CAS Retail Transactions

APPLICATION PROCESSING SYSTEM
User Manual
Version 3.2
Document Code: I099418UM_APS Personal
 2004 Nucleus Software Exports Ltd. All rights reserved
No part of this document may be reproduced or transmitted in any form or by any means, electronic or
otherwise, including photocopying, reprinting, or recording, for any purpose, without the express written
permission of Nucleus Software Exports Ltd.
DISCLAIMER
Information in this document is subject to change without notice and should not be construed as a
commitment on the part of Nucleus Software Exports. Nucleus Software Exports does not assume any
responsibility or make any warranty against errors that may appear in this document and disclaims any
implied warranty of merchantability or fitness for a particular purpose.
TRADEMARKS
The names of all other company, brand, product or service names mentioned herein are the trademarks
or registered trademarks of their respective owners.
Document Code: I099418UM_APS Personal

First Release: September 23, 2004
Nucleus Software Exports Limited

A-39, Sector 62
Noida -201307,
India.
Tel: +91-120-2403964
Fax: +91-120-2403972
E-mail: bdg@nucleussoftware.com
Visit us at: http://www.nucleussoftware.com
WARNING
This document is not for retail sale.
Contents
27. ADDING NEW APPLICATION.................................................................. 1

27.1 Adding New Application for Individual Applicant .............................. 1
27.1.2 Filling in QDE Details............................................................................. 5
27.1.3 Filling in DDE Details ........................................................................... 13
27.2 Adding New Application for Corporate Applicant .............................23
27.3 Adding a Co-Applicant................................................................27
27.3.1 Adding an Individual Co-Applicant ....................................................... 28
27.3.2 Adding Contact Details of Co-Applicant ............................................... 32
27.3.3 Adding a Corporate Co-Applicant ........................................................ 32
27.4 Adding a Guarantor ...................................................................39
27.4.1 Adding an Individual Guarantor ........................................................... 39
27.4.2 Adding a Corporate Guarantor............................................................. 43
28 COMPLETING DETAILS OF APPLICATIONS ............................................ 45

28.1 Completing QDE Details .............................................................45
28.2 Completing DDE Details .............................................................47
29 CONTROLLING DATA ENTRY QUALITY .................................................. 48

29.1 Controlling Quality after QDE ......................................................48
29.2 Controlling Quality after DDE ......................................................49
30 UPDATING APPLICATION DETAILS ....................................................... 51
31 VERIFYING APPLICANT DETAILS .......................................................... 52

31.1 Initiating CPV Process ................................................................52
31.2 Verifying Contact Point Details ....................................................54
31.2.1 Verifying Business Details ................................................................... 54
31.2.2 Verifying Residence Details ................................................................. 59
31.2.3 Verifying Office Details on Phone ........................................................ 63
31.2.4 Verifying Residence Details on Phone................................................. 66
31.3 Verifying Appraiser’s Report on CPV .............................................69
31.4 Using Quick Dedupe ..................................................................70
32 COLLECTING DOCUMENTS .................................................................... 72

32.1 Adding Document Collection Details .............................................72
32.2 Viewing Document Collection Details ............................................73
32.3 Initiation RIC Check...................................................................74
33 APPRAISING AN APPLICATION ............................................................ 76

33.1 Underwriting a Loan ..................................................................76
© Nucleus Software Page i

Application Processing System User Manual, V 3.2
33.2 Reviewing Loan Approval............................................................80
33.2.1 Ratifying Loan Approval....................................................................... 80
33.2.2 Reviewing Rate Approval..................................................................... 81
33.3 Reviewing Loan Rejection ...........................................................82
33.3.1 Confirming / Revoking Loan Rejection................................................. 83
33.3.2 Generating Rejection Letter ................................................................. 84
33.4 Cancelling Loan.........................................................................85
33.5 Reviewing Loan Cancellation .......................................................87
34 MANAGING POST- APPROVAL TASKS .................................................... 88

34.1 Viewing Approved Loans.............................................................88
34.2 Entering Post-Approval Details ....................................................89
34.2.1 Collecting Post-Approval Documents................................................... 89
34.2.2 Entering Loan Details .......................................................................... 91
34.2.3 Entering Fee and Charges Details ....................................................... 93
34.2.4 Entering Additional Disbursement Details ............................................ 94
34.2.5 Entering Initial Deposit Details ............................................................. 98
35 INITIATING LOAN DISBURSEMENT .................................................... 101

35.1 Generating letter/ Initiating loan disbursement ............................ 101
36 MAINTAINING POST-DISBURSAL DETAILS ......................................... 103

36.1 Collecting RC Documents.......................................................... 103
36.2 Reviewing Deferred Document Details ........................................ 103
37 PROVIDING CUSTOMER SUPPORT ...................................................... 105

37.1 Enquiring Status of Application .................................................. 105
© Nucleus Software Page ii

PERSONAL LOANS
27
Adding New Application
When an individual or corporate customer contacts you to apply for a loan, you need to add the
applicant’s details to the system. This starts the APS process for the application. APS also allows
you to update details of an existing applicant, whenever required.
You can enter the applicant’s details into the system using the New Application screen. APS
allows you to save the application even if you haven’t filled all details of the applicant. You can
enter these details later with the help of the QDE and DDE screens. In case, the application has
crossed both QDE and DDE stages and now you want to add some details, you can do so with
the help of the INCOMP_QDE screen and INCOMP_DDE screen.
APS provides separate forms for individual and corporate applicants.
27.1 Adding New Application for Individual Applicant

An individual applicant can request for a loan for any of the specified products in the Personal
Loan category. To add a new application to the system, you need to enter details in the Sourcing
screen, after which you can navigate to the New Application screen. The New Application screen
allows you to enter only the basic details of the applicant, which include the personal details and
address details. You can enter these details while adding the new application, or can do so later,
with the help of the QDE and DDE screens. The QDE and DDE screens also help you to add
other details of the applicant.
27.1.1 Adding Basic Details of Individual Applicant

The first step of APS processing is adding the applicant’s details to the system. You can enter
this information in the New Application screen. After you save these details, the system
generates a unique identification number for the application, termed as Application Id, which can
be used to track the application at any stage.
Enter the contact details of the new individual applicant so that the bank has the information on
how to contact the applicant or send statements by fax, post, or email. The address details also
help to verify the applicant’s credentials. Address Details are added in the New Application
screen.
To add basic details of an individual applicant:
1. Click on Retail Intray Personal Loan New Application.

The Sourcing screen is displayed.
© Nucleus Software Page 1

Figure 27-1: The Sourcing screen for Individual Applicant

2. Enter details in all the fields, as described in the following table.
Field Description Mandatory/

Optional
Date of Receipt Enter the date on which the application was received from the M
customer.
Date Encoded Displays the date (in dd/mm/yyyy format). O
(dd/mm/yyyy)
Bank Branch Code Enter the code of the bank branch where the loan application O
was added. You can also select it from the LoV.
Bank Branch Displays the name of the selected bank branch. O
Source Code Enter the code from where the bank received the application. M
You can also select if from the LoV.
Referral Group Select the Referral Group for the application. The options are: O
• Broker
• Dealer
• Developer.
Referror Code Enter the code of the person who has referred the O
application. You can also select the code from the LoV.
Account Officer Enter the code of the account officer dealing with the O
Code application. You can also select the code from the LoV.
Account Office The name of the account office dealing with the application is O
Name displayed.
Loan Scheme
Product Select the product for which the loan is applied. M
Scheme Group For the selected product, select the scheme group under M
which the loan is applied. The valued displayed in the
dropdown menu is based on the product selected by you.
Source State Select the name of the State where the loan application is O
added
Scheme From the dropdown menu, select the scheme under which M
the loan is applied. Only those schemes are displayed which
are related to the product selected by the applicant.
Promotion Select the promotion scheme, if any, applicable to the loan O
application. If you have selected a scheme, the promotion
field will display only the related promotions. However, you

can directly select a promotion for the product subscribed by
the applicant. In that case, the scheme field will get auto
populated with the related scheme.
Channel Code Select the channel from where the applicant learnt about the O
loan scheme. The dropdown menu displays the values as
specified in the APS master
Relationship From the LoV, select the name of the relationship manager O
Manager dealing with the applicant.
DSA From the LoV, select the name of the direct selling agent M
dealing with the applicant
DME Enter the name of the DSA’s executive dealing with the client O
3. Click Save And Proceed.

The New Application screen is displayed.
Figure 27-2: The New Application screen for Individual Applicant

Mandatory (M)/
Field Description
Optional (O)
Personal
First Name Enter the first name of the applicant. M
Middle Name Enter the middle name of the applicant. O
Last Name Enter the last name of the applicant. O

Applicant Type Select the type of the applicant from the dropdown list. O
Relation Indicates the relation with the primary applicant. The O
only option here is Self:
TIN No. Enter the tax identification number of the applicant. O
Citizenship Select the citizenship of the customer. O
Title Displays the courtesy title applicable for the customer. O
Car Ownership Select whether the customer owns car or it has been O
mortgaged.
No of Cars Enter the number of cars owned by the applicant. O
Bank Relationship Select the Bank Relationship of the applicant. It O
represents the kind of services and products the
customer is using from the bank. The options are:
• Back to Back
• Business Loan
• Credit Card
• Deposit
• Housing Loan
• Personal Loan
• Trade Finance
Initials Displays the initials of the applicant. O
Gender Specify the gender of the applicant. Select Male of M
Female from the dropdown list.
Date of Birth Enter the date of birth of the applicant in the M
dd/mm/yyyy format. Or, click on the calendar icon on
the right and select the date.
Category Select the category of the customer from the dropdown O
list. The options are:
• HNW
• General
• Others
Constitution Select from the dropdown menu if the applicant is M
salaried, self-employed or falls in any other category.
Loan Amount Enter the amount of loan requested. M
Tenure in Months Enter the period in months for which loan is requested. M
Address Details
Address Type Select from the dropdown menu if the applicant has M
given details of his current residence.
Residence Type From the dropdown menu, select the type of residence O
of the applicant. The options are:
• Company Provided
• Mortgaged
• Owned
• Rented
Address One Enter the first line of the address. M
Address Two Enter the second line of the address. O
Address Three Enter the third line of the address. O
Village Enter the name of the village of the applicant.
Country Select the country from the dropdown list. The list M
displays only those countries as specified in the APS
Master. The default option is India.
State Enter the name of State or click on the LoV button to M
search for the State name. The LoV contains names of
the States as specified in the APS Masters. You

