MATH3RA ROA&4 REPORT NE5 &ELHI PROJECT

ON HOME LOANS IN ICICI

Project Report Submitted Toward T!e Partia" #u"$i""me%t #or Award O$ T!e &e'ree O$ Ma ter o$ (u i%e Admi%i tratio%
)*++,-*+.+/

Submitted To (0
SHARMA #acu"t0 1uide M(A-2t!

Submitted
ROHIT Sem

ASIA PACI#IC

. *

CONTENTS

Ac6%ow"ed'eme%t

E7ecuti8e Summar0

C!apter . 9 I%troductio%

C!apter * 9 Product

C!apter : 9 Objecti8e a%d Ratio%a"e o$ t!e Project

C!apter 2 9 Re8iew o$ Literature 2;. (u i%e Proce

2;* T0pe o$ Apprai a" 2;: Propert0 &ocume%tatio% 2;2 <%ow =our Cu tomer Comp"ia%ce 2;> Repa0me%t Trac6 Record ba ed "e%di%'

C!apter > 9 Re earc! Met!odo"o'0 >;. Re earc! &e i'%

>;* Samp"e &e i'% >;: Re earc! Too" a%d ?ue tio%%aire >;2 A%a"0 i a/ Porter@ $i8e $orce mode" (/ S5OT A%a"0 i c/ Comparati8e tud0 o$ ICICI (a%6 Ltd a%d H&#C

C!apter A 9 Re earc! #i%di%'

C!apter B 9 Summar0 a%d Co%c"u io%

(ib"io'rap!0

AC<NO5LE&1EMENT

I am ob"i'ed to a"" t!e peop"e w!ic! i%c"ude m0 ma%a'er a%d me%tor a%d m0 co""ea'ue $or co-operatio% duri%' t!e i%ter% !ip; M0 i%crea ed pectrum o$ 6%ow"ed'e i% t!i $ie"d i t!e re u"t o$ t!eir co%te%t uper8i io% a%d directio% t!at !a !e"ped me to ab orb re"e8a%t a%d !i'! Cua"it0 i%$ormatio%;

I wou"d "i6e to t!a%6 m0 $acu"t0 'uide M ; !arma $or !er 'uida%ce a%d e%ric!i%' m0 t!ou'!t i% t!i $ie"d $rom di$$ere%t per pecti8e ;

I wou"d "i6e to t!a%6 a"" m0 re po%de%t wit!out w!o e cooperatio% m0 tud0Dproject wou"d %ot !a8e bee% po ib"eDcomp"ete;

La t but %ot t!e "ea t4 I $ee" i%debted to a"" t!o e per o% a%d or'a%iEatio% w!oDw!ic! !a8e pro8ided !e"ped me direct"0 or i%direct"0 i% ucce $u" comp"etio% o$ t!i tud0;

ro!it

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E7ecuti8e Summar0
A'ai% t t!e mi"ieu o$ rapid urba%iEatio% a%d a c!a%'i%' ocio-eco%omic ce%ario4 t!e dema%d $or !ou i%' !a 'row% e7p"o i8e"0; T!e importa%ce o$ t!e !ou i%' ector i% t!e eco%om0 ca% be i""u trated b0 a $ew 6e0 tati tic ; Accordi%' to t!e Natio%a" (ui"di%' Or'a%iEatio% )N(O/4 t!e tota" dema%d $or !ou i%' i e timated at * mi""io% u%it per 0ear a%d t!e tota" !ou i%' !ort$a"" i e timated to be .F;2 mi""io% u%it 4 o$ w!ic! .*;BA mi""io% u%it i $rom rura" area a%d A;A2 mi""io% u%it $rom urba% area ; T!e !ou i%' i%du tr0 i t!e eco%d "ar'e t emp"o0me%t 'e%erator i% t!e cou%tr0; It i e timated t!at t!e bud'eted * mi""io% u%it wou"d "ead to t!e creatio% o$ a% additio%a" .+ mi""io% ma%0ear o$ direct emp"o0me%t a%d a%ot!er .> mi""io% ma%-0ear o$ i%direct emp"o0me%t;

A 0ear eCuate a ce%tur04 6%ow"ed'e compre e time a%d t!e i%$ormatio% tec!%o"o'0 weep t!e wor"d4 'at!eri%' mome%tum wit! eac! %ew app"icatio%4 oari%' toward $re ! 'oa"4 rapid"0 ope%i%' 8i ta !it!erto u%6%ow%; Here we are4 i% t!e *. t ce%tur0G;=ear t!at catapu"t u toward %ew c!a""e%'e at e8er0 ta'e o$ e%dea8or; It 'i8e u 'ood rea o% $or aimi%' !i'!;

<eepi%' t!e abo8e p!i"o op!0 i% mi%d4 t!i project i carried out wit! a% objecti8e to ide%ti$0 t!e ba ic %eed o$ t!e app"ica%t a%d t!e proce Ltd; o$ Home Loa% i% ICICI (a%6

T!e 8ariou area co8ered i% t!e report areH

I (u i%e

Proce

o$ Home "oa%

I T0pe o$ Apprai a" I Propert0 &ocume%tatio% I <%ow 0our cu tomer comp"ia%ce I Repa0me%t Trac6 Record "e%di%'

T!e $i%a" outcome o$ t!e report i to $i%d out t!e %umber o$ t!e app"ica%t w!o !a8e app"ied $or ba%6 "oa% i% t!e mo%t! o$ Ju%e a%d t!e a%a"0 i o$ t!e popu"atio% app"0i%' $or Home Loa% t!rou'! t!e amp"e iEe 2+;

T!e report i%c"ude t!e 8ariou product t!at are i%troduced b0 t!e ba%6 uc! a Home Loa% 4 Loa% a'ai% t propert04 La%d Loa%4 Propert0 O&4 Lea e Re%ta" &i cou%ti%'4 (a"a%ce Tra% $er4 etc; It co% i t o$ Cue tio%%aire w!ic! !e"ped to a%a"0Ee t!e $i%a" outcome o$ t!e report;

I%troductio%
ICICI (a%6 i I%dia@ No; . Home Loa% Pro8ider; At ICICI (a%6 Home Loa% 4 it o$$er u%beatab"e be%e$it to e% ure t!at t!e cu tomer 'et t!e be t dea" wit!out a%0 !a A%d ICICI (a%6 ma6e it e7treme"0 ea 0 $or t!em b0 o$$eri%' "e ;

J J J J J

Attracti8e "oa% i%tere t rate Home "oa% amou%t tarti%' $rom R ;* "a6!

Term "oa% up to *+ 0ear #ree Per o%a" Accide%t I% ura%ce I% ura%ce optio% $or 0our !ome "oa% at attracti8e premium

5it! 8aried o$$eri%' o$ !ou e "oa% a%d !ome $i%a%ce4 ICICI (a%6 Home Loa% 'i8e a% opportu%it0 to e"ect t!e per$ect "oa% a per t!e %eed o$ t!e cu tomer w!o ca% c!oo e $romH

J J J J J J

Adju tab"e Rate Home Loa% #i7ed Rate Home Loa% Part $i7ed4 Part #"oati%' Rate Home Loa% Smart $i7 Home Loa% Mo%e0 Sa8er Home Loa% a%d a" o (a"a%ce Tra% $er o$ 0our e7i ti%' !ome "oa% $rom ot!er ba%6 ;

A%d t!e ot!er cate'orie t!at t!e cu tomer ca% a8ai" are H

I La%d Loa% I I O$$ice Premi e Loa% Home Impro8eme%t Loa% a%d

I Home Loa% $or NRI;Cu tomer ca% a" o "e8era'e t!eir e7i ti%' propert0 to 'et

I Loa% a'ai% t Propert0 I Propert0 O8erdra$t or Lea e Re%ta" &i cou%ti%';

A"" o$ t!e e are a8ai"ab"e o% a% adju tab"e rate or a $i7ed rate;

C!a""e%'e i% t!e 'rowt! pat! T!e !ou i%' $i%a%ce i%du tr0 i 'oi%' to ob er8e po"ariEatio% o$ t!e p"a0er #or ur8i8a"4 t!e Hou i%' #i%a%ce I% titutio% !ou"d !a8e -H I 1ood i%8e tme%t i% peop"e a%d 0 tem I S!ou"d !a8e tro%' (u i%e Ori'i%atio% proce i% p"ace

I E7ce""e%t Credit Apprai a" S6i"" I Mo%itori%' t!e S0 tem i% p"ace I Stro%' Co""ectio% mec!a%i m i% p"ace I H#I@ ur8i8a" ca% be at ta6e

ICICI (a%6

RCL1 )Retai" Cu tomer Liabi"it0 1roup/

RAP1 )Retai" A et Product 1roup/

RCL1 dea" i% Accou%t i;e;4 Curre%t4 a8i%' a%d $i7ed; It "oo6 a$ter t!e "iabi"it0 ide o$ t!e ba%6 t!at co% titute t!e wit!drawa" a%d depo it o$ t!e cu tomer;

Sa"e departme%t

COPS D CAMCredit departme%t

Operatio% &epartme%t

Co""ectio% &epartme%t

Sa"e Ma%a'erCredit Ma%a'er &MA D &SACPA )Credit )&irect mar6eti%' Proce i%' A%a"0 t A'e%c0D direct a"e A'e%t/

Area Operatio% Ma%a'erCo""ectio% Cu tomer Accou%t Ma%a'er Ma%a'er &EO )&ata E%tr0 Operator/

Sa"e &epartme%t 9 It ba ica""0 earc! t!e cu tomer w!o i i% %eed o$ "oa% a%d pitc!e t!e di$$ere%t 6i%d o$ cu tomer accordi%'"0;

Credit &epartme%t 9 It i re po% ib"e $or Credit &ocume%tatio%4 Pro$i"e c!ec64 Le'a" a%d Tec!%ica" report o$ t!e cu tomer a%d !i propert0;

.+

Operatio% &epartme%t 9 It i re po% ib"e $or pu%c!i%' e%d to e%d; It doe N&C accordi%' to t!e R(I %orm a%d per$orm a$ter a"e C!eCue ; er8ice ; It co""ect t!e Po t &ated

Co""ectio% &epartme%t 9 It $u%ctio% at t!e time w!e% a%0 cu tomer i i% de$au"t;

.Ft! #ebruar0 .FFFGGGT!e "au%c! o$ ICICI (a%6 Home Loa% Sce%ario t!e% I New to t!e bu i%e I #ormidab"e competitio% I E%d to E%d de"i8er0 o$ t!e product t!rou'! t!e &MA bei%' do%e $or t!e $ir t time I Ambitiou 'rowt! p"a%

Home "oa% 9 Hi'!"i'!t Cu tomer ba e )a o% marc! *++>/H I =ear-to-&ateGGG;*BAB>A )Sa%ctio% ca e / I Li$e-to-&ateGGG;;A,B:A2 )Sa%ctio% ca e / I (oo6 SiEe )a o% Marc! *++>/ 9 R ;::.B>;*+ crore &i bur eme%t )=T&/G;R ;.,,B.;++ crore

..

Now 9 =ear *++B I .+++ K "ocatio% I ,2> K &irect mar6eti%' A'e%cie I .++++ K #OS acro t!e cou%tr0

I Ce%tra"iEed Ca"" Ce%ter co8eri%' a"" major tate a%d citie I Le8era'i%' corporate re"atio% !ip I Cro e"" i%itiati8e H "e8era'i%' cu tomer ce%tric data ware!ou e i%$ra tructure;

Po"ariEatio% 9 #uture Sce%ario I 5ea6 H#I wit! !i'! co t o$ $u%d L poor 0 tem wou"d e%d up a &SA ourci%' bu i%e i% t!e mar6et;

I H#I wit! "ow co t o$ $u%d but poor 0 tem ma0 tur% out to be bu0er o$ M(S I H#I wit! 'ood 0 tem i% p"ace but wit! !i'! co t o$ $u%d %eed to "oo6 at SecuritiEatio%; I H#I wit! Low co t $u%d a%d 'ood 0 tem wou"d be t!e major p"a0er ;

I Low mar'i% L Hi'! de"i%Cue%c0 ca% i%crea e t!e "e%di%' rate to co8er t!e co t o$ operatio% ; I Ca% $orce t!e H#I to re-"oo6 at it bu i%e mode";

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Product a%d &ocume%tatio%

Product H 5e O$$erHProduct 9 Home Loa% L MSELL .; Home Loa% )HL/ L Naria%ce I MN Le%di%' I Smart #i7ed I Part #i7ed L Part $"oati%' I #i7ed ROI wit! MMC I EMI i% u%der co% tructio% ta'e I Ma7 Mo%e0 9 S3R#

*; Mo%e0 Sa8er

:; Home Impro8eme%t Loa% )HIL/

2; La%d Loa% )LL/

>; O$$ice Premi e Loa% )OPL/

A; (a"a%ce Tra% $er )(T/

B; Top 9 3p Loa% .:

,; Cro

Se"" to Auto "oa%

F; No I%come Proo$ Loa% )NIP/

Product 9 LAP D O&

I Loa% A'ai% t Propert0 )LAP/

I Propert0 O& )Re ide%tia" D Commercia"/

I I%come Surro'ate (a%6i%' Product

I Lea e Re%ta" &i cou%ti%' )LR&/

New product i%troduced o% Ju%e 24 *++B

Lap o% La%d
#eature H.; T!ere mu t be a p"ot %umber; T!e p"ot mu t be proper"0 demarcated b0 $e%ci%' or bou%dar0 wa"";

.2

*; T!ere mu t be c!a%'e i% tra% actio% wit!i% "a t .+ 0ear ; T!e tit"e mu t be c!a%'ed;

:; La%d u a'e mu t be re ide%tia"; Commercia"4 a'ricu"tura" or i%du tria"iEed "a%d i %ot co% idered;

2; It !ou"d be &LA or Mu%icipa" appro8ed;

>; T!e "oa% amou%t ca% be betwee% B- >+ "a6! Low Loa% To Na"ue i;e;4 .A;*> O ROI o% :+ O LTN .A;>+ O ROI o% :> O LTN

A; Mi%imum P"ot Area mu t be ,++ Cuare $eet Ma7imum ca% be .++++ Cuare $eet;

B; Te%ure $or repa0i%' t!e "oa% wou"d be .+ 0ear ;

,; Ca e ca% be made o% I%come (a i or Repa0me%t Trac6 Record )RTR/ o$ a"" 6i%d o$ "oa% i;e;4 auto "oa% 4 medica" eCuipme%t "oa% 4 per o%a" "oa% ;

F; LAP o% La%d ca% be 'i8e% to a"" 6i%d o$ cu tomer 9 Sa"aried4 Se"$ Emp"o0ed No% Pro$e io%a" )SENP/ L Se"$ emp"o0ed Pro$e io%a" )SEP/;

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Home Loa% H <e0 #eature

I Purpo e H To purc!a e4 co% truct or e7te%d %ew or e7i ti%' $"at D !ou e I Loa% to 8a"ue )LTN/ ratio i ,> O; T!i i%c"ude a%d ame%itie ; I Ame%itie o% Stamp paper H 5e ca% add Ma7imum o$ *+O o$ A'reeme%t 8a"ue; I Ma7imum Te%or H *+ 0ear ).> 0ear $or SENP retai" L %o% 9 retai"/ I O%"0 $or $ir t a"e bui"der propertie ; I Loa% amou%t H #rom R ;* "ac to R ; : Crore I Na"idit0 o$ Loa% Appro8a" H A mo%t! $rom t!e date o$ Sa%ctio% Letter; tamp dut04 re'i tratio% c!ar'e

LTN Norm

I% ca e o$ Re a"e H A/ I$ COP P MN4 Loa% Amou%t P ,>O o$ COP )LTN ,>O/ (/ I$ COP Q MN4 Loa% Amou%t P ,>O o$ MN )LTN ,>O/ E7amp"e H COP H R ;*> Lac L MN H R ;*+ "ac Loa% Amou%t H R ;.B "ac C/ I$ COP R MN4 Loa% Amou%t P ,+O o$ MN ubject to .++O o$ COP E7amp"e H COP H R ;*+ "ac L MN H R ;*> "ac Loa% Amou%t H R ;*+ "ac

