants Max tenure of 15 years having CIBIL score >750 and LTV and Double Whammy as per policy assessed under Net Profit *Above is not applicable to Micro LAP and NRP under Micro LAP 8

THANK YOU 9