cannot enter a name not maintained in the master.
District Enter the name of district or click on the LoV button to O
search for the district name. The LoV contains names
of the districts, as specified in the APS Masters. You
cannot enter a name not maintained in the Master.
City Enter the name of city or click on the LoV button to O
search for the city name. The LoV contains city names
as specified in the APS Masters. You cannot enter a
name not maintained in the master.
Pin Code Enter the pin code or click on the LoV button to search O
for the required value. The LoV contains only those
values as specified in the APS Master. However, APS
allows you to enter a pin code not maintained in the
master.
STD Code Enter the STD code of the applicant’s phone number. M
Phone 1 Enter the phone number (mail line) where the applicant M
can be contacted.
Extension Enter the extension number of the applicants O
telephone, if applicable
Phone 2 Enter the second phone number (mail line) where the O
applicant can be contacted
Mobile Enter the mobile phone number of the applicant.
Email Enter the email id of the customer where mails can be O
sent to the applicant.
Fax Enter the fax number of the customer where messages O
can be faxed to the applicant.
Pager Enter the pager number of the customer where O
messages can be paged to the applicant.
Landmark Enter if there is any landmark near the applicant’s O
residence
Years at Current Enter years (Yr.) and month (Mth.) for which the O
address applicant is living at the current address.
Mailing Address Select Yes or No to specify if the applicant wants bank O
to post statements/notices to the given address. The
default option is No.
One of the addresses of the applicant -- residence
or employment – has to be selected as the mailing
address. If neither is selected, APS displays an error
message.
Years at City Enter years (Yr.) and month (Mth.) for which the O
applicant is living in the mentioned city.
5. Click on Save .
The system adds the details of the new application and generates a unique Application Id.
After saving the details of the applicant when you click Change Stage, the system displays the
following message: Press OK to add another Applicant else press Cancel. Click
OK to add another applicant and click Cancel to validate the entries made.
27.1.2 Filling in QDE Details

The data of the applicant required for processing the loan request can be classified in two
categories. These are: Quick Data and Detail Data. You need provide details under both these
categories to initiate the process of loan disbursement to the applicant.

Quick data comprises basic details of the applicant, such as personal details, address details,
work details and income and liability details. You can enter the personal details and address
details of the applicant as soon as you create a new application, or you can save the application
and enter these later along with other Quick Data. To enter the quick data of the applicant, you
need to navigate to the QDE screen of the corresponding application and click the required tab.
You can add the following information with the help of the QDE screen:
1. Basic details of the applicant (for details on adding basic information refer to section 5.1.1.1
Adding Basic Details of Individual Applicant)
2. Work details of the applicant

3. Income and liability details of the applicant
4. Loan information of the applicant
5. Information regarding documents that are to be collected from the applicant
YouApplication
can add the basic details of the applicant at the same time without closing the New
screen, or later, separately. Click on the Save button after adding details in the
form. When you save the form after entering the basic details, a unique Id is generated for
the application. You can use this Id to search the application and enter remaining details.
27.1.2.1 Adding Work Details of the Individual Applicant
You can enter work details of the applicant in the Quick Data Entry screen. Work details help the
bank check the credentials and repayment capability of the applicant.
To add work details of the individual applicant:
1. Click on Retail Intray Personal Loan Quick Data Entry.

The QDE search screen is displayed.
2. Use the search criteria and select the application Id for which you want to enter the work
details.
The QDE screen is displayed for the selected Application Id.
3. Click the Applicant link.
The name of the applicant is displayed.
4. Click the name of the applicant.
The Personal screen is displayed.
5. Click on the Work Details link.
The Work Details form is displayed.

Figure 27-3: The Work Details screen

Mandatory (M)/
Field Description
Optional (O)
Employment Details
Nature of From the dropdown menu, select the nature of business in O
Business which the applicant is employed.
Employment From the dropdown menu, select whether the applicant is O
Status working on contract, is a regular employee or on probation.
Year in Present Enter years (Yr.) and month (Mth.) for which the applicant has O
Job been in the present job.
Year in Previous Enter years (Yr.) and month (Mth.) the applicant had O
Job completed in the previous job.
Employer Name Select the name of the applicant’s employer from the M
dropdown list. Only those companies are listed which are
specified in the Employer Master.
Others Click on the check box if the company’s name is not O
displayed in the dropdown list and enter the name in the text-
box.
Employment Select if the applicant is salaried, or temporary. The default O
Type option is Salaried.
Designation Select the designation of the applicant from the dropdown list. O
The list displays all the designations specified in the
Employment master.
Business Details
Nature of From the dropdown menu, select the nature of business of O
Business the applicant.
Business Name Enter the name of business in which the applicant is involved. O
Length of Enter the duration for which the applicant is involved in this O
Business business
Address Details
Address Type Select whether the address of the applicant is of office or M
residence.

Residence Enter the type of residence of the applicant. The options are: O
Type • Company Provided
• Mortgaged
• Owned
• Rented
Address One Enter the first line of the address M
Address Two Enter the second line of the address O
Address Three Enter the third line of the address O
Village Enter the name of the village O
Country Select the country from the dropdown list. The list displays M
only those countries as specified in the Country Master. The
default option is India.
State Enter the name of city or click on the LoV button to search for M
the city name. The LoV contains city names as specified in
the City Master. You cannot enter a name not maintained in
the master.
District Enter the name of district or click on the LoV button to search O
for the city name. The LoV contains city names as specified
in the City Master. You cannot enter a name not maintained
in the master
City Enter the name of city or click on the LoV button to search for O
the city name. The LoV contains city names as specified in
the City Master. You cannot enter a name not maintained in
the master
Pin Code Enter the pin code or click on the LoV button to search for the O
required value. The LoV contains only those values as
specified in the Pin Code Master. However, APS allows you
to enter a pin code not maintained in the master.
Phone 1 Enter the phone number (mail line) where the applicant can M
be contacted.
Extension Enter the extension number of the applicants telephone, if O
applicable
Email Enter the official email id of the applicant where e-mails can O
be sent.
Fax Enter the fax number of the applicant where messages can O
be faxed.
Pager Enter the pager number of the applicant. O
Landmark Enter if there is any landmark near the applicant’s office. O
Years at Current Enter years (Yr.) and month (Mth.) for which the applicant is O
Employment working at the current office.
Mailing Address Select Yes or No to specify if the applicant wants bank to post O
statements/notices to the given address. The default option
is No.
Oneresidence
of the addresses of the applicant --
or employment – has to be
selected as the mailing address. If
neither is selected, APS displays an
error message.
Years at City Enter years (Yr.) and month (Mth.) for which the applicant is O
living in the mentioned city.

7. Click on Save .
APS saves the applicant’s details and links these to the selected Application Id.
27.1.2.2 Adding Income/Liability Details of Individual Applicant
You can enter income/liability details of the applicant in the Quick Data Entry screen. The Income/
liability details help the bank check the total income of the applicant and the liabilities the
applicant has. This helps the bank judge the repayment capability of the applicant.
To add income/liability details of the individual applicant:

2. Use the search criteria and select the application Id for which you want to enter the
income/liability details.
3. Click the Applicant link.

The name of the applicant is displayed.
4. Click the name of the applicant.

The Personal screen is displayed.
5. Click on the Income/Liability link.

The Income/Liability form is displayed.
Figure 27-4: The Income/Liability screen

6. Enter details in Income section, as described in the following table.
Field Description Mandatory(M)/

Optional (O)
Head Select the category of the income component from the O
dropdown list. The options are: Salary, Rent, Bonus,

Commission, Agricultural, or as displayed in the dropdown
list.
Frequency Select the frequency at which the applicant receives this O
income. The options are annually, bi-annually, monthly,
weekly, daily
Amount Enter the amount of income in Rupees O
Percentage Enter the percentage of this component as compared to the O
total income
Net Amount Enter the total income in Rupees O
Income Source From the dropdown menu, select the source of income of O
the applicant.
7. Click on Add .
APS saves the record and displays it as a row in the grid below these entry fields.
Repeat Steps 2 and 3, if the applicant has income from more than one source.
8. Enter details in the Customer Liability section, if the applicant is already repaying another
loan.

Optional (O)
Financier Name Enter the name of the financier or bank who has given the M
earlier loan
Type of Loan Select the type of the existing loan. O
(Product)
Loan Amount Enter the amount of the existing loan O
EMI Amount Enter the amount of the EMI the applicant is paying M
# of EMIs Enter the total number of EMIs to repay the existing loan O
# of EMIs for Enter the number of EMIs that are to be paid O
Obligation
#of EMIs Paid Enter the number of EMIs already paid O
Balance Tenure Enter the remaining period of the loan in months O
# of Bounces Enter the number of times that the applicant’s cheques have O
bounced
Consider for Select the checkbox if the loan is to be considered for O
Obligations obligations. Not all loans may be considered
Principal Enter the principal outstanding amount after M
Outstanding
Obligations to Enter the obligation amount to be deducted O
be Deducted
Loan Closure Enter the date on which the loan repayment of the applicant O
Date will end.
(dd/mm/yyyy)
9. Click on Add .
Repeat Steps 4 and 5, if the applicant is repaying more than one loan.
10. Enter details in the Income section, as described in the following table.
Optional (O)
Total Income Displays the total monthly income of the applicant in -

Rupees. APS uses the data entered in the Income section
of this screen.
Total obligation Displays the total obligations amount in Rupees the -
applicant is paying very month. APS uses the data entered
in the Liability section of this screen.
Gross Monthly Displays the gross monthly income of the applicant in -
income Rupees
Net Amount Displays the net income amount of the applicant in Rupees. -
The net income amount is obtained by deducting the total
obligations from the total income.
11. Click on Save .