.A

LTN Norm Q R ;.++ "ac Cap ba ed o% COP I #or Propert0 8a"ue Q R ;.++ "ac L RPR ;*++ "ac 4 t!e ma7 LTN wi"" be ,+ O; I Propert0 8a"ue Q R ;*++ "ac 4 t!e ma7 LTN wi"" be B>O

Cap ba ed o% MN I #or Propert0 8a"ue Q R ;.++ "ac L RP R ;*++ "ac 4 t!e ma7 LTN wi"" be B>O I Propert0 8a"ue Q R ;*++ "ac 4 t!e ma7 LTN wi"" be B+O

A" o Na"uatio% wi"" be ma%dator0 $or a"" ca e Q R ; .++ "ac ;

.B

MN Le%di%' LTN Norm

MN Le%di%' To brid'e cu tomer reCuireme%t betwee% circ"e rate peci$ied b0 ub-re'i trar a%d

tra% actio% 8a"ue; #or e7amp"e tra% actio% i% certai% ector are a 'i8e% be"ow

Locatio% &e"!i (a%'"ore

O o$ MN *> 9 2+ O A+ 9 A> O

LTN (a ed o% t!e "ower o$ t!e two H I% ca e o$ purc!a e i% read0 D re a"e ca e .;Lower o$ t!e T5O .; ,+ O o$ t!e Mar6et Na"uatio% i$ t!e propert0 i 8a"ued up to R ;>+ "ac A> O o$ t!e Mar6et Na"uatio% i$ t!e propert0 i 8a"ued at more t!a% R ;>+ "ac )Lower o$ * 8a"uatio% do%e wi"" determi%e mar6et 8a"uatio%/; *;.++ O o$ a'reeme%t 8a"ue D a"e deed )wit! tamp dut0 paid/ K tamp dut0 K re'i tratio% K ociet0 tra% $er c!ar'e K tate e"ectricit0 board co%%ectio% c!ar'e K ame%itie a'reeme%t )wit!out tamp dut0 /

T!e co t o$ Ame%itie

!ou"d %ot e7ceed *++ O o$ )A'reeme%t Na"ue D Sa"e &eed K

Stamp &ut0 K Re'i tratio% c!ar'e /;

.,

I$ Ame%itie A'reeme%t i %ot o% tamp paper4 t!e% t!at compo%e%t o$ t!e "oa% amou%t wou"d be do%e a Top 3p "oa% wit! %orm o$ Home Loa% ;

Howe8er4 t!e o8era"" re trictio% o$ ,+ O D A> O or .++ O4 a me%tio%ed4 wou"d app"0;

+: =ear #i7ed 9 Smart #i7ed

+: =ear $i7ed 'i8e optio% to cu tomer to "oo6 at $i7ed rate $or t!e $ir t +: 0ear a%d ub eCue%t"0 t!e product mo8e i%to $"oati%' re$ere%ce rate I #i7ed $rom t!e $ir t date o$ di bur eme%t ba ed o% wei'!ted a8era'e rate o$ i%ter t; I At t!e e%d o$ +: 0ear it wi"" mo8e to #RR o% immediate re et date w!ic! cou"d be +: 0ear to +: 0ear a%d +: mo%t! ;

Product H Home Loa% L (T K Top-up L MN "e%di%' po ib"e Mar'i% $or #RR et at t!e time o$ Sa%ctio%;

.F

Part #i7ed L Part #"oati%'

I Cu tomer ca% opt $or combi%atio% o$ t!em; I +* eparate tra%c!e wou"d be 'i8e% o% t!e ame date; I Amou%t u%der eac! cate'or0 decided at t!e time o$ a%ctio% it e$; I Combi%atio% o$ two !ou"d be mi%imum o$ R ;. "ac a%d eac! tra%c! !ou"d be o$ R ;>++++DI Product H HL D LL D NRI D OPL D HIL D LAP )RLC/

Not app"icab"e to MN Le%di%' or a"" "oa% wit! two tra%c!e ;

Proce I +* eparate app"icatio% $orm I +* LAN %umber $or t!e "oa% I Commo% Sa%ctio% Letter I Commo% HL& I Commo% IDT certi$icate o% cro I Prepa0me%t o% eac! tra%c!e po "oa% ; "i%6i%' o$ $i"e ; ib"e but $orec"o ure o% comp"etio% o$ bot! t!e

E"i'ibi"it0 I (a ed o% t!e combi%atio% o$ t!e "oa% EMI $or t!e ot!er "oa% wou"d be co% idered a #OIR $or ca"cu"atio% purpo e;

*+

#i7ed wit! MMC A %ew product 8aria%t $or Home Loa% wit! a 8ariatio% i% #i7ed rate o$ i%tere t wit! Mo%e0 Mar6et Co%ditio% )#i7ed MMC/ Sa"ie%t $eature HI #i7ed MMC rate ca% be o$$ered $or Home Loa% L (a"a%ce Tra% $er o$ Home Loa% o%"0; I #i7ed MMC rate ca% be o$$ered o%"0 to Re ide%t I%dia% ; T!u 4 Home Loa% wit! #i7ed MMC rate ca%%ot be o$$ered to NRI I T!e #i7ed MMC rate ca% be o$$ered o%"0 $or %ew a%ctio% ; Co%8er io% $rom $i7ed ROI to #i7ed MMC rate a%d 8ice 8er a wou"d %ot be a""owed; I A"" #i7ed MMC rate "oa% wou"d be boo6ed u%der t!e $o""owi%' c!eme #i%%o%eD APS H a/ I%di8idua" Home Loa% wit! #i7ed MMC b/ (T o$ HL wit! #i7ed MMC I New $ormat o$ t!e a%ctio% "etter $or Home "oa% wit! #i7ed MMC I A %ew Home Loa% &ocume%t )a'reeme%t/ wit! t!e $o""owi%' me%tio%ed o% t!e top co8er 5it! Mo%e0 Mar6et Co%ditio% C"au e $or #i7ed Rate o$ I%tere t;

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EMI 3%der Co% tructio%

Purpo e H Comme%ce EMI i% u%der Co% tructio% Project;

Tar'et Se'me%t H Home Loa% to Re ide%t I%dia%

#eature H I O$$ered to AP# Project ; I Cu tomer pa0 EMI $rom t!e $ir t di bur eme%t o% tota" a%ctio%ed amou%t; I EMI remai% co% ta%t wit! term c!a%'i%' I &i bur ed amou%t 6eep c!a%'i%' I &i bur ed amou%t %ot more t!a% Sa%ctio%ed amou%t; I Sub eCue%t di bur eme%t wou"d be at t!e e%d o$ t!e mo%t!;

EMI 3%der Co% tructio% H E7amp"e

Sa%ctio%ed amou%t ROI Te%or EMI . t &i bur eme%t Reduced Te%ure Pri%cipa" OD At t!e e%d o$ +: mo%t! *%d &i bur eme%t a$ter +: mo%t! (a"a%ce Te%ure

R ; .+;++ "ac B;> O *2+ mo%t! R ;,+>ADR ;> "ac BF mo%t! R ;2,>..2;++ R ;* "ac *2+ 9 : P *:B

OD pri%cipa" P R ; 2,>..2;++ K *+++++;++ P A,>..2D-

**

EMI Re8i ed Te%ure #u"" L #i%a" a$ter +: mo%t! (a"a%ce Pri%cipa" OD Re8i ed Te%ure Ma7imum Te%ure

R ;,+>A;++ .*2 mo%t! AB:B*. K :+++++ P FB:B*.D*:: mo%t! *2+ 9 A P *:2

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Step 9 3p Repa0me%t #aci"it0 )S3R#/

Co%cept 9 S3R# I T!e te%or i di8ided i% t!ree part S 8iE; a/ Primar0 b/ Seco%dar0 c/ Tertiar0 I T!e i% ta""me%t wi"" i%crea e be'i%%i%' $rom t!e "ea t i% Primar0 L t!e !i'!e t i% Tertiar0; I I% ta""me%t i% Primar0 period to co8er i%tere t4 i% t!e curre%t rate ce%ario 9 R ;A*>D-per "ac

T0pe o$ S3R# I Cate'or0 I I Cate'or0 II

Cate'or0 I I Mo%t!"0 I%come Q R ;*>+++DI App"ica%t i emp"o0ee o$ Se"ect Corporate )i;e;4 Cate'or0 + a%d Cate'or0 . wor6 ite "i t/ I S!ou"d NOT be emp"o0ee o$ P8t; Ltd Compa%ie 4 Prop; Co%cer% 4 Tru t ; I S!ou"d NOT be a Se"$ Emp"o0ed No%- Pro$e io%a";

*2

Cate'or0 II I Mo%t!"0 I%come Q .>+++DI S!ou"d NOT be emp"o0ee o$ P8t; Ltd Compa%ie 4 Prop; Co%cer% 4 Tru t ; I S!ou"d NOT be a Se"$ Emp"o0ed No%- Pro$e io%a"

(e%e$it HS3R#

I E%!a%ced E"i'ibi"it0 Opti%' $or S3R# cou"d rai e t!e e"i'ibi"it0 b0 up to :+O abo8e t!e e"i'ibi"it0 i% a %orma" repa0me%t patter%; E7; Term 9 *+ 0r 4 ROI 9 B;>O 4 I%come pm 9 *>+++D- 4 Norma" e"i'ibi"it0 9 R ;.B;+B "ac 4 E%!a%ced E"i'ibi"t0 9 R ;**;.2 "ac L I%crea e i% E"i'ibi"it0 :+O; I Ea 0 I% ta""me%t i% Primar0 period4 "ower trai% o% ca ! $"ow ;

*>

#eature H S3R# I E"i'ib"e E%titie )O%"0 I%di8idua" / a/ Sa"aried b/ Se"$ Emp"o0ed Pro$e io%a"

I E"i'ib"e %ot E"i'ib"e Product H a/ O%"0 Home Loa% )Top 3p %ot permitted/ b/ (T o$ Home Loa% !a"" a" o %ot be permitted S3R#

I Term po ib"e 9 .>-*+ 0ear )bot! term i%c"uded/ I Not E"i'ib"e H a/ Se"$ Emp"o0ed No% Pro$e io%a"

b/ Emp"o0ee o$ P8t; Ltd Compa%ie 4 Prop; Co%cer% 4 Tru t ; I Rate o$ I%tere t 9 O%"0 Adju tab"e Rate Loa% I &e8iatio% D Re 9 c!edu"eme%t a/ No &e8iatio% permitted b/ No Re 9 Sc!edu"eme%t permitted;

&ocume%t 9 S3R# I Sa%ctio% Letter 9 Automated Sa%ctio% Letter capab"e o$ 'e%erati%' S3R# "etter; I A'reeme%t a/ Norma" "oa% A'reeme%t b/ Ame%dator0 A'reeme%t

*A

I%come Ta7 (e%e$it I IT Certi$icate to !ow bot! S I%tere t pa0ab"e L Actua" I%tere t paid; I I% ca e i$ Ne'ati8e AmortiEatio% H a/ No IT be%e$it a8ai"ab"e o% capita"iEed i%tere t 9 Sec *2 )b/ b/ No IT be%e$it a8ai"ab"e o% re-pa0me%t o% capita"iEed i%tere t 9 ec ,+C I Part Pre-Pa0me%t 9 Adju tme%t wi"" be made $ir t toward t!e capita"iEed portio%;

*B

La%d Loa% H <e0 #eature

Purpo e H To acCuire a ite D p"ot o$ "a%d $or re ide%tia" u e

Ma7imum Te%or H *+ 0ear ).> 0ear $or SENP retai" L .+ 0ear $or SENP %o%-retai"/

LTN Ratio H ,>O o$ t!e co t4 i$ a""otme%t i direct"0 $rom &e8e"opme%t Aut!orit0 B>Oo$ t!e co t4 i$ purc!a e $rom &e8e"opme%t D Re a"e D Societ0

#ee H Same a Home Loa%

Amou%t o$ Loa% H R ;* "ac to >+ "ac

I% H3( L Spo6e Locatio%

La%d Loa% K Co% tructio% LTN wou"d be ,>O o$ La%d K E timated Co% trucctio% Pro8ided "a%d !a bee% purc!a ed i% "a t o%e 0ear OR .++O o$ e timated co% tructio% ba ed o% tec!%ica" report w!ic! i "ower;

*,

I% Spo6e Loactio%

I O%"0 "a%d "oa% wou"d %ot be $i%a%ced; I La%d Loa% K Co% tructio% wou"d be co% idered; I #ir t di bur eme%t wou"d !appe% o%"0 a$ter t!e co% tructio% !a reac!ed p"i%t! "e8e"; I B>O o$ "a%d co t ca% be 'i8e% pro8ided "a%d !a bee% purc!a ed i% t!e "a t +. 0ear; I% H3( "ocatio% $or La%d K Co% tructio%

I &i bur eme%t $or "a%d wou"d be do%e; I Ca e wou"d be Pre EMI I I% ca e t!e app"ica%t a8oid co% tructio% t!e c!eme I& !ou"d be c!a%'ed I To a8oid 'i8i%' IDT be%e$it certi$icate o% t!e ca e

*F

O$$ice Premi e Loa% H <e0 #eature

Purpo e H To purc!a e D co% truct o$$ice premi e

Ma7imum Te%or H Re ide%t I%dia% SENP Retai" P .> 0ear ;

SENP No% Retai" P .+ 0ear ;

LTN Ratio H I ,>O o$ t!e co t o$ propert0 $or doctor ; I A+O o$ t!e co t o$ propert0 $or ot!er ;

#ee H Proce i%' a%d Admi%i trati8e $ee o$ +;>O eac!

Amou%t o$ Loa% H #rom * "ac to . crore;

E"i'ib"e E%titie H I Pro$e I NRI io%a""0 ?ua"i$ied Se"$ Emp"o0ed I%di8idua" L o%"0 ?ua"i$ied C!emi t

Ot!er Norm H I Mi%imum : 0ear E7perie%ce a Practici%' Pro$e io%a" I Loa% a8ai"ab"e $or impro8eme%t o$ o$$ice premi e

:+

I Ma7imum o$ :+O o$ t!e co t o$ t!e propert0;

LAP D Home ECuit0 Loa%

Loa% A'ai% t Propert0 H <e0 #eature

Purpo e H #or Marria'e4 (u i%e etc;

4 Educatio%4 Medica" Treatme%t4 Purc!a e o$ Propert04

Ma7imum Te%or H .> 0ear ).+ 0ear $or SENP/

LTN Ratio H 2>O $or commercia" a%d A+O $or Re ide%tia"

LTN K #OIR )No% retai"/ H Subject to ma7imum o$ .*+O $or re ide%tia" a%d .+>O $or commercia" wit! %o LTN de8iatio%; #OIR $or Sa"aried H >+O L SENP Retai" H >>O Amou%t o$ Loa% H #rom R ; > "ac to .++ "ac E"i'ib"e E%titie H Sa"aried4 SEP L SENP Mi%imum 8a"ue o$ propert0 H R ; B Lac acro a"" citie ;

Ot!er %orm H Loa% ca% be a8ai"ed o%"0 a'ai% t t!e e"$ occupied propert0;

:.

