Credit Operating Guidelinesfor FST

Training on Credit Operating Guidelines

Topics Covered • Approved Product by ICICI • Basic Credit Norms for Various Profiles • Calculating Income from Financial Documents for various profiles. • Different Assessment Methods • LTV for various Products • Collateral Appraisal for Home Loan and LAP 2

Approved Product Offerings Home Loan Land Loan Home Loan against Loan Against Non Residential Lease Rental Balance Improvement Property Property – Premises Loan Discounting Transfer and Revenue Loans Generating Top Up Collateral Purchase of Purchase of Renovation or LAP Residential LAP Industrial Purchase of Express BT residential residential plot Extension of LAP Property commercial Express Top property LAP Refinance on existing Commercial property LRD against – Up residential residential Institutional Purchase of Godown/Wareh BT Under property property Property commercial ouse/Commerci Construction plot for al Property construction Construction on LAP LAP Nursing and own use self-owned plot Residential Plot Home LAP LAP BT / Top up Commercial Specialized under Income Assessment Plot Property 3

Basic Credit Norms 4

Credit Norms - Salaried 5

Credit Norms - SEP and SENP 6

7

Revenue Generating – Common Norms 8

Revenue Generating – Common Norms 9

Calculating Income 10

Income Consideration - Salaried 11

Income Consideration – SEP and SENP 12

Other Income – SEP and SENP 13

Income Assessment Methods 14

Salaried – Net Salary Method. 15

Self Employed – Net Profit Method 16

Self Employed - Industry margin 17

Self Employed - Gross Professional Receipt 18

Self Employed - Income Plus Method 19

Self Employed - GST Surplus Method 20

Self Employed – Banking Method 21

Rental Program 22

Self Employed – RTR Method 23

Balance Transfer 24

BT UNDER CONSTRUCTION PROPERTY 25

Top Up Policy 26

Lease Rental Discounting 27

LTV Grid 28

LTV Grid – Home Loan 29

LTV Grid/FOIR/LTV + FOIR Matrix – LAP/NRP 30

Collateral Appraisal 31

Collateral Appraisal – Home Loans 32

Collateral Appraisal – Home Loans 33

Collateral Appraisal – LAP 34

Collateral Appraisal – LAP 35

Collateral Appraisal – LAP 36

THANK YOU 37