The income and liability records of the applicant are added to the system.
27.1.2.3 Adding Loan Details of Individual Applicant
You need to enter details of the loan amount and period for which loan is applied. These details
can be entered in the Quick Data Entry screen. Adding loan details helps in calculating the
repayment amount and the tenure in which the applicant will be able to pay back the entire
amount to the bank.
To add loan details of individual applicant:

2. Use the search criteria and select the application Id for which you want to enter the loan
details.
3. Click the Loan Info link.
The Loan Details screen is displayed.
Figure 27-5: The Loan Details screen

4. Enter details in all the feilds, as described in the following table.

Optional (O)
Loan Amount Enter the amount of loan that the applicant wants to take O
from the bank.
Type of Loan From the dropdown menu, select whether the loan is for O
business purposes or is a personal loan.
Loan Purpose From the dropdown menu, select the purpose for which the O
applicant is taking the loan.
Term Enter the term for which the applicant is taking the loan. O
Policy Type From the dropdown menu, select the type of policy under O
which the loan has been applied.
Add on Rate Enter the add-on rate for the loan O
Monthly Enter the monthly interest rate for the loan. O
Amortization
5. Click on Save .
The loan details of the applicant are added to the system.
27.1.2.4 Adding Document Collection Details
You can enter details of the documents that need to be collected from the applicant with the help
of the QDE screen. It also helps you specify which of these documents are mandatory for
initiating the process of loan disbursal to the applicant and which are optional.
To add documents collection details:

2. Use the search criteria and select the application Id for which you want to enter the document
collection details.
3. Click the Document Collection link.

The Document Collection screen is displayed for the selected Application Id.
Figure 27-6: The Document Collection screen

Field Description Mandatory (M)/

Optional (O)
Document Select the document that is required to be collected from M
the applicant. The dropdown list displays all the documents
that may be required. Different type of documents may be
required for the applicants, depending upon their loan
requirements and details
Original Select the checkbox if the selected document is required in O
original
Status Select the status of the document collection. The status M
can be completed (for the document submitted by the
applicant) and pending (for the document that is required
but has not been submitted)
Received Date Enter the date when the required document was received M
by the bank. Date should be entered in dd/mm/yyyy format.
Reason Select the reason for the document requirement. The O
dropdown list displays the pre-defined reasons as per the
bank’s requirements. These may be proof of income and
taxes, proof of age, and house ownership.
Validity Date Enter the date up to which the document submitted by the M
applicant is valid
Remarks Enter remarks, if any O
RIC Reqd. Select the check box if RIC is required. A popup screen for O
initiating RIC is displayed. Enter or select the following
details and click on Save and Close :
• RIC Date: Enter the date in dd/mm/yyyy format
when the check was done
• RIC Name: Select the name of the agency who
has done the RIC check
• Status: Select the result of the check, if it is
negative, positive, could not be verified,
or as applicable
• Remarks: Enter additional remarks, if any
5. Click on Add.
The system saves the details and a row is added to the grid above the entry screens, showing
details of all the documents collected or to be collected for the selected Application Id.
27.1.3 Filling in DDE Details

Detail Data Entry screen allows you to enter all the details that you can do with the QDE screen.
In addition, you can also enter some other details of the applicant, such as the collateral details,
trade-in details, rate/risk details and reference details.
The DDE screens allow you to add information that you missed out when the application was in
the Quick Data Entry stage. You can search the respective application and fill in the required
details in the DDE screens.
You can add the following information with the help of the DDE screen:
1. Demographic Details
2. Asset Details
3. Loan Details

4. Collateral Details
5. Loan information
6. Trade-in Details
7. Rate/Risk Details
8. Reference Details
9. MIS Details
27.1.3.1 Adding Demographic Details
The demographic details of the applicant include the personal details, address details, work
details, income/liability details, financial details and current asset details. The DDE screen allows
you to fill in all these details of the applicant. In case you have filled in some of these details in the
QDE screen, these will be displayed when you open the corresponding application. You can fill in
the other details, or modify the details entered in the QDE screen.
The Demographic Details link helps you record the following information of the applicant:
1. Personal Details
2. Address Details
3. Work Details
4. Income/Liability Details
5. Financial Details
6. Current Asset Details
Forsection
adding personal details, address details, work details, and income/liability details, refer to
5.1.2 Error! Reference source not found.
Adding Financial Details
Before approving any loan, the bank needs to evaluate the financial status of the applicant. You
can enter the bank and credit card details of the applicant using the Detail Data Entry option.
To add financial details of applicant:
1. Click on Retail Intray Personal Loan Detail Data Entry.

The DDE search screen is displayed.
2. Use the search criteria and select the application Id for which you want to enter the financial
details.
The DDE screen is displayed for the selected Application Id.
3. Click the Demographic link.
The Personal Details screen for the selected applicant is displayed.
4. Click on the Financial Detail Link.
The Financial Detail screen is displayed

Figure 27-7: The Financial Detail screen

5. Enter data in the Bank Detail section, as described in the following table.

Optional (O)
Bank Name Select the name of the bank where the applicant has an M
account. The dropdown list shows names of all the
applicable banks
Bank Branch Enter the name of the branch of the bank where the M
applicant has the account
Account Type Select the type of account the applicant holds. The options O
in the dropdown list are: Savings Account and Current
Account
Account Number Enter the number of the applicant’s account M
No. of Years Held Enter the number of years for which the account is held by O
the applicant
No. of Inward Enter the number of times cheques have been returned O
Cheque Returns from the account
Minimum Balance Enter the minimum amount that was held in the account at O
any time
Maximum Balance Enter the maximum amount that was held in the account at O
any time
Average Balance Enter the average amount maintained in the account O
Remarks Enter the remarks, if any O
6. Click on Add .
If the applicant has account in more than one bank, repeat Steps 2 and 3 for each.
7. If the applicant has a credit card, enter the details in the Credit Card Detail section, as
described in the following table.

Optional (O)
Card Number Enter the credit card number of the applicant M

Issuer Name Select the name of the issuing bank from the dropdown list M
Card Type Select the type of the credit card from the dropdown list O
Member Since Enter the date in mm/yyyy format since when the applicant O
is a member of the card
Card Expiry Enter the expiry date of the card in mm/yyyy format O
Card Limit Enter the limit of the credit card O
Outstanding Enter the outstanding balance on the card of the applicant O
Balance
Add Ons Enter the number of add-on cards on the applicant’s credit O
card
Remark Enter remarks, if any O
8. Click on Add .
The system saves the data and uses it to help in underwriting the loan.
9. If the applicant has any fixed deposit, enter its details in the FD Detail section, as described
in the following table.
Field Description Mandatory M)/

Optional (O)
Account Number Enter the account number of the applicant. M
Amount Enter the amount held as fixed deposit. M
Rate Enter the rate of interest for the FD M
Maturity Date Enter the date on which the FD will mature. M
10. Click on Add .

The system saves the data and uses it to help in underwriting the loan.
Adding Current Asset Details
The bank needs to have a description of the assets owned by the applicant so that it can evaluate
the financial position of the applicant. You can enter these details using the Detail Data Entry
screen.
To add the current assets details of applicant:
1. On The Personal Details screen for the applicant, click on Current Assets.
The Current Assets screen is displayed.

Figure 27-8: The Current Assets screen


Optional (O)
Asset Type Displays the type of the asset -
Asset Description Enter the description of the asset owned by the applicant O
Asset Number Enter the number of such products possessed by the O
applicant
Asset Value Enter the total value of the type assets O
Location Enter the location from where the asset is being purchased O
Size/Brand Enter the size and brand of the asset. O
3. Click on Save .
The system saves this information and uses it to help in underwriting the loan.
27.1.3.2 Adding Collateral Details for Individual Applicant
Collateral details need to be added for a loan to ensure additional security. This option of APS is
used to capture details of the cross-collaterals security, or the security that is shared by any other
loan. If the customer has given loaned assets as additional security to the bank for another loan,
the APS will lock this customer from foreclosure of the loan. However, the system will have the
option to remove the asset from the hypothecated lot (in case it has to be foreclosed) and
hypothecate some other asset to the bank (in case the earlier asset for additional security gets
damaged).
Collateral details need to be added only when an additional security is added to the loan.
To add collateral details for the individual applicant:

The Detail Data Entry screen is displayed, showing a list of all the Application Ids in APS and
their details.
2. Use the search criteria or select the application Id for which you want to add collateral details,
and click on the Application Id link.
The Sourcing screen is displayed, showing details of the selected Application Id.
3. Click on the Collateral link

The Collateral screen is displayed.
Figure 27-9: The Collateral screen

4. Enter details in the following fields, as described in the following table.

Optional
Collateral Select the category of the collateral asset from the dropdown O
Category list. The dropdown list displays the options specified in the
APS Masters.
Collateral Type Select the type of the collateral asset from the dropdown list. M
The dropdown list displays the options specified in the APS
Masters.
Collateral Enter a brief description of the collateral asset O
Description
Collateral Value Enter the value of the collateral asset in Rupees O
Collateral Lien Select the applicable collateral lien title from the dropdown list. O
Title The dropdown list displays the options specified in the APS
Masters.
Collateral Cross Select the Collateral Cross from the dropdown list, which O
displays the options specified in the APS Masters.
Collateral Select the Collateral Lodgement from the dropdown list, which O
Lodgement displays the options specified in the APS Masters.
Collateral Select the Collateral Insurance from the dropdown list, which O
Insurance displays the options specified in the APS Masters.
4. Click on Add .
The details are saved in the system and displayed in the grid below the Cross Collateral
section.
Youeachcanproduct.
enter details of more than one collateral product, if required. Repeat steps 4 and 5 for
A new row is added to the grid for each product detail. When you select the
required collateral asset, its details are displayed in the entry fields.

Adding Insurance Details

For the Collateral assets, which are insured (and you have selected Yes for
the Collateral Insurance field), you need to enter their insurance details.
1. After adding collateral details, click on the collateral asset in the grid for
which you want to enter insurance details. The details are displayed in
the entry fields and the Insurance Details button gets enabled.
2. Click on Insurance Details.
The Insurance Details screen is displayed.
The Insurance Details screen

3. Enter details like the type of the insurance, name of the insurance
company, and the policy taken, name of the agent, coverage type and
premium details.
4. Click on Add.
The details are displayed in the grid below the entry fields. If the asset
has been insured with more than one policy, repeat steps 3 and 4 for
each policy. APS adds a new row in the grid for each policy.
If you have chosen Yes for the Collateral Cross of assets, the Cross Collateral section is
enabled.