(a"a%ce Tra% $er

(a"a%ce Tra% $er H <e0 #eature

Purpo e H Ta6e o8er o$ !ou i%' "oa% ta6e% $rom ot!er H#C D (a%6 at a !i'!er rate t!a% curre%t rate;

Te%or H Ma7imum term %ot to e7ceed a app"icab"e u%der product cate'or0 OR Re idua" a'e o$ propert0 a determi%ed b0 t!e ite e%'i%eer

LTN H ,>O

#ee H Same a Home Loa%

Amou%t o$ Loa% H Out ta%di%' pri%cipa" amou%t o$ t!e e7i ti%' "oa% K prepa0me%t c!ar'e K $ee pa0ab"e to ICICI H#C ubject to app"icab"e LTN %orm4 ca"cu"ated o% t!e co t o$ propert0; &i bur a" to be i% $a8or o$ H#C D (a%6 w!o e "oa% i bei%' prepaid; Repa0me%t trac6 record $or t!e "a t twe"8e mo%t! to be 8eri$ied;

&ocume%t ReCuired H Pre Sa%ctio%

:*

I Out ta%di%' Pri%cipa" tateme%t $rom e7i ti%' H#C D (a%6 I &ec"aratio%-cum-3%derta6i%' o$ "e'a" docume%t (a%6 I Le'a" 8eri$icatio% I Letter to t!e bui"der D ociet0 D &A a per "etter dra$ted b0 ICICI H#C ubmitted wit! ear"ier H#C D

&ocume%t ReCuired H Pre &i bur a" I Letter o$ Aut!orit0 L Power o$ Attor%e0 i% $a8or o$ ICICI repre e%tati8e to co""ect ori'i%a" doc L mort'a'e re"ea e "etter $rom H#C D (a%6; I Ca e Pe%di%' wit! Sub Re'i tar H (T app"icatio% w!ere propert0 tit"e docume%t are pe%di%' wi"" %ot be accepted;

&ocume%t ReCuired H Po t &i bur a" I Ori'i%a" receipt reCuired $rom H#C D (a%6 $or t!e amou%t di bur ed I Mort'a'e re"ea e "etter L No due "etter reCuired; I Ori'i%a" tit"e deed a per "i t pro8ided; I Ac6%ow"ed'ed cop0 o$ %otice e%t b0 t!e "e'a" a'e%c0 o$ ICICI to t!e "a%dow%er;

(T O# EMPLO=ER LOAN 5O3L& (E RESTRICTE& TO CENTRAL O STATE 1ONERNMENT;

::

:2

Top 3p Loa%
Purpo e H To purc!a e o$ Co% umer &urab"e4 Ne!ic"e4 #ur%i !i%' o$ Home4 #ami"0 Nacatio%4 &au'!ter@ Marria'e4 C!i"d@ Educatio% Or a%0 ot!er per o%a" reCuireme%t o$ t!e borrower;

Ma7imum Te%or H a per i%di8idua" product %orm

#ee H Same a Home Loa%

Amou%t o$ Loa% H R ;>++++ to *+ "ac

Na"idit0 o$ "oa% appro8a" H : mo%t! $rom date o$ a%ctio%;

E%tit"ed (orrower H (orrower $or t!e Top up "oa% mu t be t!e ame a t!e e7i ti%' ICICI "oa%

Securit0 o$ Loa% H E7te% io% o$ mort'a'e o% t!e propert0 $i%a%ced; Top 3p Loa% i o$$ered o% $o""owi%' product H I Home "oa% I (a"a%ce Tra% $er 9 Home Loa% I (a"a%ce Tra% $er 9 NRP I NRP )Loa% a8ai"ab"e o% $u""0 di bur ed ca e L NIL po t di bur eme%t pe%di%' docume%t /

:>

Home Impro8eme%t Loa%

Purpo e H Impro8eme%t o$ re ide%tia" premi e ;

Ma7imum Te%or H .> 0ear

LTN Ratio H B+O o$ t!e e timate ubject to 2>O o$ t!e mar6et 8a"uatio% o$ propert0 prior to $ia%a%ci%'

#ee H Same a Home Loa%

Amou%t o$ Loa% H #rom R ;. "ac to >+ "ac

E"i'ib"e E%titie H I Sa"aried I SEP I SENP

E"i'ib"e Impro8eme%t H (ei%' comp"eted wit!i% .* mo%t! $rom t!e date o$ $ir t di bur eme%t Propert0 !a to be occupied b0 at "ea t . app"ica%t to t!e "oa%;

:A

Lea e Re%ta" &i cou%ti%'

Purpo e H E%ab"e t!e co% umer to rai e $u%d )a%d i%crea e "iCuidit0/ a'ai% t $uture e7pected $u%d $rom propert0 "ea ed out b0 !im;

Ma7imum Te%or H F 0ear ) ubject to ba"a%ce "ea e period/

LTN Ratio H >+O o$ mar6et 8a"uatio% ubject to ,>O o$ t!e NPN o$ $urure e7pected re%ta" di cou%ted at t!e app"icab"e ROI ) %et o$ T&S/

E"i'ib"e E%titie H I Sa"aried I SEP I SENP )No% 9 Retai"/

Amou%t o$ Loa% H #rom R ;.+ "ac to . crore

:B

No I%come Proo$ Loa%

Purpo e H To purc!a e4 co% truct or e7te%d %ew or e7i ti%' $"at D !ou e

E"i'ib"e E%titie H Se"$ Emp"o0ed I%di8idua" o%"0

#ee H Admi% $ee o$ +;>O L proc $ee o$ +;>O

Amou%t o$ Loa% H $rom R ;* "ac to >+ "ac

LTN Ratio H #or "oa% amou%t Q R ;*> "ac 4 LTN A+O o$ COP or A>O o$ MN )w!ic!e8er i "ower/ #or "oa% amou%t R R ;*> "ac 4

Met!od MN )O/ COP )O/

I 2+ B>

II >+ B+

III A+ A>

IN A> A+

&ocume%tatio% H I Proo$ o$ co%ti%uit0 o$ bu i%e 9 +> 0ear

I (a%6 Stateme%t 9 A mo%t! )8eri$icatio% reCuired/ a/ Curre%t Accou%t b/ Sa8i%' Accou%t I Out C!eCue retur% 9 %ot more t!a% +A i% +A mo%t! ; I Stop Pa0me%t retur% 9 +* i% "ea t +A mo%t!

:,

I Ma7imum %umber o$ tra% actio% .+ per mo%t! I EMI %ot to e7ceed .+O o$ t!e a8era'e mo%t!"0 ba%6 credit $or t!e "a t +A mo%t! I A8era'e ba"a%ce o% .+t!4 *+t! L :+t! $or "a t +A mo%t! time EMI; I C"ie%t D Supp"ier Re$ere%ce -* I Cop0 o$ tit"e docume%t I RTR o$ .* mo%t! 9 i$ EMI o$ e7i ti%' "oa% i more t!a% *>O o$ t!e propo ed EMI I OCR H (0 C!eCue prior to di bur eme%t L No P&& I No de8iatio% permitted; !ou"d be 'reater t!a% +*

:F

I%come Surro'ate (a%6i%' Product

Purpo e H Surro'ate product $or Home ECuit0 Loa% Tar'et cu tomer wit! 'ood ba%6i%' record;

Lap 9 I%come Surro'ate (a%6i%' Product .; Appro8ed (orrower E%titie 9 Re ide%t I%dia% )SEP L SENP/ *; Loa% Amou%t I Mi%; 9 R ;> "ac I Ma7; 9 R ;:+ "ac :; Term 9 Ma7;.+ 0ear )Term !ou"d %ot e7ceed propert0@ re idua" a'e/ 2; Loa% t0pe 9 #i7ed a%d #"oati%'; >; Mi% Propert0 Na"ue 9 R ; .> "ac )a per tec!%ica" 8a"uatio%/acro citie ; A; LTN i/ ii/ Re ide%tia" propert0 9 :>O Commercia" propert0 9 *>O a""

B; (a%6 Stateme%t i/ P!otocopie o$ updated ba%6 tateme%t $or t!e "a t o%e 0ear 9 $rom curre%t aDc o$ t!e $irm D compa%0; ii/ P!otocopie o$ updated ba%6 tateme%t $or t!e "a t o%e 0ear 9 $rom curre%t aDc D a8i%' aDc o$ t!e i%di8idua" app"ica%t a%d coapp"ica%t ; ,; C"ie%t re$ere%ce reCuired : "ar'e creditor ;

2+

F; (u i%e

to !a8e co%ti%uit0 $or t!e "a t : 0ear ; io% i ma%dator0; t!a% or eCua" to .+O o$ t!e i%ward $"ow i%to

.+; Per o%a" di cu

..; CC accou%t 9 EMI to be "e t!e ba%6 aDc i% "a t A mo%t! ; .*; Ot!er accou%t 9 EMI to be "e

t!a% or eCua" to .>O o$ t!e i%ward $"ow

i%to t!e ba%6 aDc a%d a8era'e ba"a%ce to be more t!a% .;>time t!e EMI i% t!e "a t A mo%t! ;

2.

Adju tab"e Rate Home Loa%

Purpo e H #aci"it0 o$ 8ariab"e ROI

E"i'ib"e E%titie H E7i ti%' a%d %ew cu tomer

E"i'ib"e Product H I Home "oa% I La%d Loa% I NRI I OPL I LAP I (T I Top 3p

Ma7; term o$ Loa% H *+ 0ear $or Sa"aried a%d SEP .> 0ear $or SENP

Mo%t!"0 reduci%'

&ate o$ c!a%'e H . t da0 o$ eac! Cuarter )a per ca"e%dar 0ear/

EMI !a"" remai% co% ta%t4 e7cept i% t!e $o""owi%' t!ree i% ta%ce H

2*

.; Ne'ati8e amortiEatio% *; Term o$ "oa% e7ceedi%' H :+ 0r $or a"aried L e"$ emp"o0ed *+ 0r $or SENP :; Term o$ "oa% e7ceedi%' H Retireme%t a'e $or a"aried; A> 0ear $or e"$ emp"o0ed app"ica%t w!o e i%come i co% idered $or e"i'ibi"it0;

Switc!i%' o$ Rate (etwee% Switc! $ee ICICI (a%6 Port$o"io #i7ed to $i7ed #i7ed to $"oati%' #"oati%' to $i7ed #"oati%' to $"oati%' C!a%'e i% ROI o% accou%t o$ c!a%'e i% Te%or #i7ed to $i7ed .;B>O .;B>O .;B>O +;>O .;B>O

Ot!er

.;B>O .;B>O .;B>O .;B>O .;B>O

2:

THIR& PART= PRO&3CT

Icici Home #i%a%ce 9 Loa% S!ie"d wit! ICICI Lombard
Loa% S!ie"d 9 #or Re ide%t I%dia% Loa% S!ie"d $or a period o$ +> 0ear ; I Loa% care I% ura%ce I Propert0 I% ura%ce o$$ered $ree 9 o%e 0ear i% ca e o$ commercia" propert0;

Ma7imum Co8er H R ;.+>++++ Mi%imum A'e H *+ 0ear Ma7imum A'e H >+ 0ear ) "oa% co8er e%d at >> 0ear / Loa% Care i ma7imum o$ +> 0ear Propert0 I% ura%ce H Same Te%ure L co8er comme%ce a$ter comp"etio% o$ wor6 #eature H (a ed o% Medica" dec"aratio% %o medica" c!ec6 up;

Loa% S!ie"d Loa% Care #eature H Sa"aried L Se"$ Emp"o0ed .; &e$au"t due to &eat! H Pri%cipa" oD paid *; Perma%e%t di abi"it0 due to accide%t H Pri%cipa" oD repaid :; Critica" i""%e "eadi%' to !o pita"iEatio% a%d "o o$ i%come

I% ca e o$ Sa"aried o%"0 .* EMI wou"d be co8ered

22

3%emp"o0me%t due to retre%c!me%t .; C"o ure o$ u%it due to $i%a%cia" !ea"t! or MLA *; C"o ure due to actio% b0 Pub"ic Aut!orit0;

:; Termi%atio% $rom job due to i"" !ea"t!; A%0 i""%e co8ered; Sa"aried emp"o0ee wou"d be paid ma7imum o$ +: mo%t!"0 EMI i% ca e o$ de$au"t; Po"ic0 e%d o% attai%i%' at t!e a'e o$ >> 0ear Po"ic0 e%d wit! c"o ure o$ "oa% accou%t; No re$u%d o$ premium o% part prepa0me%t Part Premium re$u%d i% ca e o$ $u"" c"o ure C"aim ett"eme%t i% *. da0 ; pre-e7i ti%' or repoted wit!i% F+ da0 or "o o$ job wit!i% F+ da0 %ot

2>

Home A

ure 9 Prude%tia" )1roup Po"ic0/

Cu tomer Se'me%t H I%di8idua" opti%' $or Si%'"e premium A'e 1roup H ., to A+ 0ear ) Ma7imum o% attai%i%' B+ 0r / Sum A ured H R ; *>+++D-To Home Loa% c!eme Product #eature I No medica" e7ami%atio% upto R ;.> "a6! I &eat! Co8er H pri%cipa" oD a per t!e a%ctio% "etter I Part D 3%der Co% tructio% H Co8er ca% ta6e +D.D* K te%ure o$ t!e "oa%;

Joi%t Co8er Po ib"e pro8ided bot! are ear%i%' Co8er wou"d cea e o% #u"" c"o ure or (T Surre%der Na"ue H B+O o$ i%'"e Premium ) (a"a%ce Term D Po"ic0 Term/ E7c"u io% H No c"aim wit!i% 2> da0 No c"aim due to uicide wit!i% +. 0ear

2A

O(JECTINES AN& RATIONALE O# THE PROJECT

Mai% objecti8eH To $i%d out t!e uti"it0 o$ Home Loa% i% 'e%era" pub"ic a%d a%a"0Ee t!e %umber o$ cu tomer app"0i%' $or Home Loa% i% ICICI; To "ear% t!e proce o$ Home Loa% ;

I T!e ba ic %ece it0 o$ 'e%era" pub"ic i $ood4 c"ot!i%' a%d SHELTER; So 4 $or t!e $u"$i""me%t o$ t!e "a t %eed ICICI !a i%troduced ma%0 product accordi%' to t!e tatu o$ t!e app"ica%t; I Eco%omic 1rowt! o$ t!e cou%tr0 i predicted b0 it I%$ra tructure a%d Rea" E tate; T!ere$ore4 ICICI !a made ea 0 b0 'ra%ti%' "oa% b0 ea 0 met!od a%d %orma" rate ; I Home "oa% are o$ bi' amou%t t!ere$ore4 it compri e o$ ma%0 importa%t docume%t a%d deed w!ic! !a8e to be tudied wit! due importa%ce; I 1o8er%me%t i co%ce%trati%' o% o%e importa%t a pect t!at e8er0 per o% !ou"d !a8e !i D !er ow% !ou e t!rou'! !ome "oa% w!ic! $aci"itate deductio% i% I%come Ta7; I A"" t!e N(#C are i%tere ted i% 'ra%ti%' Home Loa% becau e it i o$ "ar'e amou%t ; I It i t!e o%"0 t0pe o$ "oa% w!ic! i coordi%ated a%d co%ti%ued $rom t!e time o$ mo%e0 "e%der to N(#C ;

2B

Per o%a" Objecti8e H

I I c!oo e t!i project i% order to !a8e t!e detai"ed tud0 o$ t!e topic Home Loa% a it compri e o$ ma%0 $orma"itie a%d "e'a" deed ; I To !a8e t!e practica" 6%ow"ed'e becau e i% $uture e8er0 eco%d per o% wi"" be i% %eed o$ Home Loa% I ICICI (a%6 pecia"iEe i% Home Loa% pro pect ; I It !e"p i% ca"cu"ati%' I%come a%d e"i'ibi"it0 o$ t!e cu tomer4 Stud0 o$ ITR 4 Le'a" a%d Tec!%ica" tud0 o$ a%0 propert0 a%d e8e% pro$i"e c!ec6; o to 'ai% 6%ow"ed'e re'ardi%' career

2,

RENIE5 O# LITERAT3RE THE (3SINESS PROCESS 9 THE ICICI 5A=

(u i%e mode"

I ICICI H#C curre%t"0 $u%ctio% t!rou'! $our a"e c!a%%e" H a/ &MA Networ6 b/ Cou% e"or Team c/ Re"atio% !ip Ma%a'er d/ ICICI ba%6 (ra%c!e I A"" c!a%%e" $u%ctio% i%depe%de%t"0 o$ eac! ot!er I Proce i%' a%d apprai a" are do%e i% !ou e a%d o%- ite to reduce TAT@

Ro"e o$ t!e &MA D &ME D CO3NSELOR

I T!e $ace o$ ICICI (a%6 Home Loa% I Repre e%ti%' e8er0t!i%' t!at ICICI H#C promi e a/ Superior er8ice b/ E7ce""e%t product c/ E%d to e%d o"utio% I T!e per o% w!o !a to e% ure t!at we $u"$i"" e8er0 promi e t!at we ma6e to t!e cu tomer I A co% u"ta%t a%d 'uide to t!e cu tomer

2F

Ri 6 Co%tai%me%t 3%it )RC3/ Proce

I Purpo e 9 Co%tro" $raud e%teri%' t!e 0 tem a/ Pre-Sa%ctio% Sta'e b/ Pre-&i bur eme%t Sta'e I Pre a%ctio% ta'e 8eri$ie $i"e ba ed o% tri''er ; I T!e $i"e are eit!er a/ Scree%ed 9 No tri''er $ou%d; A""owi%' credit proce to co%ti%ue

b/ Samp"ed 9 Imp"0i%' 8eri$icatio% reCuired wit! ource o$ docume%t c/ Credit Re$erred 9 (a ed o% Credit Ma%a'er reCue t I Pre 9 &i bur eme%t Sta'e 8eri$ie propert0 docume%t;

#ie"d I%8e ti'atio% )#I/ Proce

I Purpo e 9 Co""ectio% proce a/ Re ide%ce #I b/ Emp"o0me%t #I c/ Te"e #I o$ bot! re ide%ce a%d o$$ice I Propert0 8eri$icatio% T!i #I S!oot i do%e o$ a"" t!e app"ica%t a%d co-app"ica%t ; T!e o$$ice #I i do%e o$ a"" t!e co app"ica%t w!o@ i%come i co% idered; o$ e% uri%' cu tomer 8eri$icatio%

Operatio% Proce

>+

I Sa%ctio% Proce b/ N&C C!ec6 c/ &ata E%tr0 i% #i%%o%e d/ Stora'e o$ a%ctio%ed $i"e I &i bur eme%t Proce a/ N&C C!ec6 b/ &ate E%tr0 i% #i%%o%e c/ Preparatio% o$ C!eCue d/ Stora'e o$ &oc6et

Sa%ctio% Proce
Norma""04 it wou"d ta6e 2-B da0 $or t!e a%ctio% proce a"" t!e docume%t at IH#C I T!e cu tomer ca"" t!e ba%6 I (a%6@ repre e%tati8e 8i it t!e cu tomer a%d e7p"ai% t!e "oa% product I Now cu tomer pro8ide t!e ba%6 wit! I%come a%d Per o%a" docume%t a "i ted i% t!e broc!ure I A'ai% t!e repre e%tati8e 8i it t!e cu tomer to 8a"idate i%$ormatio% I &ocume%t are credit apprai ed a%d deci io% ta6e% o% t!e a%ctio% o$ t!e "oa% I (a%6 de"i8er t!e o$$er "etter a"o%' wit! a "i t o$ "e'a" docume%t reCuired; $rom t!e date o$ receipt o$

>.

C3STOMER

&MADCO3NSELLOR (SM RO #IRE #I

RC3

#I A1ENC=

RECEINES #I (CM

COPS

&E&3P

&i bur eme%t Proce

Norma""04 it wou"d ta6e 2-B da0 $or t!e di bur eme%t proce receipt o$ a"" t!e docume%t at IH#C I T!e cu tomer ca"" t!e ba%6 $or di bur eme%t I (a%6@ repre e%tati8e 8i it t!e cu tomer a%d co""ect t!e Le'a" &ocume%t ; Loa% &ocume%t a%d P&C@ $rom t!e cu tomer; I A% IH#C "aw0er 8et t!e "e'a" docume%t ; I A% IH#C Site E%'i%eer 8i it t!e propert0 to 8eri$0 ta'e o$ co% tructio%; I &i bur eme%t c!eCue i prepared; I T!e di bur eme%t c!eCue i de"i8ered to t!e cu tomer; $rom t!e date o$

>*

Cu tomer

&MA

RO

(CM #ire a%d Recei8e Le'a" a%d Tec!%ica"

Sa"e departme%t

>:

#ir t"04 tart t!e wor6 o$ Re"atio% !ip O$$icer

Purpo e H To pro8ide Si%'"e Poi%t co%tact to t!e cu tomer a%d !a%d!o"d !im t!rou'! t!e proce o$ E%ro"me%t4 Sa%ctio% a%d &i bur eme%t;

E%ro"me%t I E% ure e%tr0 o$ %ew &ME "ead a%d updatio% o$ e7i ti%' "ead i% CMS I Ma6e 5e"come Ca"" to cu tomer $or a"" %ew "o'i% I E% ure 5e"come Letter i e%t to a"" %ew cu tomer at t!e time o$ "o'i%;

Sa%ctio% I Re o"8e wit! cu tomer a"" e%Cuirie rai ed b0 CPA D (CM o% t!e Sa%ctio% $i"e I Ma6e Sa%ctio% Ca"" to a"" cu tomer a%d i%$orm t!em re'ardi%' a"" di bur eme%t docume%t reCuired a%d ta6e &I&; I Attac! A%%e7ure co%tai%i%' "i t o$ di bur eme%t docume%t wit! a"" Sa%cctio% Letter

&i bur eme%t I A 6 t!e cu tomer re'ardi%' E7pre &i bur eme%t duri%' 5e"come Ca""

I I%$orm cu tomer about t!e pe%di%' docume%t 4 i$ a%04 a per t!e "e'a" report a%d et &ME appoi%tme%t; I Ma6e a &i bur eme%t ca"" to cu tomer to i%$orm !im t!at t!e di bur eme%t c!eCue i read0 I I%troduce Ca"" Ce%tre to t!e cu tomer duri%' t!e di bur eme%t ca""

>2

Ne7t i (ra%c! Credit Ma%a'er

Purpo e H To pro8ide credit deci io% $or %ctio% a%d di bur eme%t i% order t!at t!e
commitme%t to t!e cu tomer o% tur%arou%d time i $u"$i""ed Sa%ctio% I C!ec6 t!e Sa%ctio% $i"e $or Credit comp"ia%ce a%d e"i'ibi"it0 %orm a%d aut!oriEe a%ctio% I Coordi%ate wit! t!e !i'!er aut!orit0 $or t!e ca e t!at reCuire appro8a"

&i bur eme%t I Scruti%iEe comp"ete doc6et a%d &M a%d aut!oriEe di bur eme%t I E% ure comp"etio% a%d c"eari%' o$ doc6et put o% !o"d b0 bra%c! operatio% I Coordi%ate wit! t!e out ourced a'e%c0 $or co""ectio% o$ P&& I Impart trai%i%' to (ac6 o$$ice a%d &ME re'ardi%' po"ic0 a%d proce c!a%'e

>>

5!at i Co%tact Ma%a'eme%t S0 tem T

I It i a Lead Ma%a'eme%t S0 tem; I It appoi%tme%t t!e Sc!edu"er; I Record a"" touc! poi%t wit! cu tomer; I Act a a remi%der $or a"" $o""ow 9up ;

>A

#"owc!art Add Co%tact

Lead 5it! &MA

#i7 Appoi%tme%t Remai%der $or Cu tomer 3pdate &iar0 Ta6e a Pri%t o$ Sc!edu"e NO &ME Meet T!e Cu tomer =ES NO Cu tomer I%tere ted =ES C"o e &ME Co""ect &ocume%t a%d Retur% t!e &SR to t!e (ac6 O$$ice

A"" &ocume%t Co""ected =ES Sa%ctio% Proce

NO

>B

(e%e$it o$ CMS I A8ai"abi"it0 o$ I%$ormatio% I Structured P"a%%i%' I E% ure %o "o o$ "ead

I O%"i%e $eedbac6 to Ca"" Ce%ter a%d Mar6eti%' Ma%a'er I I%crea e i% Producti8it0 I (etter er8ice to t!e cu tomer;

I%troductio% to Credit 5!0 i Credit e e%tia" T It i importa%t to e8a"uate ca e $or credit o a to !a8e a Cua"it0 port$o"io4 remo8e $raud 4 !a8e co%tro" c!ec6 to ee t!e per$orma%ce o$ t!e port$o"io

5!om do we wa%t to $u%d T A%0o%e w!o wi"" I Repa0 a"" t!e i% ta""me%t I Repa0 i% ta""me%t o% time

>,

T!i%' to "oo6 at i% credit

Abi"it0 to Pa0

I%te%tio% to Pa0

How do we jud'e it T I%come recei8ed b0 t!e cu tomer &i po ab"e I%come Ot!er ource o$ i%come Po ibi"it0 o$ Ca ! i%come

I%du tr0 Tre%d (ac6'rou%d o$ I%di8idua" Pre8iou Repa0me%t a/ Car "oa% b/ Hou i%' "oa% c/ Credit card "oa%

Petro" pump ow%er 4 doctor 4 etc;

d/ Ce""u"ar repa0me%t

I%come ca% a"wa0 be wi%dow dre

ed

I%come &ocume%t A%a"0 i

>F

I% ca e o$ a"aried "oo6 at #i7ed L Nariab"e I%come I Compare 1ro I%come a%d Net I%come

I Sa8i%' i% Socia" Securit0 #u%d b/ Ma%dator0 co%tributio% c/ Additio%a" Co%tributio% d/ 5it!drawa" i% Socia" Securit0 #u%d I Co%tributio% toward ot!er a8i%' I &eductio% or pa0me%t o$ a"" ob"i'atio% I Loo6 at #orm 9 .A $or A%%ua" be%e$it L a%0 ob"i'atio% too;

I% ca e o$ Se"$ Emp"o0ed D No% Pro$$e io%a" I Compre!e% i8e "oo6 at ITR o$ "a t : 0ear I Computatio% o$ I%come I (a"a%ce S!eet a%d PL L certi$ied b0 C;A

Stabi"it0 o$ I%come I% ca e o$ Sa"aried I Loo6 at t!e Or'a%iEatio% emp"o0ed wit! I T!e I%du tr0 i% w!ic! it operate I S6i"" et a%d Educatio%a" ?ua"i$icatio% I No; o$ 0ear i% t!e Or'a%iEatio% D I%du tr0

A+

I% ca e o$ Se"$ Emp"o0ed I #ami"0 bu i%e I (u i%e or tart-up

8o"ume 8i a 8i I%du tr0 Sta%dard

I 3%der ta%di%' o$ i%du tr0 tructureD #orce operati%'

Hea"t! o$ (a%6 Stateme%t Neri$icatio% o$ (a%6 Stateme%t I I% a"ar0 ca e4 %umber o$ credit to be c!ec6ed 9 #i7ed L Nariab"e I I% bu i%e ca e4 c!ec6 t!e a8era'e ba"a%ce $or "iCuidit0

I Lar'e credit or debit e%trie I Recurri%' debit o% accou%t o$ "oa% repa0me%t b/ I%ward C!eCue bou%ce c/ Outward C!eCue bou%ce d/ Neri$0 wit! debtor or creditor "i t to 6%ow e/ T!e impact o% bu i%e I Stop Pa0me%t I% tructio% I Mi%imum (a"a%ce c!ar'e

A.

#ami"0 (ac6'rou%d #ami"0 I No; o$ depe%de%t I A'e o$ depe%de%t to u%der ta%d t!e e7pe% e I Additio%a" ear%i%' o$ $ami"0 member 9 ca ! $"ow I &epe%de%ce o$ pare%t D $ami"0 member I A%0 a%ce tra" or e"$ ow%ed propert0 I #ami"0 depe%de%t o% a"ar0 i%come or di8er i$ied i%come i;e;4 re%ta"4 a'ricu"ture4 bu i%e 4 ma"" a8i%' I #ami"0 re$ere%ce D (u i%e re$ere%ce ta0i%' i% !ometow%

I A per t!e %orm ma7imum !ou"d be > I App"ica%t Li$e t0"e 9 matc! betwee% I%come L Sa8i%' L E7pe% e I Habit "i6e e7ce i8e dri%6i%' 9 Re$ere%ce c!ec6 I #ami"0 member wit! medica" !i tor0 b/ C"aim made u%der 8ariou I%come Ta7 (e%e$it c/ A%0 ba%6i%' tra% actio% !owi%' pa0me%t d/ I%$ormatio% pro8ided b0 #OS D #I D Per o%a" Ni it I Appreciatio% o$ I% ura%ce a/ #ami"0 medica" co8er i a 'ood i%dicatio% b/ Li$e I% ura%ce 9 P"a%%i%' $or t!e #uture o$ t!e $ami"0

A*

1eo'rap!ica" Re trictio% Cu tomer Re ide%ce D Propert0 %ot i% Ne'ati8e Area; Cu tomer doe %ot be"o%' to Ne'ati8e Pro$i"e cate'or0; Cu tomer Re ide%ce D Propert0 %ot be0o%d 1eo'rap!ica" "imit ; I% ca e cu tomer wor6i%' out ide 1eo "imit I Propert0 to be purc!a ed !ou"d be wit!i% 1oe "imit I Immediate $ami"0 member to be wit!i% 1eo "imit L to be ta6e% a co- app"ica%t I P&C to be i ued $rom (a%6 Accou%t to be i% 1eo "imit

I 5ai8er o$ #I ubject to po iti8e o$$ice te"e 9 c!ec6 L re ide%ce #I o$ $ami"0 member )wit!i% 1eo "imit

A:

Cu tomer Pro$i"e I 5!ere app"ica%t a%d co-app"ica%t i%come are combi%ed4 t!e mi%imum i%come per app"ica%t !ou"d be R ;2+++D- pm I 5or6 ite i $urt!er c"a i$ied a H Cate'or0 + L Cate'or0 .