Optional (O)
Application ID Displays the Application ID for which cross collateral is -
being added
Cross Application Enter the Application ID of the collateral asset. If the M
ID collateral asset loan is linked to the same bank, you can
click on the LoV to find the required Application ID.
Agreement Type Displays the type of agreement signed for the collateral -
cross
Done on Enter the date on which the agreement was finalised O
6. Click on Add .
The details are saved in the system, and displayed in a grid below the entry fields.
If there is more than one cross application, repeat steps 6 and 7 for each Id. A new row is
added to the grid for each Id detail.

Adding Trade-in Details for Individual Applicant
Trade-in details need to be added for a loan if the applicant is trading an owned vehicle for buying
a new asset. This option of APS is used to capture details of the trade-in vehicle and its
evaluation information.
The Trade-in section is there on the Collateral screen.
Trade-in details need to be added only when the applicant is trading an owned asset to buy
the new asset.
To add trade-in details for the individual applicant:

their details.
2. Use the search criteria or select the application Id for which you want to add trade-in details,
3. Click on the Collateral link.

4. Enter the following details in the Trade In Detail section.

Optional (O)
Asset Type Select the type of the trade-in asset from the dropdown list M
Model Select the model of the trade-in vehicle. The dropdown list M
displays all the applicable models for the selected asset type
Sub Model Select the sub model of the trade-in vehicle. The dropdown M
list displays all the applicable sub-models for the selected
model of the vehicle
Year Purchased Enter the year when the trade-in vehicle was purchased O
Registration Enter the registration number of the trade-in vehicle O
Number
VIN Enter the Valued in Amount of the asset O
Mileage Enter the kilometres the vehicles has run O
Nature of Select the nature of ownership, such as self, spouse, or any O
Ownership other option as displayed in the dropdown list.
Hypothecation/ Select whether Hypothecation or lien O
Lien
Valuation1 Enter the amount in Rupees of the first evaluation of the O
trade-in vehicle
Valuation2 Enter the amount in Rupees of the second evaluation of the O
trade-in vehicle
Final Valuation Enter the final valuation amount in Rupees of the trade-in O
vehicle
Trade in Insured Select Yes or No to indicate if the trade-in vehicle is insured O
Comments Enter additional comments or remarks on the trade-in vehicle M
5. Click on Add .
The details are saved in the system and displayed in a grid below the entry fields.

If there is more than one collateral product to be evaluated, repeat steps 8 and 9 for each. A
new row is added to the grid for each product.
For the trade-in assets, which are insured (and you have selected Yes for the Trade In Insured
field), you need to enter their insurance details. For details see Adding Insurance Details
Adding Rate/Risk Details for Individual Applicant
The Rate/Risk Details section facilitates the user to define the exact contribution for the risk or
rate.
The Rate/Risk Details section is there on the Collateral screen.
To add rate/risk details for the individual applicant:

their details.
2. Use the search criteria or select the application Id for which you want to add rate/risk details,
3. Click on the Collateral link.

4. Enter the following details in the Risk/Rate section.

Optional (O)
BP Type Select the business partner type from the dropdown list. M
The business partner can be DMA, Dealer, Supplier, or
as mentioned in an earlier stage of loan processing.
Consortium Type Select the type of consortium from the dropdown list. The O
options are Rate, Risk and FLG.
Lessor name Enter or select the name of the lessor or business M
partner from the LoV.
Contribution Rate Enter the rate of contribution the business partner O
towards risk
Contribution Displays the amount of the contribution in Rupees. APS O
Amount calculates this from the rate entered in the previous field
Commission Rate Enter the rate of commission to be paid to the business O
partner
5. Click on Save .
The details are added to the system for processing.
27.1.3.3 Entering Reference Details of an Applicant
Reference details need to be entered into the system once the loan has been approved.
Reference is a person who acts as an additional verification on the applicant for ensuring timely
loan repayment. You can enter as many references as required by your institution.
To enter reference details:


The Detail Data Entry screen is displayed, showing a list of all the Application Ids in APS, and
their details.
2. Use the search criteria or select the application Id for which you want to enter reference
details, and click on the Application Id link.
The Sourcing screen is displayed for the selected application Id.
3. Click on the References Link.
The References screen is displayed for the selected application Id.
Figure 27-10: The Reference screen


Optional (O)
Reference Name Enter the name of the reference, as provided by the M
applicant
Reference Select the relation of the applicant with the reference. M
Relation The dropdown list displays options specified in the APS
Masters, as per bank’s requirements.
search for the city name. The LoV contains city names
as specified in the APS Master. You cannot enter a
name not maintained in the Master.
Address1 Enter the first line of the reference’s contact address O
Phone1 Enter the phone number where the reference can be M
contacted
Address2 Enter the second line of the reference’s contact address. O
This is part of the Address field
Phone 2 Enter an alternate phone number, or office phone O
number, where the referenced person can be contacted
Address3 Enter the third line of the reference’s contact address. O
Office Extension Enter the extension number, if any, of the reference’s O
Number office telephone
Address 4 Enter the fourth line of the reference’s contact address. O
Mobile Enter the cell phone number of the reference O
Address 5 Enter the fifth line of the reference’s contact address.

Zip Code Enter the zip code of the reference
Phone Area Code Enter the phone area codeof the reference
5. Click on Add .
The system saves the details and displays these in a grid below the entry fields.
Toeach
enter details of another reference, repeat steps 4 and 5. A new row is added to the grid for
reference.
27.1.3.4 Adding MIS Details
To enter MIS details:

their details.
2. Use the search criteria or select the application Id for which you want to use reject review,
The Sourcing screen is displayed for the selected application Id.
3. Click on the MIS Details Link.
The MIS Details screen is displayed for the selected application Id.
Figure 27-11: The MIS Details screen


Optional (O)
File Number Enter the file number. O
Rebate Flag Select the rebate flag for the file. M
HFI Flag Mark this check box if you want to activate HFI flag. O
Bank From the dropdown menu, select the name of the bank. O
Branch From the dropdown menu, select the branch of the bank. O
27.2 Adding New Application for Corporate Applicant

A corporate applicant can request for a loan for any of the specified products in the Personal loan
category. The New Application screen allows you to enter the details of the applicant and the
requested loan.

To create a new application for a corporate applicant:
1. Click on Retail Intray Personal Loan New Application.

The Sourcing screen is displayed.
Figure 27-12: The Sourcing screen


Optional
Date of Receipt Enter the date on which the application was received from the M
customer.
Date Encoded Displays the encoded date (in dd/mm/yyyy format) O
(dd/mm/yyyy)
Bank Branch Code Enter the code of the bank branch where the loan application O
was added. You can also select it from the LoV.
Bank Branch Displays the name of the selected bank branch. O
Source Code Enter the code from where the bank received the application. M
You can also select if from the LoV.
Referral Group Select the Referral Group for the application. The options are: O
• Broker
• Dealer
• Developer.
Referror Code Enter the code of the person who has referred the O
application.You can also select the code from the LoV.
Account Officer Enter the code of the account officer dealing with the O
Code application. You can also select the code from the LoV.
Account Office The name of the account office dealing with the application is O
Name displayed.
Loan Scheme
Product Select the product for which the loan is applied. M
Scheme Group For the selected product, select the scheme group under M
which the loan is applied. The valued displayed in the
dropdown menu is based on the product selected by you.
Source State Select the name of the State where the loan application is O
added
Scheme From the dropdown menu, select the scheme under which M

the loan is applied. Only those schemes are displayed which
are related to the product selected by the applicant.
Promotion Select the promotion scheme, if any, applicable to the loan O
application. If you have selected a scheme, the promotion
field will display only the related promotions. However, you
can directly select a promotion for the product subscribed by
the applicant. In that case, the scheme field will get auto
populated with the related scheme.
Channel Code Select the channel from where the applicant learnt about the O
loan scheme. The dropdown menu displays the values as
specified in the APS master
Relationship From the LoV, select the name of the relationship manager O
Manager dealing with the applicant.
DSA From the LoV, select the name of the direct selling agent M
dealing with the applicant
DME Enter the name of the DSA’s executive dealing with the client O
3. Click Save And Proceed.

The New Application screen is displayed, showing the form for Individual applicant by default.
4. Select the Corporate option.
The New Application screen displays the form for corporate applicant.
Figure 27-13: The New Application screen for Corporate Applicant

Mandatory (M)/
Field Description
Optional (O
Personal

Company Name Enter the name of the company applying for loan M
Constitution Select if the applicant company is a private limited M
company, public limited, proprietorship, or any other option
as displayed in the dropdown menu
Category Select the category to which the applicant belongs. The
options are:
• HNW
• HRP
• LARGE FLEET OPERATOR
• NORMAL
• REFERRED
Loan Amount Enter the amount of the loan requested M
Tenure in Enter the period in months for which loan is requested M
Months
Contact Person Enter the name of the employee of the person authorized O
to deal with the bank.
Applicant Type From the dropdown menu, select the type of the applicant. O
The default option is Primary.
Nature of Select the nature of business of the applicant. The options O
Business are:
• Manufacturing
• Services
• Trading
Length of Enter the duration for which the corporate applicant has O
Business been in the business.
Sec Registration Enter the secondary registration number of the corporate O
No. applicant.
SSS/GSIS Enter the SSS/GSIS code of the corporate applicant. O
Paid-up Capital Enter the paid-up capital of the company of the applicant. O
Authorized Enter the authorized capital of the company of the O
Capital applicant.
TINNo. Enter the Tax Identification Number of the applicant. O
Industry Select the industry of the applicant. O
Classification
Date Enter the date on which the industry was established. You O
Established can also select the date from the calendar.
Job Title From the dropdown menu, select the job title of the
applicant.
Address Details
Address Type From the dropdown menu, select the type of address M
provided by the applicant.
Residence Type From the dropdown menu, select the type of residence of O
the applicant. The options are:
• Company Provided
• Mortgaged
• Owned
• Rented
Address One Enter the first line of the address. M
Address Two Enter the second line of the address. O
Address Three Enter the third line of the address. O
Village Enter the name of the village to which the applicant
belongs.
Country Select the country from the dropdown list. The list displays M

only those countries as specified in the APS Master. The
default option is India.
State Enter the name of State or click on the LoV button to M
search for the State name. The LoV contains names of the
States as specified in the APS Masters. You cannot enter a
name not maintained in the master.
District Enter the name of district or click on the LoV button to O
search for the district name. The LoV contains names of
the districts, as specified in the APS Masters. You cannot
enter a name not maintained in the Master.
City Enter the name of city or click on the LoV button to search O
for the city name. The LoV contains city names as specified
in the APS Masters. You cannot enter a name not
maintained in the master.
Pin Code Enter the pin code or click on the LoV button to search for O
the required value. The LoV contains only those values as
specified in the APS Master. However, APS allows you to
enter a pin code not maintained in the master.
Phone 1 Enter the phone number (mail line) where the applicant can M
be contacted.
Extension Enter the extension number of the applicants telephone, if O
applicable
Email Enter the email id of the customer where mails can be sent O
to the applicant.
Fax Enter the fax number of the customer where messages can O
be faxed to the applicant.
Pager Enter the pager number of the customer where messages O
can be paged to the applicant.
Landmark Enter if there is any landmark near the applicant’s O
residence
Years at Current Enter years (Yr.) and month (Mth.) for which the applicant O
address is living at the current address.
Mailing Address Select Yes or No to specify if the applicant wants bank to O
post statements/notices to the given address. The default
option is No.
One of the addresses of the applicant -- residence or
employment – has to be selected as the mailing address. If
neither is selected, APS displays an error message.
Years at City Enter years (Yr.) and month (Mth.) for which the applicant O
is living in the mentioned city.
6. Click on Save.
Save
APS saves the details and displays the following message at the top of the screen:
Data saved successfully.
27.3 Adding a Co-Applicant

Two or more applicants can jointly apply for a loan. However, they must be related to each other.
One of them has to be a primary applicant (whose details will be considered for the loan) while
others will be co-applicants The APS allows you to add one or more co-applicants to an

application. You can add a co-applicant only after adding details of the primary applicant. The co-
applicant can either be an individual or a company.
To add a co-applicant to an application Id, you need to add the co-applicant’s personal details.
Other mandatory details, such as the co-applicant’s contact information, income/liability details,
financial details, current assets details and any miscellaneous information can be added later.
27.3.1 Adding an Individual Co-Applicant

The individual co-applicant is added to an Application Id when you enter and save the personal
details of the co-applicant in APS. You also need to add the following details of the co-applicant:
• Contact Details
• Work Details
• Income/Liability Details
• Financial Details
• Current Asset Details
• Loan Details
• Collateral Details
• MIS Details
• References Details
You can add these details in any of the following ways:
a. After adding personal details, click on the corresponding links (on the toolbar that
appears on top of the Personal Details screen) to add the co-applicant’s records.
b. Enter and save personal details of the applicant and close the screen. The other details
can be added later. APS saves the co-applicant’s details and displays the name in the
Demographic screen. Click on the required co-applicant’s name to add other details.
To add an individual co-applicant:

their details.
2. Use the search criteria or select the application Id for which you want to add a co-applicant,
The Sourcing screen is displayed for the selected Application Id, showing details of the
selected Application Id.
3. Click on Demographic.
The Demographic screen is displayed, showing the name of the applicant. If a co-applicant is
already added to the application Id, the list displays names of all the applicants associated
with the Application Id. The first name is that of the primary applicant.
4. Click on Individual below the list: (under Add New Applicant.)
The Personal Details screen is displayed.

Figure 27-14: The Personal Details screen for Co-Applicant


Optional (O)
Personal Details
Applicant Type Select the type of applicant as Co-Applicant. The other M
option in the dropdown list is Guarantor.
Relation Select the relationship of the co-applicant with the primary O
applicant. is displayed. The co-applicant must be related
to the primary applicant.
First Name Enter the first name of the co-applicant M
Middle Name Enter the Middle name of the co-applicant O
Last Name Enter the last name of the co-applicant O
Title Select the title of the co-applicant. M
Alias Name Enter the other name of the co-applicant. O
Last School Enter the school last attended by the co-applicant. O
Attended
Degree Enter the degree last earned by the co-applicant. O
University Enter the name of the university from where the co- O
applicant earned the degree entered above.
Employee Enter the department in which the co-applicant is working O
Department
Rank Select the rank of the co-applicant. O
Salutation Displays the salutation for the co-applicant. APS picks up M
the salutation from the name and title of the co-applicant

entered by you
Gender Select Male of Female from the dropdown list to indicate M
the gender of the co-applicant
Date of Birth Enter the date of birth of the co-applicant in the M
dd/mm/yyyy format. Or, click on the calendar icon on the
right and select the date
Customer Select the category of the customer from the dropdown O
Category list. The options are:
• HNW
• General
• Others
Constitution Select the type of constitution from the dropdown list to O
indicate if the co-applicant is salaried, self-employed,
temporarily employed or any other option, specified by the
System Administrator in the APS Masters
Product Displays the name of the product type under which loan is -
applied. This is captured from the primary applicant’s
details in APS
Asset Category Displays the category of the vehicle for which loan is -
details in APS
Asset Make Displays the make of the vehicle for which loan is applied. -
This is captured from the primary applicant’s details in
APS
Asset Model Displays the model of the vehicle for which loan is -
details in APS
Loan Amount Displays the amount in Rupees of the loan applied. This -
is captured from the Applicant’s details in APS
Tenure Displays the period in months for which loan is applied. -
APS
DSA Displays the name of the Direct Sales Agency, if the loan -
application has been forwarded by an external agency.
APS
DME Displays the name of the Direct Marketing Executive of -
the agency who has forwarded the loan application. This
is captured from the primary applicant’s details in APS
Marital Status Select if the co-applicant is married or single M
No. of Enter the number of co-applicant’s dependents M
Dependant(s)
Other Refrence Enter another reference number for the co-applicant.
Number
Bank Relationship Select the Bank Relationship of the co-applicant. It
represents the kind of services and products the customer
is using from the bank. The options are:
• Back to Back
• Business Loan
• Credit Card
• Deposit
• Housing Loan
• Personal Loan
Trade Finance
Initials Displays the initials for the co-applicant..
CIF Number Enter the CIF number of the co-applicant.

Number of Cars Enter the number of cars owned by the co-applicant.

Car Ownership Select if the co-applicant owns the car or it has been
mortgaged.
Father Name Enter the name of the co-applicant’s father O
Mother Maiden Enter the maiden name of the co-applicant’s mother. This O
Name may serve as an identifier to provide additional services to
the co-applicant later
Religion Select the religion of the co-applicant from the dropdown O
list
Whether Resident Select Yes or No to indicate if the co-applicant is a O
resident of India
Nationality Select the nationality of the co-applicant from the O
dropdown list
Educational Select the educational qualification of the co-applicant M
Qualification from the dropdown list
Professional Select the professional qualification of the co-applicant M
Qualification from the dropdown list
Qualifying Year Enter the year when the co-applicant completed the O
professional qualification course
Passport No. Enter the passport number of the co-applicant O
Request Loan Enter the loan amount requested by the co-applicant O
Amount
PAN A/C No. Enter the PAN account number of the co-applicant O
Minor Select the checkbox in case the co-applicant is a minor O
Guardian Enter the name of the guardian in case the co-applicant is O
a minor. If the guardian is a customer of the bank, you
can click on the LoV to find the guardian’s name.
Category Select the category to which the co-applicant belongs O
from the dropdown list.
Living Standard
Residence Type Select the type of residence where the co-applicant lives. O
The options in the dropdown list are: Owned, Paying
Guest, Rental, With Friends, With Relatives, or as
specified in the APS Masters.
Rent Per Month In case of a rented residence, enter the amount in O
Rupees of the monthly rent paid by the co-applicant. This
field box is enabled only if the residence type is rental or
paying guest.
6. Click on Save .
7. APS saves the data and adds the co-applicant to the selected Application Id. The following
message is displayed on top of the screen:
You can change these details or add the optional information later. To get the co-applicant’s
personal details screen, click on the co-applicant’s name on the Demographic screen. Make the
changes or add details and click on the Update button.
After saving the details of the co-applicant when you click Change Stage, the system displays
the following message: Press OK to add another Applicant else press Cancel. Click OK to
add another co-applicant and click Cancel to validate the entries made.

27.3.1.1 Adding Details of Individual Co-Applicant
You need to enter details of the individual co-applicant so that the bank can judge the co-
applicant on various parameters before sanctioning the loan. To enter these details you need to
search the application and click the name of the individual co-applicant whose details you want to
enter and on the Personal screen of the co-applicant, click the respective tab for entering the
details.
The details you need to enter for the co-applicant are:
1. Contact Detail (for field-level details refer to Adding Basic Details of Individual Applicant)
2. Work Detail (for field-level details refer to Adding Work Details of Individual Applicant)
3. Income/Liability Detail (for field-level details refer to Adding Income/Liability Details of
Individual Applicant)
4. Financial Detail (for field-level details refer to Adding Financial Details)
5. Current Asset Detail (for field-level details refer to Adding Current Asset Details)
6. Loan Details (for field-level details refer to Adding Loan Details of Individual Applicant)
7. Collateral Details (for field-level details refer to Adding Collateral Details for Individual
Applicant)
8. MIS Details (for field-level details refer to Adding MIS Details)
9. References (for field-level details refer to Adding Reference Details of Individual Applicant)
27.3.2 Adding Corporate Co-Applicant

The co-applicant permits you to enter a Corporate as co-applicant.
To add a corporate as co-applicant:
1. Click on Intray Personal Loans Detail Data Entry.

their details.
2. Use the search criteria or select the application Id for which you want to add a co-applicant,
The Sourcing screen is displayed for the selected Application Id.
The Demographic screen is displayed, showing the name of the applicant. If a co-applicant is
4. Click on Corporate below the list. (under Add New Applicant.)
The Corporate Personal screen is displayed.