I Emp"o0ee wor6i%' wit! Tru t !ou"d be appro8ed L %oted b0 t!e Po"ic0 L Ri 6; I Emp"o0ee wor6i%' wit! Pri8ate Ltd;Compa%ie I A1E a/ Mi%imum A'e 9 *. 0ear b/ Ma7imum A'e 9 A> 0ear OR retireme%t4 w!ic!e8er i Ear"ier;)T!e ma7imum a'e at t!e time o$ comp"etio% o$ "oa%/ I T!ere wi"" be ca e w!ere t!e co-app"ica%t w!o i t!e ow%er o$ t!e propert0 doe %ot $it i%to t!e abo8e cate'orie ; I% t!e e ituatio% t!e a'e criteria i re"a7ed a $o""ow H a/ Mi% A'e 9 ., 0ear )At Loa% ori'i%atio% / b/ Ma7 A'e 9 B+ 0ear at app"icatio% or ,+ 0r )at "oa% maturit0 /

A2

Cu tomer Pro$i"e

SAL

SEP

SENP

NRI

5OR< SITE

OTHERS

I%come %ot be"ow B< i% ot!er citie ; I%come %ot be"ow F< i% Metro tow%; )(a%'"ore4 &e"!i4 C!e%%ai4 Mumbai/ P8t;Ltd

CASH

A'e Proo$ I Pa port I &ri8i%' "ice% e I Li$e I% ura%ce Po"ic0 I (irt! Certi$icate I E"ectio% I& I Sc!oo" "ea8i%' certi$icate I Emp"o0ee I& )o%"0 $or PS3 D 1o8t;emp"o0ee / I PAN Card I SSC D HSC Admit Card I SSC D HSC Mar6 S!eet

A>

I Sc!oo" D Co""e'e pa

i%' Certi$icate )pri%ted $ormat wit! per o%a" detai" o$ t!e

app"ica%t !a%dwritte% are acceptab"e/ I Sa"ar0 "ip )i$ date o$ birt! i me%tio%ed/ I &omici"e certi$icate A'e proo$ i wai8ed $or a"" app"ica%t w!o e i%come i %ot co% idered $or e"i'ibi"it0; Howe8er4 a'e proo$ i ma%dator0 $or app"ica%t be"ow *+ 0ear a'e L abo8e A> 0ear 4 e8e% i$ !i D!er i%come i %ot co% idered $or e"i'ibi"it0;

Ne'ati8e Pro$i"e I &ai"0 wa'e "aborer D Mat!adi 5or6er I &ri8er a%d co%ductor o$ SRTCD Ta7i dri8er D Auto Ric6 !aw &ri8er D Commercia" Ne!ic"e &ri8er I H3# I A%ti Socia" E"eme%t I Po"iticia% I Mi%e a%d ?uarr0 wor6er I #irma e%'a'ed i% parce" mo8eme%t I P"a%tatio% D Time S!are Compa%ie I Emp"o0ee o$ C!it $u%dD Stoc6 (ro6i%'D I%8e tme%t Compa%ie I C"a 2 emp"o0ee

AA

I 1arme%t E7porter I Emp"o0ee o$ (I#R Compa%ie I 5atc!me% I Securit0 Ser8ice - Compa%ie a%d t!eir Emp"o0ee I Stoc6 (ro6er I Rea" e tate a'e%t I Tour Operator I Cab"e Operator I Emp"o0ee o$ N(#C@ be"ow AA rati%' I #i"m tar I Emp"o0ee o$ &ot Com Compa%ie I (ar Ow%er I (ui"der

Additio%a" &ocume%tatio% $or Speci$ic Ca e I Ca ! a"ar0 9 O%e Additio%a" Proo$ reCuired I #orm .AD ITRD P# Stateme%t D Appoi%tme%t Letter D I%creme%t Letter I Job co%$irmatio% proo$ $or app"ica%t "e t!a% *: 0ear

I I$ E7i ti%' Loa% are %ot bei%' co% idered 9 proo$ $or t!e ame; I A%%ua" be%e$it - #orm .A D Appoi%tme%t Letter D I%creme%t Letter D Emp"o0er certi$icate;

AB

A,

&ocume%t ReCuired Sa"aried I App"icatio% #orm wit! p!oto I A mo%t! (a%6 tateme%t ) : mo%t! $or wor6 ite / I Not more t!a% +* or +. c!eCue bou%ce i% ca e o$ %orma" a%d wor6 ite ca e re pecti8e"0 I <=C &ocume%tatio% )Addre I A'e Proo$ I Late t Sa"ar0 S"ip D Certi$icate 9 2 a"ar0 "ip $or 8ariab"e a"ar0 I #orm.A I Proce i%' #ee C!eCue D Ide%tit0 D Si'%ature/

Mode o$ Repa0me%t EMI I Po t &ated C!eCue I Auto &ebit I ECS I &eductio% at Source )o%"0 $or a"aried/

Pre EMI I Po t &ated C!eCue I Auto &ebit

AF

Pa0me%t C0c"e I . t a%d .+t! o$ e8er0 mo%t!

Now t!e wor6 tart i% Operatio% &epartme%tH

I T!e $i"e "o'i% $rom t!e Credit &epartme%t to Operatio% &epartme%t wit! * t0pe o$ docume%t a/ Cu tomer re"ated docume%t b/ (a%6 re"ated &ocume%t D Ma%dator0 &ocume%t

I Cu tomer &ocume%t co% i t o$ !i (a%6 Stateme%t 4 "ate t ITR 4 #i%a%cia" Stateme%t 4 PAN No;4 Id Proo$4 &O( Proo$4 etc; I (a%6 re"ated docume%t are a/ App"icatio% $orm 9 I% App"icatio% #orm a"" compu" or0 $ie"d $i""ed up b0 t!e cu tomer wit! %o o8erwriti%'; A"" t!e data e%tr0 !ou"d be do%e b0 t!e &EO; b/ &edup 9 It i a o$tware w!ic! !a a"" t!e pa t data o$ a"" t!e cu tomer w!o !a8e app"ied $or !ome "oa% pre8iou "0 w!ic! !e"p trace a%0 de$au"ter; c/ #I D TNR 9 T!i i do%e b0 t!e ba%6 to 8eri$0 t!e re ide%ce a%d te"ep!o%e %umber o$ t!e app"ica%t i% order to a8oid a%0 $raud be$ore!a%d; !ou"d be

B+

I N&C i do%e b0 t!e &EO a per t!e N&C c!ec6"i t; I #i%a" N&C i do%e b0 CAM I I$ t!ere i a%0 di crepa%c0 t!e $i"e i rea o% o$ !o"d; I Pub"i !i%' o$ !o"d ca e i do%e i% MIS at t!e e%d o$ e8er0 da0; I I$ t!e $i"e i c"ear a%d t!ere i %o di crepa%c04 t!e% t!e data i e%tered i% $i%%o%e b0 &EO;)#i%%o%e i a o$tware ba ed o% orac"e w!ic! i t!e ma ter o$ tori%' a"" t!e e%trie a%d tra% actio% do%e o% dai"0 ba e / I Now4 CAM aut!oriEe t!e tra% actio% i;e;4 Ma6er 9 C!ec6er w!ic! mea% t!e CAM wi"" c!ec6 t!e tra% actio% a%d aut!oriEe t!em $i%a""0; I #i%a""0 w!e% t!e ca e i c"ear4 a Loa% Accou%t Number )LAN/ i 'e%erated w!ic! i t!e primar0 6e0 to ide%ti$0 t!e ca e $or t!e ba%6; I Now4 at t!e e%d o$ t!e da0 t!e $i"e are di patc!ed to Re'io%a" Operatio% ; e%t to Credit &epartme%t $or re-credit wit!

A$ter a"e

er8ice per$ormed b0 Operatio% &epartme%tH

I ReCue t o$ Stateme%t o$ Accou%t ; I ReCue t $or Repa0me%t Sc!edu"e; I Swap o$ C!eCue ; I Co%8er io% )co%ditio% c!a%'e i% a'reeme%t/ I #orec"o ure I Part Pa0me%t B.

I NOC K &ocume%t Co""ectio% At t!e time o$ Sa%ctio%H I 5!e% t!e $i"e reac!e t!e Re'io%a" Operatio% it i "o'i% at two p"ace H a/ Proce i%' Ce""

b/ Stora'e Ce"" I I% proce i%' ce"" a/ #ir t"04 t!e proce i%' c!eCue i pu""ed out;

b/ (a%6i%' o$ C!eCue i do%e c/ #i%a""0 t!e c!eCue i re"ea ed; I$ t!e c!eCue i c"ear4 e%tr0 i do%e i% t!e accou%t ot!erwi e4 t!e ca e i rejected;

I I% Stora'e Ce""4 t!e paper are di8ided i% two t0pe a/ Cu tomer paper w!ic! are retai%ed ti"" t!e term o$ "oa% i comp"eted; b/ (a%6 paper are !edded a$ter ome time i;e;4: 0ear or o;

Now t!e a%ctio% i c"ear a%d proce

i%' $ee i re"ea ed;

At t!e time o$ &i bur eme%tH I T!e doc6et i "o'i% $rom Credit to Operatio% &epartme%t; &oc6et i a% importa%t e%8e"op co%tai%i%' di$$ere%t paper ;

T0pe o$ &i bur eme%tH a/ #u"" L #i%a" &i bur eme%t - E'; App"ica%t a%ctio%ed "oa% o$ amou%t >

B*

"ac a%d di bur eme%t i do%e a a%d w!e% t!e P# c!eCue i re"ea ed; b/ #ir t L Sub eCue%t &i bur eme%t 9 E'; App"ica%t $ir t Sa%ctio% $or purc!a e a%d t!e% ub eCue%t"0 $or co% tructio% o4 t!e amou%t i 'ra%ted i% i% ta""me%t ; c/ E%!a%ceme%t D Reductio% 9 E'; App"ica%t i$ i% $uture decide to i%crea e or decrea e t!e amou%t o$ "oa% a%ctio%ed4 t!e% a'ai% t!e $i"e o$ i%crea ed amou%t !a to be a%ctio%ed; A%d i% ca e o$ reductio% t!e amou%t id direct"0 deducted; d/ (ac6 to (ac6 &i bur eme%t 9 E'; It i do%e i% t!e ca e o$ Hi'! Net I%di8idua" )HNI/ w!o ta6e "oa% more t!a% *+ "ac ; I% t!i t0pe o$ &i bur eme%t t!e $i"e a%d doc6et bot! are do%e ide b0 ide;

Co%te%t o$ &oc6et H I Loa% A'reeme%t 9 T!ere are * copie o$ "oa% a'reeme%t4 o%e $or t!e ab%6 a%d t!e eco%d $or t!e cu tomer )i%c"udi%' t!e tamp paper wit! tamp dut0 a per re pecti8e State Stamp Act; I &i bur eme%t Memo 9 It capture t!e e%tr0 o$ a"" $i%a%cia" detai" L e%tr0 i do%e i% #i%%o%e; I Le'a" L Tec!%ica" &e8iatio% S!eet 9 T!i i t!e "iabi"itie re'ardi%' t!e "oa% 'ra%ted; i'%ed b0 t!e per o% w!o ta6e a""

B:

I C!eCue Submi

io% #orm 9 It i $or t!e ac6%ow"ed'me%t ta6e% $rom t!e cu tomer

a per !ow ma%0 c!eCue !a8e bee% i ued a%d recei8ed a%d t!e e%trie are do%e o a to a8oid a%0 $uture mi u%der ta%di%' betwee% t!e ba%6 a%d t!e cu tomer; I &i bur eme%t ReCue t #orm 9 It i %ece ar0 a to 6%ow o% w!o e %ame t!e "oa% i app"ied a%d 'ra%ted; A%d w!ere to pa0; I Pop S!eet 9 It co%tai% a"" t!e co%te%t o$ t!e doc6et to a8oid mi p"aceme%t o$ a%0 importa%t paper; A%d e%tr0 i do%e a'ai%; I O8er T!e Cou%ter S!eet )OTC/ 9 It i to e7c!a%'e t!e deed wit! t!e c!eCue; I P&C Pouc! D Pre EMI Pouc! 9 It co%tai% a"" t!e e%trie o$ c!eCue detai" ; I C!eCue Ac6%ow"e'eme%t 9 It purpo e i to ta6e c!eCue ac6%ow"ed'eme%t $rom t!e cu tomer ; I Le'a" Report 9 It co% i t o$ No% E%cumbra%ce Certi$icate )NEC/ K record o$ .: 0ear o$ t!e propert0 w!ic! i mort'a'ed; I Tec!%ica" Report 9 It !ow t!e 8a"uatio% o$ t!e propert0 a%d t!e e timate ta6e% b0 t!e arc!itecture;

Pu%c!i%' Proce H I #i%a%cia" detai" are e%tered b0 &i bur eme%t Memo; I Propert0 &etai" are e%tered wit! t!e !e"p o$ Le'a" Report; I Tec!%ica" &etai" b0 Tec!%ica" Report4 I A%d a"" ot!er co%te%t are c!ec6ed4 8eri$ied a%d e%tered wit! t!e !e"p o$ Pop S!eet; #i%a""0 t!e c!eCue i cut a%d direct"0 !a%do8er to t!e cu tomer or t!rou'! O8er

B2

t!e cou%ter )OTC/ A%d t!e &oc6et i di patc!ed to Re'io%a" Operatio% )RO/ D Ce%tra" Operatio% )CO/;

Po t &i bur a" &ocume%t H I (a%6i%' o$ C!eCue I Rea"iEatio% o$ C!eCue ;

B>

T0pe o$ Apprai a"

T!ere are ba ic two t0pe o$ apprai a" do%e to i%8e ti'ate about t!e ca e t!at are "o''ed i%to t!e ba%6H

Tec!%ica" Apprai a"

Co% tructio% Structure Load (eari%' 5a"" Structure I E%tire Load o% 5a"" I Co t o$ Co% tructio% Lower I Pre8a"e%t i% Sma"" Tow%

RCC #rame Structure 9 Rei%$orced Co%crete Ceme%t I E%tire Load o% Co"um% a%d (eam I Co% tructio% o$ Commercia" a%d Re ide%tia" Comp"e7 I Hi'! 3 a'e o$ ECuipme%t

Mi7ed Structure I A% O8er8iew

Met!od o$ Na"uatio% Approac! $or Na"uatio% BA

I Mar6et I I%come I Co t

Met!od o$ Na"uatio% I Met!od o$ Compari o% I I%come Approac! to Na"uatio% I Summatio% or Co t Met!od I Re idua" Met!od

Met!od o$ Compari o% I Propert0 Rate i wor6ed out o% ot!er imi"ar propertie t!at !a8e bee% o"d i% %ear pa t; I Circ"e Rate are compared; I (ro6er #eedbac6 i compared; I No Sta%dard #ormu"a to wor6 out 8a"ue o$ propert0; I #actor 8ar0 $rom "oca"it0 to "oca"it0;

BB

T!i%' to Ob er8e w!i"e 8i iti%' a iteH I &i ta%ce $rom (u Stop a%d Rai"wa0 Statio% I Acce ibi"it0 o$ Site4 I%$ra tructure #aci"it0 I A8ai"abi"it0 o$ Mu%icipa" Tra% port; I &e8e"opme%t o$ Surrou%di%' Area; I (ui"di%' wi e detai" o$ Co% tructio%; I Loo6 out $or &e8iatio% ; I C!ec6 ?ua"it0 o$ Co% tructio% L Structura" ou%d%e I Neri$0 Ame%itie L A e ;

t!eir True Na"ue t!rou'! Materia" at ite;

How &o 5e #u%d T I Structure (a e a/ Load (eari%' or RCC b/ (u%'a"ow or #"at I (ui"der a/ Trac6 Record b/ Project Comp"eted c/ Cate'or0 A4(4C )Matri7/ I Le%di%' a/ Sta'e o$ Co% tructio% b/ Co t I%8o"8ed c/ Securit0 B,

Ad!ere%ce to Proce

Tec!%ica" E7ecuti8e I C!ec6 o% t!e pro're o$ t!e wor6;

I C!ec6 o% acti8it0 "e8e" 9 o% or Not I Arri8e at co t i%curred b0 Seei%' Comp"eted Structure ; I Ame%itie i% a%d arou%d t!e Site; I ?ua"it0 o$ Co% tructio% I Acce ibi"it0 I Ne'ati8e Area I P"a% Na"idatio% a/ C!ec6 #raud b/ Set (ac6 C!ec6 9 mea ure $rom P"i%t! )Ha to mea ure/ c/ C!ec6 w!et!er it Co%$irm (ui"di%' P"a% I Aut!e%tic Na"uatio% o$ t!e propert0 )to be dea"t i% detai" / I 5!at i to be c!ec6ed at t!e Site a%d #rom w!om I (ui"di%' Ru"e 9 Critica" Ru"e )p"ea e pro8ide !a%d out o$ t!e critica" bui"di%' ru"e /

BF

AP# Proce Re8i ed AP# Proce Sourci%' &MA D (SM Tec!%ica" Ma%a'er

#ire Le'a" #ire Tec!%ica"

AP# Proce

9 Ad8a%ta'e

I E%tire "e'a" a%d tec!%ica" due di"i'e%ce i do%e i% o%e i%'"e tro6e; I Mo%itori%' i o% project wi e u%"i6e u%it wi e; I It i a wi% wi% ituatio% $or t!e de8e"oper 9 cu tomer 9 ba%6; I Retrie8a" o$ project detai" i ea 0; I Tota" Na"ue o$ t!e propert0 a%d amou%t o$ co% tructed area comi%' up i% t!e mar6et i 6%ow%; I Mar6et S!are o$ ICICI a%d project wi e mar6et !are ca% be e8a"uated; I Trac6i%' o$ propert0 price become ea ier I E7po ure "e8e" per project ca% be e8a"uated; I &oub"e $u%di%' o% t!e project ca% be reduced I (etter co%tro" I (etter TAT I 1e%erati%' !u'e databa e o$ propert0 rate acro I%dia;

,+

Tur% Arou%d Time D Ame%itie Na"uatio%

I #or Norma" Tec!%ica" Report 9 *2 !our I #or AP# report 9 +> da0 I Commu%icatio% !ou"d be per$ect4 i% ca e p"a% %ot recei8ed; I No ite 8i it wit!out bui"di%' p"a% I No ame%itie 8a"uatio% u%"e actua""0 8eri$ied at t!e ite;

I Na"uatio% %ot to i%c"ude Stamp &ut0 a%d Re'i tratio% C!ar'e or 5ater a%d E"ectricit0 C!ar'e ;

Le'a" Apprai a"

Apprai a" $or Home #i%a%ce

Apprai a" Proce Sa%ctio% Sta'e

$or Home #i%a%ce !a two di ti%ct ta'e H

I Re"ate to Credit Apprai a" $or t!e i%di8idua" ; &i bur eme%t Sta'e I Le'a" apprai a" o$ t!e propert0 $i%a%ced

,.