Figure 27-15: The Corporate screen

Field Description Mandatory (M)

/Optional (O)
Applicant Select Co-Applicant as the applicant type from the M
Type dropdown list. The other option is Guarantor
Company Enter the name of the company to be added as the co- M
Name applicant
Region Select the region of the country where the company is O
located and operating. The dropdown list displays the
following options -- East, West, North, South, and Central
Constitution Select the constitution of the company. The dropdown list M
shows options like, partnership, proprietorship, private
limited, public limited, trust, or any other as specified in the
APS Masters
Group Select the group of the company from the pre-defined O
options in the dropdown list, as specified in the APS
Masters
Category Select the category or sector of the company – Pharma, O
Engineering, Law, or any other option, as specified in the
APS Master
Industry Select the industry to which the company belongs – IT, M
Medicine, Agriculture, Banking, Finance, or any other
option, as specified in the APS Master
Incorporation Enter the date in dd/mm/yyyy format when the company M
Date was incorporated. You can also use the Calendar icon to
select the date
Registration Enter the registration number of the corporate co-applicant. O
No
Contact Enter the name of the person in the company who can be M
Person contacted for completing the loan processing
Designation Enter the designation of the contact person O
Turnover Enter the turnover of the corporate co-applicant. O
Bank/Entity Select either option box to indicate if the bank or other O
entity

Local Co / Select either option box to indicate if the company is local O

Foreign Co or foreign-based
6. Click on Save .
APS saves the records of the co-applicant and displays the following message on top of the
corporate screen:
The system also displays another horizontal navigation bar to enter address and financial
rating details of the company.
After saving the details of the corporate co-applicant when you click Change Stage, the
system displays the following message: Press OK to add another Applicant else press
Cancel. Click OK to add another corporate co-applicant and click Cancel to validate the entries
made.
27.3.2.1 Adding Address Details of Corporate Co-Applicant
To add address details of corporate co-applicant:
1. On the Corporate screen, click on the Address link.

The Address screen is displayed
Figure 27-16: The Address screen for Corporate Co-Applicant


Optional (O)
Address Type Select the type of applicant as Co-Applicant. The other M
option in the dropdown list is Guarantor
Residence Select the type of residence of the corporate co-
Type applicant.
Address One Enter the first line of the address of the co-applicant M
company
Address Two Enter the second line of the address of the company O
Address Enter the third line of the address of the company O

Three
Village Enter the name of the village of the co-applicant O
company. This is part of the address.
search for the city name. The LoV displays names of the
cities as specified in the APS Masters. You cannot enter
a name not maintained in the Master
District Enter the name of district or click on LoV button to O
search for the required district. The LoV displays names
of the districts as specified in the APS Master. You
cannot enter a name not maintained in the Master
State Enter the name of State or click on the LoV button to O
search for the required State. The LoV contains names
of the states as specified in the APS Master. You cannot
enter a name not maintained in the master
Country Select the country from the dropdown list. The list O
displays only those countries as specified in the APS
Masters. The default option is India.
Pin Code Enter the pin code for the company address, or click on O
the LoV button to search for the required value. The LoV
contains only those values as specified in the APS
Master. However, LOS allows you to enter a pin code not
maintained in the master
STD Code Enter the STD code of the co-applicant company’s phone M
number
Phone 1 Enter the phone number that can be used to contact the M
company
Extension Enter the extension number of the given telephone O
number, if any
Phone 2 Enter the second phone number where the co-applicant O
company can be contacted
Mobile Enter the mobile phone number of the contact person of
the company
Email Enter the email id of the company where mails can be O
sent
Fax Enter the fax number of the company where messages O
can be faxed
Pager Enter the pager number of the company where O
messages can be paged
Landmark Enter if there is any landmark near the applicant O
company
Years at Enter years (Yr.) and month (Mth.) for which the O
Current company is located at the current address
address
Mailing Select Yes or No to specify if the applicant wants the O
Address bank/NBFC to post statements/notices at the given
address.
Years at City Enter the number of years (Yr.) and month (Mth.) for O
which the company is located in the mentioned city
Inactive Select this checkbox to deactivate an address, if required
later
3. Click on Add .
The system saves the details and displays the following message at the top of the screen:

The entered address details are displayed in a grid below the entry fields.
You can enter more than one address type for each co-applicant. Repeat steps 1–3. A new
row is added to the grid for each address type.
27.3.2.2 Adding Business/Financial Rating of Corporate Co-Applicant

Evaluation business and financial ratings of the co-applicant company helps the loan-disbursing
agency (bank or NBFC) in assessing the financial standing of the company and find if there is any
risk factor involved in approving the company’s loan application.
To add business/financial ratings of a corporate co-applicant:
1. On the Corporate screen for the selecetd co-applicant, click on the Business/Financial
Rating link.
The Business/Financial Rating screen is displayed
Figure 27-17: The Business/Financial Rating screen for Corporate Co-Applicant

The screen is divided into five parts. You can enter details in all or any of these parts, as
applicable. APS provides Add, Update, Delete and Clear buttons below each section to save,
update or delete data for that particular section.
2. In the Company Business field, enter a description of the business in which the company is
involved. Enter details, like when did the company start, what has been the growth trends,
and what are its areas of interest. You can enter a maximum of 3000 characters. A small text
box below this field displays the number of the characters left.
3. Click on Save .
The system saves the details and displays the message at the top of the the screen: Data
saved successfully.
4. Enter financial details of the company in the following fields, as described in the following
table.

Optional (O)
Financial Data Enter the financial data type for which you want to M
add details, or select the value from LoV.
Year Enter the financial year for which you are adding M
details, or click on the LoV icon to select the year.
Amount Enter the amount in Rupees for the specified M
financial data for the specified year
Remarks Enter additional remarks, if any O
5. Click on Add .
saved successfully.
The entered data details are displayed in a grid below the entry fields.
You can enter details of more than one financial data for each co-applicant. Repeat steps 4
and 5 for each data. A new row is added to the grid for each data type.
6. Enter the bank details of the company in the Bank Details section, as described in the
following table.

Optional (O)
Bank Name Select the name of the bank from the dropdown list in M
which the co-applicant holds an account. You can
click on the LoV icon to find the name of the bank
Bank Branch Enter the name of the branch of the bank where the M
co-applicant holds an account
Account type Select the type of the account held by the co- O
applicant. The dropdown list displays two options:
Savings Account and Current Account
Account Number Enter the account number of the co-applicant M
company
No. of Years Held Enter the number of years for which the account has O
been held by the company
No. of Cheque Enter the number of cheques of the company returned O
returns by the bank
Minimum Balance Enter the minimum balance ever held in the account O
Maximum Balance Enter the maximum balance ever held in the account O

Average Balance Enter the average balance normally held in the O

account
Remarks Enter additional remarks, if any O
7. Click on Add .
saved successfully.
The entered bank details are displayed in a grid below the entry fields.
You can enter details of more than one account, if applicable. Repeat steps 6 and 7 for each
account. A new row is added to the grid for each account detail.
8. If the company holds any Fixed Deposits, enter details in the FD Details section. If it holds
more than one FD, enter the details for one FD at a time, as described in the following table.
/Optional (O)
Account Number Enter the FD number held by the company O
Amount Enter the amount of the FD O
Rate Enter the rate at which the FD is earning interest O
Maturity Date Enter date dd/mm/yyyy format when the FD will be O
matured. You can also click on the Calendar icon to
find the required date
9. Click on Add .
The system saves the data and displays the details in a grid below the section.
If the company holds more than one FD, repeat steps 8 and 9 till done. The system adds a
new row for each FD.
10. If the company has any financial liability, or is repaying any loan to a financial institution,
enter details of such obligations in the Customer Liability.
If the company has more than one loan, enter details for one loan at a time, as described in
the following table.
/Optional (O)
Financier Name Enter the name of the financer, bank or NBFC from M
where the company has taken a loan
Type of Loan Select the type of loan from the dropdown list. O
(Product)
Loan Amount Enter the amount of the existing loan O
EMI Amount Enter the EMI amount the company is paying to repay M
the loan
# of EMIs Enter the total number of EMIs to be paid by the O
company to repay the loan
# of EMIs for Enter the number of EMIs that still need to be paid to O
Obligation repay the loan
# of EMIs paid Enter the number of EMIs already paid O
Balance Tenure Enter the remaining months of the loan period O
# of Bounces Enter the number of times the company’s EMI cheques O
were bounced
Consider for Select the checkbox if the loan is to be considered for O
Obligations obligations. Not all loans may be considered

Principal Enter the obligation amount to be deducted M

Outstanding
Obligations to be Enter the principal outstanding amount after O
Deducted
Loan Closure Date From the dropdown menu, Select the date on which the O
loan will be closed.
11. Click on Add .

The system saves the data and displays the details in a grid below the section.
If the company has more than one loan to repay, repeat steps 10 and 11 till done. The system
adds a new row for each loan.
27.4 Adding a Guarantor

Two or more applicants can jointly apply for a loan. However, they must be related to each other.
One of them has to be a primary applicant (whose details will be considered for the loan) while
the others will be guarantors. The APS allows you to add one or more guarantors to an
application. You can add a guarantor only after adding details of the primary applicant. The
guarantor can either be an individual or a company.
For adding a guarantor to the required application Id, you need to add the guarantor’s personal
details. Other mandatory details, such as the guarantor’s contact information, income/liability
details, financial details, current assets details and any miscellaneous information can be added
later.
27.4.1 Adding an Individual Guarantor

The individual guarantor is added to an Application Id when you enter and save the personal
details of the guarantor in APS. You also need to add the following details of the guarantor:
• Contact details
• Income/Liability details
• Financial details
• Current Asset details
• Miscellaneous details
You can add these details in any of the following ways:
a. After adding personal details, click on the corresponding links (on the toolbar that
appears on top of the Personal Details screen) to add the guarantor’s records.
b. Enter and save personal details of the applicant and close the screen. The other details
can be added later. APS saves the guarantor’s details and displays the name in the
Demographic screen. Click of the required guarantor’s name to add other details.
To add an individual guarantor:

their details.
2. Use the search criteria or select the application Id for which you want to add a guarantor, and
click on the Application Id link.