I Tec!%ica" apprai a" o$ t!e propert0 $i%a%ced;

Le'a" Apprai a"

Tra% $er o$ Propert0 I Li8i%' per o% co%8e0 !i i%tere t 4 ri'!t or tit"e to o%e or more per o%) / I Per o% i%c"ude I%di8idua"4 A ociatio% o$ per o% 4 Part%er !ip4 Compa%0 or Tru t; I Tra% $er o$ propert0 mu t be do%e b0 a writte% re'i tered docume%t; I Sa"e $or a 8a"ue e7ceedi%' R ;.++D- reCuire re'i tratio%;

Tra% $er o$ Propert0 ma0 !appe% b0 I I%!erita%ce I 1i$t I 1o8er%me%t A""otme%t I Purc!a e I E7c!a%'e I Partitio% I Re"ea e

Tra% $er o$ Ti"t"e &eed I Sa"e &eed

,*

I A'reeme%t $or Sa"e I A""otme%t "etter I Lea e deed I 1i$t &eed I Probated 5i"" I &e8e"op A'reeme%t I &eed o$ E7c!a%'e I &eed o$ partitio% I Re"ea e &eed

Co%cept o$ Co%tract I T!ere !a to be a% o$$er a%d accepta%ce I Creatio% o$ a% a'reeme%t I To be 8a"id co%tract t!ere !ou"d be NO coercio%4 u%due i%$"ue%ce4 $raud4 mi repre e%tatio% or mi ta6e;

Compete%ce to Co%tract I T!e per o% !ou"d %ot be a mi%or; I He !ou"d be o$ ou%d mi%d; I Mi%or to be repre e%ted b0 1uardia% a%d ca% tra% $er propert0 wit! t!e permi io% o$ Court;

,:

,2

Propert0 &ocume%tatio% C"a i$icatio% i%to two part H .; T0pe o$ Tra% actio% *; C"a i$icatio% o$ &ocume%t

Tra% actio% t0pe I (ui"der I Societ0 I &e8e"opme%t (oard D Aut!oritie I Se"$ Co% tructio% I Re a"e Tra% actio%

C"a

i$icatio% o$ &ocume%t I La%d Re"ated &ocume%t I 1o8er%me%t La%d Record I P"a% a%d Permi io% I I%di8idua" Tit"e &ocume%t

,>

Propert0 &ocume%tatio%

Situatio% H Purc!a e $rom (ui"der La%d Re"ated &ocume%t Sa"e &eed D Part%er !ip &eed D &e8e"opme%t A'reeme%t4 POA 1o8er%me%t La%d Record E7tract $rom Re'i trar o$$ice4 Mutatio% E%trie P"a% A%d Permi io% Appro8ed P"a% a%d Permi io%4 3LCA permi io%4 Ta7 receipt 4 Comme%ceme%t certi$icate4 Occupatio% certi$icate4 La%d u e certi$icate4 (ui"di%' permi io%; I%di8idua" Tit"e &ocume%t A'reeme%t $or Sa"e4 RR4 Letter to Sub Re'i trar4 NOC to mort'a'e4 OCR

Situatio% H A""otme%t $rom &e8e"opme%t Aut!orit0 La%d Re"ated &ocume%t NA 1o8er%me%t La%d Record NA P"a% L Permi io%NA I%di8idua" Tit"e &ocume%t A""otme%t Letter4 OCR4 NOC D PTM $rom &A4 3%it La0out4 Sa"e &eed D Lea e &eed

Situatio% H Purc!a e $rom Societ0 La%d Re"ated &ocume%t Sa"e D Lea e &eed i% $a8or o$ Societ04 (0e Law 4 Societ0 Re'i tratio% Certi$icate; 1o8er%me%t La%d Record E7tract $rom Re'i trar o$$ice Mutatio% E%trie P"a% L Permi io%Appro8ed p"a% 4 NA permi io%4 3LCA permi io%4 Ta7 Receipt 4 CC4 OC4 La%d u e certi$icate4 (ui"di%' permi io%; I%di8idua" Tit"e &ocume%t A""otme%t Letter4 a'reeme%t $or Sa"e4 RR4 Letter to Sub re'i trar4 NOC $rom Societ04 OCR4 S!are Certi$icate;

,A

Situatio% H Se"$ Co% tructio% La%d Re"ated &ocume%t 1o8er%me%t La%d Record P"a% L Permi io%

I%di8idua" Tit"e &ocume%t

Same a i%di8idua" tit"e docume%t E7tract $rom Re'i trar o$$ice Mutatio% E%trie Appro8ed p"a% 4 NA permi io%4 3LCA permi io%4 Ta7 Receipt 4 Comme%ceme%t Certi$icate4 Occupatio% Certi$icate4 La%d u e certi$icate4 (ui"di%' permi io%4 Po e io% Certi$icate4 Locatio% Certi$icate; Sa"e &eed o$ t!e "a%d4 RR4 Letter to Sub re'i trar pre8iou tit"e docume%t 4 La%d La0out;

Situatio% H Purc!a e o% Re a"e La%d Re"ated &ocume%t A per t!e app"icab"e tra% actio% 1o8er%me%t La%d Record E7tract $rom Re'i trar o$$ice Mutatio% E%trie P"a% L Permi io%A per t!e app"icab"e tra% actio% I%di8idua" Tit"e &ocume%t Sa"e &eed 4 RR4 Letter to t!e Sub re'i trar4 Prior &eed 4 NOC to Mort'a'e4 OCR4 S!are Certi$icate;

,B

<%ow =our Cu tomer )<=C/ comp"ia%ce )A/ T!e matri7 o$ t!e docume%t t!at are reCuired to be co""ected $or re ide%t
i%di8idua" borrower i a be"ow4 a%0 o%e docume%t $rom eac! o$ t!e docume%t cate'or0 wou"d be reCuired H

&ocume%t Cate'or0 Re ide%ce Addre Proo$

Sa"ariedSEP L SENP I Pa portI Pa port I &ri8i%' "ice% eI &ri8i%' "ice% e I E"ectio% Id cardI E"ectio% Id card I 3ti"it0 bi"" )%ot more t!a% :I 3ti"it0 bi"" )%ot more t!a% mo%t! o"d/: mo%t! o"d/ I Late t )%ot more t!a% :I Late t )%ot more t!a% : mo%t! o"d/ tateme%t o$mo%t! o"d/ tateme%t o$ accou%t D pa boo6accou%t D pa boo6 mai%tai%ed wit! a%0mai%tai%ed wit! a%0 c!edu"ed ba%64 du"0 c!edu"ed ba%64 du"0 certi$ied b0 t!e ba%6certi$ied b0 t!e ba%6 co%$irmi%' t!e addre co%$irmi%' t!e addre I Letter $rom t!e e7i ti%'I Letter $rom t!e e7i ti%' (a%6er ) c!edu"ed(a%6er ) c!edu"ed commercia" ba%6/ i%commercia" ba%6/ i% ori'i%a" 8eri$0i%' t!e %ameori'i%a" 8eri$0i%' t!e a%d addre o% t!e ba%6@ %ame a%d addre o% t!e "etter!ead;ba%6@ "etter!ead; I Cop0 o$ re'i tered "ea e DI Cop0 o$ re'i tered "ea e D "ea8e a%d "ice% e"ea8e a%d "ice% e a'reeme%t w!ic! are %ota'reeme%t w!ic! are %ot e7pired a"o%' wit! t!ee7pired a"o%' wit! t!e uti"it0 bi"" i% t!e %ame o$uti"it0 bi"" i% t!e %ame o$ t!e "a%d"ord D ow%ert!e "a%d"ord D ow%er co%$irmi%' addre ;co%$irmi%' addre ; I Re ide%tia" Certi$icateI Re ide%tia" Certi$icate i ued b0 Mu%icipa"i ued b0 Mu%icipa" corporatio% D "oca" e"$corporatio% D "oca" e"$ 'o8er%me%t bodie 'o8er%me%t bodie co%$irmi%' addre ;co%$irmi%' addre ; I Late t premium receipt o$I Late t premium receipt o$ 'e%era"D "i$e i% ura%ce'e%era"D "i$e i% ura%ce compa%0 )%ot more t!a% .*compa%0 )%ot more t!a% mo%t! o"d i% ca e o$.* mo%t! o"d i% ca e o$ a%%ua" premium receipt/a%%ua" premium receipt/ I True Cop0 o$ 1a I True Cop0 o$ 1a

,,

co%%ectio% boo6;

co%%ectio% boo6;

I Certi$icate i ued b0 5ard O$$icer mai%tai%i%' e"ectio% ro"" certi$0i%' addre o$ t!e app"ica%t; Letter $rom emp"o0er I certi$0i%' re ide%tia" addre ; Name a%d &e i'%atio% o$ t!e i ui%' aut!orit0 mu t be c"ear"0 me%tio%ed;

I Certi$icate i ued b0 5ard O$$icer mai%tai%i%' e"ectio% ro"" certi$0i%' addre o$ t!e app"ica%t;

U T!e pa port V dri8i%' "ice% e a abo8e !ou"d be curre%t i;e;4 t!e ame !ou"d %ot be e7pired;

C"ari$icatio% H A i%'"e docume%t ca% be accepted pro8ided it er8e t!e reCuireme%t $or mu"tip"e proo$ a%d t!e curre%t re ide%tia" addre i ame a o% t!e proo$ ubmitted $or i%di8idua" ; T!u 4 t!e pre$erred docume%t $or t!e P!oto Id4 Re ide%ce Addre L A'e Proo$ i Pa port D E"ectio% Id D &ri8i%' Lice% e; #or re$ere%ce t!e "i t o$ docume%t accepted a A'e Proo$ i 'i8e% be"ow Sa"ariedSEPSENP I Pa portI Pa portI Pa port I &ri8i%' "ice% eI &ri8i%' "ice% eI &ri8i%' "ice% e I E"ectio% I&I E"ectio% I&I E"ectio% I& I PAN CardI PAN CardI PAN Card I Li$e I% ura%ceI Li$e I% ura%ceI Li$e I% ura%ce Po"ic0Po"ic0Po"ic0 I (irt! Certi$icateI (irt! Certi$icateI (irt! Certi$icate I Sc!oo" "ea8i%'I Sc!oo" "ea8i%'I Sc!oo" "ea8i%' certi$icatecerti$icatecerti$icate I Emp"o0ee IdI Emp"o0ee IdI Emp"o0ee Id )o%"0 $or PS3 D)o%"0 $or PS3 D)o%"0 $or PS3 D 1o8t; emp"o0ee 1o8t; emp"o0ee 1o8t; emp"o0ee I SSC D HSC AdmitI SSC D HSC AdmitI SSC D HSC Admit CardCardCard I SSC D HSC Mar6I SSC D HSC Mar6I SSC D HSC Mar6 S!eetS!eetS!eet I Sc!oo" D co""e'eI Sc!oo" D co""e'eI Sc!oo" D co""e'e pa i%' certi$icatepa i%' certi$icatepa i%' certi$icate )Pri%ted $ormat wit!)Pri%ted $ormat wit!)Pri%ted $ormat wit!

A'e Proo$

,F

per o%a" detai" o$ t!e app"ica%t !a%dwritte% are acceptab"e/ I Sa"ar0 S"ip )i$ date o$ birt! i me%tio%ed/ I &omici"e certi$icate I Ratio% Card

per o%a" detai" o$ t!e app"ica%t !a%dwritte% are acceptab"e/ I Sa"ar0 S"ip )i$ date o$ birt! i me%tio%ed/ I &omici"e certi$icate I Ratio% Card

per o%a" detai" o$ t!e app"ica%t !a%dwritte% are acceptab"e/ I Sa"ar0 S"ip )i$ date o$ birt! i me%tio%ed/ I &omici"e certi$icate I Ratio% Card

)(/ &ocume%t reCuired $or i%di8idua" NRI D PIO borrower &ocume%t cate'or0 Ide%tit0 Proo$

I% ca e t!e cu tomer i a NRI 9 a; P!otocop0 o$ t!e re"e8a%t pa'e o$ t!e pa port w!ere t!e cu tomer@ %ame4 addre 4 date o$ birt!4 date L p"ace o$ i ue4 e7pir0 date4 p!oto'rap!4 i'%ature L tamp re'ardi%' ta0 out ide I%dia appear; b; P!otocop0 o$ 8a"id wor6 permit D emp"o0me%t 8i a; I% ca e o$ e7pired 8i a 4 du"0 ac6%ow"ed'ed petitio% made to t!e Ni a Aut!oritie $or re%ewa" o$ Ni a wi"" be accepted a a 8a"id docume%t; I% ca e t!e cu tomer i a PIO 9 a; Cop0 o$ t!e re"e8a%t pa'e o$ !i curre%t pa port; b; Cop0 o$ !i PIO card Or Cop0 o$ pa t I%dia% pa port o$ e"$ D pare%t D 'ra%d-pare%t a"o%' wit! a e"$ dec"aratio% a ICICI $ormat du"0 %otariEed a%d tamped $or reCui ite 8a"ue;

Adre

Proo$

A cop0 o$ at "ea t o%e o$ t!e $o""owi%' Addre proo' out ide or wit!i% I%dia H a; 3ti"it0 (i"" b; &ri8i%' "ice% e c; Re ide%tia" Permit )1o8er%me%t I ued Ide%tit0 Card/ d; Credit Card (i"" e; Re%t Receipt $; O8er ea D I%dia% ba%6 Stateme%t

F+

T!e addre proo$ mu t matc! wit! t!e commu%icatio% addre me%tio%ed o% t!e app"icatio% $orm;

)C/ &ocume%t reCuired $or %o% 9 i%di8idua" borrower H &ocume%t cate'or0 I& proo$I Part%er !ip #irm 9 Part%er !ip &eed I Compa%0 9 Artic"e o$ A ociatio%4 Memora%dum o$ A ociatio%4 Certi$icate o$ I%corporatio%; O$$ice Addre Proo$ A%0 o%e o$ t!e $o""owi%' docume%t H I Late t )%ot more t!a% : mo%t! o"d/ 3ti"it0 (i"" "i6e Te"ep!o%e (i""4 E"ectricit0 (i"" co%$irmi%' addre ; I Letter $rom t!e e7i ti%' (a%6er ) c!edu"ed commercia" ba%6/ i% ori'i%a"; E7i ti%' ba%6er mu t 8eri$0 t!e %ame a%d addre o$ t!e e%tit0 o% t!e ba%6@ "etter!ead I Late t )%ot more t!a% : mo%t! o"d/ tateme%t o$ accou%t D pa boo6 mai%tai%ed wit! a%0 c!edu"ed commercia" ba%64 du"0 certi$ied b0 t!e ba%6 co%$irmi%' t!e addre ; I Cop0 o$ re'i tered "ea e D "ea8e a%d "ice% e a'reeme%t w!ic! are %ot e7pired a"o%' wit! t!e uti"it0 bi"" i% t!e %ame o$ t!e "a%d"ord D ow%er co%$irmi%' addre ; I Certi$icate i ued b0 Mu%icipa" Corporatio% D "oca" e"$ 'o8er%me%t bodie co%$irmi%' addre ; I Late t a8ai"ab"e I%come Ta7 A e me%t order co%$irmi%' addre ; I Late t a8ai"ab"e 5ea"t! ta7 A e me%t order co%$irmi%' addre ; I Sa"e Ta7 re'i tratio% certi$icate co%$irmi%' addre ; I Na"id S!op a%d E tab"i !me%t Certi$icate co%$irmi%' addre ; I #actor0 re'i tratio% certi$icate co%$irmi%' addre ; I Late t Premium receipt o$ 'e%era" D "i$e i% ura%ce compa%0 )%ot more t!a% .* mo%t! o"d i% ca e o$ a%%ua" premium receipt/

I% ca e o$ %o% 9 i%di8idua" app"ica%t 4 <=C wi"" a" o be reCuired $or t!e part%er D director D promoter w!o wou"d be reCuired a t!e co 9 app"ica%t a%d a" o a"" aut!oriEed i'%atorie ;

F.

F*

Repa0me%t Trac6 Record (a ed "e%di%'

Auto "oa%

I%troductio% o$ RTR ba ed product I Capita"iEe o% Repa0me%t Hi tor0 o$ app"ica%t I #ocu ed o% Auto Loa% Cu tomer I Auto Loa% Cu tomer o$ a/ ICICI (a%6 b/ Ot!er "e%der

Product Hi'!"i'!t I Opportu%itie to 'i8e !ome "oa% to appro8ed "i t o$ auto "oa% cu tomer I S!ou"d !a8e er8iced $or a mi%imum period o$ .* mo%t! I Or RTR !ou"d %ot !a8e bee% c"o ed be$ore .* mo%t! bac6 I Product ca% be o$$ered $or a/ Home "oa% b/ Home premi e o%"0 $or doctor c/ HL $or SEP L SENP I Mi%imum 9 Ma7imum Loa% H R ;> 9 R ;*> "ac

Product #eature I RTR o$ commercia" 8e!ic"e %ot acceptab"e a/ Scorpio D ?ua"i b/ Sumo D Tata I%dicab I Mu"tip"e "e%di%' o% ame RTR %ot acceptab"e I Le%di%' to &irector D Part%er a/ (a ed o% RTR o$ t!e $irm D P8t Ltd; compa%0 b/ &irector D Part%er Q BAO !ou"d come a Co-app"ica%t D 1uara%tor c/ Sta6e to be 8eri$ied b0 CA D CS or Retur% o$ ROC I Loa% To Na"ue a per product %orm I A"" ot!er %orm a per t!e product cate'or0

Cu tomer Se'me%t Re ide%t I%dia% .; Sa"aried *; Se"$ Emp"o0ed Pro$e io%a" :; Se"$ Emp"o0ed No% Pro$e io%a" Tra% porter D Ta7i $"eet Operator Not acceptab"e

F:

Tar'et Se'me%t

Sa"aried

Se"$ Emp"o0ed Pro$e io%a" D No% Pro$e io%a"

A"read0 !a8i%' Auto Loa% wit! ICICI (a%6 a%d ot!er I% titutio%

Product 5or6i%' E"i'ibi"it0 .;Mi%imum Sea o%i%' *;Sea o%i%' Q.* mo%t! Q., mo%t! Parameter .;EMI i% arrear )curre%t/ *;&e$au"t RTR Hea"t! #or .* mo%t! RTR #or *2 mo%t! RTR #or :A mo%t! RTR

.* mo%t! EMI Mu"tip"ier . time o$ t!e curre%t EMI $or Auto "oa% .;*> time o$ t!e curre%t EMI $or Auto "oa% Ni" Pea6 %ot more t!a% :+ da0 + C!eCue bou%ce i% .* mo%t! Ma7imum +* c!eCue bou%ce Ma7imum +: c!eCue bou%ce

Loa% Amou%t ba ed o% RTR wor6i%' Loa% Amou%t i% "ac E7amp"e . Mr; Ra6e ! !a Acce%t "oa% pa0i%' EMI Loa% Amou%t i% "ac Auto "oa% EMI W.;*>D EMI $actor per "ac $or t!e "oa% te%ure R ;.>+++D.>+++W.;*> D F*B P R ;*+;** "ac

F2

PROCESS O# RTR

IMP

Comp"ete"0 $i""ed i% Home Loa% $orm; (a%6 tateme%t co% idered $or RTR; Repa0me%t Trac6 $or t!e app"icab"e repa0me%t period; A'e Proo$ D Si'%ature Proo$ Proce i%' #ee C!eCue Proo$ o$ e7i te%ce i% ca e o$ SEP D SENP #ie"d I%8e ti'atio% O$$ice addre proo$;

LAPH +: 0ear co%ti%uit0 o$ bu i%e Proo$ o$ E7i te%ce C"ie%t Re$ere%ce 9 +* "ar'e upp"ier D cu tomer ;

PROCESS I I%come &ocume%t 9 Sa"ar0 S"ip4 ca ! a"ar04 eco%d i%come proo$ D a%%ua" be%e$it ; #orm No; .A I Job co%$irmatio% proo$; I I%come Proo$ $or SEP D SENP; I

5ai8er

Re earc! Met!odo"o'0

F>

RESEARCH METHO&OLO1=
Re earc! &e i'%H T!e Re earc! &e i'% ca% be 'rouped u%der * ector i;e;4 Primar0 ource a%d eco%dar0 ource ;

Re earc! &e i'%

Primar0 Source

Seco%dar0 Source

I%ter8iew wit! cu tomer D &MA ?ue tio%%aire

5eb ite a%d I%tra%et o$ ICICI (a%6 Ltd;

Ot!er t!a% t!e e primar0 a%d eco%dar0 ource t!e tud0 o$ 8ariou ca e o$ t!e app"ica%t b0 'oi%' t!rou'! t!e $i"e 'uided to ma6e a% a%a"0 i a%d $i%di%' re'ardi%' t!e tatu o$ Home Loa% i% t!e curre%t ce%ario; E8e% b0 a i ti%' t!e Credit Proce i%' A%a"0 t4 t!e a%a"0 i a%d $i%di%' were appro8ed b0 t!em;

Samp"e &e i'%H T!e data co""ected $rom t!e Cue tio%%aire i o$ amp"e iEe 2+; T!e Cue tio%%aire !a8e bee% $i""ed b0 t!e cu tomer t!rou'! &irect Mar6eti%' A'e%cie o$ ICICI (a%6 Ltd; a%d t!eir &irect Sa"e A'e%t; T!e Cue tio%%aire were di tributed eCua""0 amo%' 2 &MA eCua""0 a%d t!e re po% e co""ected t!rou'! t!em wa o$ 'reat u e;

FA

Re earc! Too" a%d ?ue tio%%aireH

?3ESTIONAIREH

.; NAME O# THE APPLICANTH

A1EH

*; PRO#ESSIONH

:; LOAN AMO3NTH

2; TEN3REH

>; PRO&3CT APPLIE& #ORH

A; MO&ES O# PA=MENTH )a/ ECS )b/ P&C )c/ &AS

)d/ SI

)e/ A%0 ot!er

B; PROPERT= MORT1A1E&H

,; AN= OTHER LOAN TA<EN ON SAME PROPERT=H

F; PRE##ERE& (AN< #OR HOME LOANSH )a/ ICICI )b/ H&#C )c/ S(I )d/ PN( )e/ A""a!abad (a%6

.+; LOAN TA<EN #ROM AN= OTHER (AN<4 I# =ES 5HICH (AN< AN& #OR 5HAT P3RPOSEH

..; SO3RCES O# IN#ORMATION #OR THE NARIO3S HOME LOANS PLANSH )a/ NE5SPAPER )b/ (AN< )c/ &IRECT MAR<ETIN1 A1ENC= D &SA

.*; ARE 3 SATIS#IE& 5ITH THE SERNICES PRONI&E& (= ICICIT )a/ =ES)b/ NO

FB

A%a"0 i H
I% "a t .+ 0ear t!e rate o$ 'rowt! i% t!e %umber o$ app"ica%t !a8e bee% at a $a ter pace becau e t!e i%di8idua" !a8e 8a t 6%ow"ed'e about t!e be%e$it o$ Home Loa% ; =earNo; o$ App"ica%t *++*-+:B4B:4>A* *++:-+2F4A>4*F. *++2-+>.:42*4+FB *++>-+A.>4*B4F2> *++A-+B.B4F>4+2, *++B-+,.F4,24.A2

)T!e e $i'ure are o$ a particu"ar tate/

Seco%d"04 t!e app"ica%t app"0i%' $or Home Loa% were o$ 0ou%' a'e a compared to pa t .+ 0ear ; T!e% t!e app"ica%t ra%'i%' abo8e 2> 0ear were more i% %umber app"0i%' but %ow t!ere are app"ica%t o$ e8e% *>-:+ 0ear ; T!e te%ure to repa0 t!e "oa% !a a" o decrea ed becau e o$ t!e i%crea e i% I%come Ob"i'atio% ratio;

(ut i%ce "a t .-* 0ear t!ere i a tab"e perce%ta'e o$ i%di8idua" app"0i%' $or it becau e o$ t!e i%crea e i% t!e rate o$ i%tere t a%d trict %orm o$ R(I; T!e0 are a $o""ow H a/ Rate o$ I%tere t wi"" be "e $or peop"e i% mi%orit0; b/ App"ica%t app"0i%' $or more t!a% >+ "ac w!o are Hi'! Net I%di8idua" )HNI/ are pro8ided wit! ome perce%ta'e o$ rebate; c/ App"ica%t ta6i%' "oa% $or t!e eco%d time $or Home "oa% are u%der trict uper8i io% a%d 8eri$icatio%;

T!i i do%e becau e t!e cu tomer ta6e "oa% $or i%8e ti%' mo%e0 b0 ta6i%' HL a%d e%jo0i%' t!e redemptio% a%d deductio% ; (a%6 !a e8e% i%troduced <%ow =our Cu tomer )<=C/ docume%t w!ic! co% titute o$ a"" t!e per o%a" a%d pro$e io%a" detai" o$ t!e app"ica%t a%d t!e co-app"ica%t app"0i%' $or !ome "oa% w!ic! !e"p t!e ba%6 to 'et t!e i%$ormatio% about t!e cu tomer a%d jud'e t!e purpo e o$ app"0i%' $or HL;

F,

#INE #ORCES O# PORTER@S MO&EL O# ICICI

S3PPLIER@S PO5ER

(ARRIERS TO ENTR=

RINALR=

THREAT O# S3(STIT3ES

(3=ER@S PO5ER

&E1REE O# RINALR=

Supp"ier Power
I I I%crea ed &epe%de%ce o% IPO T!ere i a 'rowi%' depe%de%ce o$ corporate o% bro6i%' !ou e wit! t!e ri i%' %umber o$ IPO@ comi%' to t!e mar6et;

(u0er Power
I I I I Lac6 o$ E7perti e Curtai" (ar'ai%i%' Power Retai" i%8e tor o$te% "ac6 t!e 6%ow"ed'e a%d e7perti e i% t!e $i%a%cia" ector t!at ca"" t!em to approac! t!e bro6i%' !ou e ; Low Product &i$$ere%tiatio% Pro8e (e%e$icia" T!e retai" bro6i%' er8ice pro8ided b0 t!e 8ariou compa%ie i !omo'e%eou wit! 8er0 "ow product di$$ere%tiatio%; T!i a""ow cu tomer to e%jo0 a 'reater bar'ai%i%' power;

&e'ree o$ Ri8a"r0
I I I I I I Mo8e toward co% o"idatio% Lot o$ bro6era'e compa%ie are mo8i%' toward co% o"idatio% wit! t!e ma""er o%e becomi%' eit!er $ra%c!i ee $or t!e "ar'er bro6er or c"o i%' operatio% ; I%crea ed #ocu o$ (a%6 i% Retai" (ro6i%' Nariou $orei'% ba%6 "i6e A(N Amro a%d ot!er are p"a%%i%' to e%ter t!e I%dia% retai" bro6era'e i%du tr0; O%"i%e Tradi%' Compete wit! Traditio%a" (ro6era'e T!ere i a% i%crea i%' dema%d $or o%"i%e tradi%' due to co% umer@ 'rowi%' pre$ere%ce $or i%ter%et a compared to approac!i%' t!e bro6er ;

FF

(arrier to E%tr0
I I E%tr0 o$ #orei'% P"a0er New $orm o$ tradi%' i%c"udi%' TK* ett"eme%t 0 tem4 demateria"iEatio% etc are tre%'t!e%i%' t!e retai" bro6era'e mar6et a%d attracti%' $orei'% compa%ie to e%ter t!e I%dia% i%du tr0;

T!reat o$ Sub titute

I I A"ter%ati8e I%8e tme%t Optio% Nariou a"ter%ati8e $orm o$ i%8e tme%t i%c"udi%' $i7ed depo it wit! ba%6 a%d po t o$$ice etc act a ub titute to retai" bro6i%' product a%d er8ice ;

.++

S5OT ANAL=SIS
Stre%'t! I Ad8a%ced Tec!%o"o'0 I Pro8idi%' i%%o8ati8e product a%d tec!%o"o'0 I Le8era'e tec!%o"o'0 to ati $0 cu tomer dema%d ; I Add 8a"ue to !are !o"der ; 5ea6%e H I Too ma%0 ub idiarie I Hi'! co t o$ $u%d Opportu%itie H I Hi'!er capita" ba e I #ir t mo8er ad8a%ta'e T!reat H I Competitio% $rom ot!er i%du tr0 ri8a" "i6e H&#C; I Co%cer% o8er NPA de pite pro8i io%i%'

T!u 4 ICICI !a bee% ab"e to u e tec!%o"o'0 to pro8ide 8a"ue 9 added er8ice to it cu tomer duri%' t!e "a t $ew 0ear ; #or ICICI4 tec!%o"o'0 i a% i%te'ra" part o$ t!eir bu i%e ; Howe8er4 t!eir o8era"" pro're cou"d !a8e bee% moot!er but $or certai% i%ter%a" a%d e7tra%eou $actor a%d a" o a pre ure o% pread due to a competiti8e mar6et;

.+.