The Sourcing screen is displayed for the selected Application Id, showing details of the
selected Application Id.
The Demographic screen is displayed, showing the name of the applicant. If a guarantor is
4. Click on Individual below the list (under Add New Applicant.).
The Personal Details screen is displayed.
Figure 27-18: The Personal Details screen for Guarantor


Optional (O)
Personal Details
Applicant Type Select the type of applicant as Guarantor. The other M
option in the dropdown list is Co-Applicant.
Relation Select the relationship of the guarantor with the primary O
applicant. is displayed. The guarantor must be related to
the primary applicant.
First Name Enter the first name of the guarantor M
Middle Name Enter the Middle name of the guarantor O
Last Name Enter the last name of the guarantor O
Title Select the title of the guarantor. M
Alias Name Enter the other name of the guarantor. O

Last School Enter the school last attended by the guarantor. O

Attended
Degree Enter the degree last earned by the guarantor. O
University Enter the name of the university from where the guarantor O
earned the degree entered above.
Employee Enter the department in which the guarantor is working O
Department
Rank Select the rank of the guarantor. O
Salutation Displays the salutation for the guarantor. APS picks up M
the salutation from the name and title of the guarantor
entered by you
Gender Select Male of Female from the dropdown list to indicate M
the gender of the guarantor
Date of Birth Enter the date of birth of the guarantor in the dd/mm/yyyy M
format. Or, click on the calendar icon on the right and
select the date
Customer Select the category of the customer from the dropdown O
Category list. The options are:
• HNW
• General
• Others
Constitution Select the type of constitution from the dropdown list to O
indicate if the guarantor is salaried, self-employed,
temporarily employed or any other option, specified by the
System Administrator in the APS Masters
Product Displays the name of the product type under which loan is -
details in APS
Asset Category Displays the category of the vehicle for which loan is -
details in APS
Asset Make Displays the make of the vehicle for which loan is applied. -
APS
Asset Model Displays the model of the vehicle for which loan is -
details in APS
Loan Amount Displays the amount in Rupees of the loan applied. This -
is captured from the Applicant’s details in APS
Tenure in Months Displays the period in months for which loan is applied. -
APS
DSA Displays the name of the Direct Sales Agency, if the loan -
application has been forwarded by an external agency.
APS
DME Displays the name of the Direct Marketing Executive of -
the agency who has forwarded the loan application. This
is captured from the primary applicant’s details in APS
Marital Status Select if the guarantor is married or single M
No. of Enter the number of guarantor’s dependents M
Dependant(s)
Other Refrence Enter another reference number for the guarantor.
Number
Bank Relationship Select the Bank Relationship of the guarantor. It
represents the kind of services and products the customer

is using from the bank. The options are:
• Back to Back
• Business Loan
• Credit Card
• Deposit
• Housing Loan
• Personal Loan
Trade Finance
Initials Displays the initials for the guarantor..
CIF Number Enter the CIF number of the guarantor.
Number of Cars Enter the number of cars owned by the guarantor.
Car Ownership Select if the guarantor owns the car or it has been
mortgaged.
Father Name Enter the name of the guarantor’s father O
Mother Maiden Enter the maiden name of the guarantor’s mother. This O
Name may serve as an identifier to provide additional services to
the guarantor later
Religion Select the religion of the guarantor from the dropdown list O
Whether Resident Select Yes or No to indicate if the guarantor is a resident O
of India
Nationality Select the nationality of the guarantor from the dropdown O
list
Educational Select the educational qualification of the guarantor from M
Qualification the dropdown list
Professional Select the professional qualification of the guarantor from M
Qualification the dropdown list
Qualifying Year Enter the year when the guarantor completed the O
professional qualification course
Passport No. Enter the passport number of the guarantor O
Requested Loan Enter the loan amount requested.
Amount
PAN A/C No. Enter the PAN account number of the guarantor O
Minor Select the checkbox in case the guarantor is a minor O
Guardian Enter the name of the guardian in case the guarantor is a O
minor. If the guardian is a customer of the bank, you an
find the name of the guarding by clicking on the LoV
Category Select the category to which the guarantor belongs from O
the dropdown list.
Living Standard
Residence Type Select the type of residence where the guarantor lives. O
The options in the dropdown list are: Owned, Paying
Guest, Rental, With Friends, With Relatives, or as
specified in the APS Masters.
Rent Per Month In case of a rented residence, enter the amount in O
Rupees of the monthly rent paid by the guarantor. This
field box is enabled only if the residence type is rental or
paying guest.
6. Click on Save .
7. APS saves the data and adds the guarantor to the selected Application Id. The following
message is displayed on top of the screen:

You can change these details or add the optional information later. To get the guarantor’s
personal details screen, click on the guarantor’s name on the Demographic screen. Make the
changes or add details and click on Update .
After saving the details of the guarantor when you click Change Stage, the system displays
the following message: Press OK to add another Applicant else press Cancel. Click OK to
add another guarantor and click Cancel to validate the entries made.
27.4.1.1 Adding Details of Individual Guarantor
You need to enter details of the guarantor so that the bank can judge the guarantor on various
parameters before sanctioning the loan. To enter these details you need to click the respective
tab on the Personal screen of the guarantor.
The details you need to enter for the co-applicant are:
1. Contact Detail (for field-level details refer to Adding Basic Details of Individual Applicant)
2. Work Detail (for field-level details refer to Adding Work Details of Individual Applicant)
3. Income/Liability Detail (for field-level details refer to Adding Income/Liability Details of
Individual Applicant)
4. Financial Detail (for field-level details refer to Adding Financial Details)
5. Current Asset Detail (for field-level details refer to Adding Current Asset Details)
6. Loan Details (for field-level details refer to Adding Loan Details of Individual Applicant)
7. Collateral Details (for field-level details refer to Adding Collateral Details for Individual
Applicant)
8. MIS Details (for field-level details refer to Adding MIS Details)
9. References (for field-level details refer to Adding Reference Details of Individual Applicant)
27.4.2 Adding a Corporate Guarantor

The guarantor permits you to enter a Corporate as guarantor.
To add a corporate as guarantor:

their details.
2. Use the search criteria or select the application Id for which you want to add a guarantor, and
The Sourcing screen is displayed for the selected Application Id.
The Demographic screen is displayed, showing the name of the applicant. If a guarantor is
4. Click on Corporate below the list. (under Add New Applicant.)

The Corporate Personal screen is displayed. (For details refer to Adding Corporate Co-
Applicant)
27.4.2.1 Adding Address Details of Corporate Guarantor

You need to add the address details of the corporate guarantor so that the bank can contact the
corporate guarantor if and when needed.
To add address details of corporate guarantor:
1. On the Corporate screen, click on the Address link.

The Address screen is displayed. (For details refer to Adding Address Details of Corporate
Co-Applicant)
27.4.2.2 Adding Business/Financial Rating of Corporate Guarantor

Evaluation business and financial ratings of the guarantor company helps the loan-disbursing
agency (bank or NBFC) in assessing the financial standing of the company and find if there is any
risk factor involved in approving the company’s loan application.
To add business/financial ratings of a corporate guarantor:
1. On th Corporate screen is displayed for the selecetd guarantor, click on the

Business/Financial Rating link.
The Business/Financial Rating screen is displayed. (For details refer to Adding Business
Financial Rating of Corporate Co-Applicant)

28
Completing Details of Applications
APS allows you to save an application even without filling up all details. The incomplete
application gets queued up in a separate screen, from where you can trace it and complete it as
and when required. The application, which is incomplete in respect of the Quick Data Entry
details, gets saved in the Incomplete Queue for QDE screen, while applications in which detail
data entries are not complete get queued up in the Incomplete Queue for DDE screen.
28.1 Completing QDE Details

You can complete the Quick Data Entries of individual and corporate applicants with the help of
the INCOMP_QDE screen. The details that you can complete include:
• Personal details of the applicant
• Address details of the applicant
• Work details of the applicant
• Income and Liability details of the applicant
To complete QDE details:
1. Click on Retail Intray Personal Loan Incomplete Queue for QDE.

The Incomplete Queue for QDE Search screen is displayed.
Figure 28-1: The Incomplete Queue for QDE Search screen

2. Enter or select details in one or more fields as described in the following table:

Field Description
Appl Id Enter the identification number of the application you are searching.
Customer Enter the name of the customer, whose application you are searching.
Signed Enter the date (in dd/mm/yyyy format) on which the application you are
searching was signed. You can also select the date.
Product From the dropdown menu, select the product related to the application
you are searching.
Phone Enter the phone number of the customer, whose application you are
searching.
You need not fill up details in all the search fields. However, filling up all the fields narrows
down your search.
3. Click Search.
The applications matching with the search criteria specified by you are displayed below the
search fields.
Figure 28-2: The Incomplete Queue for QDE Search screen (with results)
4. Click the Appl Id of the incomplete application whose details you want to complete.
The INCOMP_QDE screen is displayed.
Figure 28-3: The INCOMP_QDE screen

5. Complete the QDE details of the individual or corporate applicant, as required. You can
complete the following details:
• Personal Details
• Address Details
• Work Details

• Income and Liability Details
6. Click Save.
The data is saved
28.2 Completing DDE Details

You can complete the Detail Data Entries of individual and corporate applicants with the help of
the INCOMP_DDE screen. The details that you can complete include:
• Demographic details of the applicant
• Asset details of the applicant
• Loan details of the applicant
• Collateral details of the applicant
• Trade-in details of the applicant
• Rate/Risk details of the applicant
• Reference details of the applicant
To complete DDE details:
1. Click on Retail Intray Personal Loan Incomplete Queue for DDE.

The Incomplete Queue for QDE Search screen is displayed. Enter the search criteria and
click the application Id of the application whose details you want to complete.
The INCOMP_QDE screen is displayed.
2. Complete the DDE details of the individual or corporate applicant, as required. You can
complete the following details:
3. Click Save.
The data is saved.

29
Controlling Data Entry Quality
APS allows you to keep a check on the quality of work done by the data entry people. It helps you
know if the entries made by the concerned persons are correct or not and what is the extent of
error committed by them. To do this, the application is queued up for quality control after both
quick data entry and detail data entry. The persons assigned to check the correctness of the
application open it and tallies the entries made with that in the hard copy of the application (which
was filled up in the presence of the applicant). All the fields in which wrong entries were made are
corrected and the application is saved.
All fields of the application are not editable in the QC stage. Rather only the critical fields are kept
editable.
29.1 Controlling Quality after QDE

The applications, which are complete in respect of quick data entry, such as the basic details,
employment details, and income/liability details of individual and corporate applicants, get queued
up for QDE Quality Control. These applications are compared with the original form to check the
errors committed and the fields having wrong entries are corrected.
To control quality after QDE:
1. Click on Retail Intray Personal Loan Quick Data Entry Quality Check.
The Quick Data Entry Quality Check Search screen is displayed.
1. Enter the search criteria and click the application Id of the application whose QC details you
want to enter.
The QDEQC screen is displayed.
Figure 29-1: The Quick Data Entry Quality Check Search screen (with results)
2. Click the Appl Id of the application whose QC details are to be entered.
The QDEQC screen is displayed.