Comparati8e tud0 o$ ICICI (a%6 Ltd; a%d H&#C (a%6

E8e% t!eir o$$ice re$"ect t!eir attitude ; ICICI (a%6X !eadCuarter i% uburba% Mumbai i a !u'e4
impo i%' edi$ice i% '"a a%d 'ra%ite; H&#C (a%6X o$$ice i% ce%tra" Mumbai i comparati8e"0 ma""er a%d more edate"0 $ur%i !ed; T!e two ba%6 !a8e carried $orward t!eir t0"e tateme%t i% t!eir approac! to bu i%e ; ICICI (a%6 t!i%6 bi'4 i a"" $or 'rowt! a%d !u%'r0 $or mar6et !are; H&#C (a%6 i more co% er8ati8e a%d cautiou 4 'row at a mea ured pace4 wit!out ta6i%' a%0 u%due ri 6 ; ICICI (a%6X a et i% t!e retai" pace ta%d at R >A4+++ crore )R >A+ bi""io%/; I% compari o%4 t!e ta""0 $or H&#C (a%6 i R .,4+++ crore )R .,+ bi""io%/; ICICI (a%6 a" o "ead H&#C (a%6 i% a"mo t e8er0 e'me%t t!e0 are pre e%t i%; (ut t!atX ju t t!e curre%t update; T!e &NA o$ t!e trate'0 ICICI (a%6 be'a% it retai" ba%6i%' 8e%ture i% mid-.FFF; (0 Ja%uar0 *+++4 it !ad mo8ed o% to i%troduci%' !ome "oa% 4 car "oa% 4 per o%a" "oa% a%d credit card ; Rea"i i%' t!e %eed $or a bi''er retai" depo it ba e4 t!e ba%6 tarted bui"di%' a bra%c! a%d a% ATM %etwor6; T!e acCui itio% o$ (a%6 o$ Madura i% Marc! *++. added *A: bra%c!e 4 ma%0 o$ t!em i% citie w!ere ICICI (a%6 did %ot !a8e a pre e%ce; T!e mer'er o$ t!e er tw!i"e $i%a%cia" i% titutio% ICICI Limited wit! t!e ba%6 i% Apri" *++*4 'a8e it a read0-made corporate c"ie%te"e; T!e $"ip ide wa t!at ICICI (a%6 !ad R .+4+++ crore )R .++ bi""io%/ o$ re tructured a et $or w!ic! it !ad to ma6e pro8i io% ; O% t!e ot!er !a%d4 H&#C (a%6 6ic6 tarted it operatio% i% .FF> wit! a $ocu o% corporate ba%6i%'4 tar'eti%' t!e top-e%d o$ t!e mar6et;H&#C (a%6 8e%tured i%to retai" "e%di%' i% .FF,4 a 0ear be$ore ICICI (a%6; (ut i% product "i6e credit card 4 it wa "ow to 'et o$$ t!e mar6; #or i% ta%ce4 it credit card were "au%c!ed o%"0 two 0ear a'o; (0 t!e% ICICI (a%6 !ad bee% pre e%t i% t!e credit card bu i%e $or %ear"0 t!ree 0ear ; Howe8er4 H&#C (a%6 wa !a%dicapped becau e it cou"d %ot e"" !ome "oa% )becau e it pare%t H&#C wa i% t!e bu i%e /4 t!ou'! it !a bee% ori'i%ati%' t!em i% t!e pa t o%e-a%d-a-!a"$ 0ear ; #or ICICI (a%64 !ome "oa% are 2A per ce%t o$ it retai" a et ; A ba%6i%' co% u"ta%t ob er8e t!at ICICI (a%6 i $ar more a''re i8e; T!ou'! ICICI e7ecuti8e do %ot admit it4 i%du tr0 ource ob er8e t!at ICICIX prici%' !a bee% $ar more competiti8e4 w!ic! probab"0 brou'!t it more cu tomer ; Accordi%' to ome i%du tr0 e7pert 4 'rowt! $or ICICI (a%6 ma0 !a8e come at t!e co t o$ Cua"it0; ICICI (a%6 de%ie t!i ; Ca""i%' t!e cu tomer (ot! p"a0er tar'eted t!e ame cu tomer -- t!e upper-midd"e c"a ; T!e mar6eti%' c!a%%e" u ed b0 bot!4 i%c"udi%' direct a"e a'e%t )&SA /4 were t!e ame; =et4 t!ere wa a di$$ere%ce; I% t!e pa t two 0ear 4 t!e ba%6 !a pe%t "e t!a% R .++ crore )R . bi""io%/ o% ad8erti i%' a%d pub"icit0 )I% compari o%4 ICICI !a pe%t R .,> crore/; H&#C (a%6 a0 t!at it pe%d !a8e a"wa0 $ocu ed o% ot!er c!a%%e" uc! a direct a"e a%d p!o%e ba%6i%' rat!er t!a% mai% tream ad8erti i%';

.+*

(etter pic6-up T!e %umber te"" t!e tor0; ICICI (a%6X retai" depo it are %ud'i%' R A+4+++ crore )R A++ bi""io%/ a%d i% #=+A4 it 'rew it depo it b0 2B per ce%t compared wit! t!e i%du tr0 depo it 'rowt! o$ .2 per ce%t; H&#C (a%6X retai" depo it are about R *:4+++ crore )R *:+ bi""io%/; E8e% i% !ome "oa% 4 ICICI (a%6 comma%d :+ per ce%t o$ t!e mar6et4 !a8i%' eate% i%to !ou i%' $i%a%ce pio%eer4 H&#CX !are;

S!are o$ t!e wa""et

Mar-+> (ra%c!e ATM Citie Retai" a et )R crore/ &epo it )R crore/ Car "oa% )R crore/ Credit card )M%/ Retai" cu tomer )M%/ Co t o$ depo it )O/ Net i%tere t mar'i% )O/ Net NPL )O/ H&#C (a%6 2AB .4.2B *.. ICICI (a%6 >A> *4+++ :B.

.,4+++ :,4+++ *4>++ .;: A;2 :;* :;* +;*

>A4+++ FF4,++ ..4>++ : .:;B 2;> *;2 *

E8e% i% t!e %umber o$ cu tomer ICICI (a%6 "ead b0 a di ta%ce )See tab"eH S!are o$ t!e wa""et/; Near"0 .2 mi""io% cu tomer ba%6 wit! ICICI (a%64 w!i"e t!e %umber $or H&#C (a%6 i "e t!a% !a"$ )A;2 mi""io%/; ICICI (a%6 !a i ued : mi""io% credit card -- t!at i more t!a% twice t!e %umber o$ H&#C (a%6X credit card u er ; Howe8er4 i%du tr0 ob er8er poi%t out t!at ICICI (a%6X e$$ecti8e u er $or credit card ma0 %ot be !i'!; No%et!e"e 4 t!e0 co%cede t!at e8e% wit! a di cou%ted cu tomer ba e4 t!e %umber wi"" ti"" be tro%'; E8e% i% bu i%e e "i6e o%"i%e tradi%' w!ere t!e ri 6 are re"ati8e"0 "ow4 ICICI (a%6 comma%d a two-t!ird mar6et !are; XTe"" a""X treet T!e toc6 mar6et !a a"wa0 8a"ued H&#C (a%6 at a !u'e premium -- at t!e curre%t price o$ R >,>4 H&#C (a%6 i 8a"ued at :;> time price to $orward boo6 )8a"uatio% ba ed o% e timated boo6 8a"ue i% #= +A o$ R .A>/; T!e mu"tip"e $or ICICI (a%6 t!at Cuote at R 2.>4 i ju t *;. )e timated boo6 8a"ue R .F2/; T!e rea o%H t!e impeccab"e Cua"it0 o$ H&#C (a%6X ba"a%ce !eet; 5it! NPL o$ "e t!a% +;* per ce%t4 compared wit! * per ce%t $or ICICI (a%64 it boo6 are de$i%ite"0 i% $ar better !ape;

H&#C (a%6X operatio% are a" o more pro$itab"e -- it %et i%tere t mar'i% at :;* per ce%t i wa0 !i'!er t!a% t!at o$ ICICI (a%6X *;2 per ce%t; A" o4 it i ab"e to acce depo it at a "ower co t; O% a% a8era'e4 it pa0 a% i%tere t o$ :;* per ce%t w!i"e ICICI (a%6 !e"" out 2;> per ce%t; (ut rou%d o%e o$ t!e ba%6i%' weep ta6e !a c"ear"0 'o%e to ICICI (a%6;

.+:

RESEARCH #IN&IN1SH

T!e data co""ected t!rou'! Cue tio%%aire wit! t!e !e"p o$ &irect Sa"e A'e%t a%d &irect Mar6eti%' A'e%cie !a bee% o$ 'reat importa%ce to a%a"0Ee ma%0 detai" re'ardi%' a"" t!e captio% t!at are t!ere i% t!e Cue tio%%aire o$ amp"e iEe 2+; T!e0 are a $o""ow H J A'eH T!e app"ica%t ra%'i%' betwee% t!e a'e o$ :+ - 2> 0ear are t!e o%e w!o !a8e app"ied $or Home Loa% "ar'e i% %umber4 it i becau e t!e0 are $i%a%cia""0 tab"e a%d ou%d; (ut %ow a da0 cu tomer ra%'i%' betwee% *> 9 :+ are e8e% app"0i%' $or Home Loa% becau e t!e0 are aware o$ t!e be%e$it t!at ca% be a8ai"ed b0 app"0i%' $or Home Loa% ; Pro$e io%H Mo t"04 t!e Se"$ Emp"o0ed No% Pro$e io%a" i;e;4 bu i%e per o% w!o are i%8o"8ed i% t!eir $ami"0 bu i%e app"0 $or Home Loa% ; Sa"aried are "e i% %umber; Te%ure L Loa% Amou%tH T!e te%ure w!ic! t!e ba%6 a%d t!e cu tomer $i%a""0 arri8e at i accordi%' to t!e e"i'ibi"it0 o$ t!e app"ica%t i% co% ideratio% to !i a/ A'e 9 A t!e ba%6 it e"$ a ume t!at i t!e per o% capab"e e%ou'! p!0 ica""0 a%d $i%a%cia""0 t!at !e@"" be ab"e to repa0 t!e "oa% i% t!e $i7ed te%ure; b/ Pro$e io% 9 eit!er t!e per o% i a"aried w!ic! !ow !e !a a $i7ed i%come per mo%t! a%d t!u t!e i% ta""me%t wi"" be o% time4 i$ t!e app"ica%t i SEP or SENP t!e% t!ere ca% be a%0 'ai% or "o a%d o t!e te%ure a%d amou%t o$ "oa% i $i7ed accordi%'"0;

Product app"ied $orH T!e mo t pre$erred product i% Home Loa% areH Home Loa% 9 It i pecia""0 $or t!e purpo e o$ co% tructio% a%d purc!a e; (e%e$it o$ Home "oa% I C!eaper Rate 9 R(I !a 'i8e% a mar'i% o$ +;B>O w!ic! deduct $rom t!e curre%t pre8ai"i%' rate ; I Ea i"0 'ra%ted; I Amou%t o$ "oa% 'ra%ted 9 >+O o$ t!e a"ar0 i% ca e o$ a"aried c"a ; I Rebate D deductio% i% I%come Ta7;

La%d Loa% 9 It i %orma""0 'i8e% $or t!e purpo e o$ purc!a e o$ "a%d $or I%8e tme%t $or $uture; (e%e$it o$ La%d Loa% I Norma" rate 9 A it i 'ra%ted $or t!e purpo e o$ i%8e tme%t o R(I !a %ot 'i8e% a%0 deductio% o$ mar'i% becau e it i %ot be%e$icia" $or t!e 'o8er%me%t a%d i mere"0 $or t!e per o%a" be%e$it o$ t!e cu tomer;

.+2

I T!ere i %o rebate i% I%come Ta7;

LAP )Loa% A'ai% t Propert0/ 9 It i 'i8e% $or di$$ere%t purpo e a'ai% t a%0 propert0 w!ic! i mort'a'ed wit! t!e ba%6 a%d i re"ea ed w!e% t!e "oa% i o8er; (e%e$it o$ LAP I Rate at w!ic! t!e "oa% i 'ra%ted i abo8e mar'i% I It i a" o 6%ow% a Mort'a'e Loa%;

Mode o$ Pa0me%tH A$ter t!e w!o"e a%a"0 i 4 t!e $i%a" co%c"u io% i t!at more t!a% A+O o$ t!e app"ica%t repa0 t!e "oa% t!rou'! P&C ; Propert0 Mort'a'edH App"ica%t ca% mort'a'ed a%0 $ree propert0 w!ic! t!e0 ow%; #ree propert0 i%c"ude H I Re ide%tia" ) commercia" a%d %o%-commercia"/ I Commercia" A%0 ot!er "oa% ta6e% $or t!e ame propert0H Out o$ amp"e iEe 2+4 mo t"0 !a8e %ot app"ied $or a%0 ot!er "oa% imu"ta%eou "0 but t!rou'! Credit I%$ormatio% (ureau o$ )I%dia/ "imited )CI(IL/ a%d &E&3P record !ow t!at at time o$ app"0i%' $or HL cu tomer it e"$ ta6e a c!ec6 t!at t!e0 !a8e a"read0 repaid t!eir due o$ ot!er "oa% ; Pre$erred ba%6 $or Home Loa% H Accordi%' to t!e ur8e0 t!rou'! Cue tio%%aire !ow t!at ICICI (a%6 Ltd; i t!e mo t pre$erred ba%6 but t!i i becau e Cue tio%%aire !a8e bee% $i""ed b0 t!e app"ica%t app"0i%' i% ICICI; Ot!erwi e4 H&#C i eco%d mar6et "eader i% Home Loa% ; Loa% $rom a%0 ot!er ba%6H Out o$ amp"e iEe o$ 2+ cu tomer mo t"0 !a8e %ot app"ied i% a%0 ot!er ba%6 but ome %umber o$ app"ica%t are cu tomer o$ a%0 ot!er ba%6; Source o$ i%$ormatio% $or t!e 8ariou !ome "oa% p"a% H #eature "au%c!ed b0 t!e ba%6 i% di$$ere%t p"a% o$ HL i out ourced t!rou'! &irect Sa"e a'e%t a%d a'e%cie ; A%d e8e% ome cu tomer or ca% a0 'e%era" pub"ic pre$er ba%6 a t!e mo t re"ucta%t ource o$ a8ai"i%' i%$ormatio%; FFO o$ t!e app"ica%t i% amp"e iEe are ati $ied b0 t!e er8ice pro8ided b0 ICICI (a%6 Ltd;

.+>

S3MMAR= AN& CONCL3SIONH

T!e report made o% ICICI Home Loa% co%c"ude b0 $i%di%' o$ 8ariou be%e$it to t!e cu tomer4 'o8er%me%t4 bui"der a%d H#C D (a%6 ; T!ere i a 'rowi%' te%de%c0 o$ i%8e ti%' at a 0ou%'er a'e4 i%crea e i% NRI dema%d i% rea" e tate4 i%crea ed urba%iEatio%4 ow%i%' propert0 %ow more eco%omica" t!a% re%ti%'; 1o8er%me%t committed to imp"i$0i%' Mort'a'ed (ac6ed SecuritiEatio% a%d Reco% tructio% o$ #i%a%cia" A et a%d E%$orceme%t o$ Securit0 I%tere t )SAR#AESI/ Act *++*; T!ere i ta7 be%e$it to t!e cu tomer a%d ratio%a"iEatio% o$ tamp dut0; (ui"der are %ow a da0 $ocu i%' o% e%d u er rat!er t!a% I%8e tor a%d t!ere i impro8eme%t i% Cua"it0 o$ co% tructio% ; T!e $i%a" outcome o$ t!e report 'i8e t!e $o""owi%' dataH J3NE *++, #ILES LO1IN .++) I t &i bur eme%t/ #ILES CLEAR 2A ) I t &i bur eme%t/

2F ) Sub &i bur eme%t/ >* ) #i%a" &i bur eme%t/ *A ) Sub &i bur eme%t/ 2B ) #i%a" &i bur eme%t/

T!e 'rap! be"ow !ow t!e mar6et "eader !ip o$ ICICI a compared to H&#C a%d S(I; Mar6et "eader !ip
Sa%ctio% )i% R ;Crore/
:++++ *>+++ *++++ .>+++ .++++ >+++ + *++2 *++> *++A *++B ICICI H&#C S(I

*++>

*++A

*++B

*++,

.+A

Mar6et "eader !ip

&i bur eme%t )i% R ;Crore/
*++++ .,+++ .A+++ .2+++ .*+++ .++++ ,+++ A+++ 2+++ *+++ +

ICICI H&#C S(I

*++2

*++>

*++A

*++B

*++>

*++A

*++B

*++,

Mar6et !are o$ ICICI =ear *++: 9 +2H *>+++ crore =ear *++2 9 +>H 2.+++ crore =ear *++> 9 +AH >:+++ crore =ear *++A 9 +BH A>+++ crore =ear *++B 9 +,H ,>+++ crore ) projected/

Mar6et S!are
S(I OTHER PS( LIC *++A OTHER H#C #( P8t (6 H&#C ICICI Sta%C!art

*++B

*++,

*++B
*++>

*++A
*++2

*++>+O

>+O

.++O

Citi

.+B

.+,

(ib"io'rap!0H
I Pa%de0 I;M;4 #i%a%cia" Ma%a'eme%t I C!a%dra P;4 #i%a%cia" Ma%a'eme%t I <!a% L Jai%4 #i%a%cia" Ma%a'eme%t I N;S!ara%4 #i%a%cia" I% titutio% L Ser8ice I I%ductio% pro'ram boo6 o$ ICICI (a%6 Ltd; I www;ICICI(a%6;com I www;!ome"oa% ;com

.+F