Figure 29-2: The QDEQC screen

3. Enter details in all blank QC fields. You can fill in the following QDE details:
• Personal details of the applicant
• Address details of the applicant
• Work details of the applicant
• Income and Liability details of the applicant
4. Click Save.
The modified application is saved
29.2 Controlling Quality after DDE

The applications, which are complete in respect of detail data entry, such as the asset detail, loan
detail, collateral detail, trade-in detail, rate/risk detail and reference detail of individual and
corporate applicants, get queued up for DDE Quality Control. These applications are compared
with the original form to check the errors committed and the fields having wrong entries are
corrected.
To control quality after DDE:
1. Click on Retail Intray Personal Loan Detail Data Entry Quality Check.
The Detail Data Entry Quality Check Search screen is displayed.
2. Enter the search criteria and click the application Id of the application whose QC details you
want to enter.
The DDEQC screen is displayed.

Figure 29-3: The DDEQC screen

3. Enter details in all blank QC fields. You can fill in the following DDE details:
4. Click Save.
The modified application is saved.

30
Updating Application Details
APS allows you to view and update the details of the loan applications already added to the
system. You can search and find the required application from the search screen, and then make
the required changes. APS maintains separate forms for individual and corporate applicants.
The New Application and Detail Data Entry screens allow you to update the personal and
employment details of the primary applicant, guarantor, guarantor, and details of the requested
loan. You can search for the required application on the basis of the application Id, customer
name, date on which application was created, product or scheme.
To update details of an individual application:

The Detail Data Entry screen is displayed, showing a list of all the loan applications in the
system and their details, arranged by Application Id.
2. To find the application you want to update, do one of the following:

a. Scroll down the list of the applications (if you know the Application Id) and double-click on
the required Application Id.
b. Enter one or more of the following search criteria and click on Search
Search :
• Application Id: Enter the Application Id or the initial few digits.
• Customer: Enter the name of the applicant or the initial few letters.
• Signed: Enter the date (in dd/mm/yyyy format) on which the application was entered
into the system.
• Product: Select the name of the project for which loan is requested.
• Scheme: Select the scheme under which loan has been applied.
The Sourcing screen for the Application Id that matches the search criteria is displayed.
If more than one application match the given search criteria, a list of all such application Ids is
displayed, from where you can select the required application.
3. Click on the link where you want to update details of the applicant.
The corresponding form is displayed.
4. Add or modify data as required and click Update .
The updated data is saved in the APS.

Formatted: Bullets and Numbering
31
Verifying Applicant Details
The bank verifies the contact point details of all the loan applicants. The address details that are
entered into the system are handed over to the to Field Investigation (FI) agencies. These
agencies initiate field investigation for all the allocated cases and maintain a record of the
comments related to each case.
31.1 Initiating CPV Process

After the applicant details are recorded into the system, these need to be verified. An external
field investigation agency completes the task for the bank. However, you need to refer to the
agency the cases that need to be verified. This can be done using the CPV menu option.
To refer an application for verification:
1. Click on Retail Intray Personal Loan FI Activities FI Initiation.

The FI Initiation screen is displayed, showing a list of all the Application Ids that need to be
referred to CPV. The screen also displays details of the application, such as name of the
applicant, phone number, when was the application created and by whom.
2. Use the search criteria or select the Application Id you want to verify and double-click.
The FI Initiation screen is displayed, showing details of the applicant and loan requested for.

Figure 31-1: The FI Initiation screen

3. Select the Application Id you want to refer to verification by clicking in the corresponding
check box. You can select more than one Application Ids.
4. Select the Applicant’s name (in the Customer Name column) for the selected Application Id
by clicking in the corresponding check box. You can select only one co-applicant in case of
joint applications.
5. Select the types of inspections you want to be used to verify the applicant’s details by clicking
in the corresponding check boxes. The four types of verification are:
i. Busi Veri: To get the applicant’s office/business details verified by a personal visit (by FI
agency executive)
ii. Resi Veri: To get the applicant’s residence details verified by personal visit (by FI
agency executive)
iii. Busi TVR: To get the applicant’s office/business details verified over telephone
iv. Resi TVR: To get the applicant’s residence details verified over telephone
You can waive off the verification process for the selected application by clicking the Waiver
check box. This makes all other check boxes disabled.
To select all the Application Ids in the list and all the verification modes, click in the check box
below the column heading Application Id. All the checkboxes will be selected. To deselect all, click on
the column heading check box again.
To waive off the verification for all the Application Ids in the list, click in the check box below
the column heading Waiver. All the checkboxes will be selected. To deselect all, click on the column
heading check box again.
6. Click on FI Initiation Memo to refer the selected application to the FI for verification.

31.2 Verifying Contact Point Details

The FI agency investigates the contact point details of each applicant in four steps. An executive
of the agency visits the office and residential premises of the applicant as per the address and
records mentioned in the details. This is followed by telephonic verification of the same. Records
of all these four verifications are maintained in the APS.
31.2.1 Verifying Business Details

The executive of the agency visits the office premises of the applicant and obtains some
information from the applicant, colleague or employee of the applicant. These details are
recorded in the Business Verification screen. In addition, the executive records some details
based on his observation.
To record business verification details:
1. Click on Retail Intray Personal Loan FI Activities FI Verification Detail.

The FI Verification Detail screen is displayed, showing a list of all the Application Ids, and
their details, such as name of the applicant, phone number, when was the application created
and by whom.
2. Use the search criteria or select the Application Id you want to verify and double-click.
The Business Verification screen is displayed, showing details of the applicant and loan
requested for.

Figure 31-2: The Business Verification screen


Optional (O)
Applicant Details
Application ID Displays the selected application ID -
Agency Name Displays the name of the agency assigned the task of -
FI
Applicant Name Displays the name of the applicant -
Applicant Displays the designation of the applicant -
Designation
Company Name Displays the name of the company where the -
applicant is employed
Office Address Displays the address of the applicant’s office -
Date Time Visit Enter the date and time (in dd/mm/yyyy hh:mm:ss O
format) when the verifier visited the applicant’s office
Address Select the option buttons Yes or No to indicate if the O
Confirmed given address of the applicant’s office was correct
Information obtained from Applicant/Colleague/Employee
Person Met Enter the name of the person met at the applicant’s O
office
Relationship Enter the relationship the person met has with the O
with Applicant applicant
Telephone Enter the telephone number of the person met O
Number
# Of Years In Enter the number of years the applicant has been in O
Current the working in the company
Business
# Of Years In Enter the total number of years the applicant has been O
Total Business working/in business
Company Name Enter the name of the company where the applicant is O
employed
Nature of Enter the company’s nature of business O
Business
Type of Select the type of the company to indicate the type of O
Company/ its business, like Manufacturing, Services and Trading
Business
Premises Select an option to indicate if the office premises are O
Ownership owned, rented, or on pagdi or lease
Average Enter the average monthly turnover of the company, O
Monthly as told by the person met at the applicant’s office
Turnover
No. of Enter the number of customers attended by the O
Customers Per company every day
Day
If Rented If the office premises are rented, enter the monthly O
Monthly Rent rent in rupees
If Owned, Is The If the office premises are owned by the company, O
Property select Yes or No to indicate if the premises are
Mortgaged mortgaged
Employment Select the type from employment of the applicant to O
indicate if the applicant is a Daily wage, Temporary or
Permanent employee
Is The Business Enter yes or no to indicate if the applicant’s company O
Family Owned is family owned

Details Of Any Enter the details if the applicant owns any other O
Other Property property
Owned
The following is based on the Verifier’s Observations
Business Board Select the appropriate option button (No or Yes) to O
Seen Outside indicate if the company’s board was seen outside the
Building/Office office or the building where it is located
Applicant Name Enter the relationship of the person from whom the O
Verified From applicant’s name was verified
Designation Enter the designation of the person from whom the O
applicant’s name was verified
Type of Office Select the appropriate option to indicate the type of O
office – if it is a located in a Shop, Office Complex,
Industry Gala’s, Shed, Shared Office, Business
Centre, Residence Cum Office
Locality of Office Select the appropriate option to indicate the area O
where the office is located – if it is a commercial,
Industrial, Slums, Residential, or any other area.
Enter the type of locality in the text bob If Others,
State the Same
Area of Office Select the option for Negative Area or Non-Negative O
Area to indicate if the office is located in an area,
which is considered negative by the bank.
Construction of Select the appropriate option to indicate if the office O
Office construction is pucca, Semi-pucca or temporary
Exterior Select the appropriate option to indicate how the office O
looked from outside – Average, Good or Poor
Interior Select the appropriate option to indicate how the office O
looked from inside – Average, Good or Poor
Approximate Enter the approximate area of the office in square feet O
area of the
office
Ease of Select the appropriate option to indicate if the office O
Location Of The was Easy to locate, Difficult or Untraceable
Office
Items Sighted In Select all the checkboxes to show the equipment seen O
The Office at the office: Phone, Fax, Computer, AC, and
Furniture
No. of Select the appropriate option to indicate the number of O
Employees other employees seen at the office premises -- 1-3, 3-
Sighted 10, 10-50, >50 or Nil
Business Select the type of business activity sighted at the O
Activity Sighted premises – Nil, Low, Average or High
Reference Check – Need to be done with colleague / Neighbouring shops
Name Of In the first text box, enter the name of the reference O
Person And person. I the second text box, enter the relationship
Relationship he/she has with the applicant
With Applicant
Applicant Detail Select the appropriate option (Yes or No) to verify if all O
Confirmed the details of the applicant as given in the application
form have been verified
Negative Enter if any negative feedback was given about the O
Feedback, If applicant by the person met
Any
Sales Figures

Last Six Months Enter the sales figures of the applicant’s company in O
Sales the last six months (in Rs lakh)
Average Enter the average monthly sales of the applicant’s O
Monthly Sales company
Details of Business Associates
Names of Top Enter the names of three main suppliers to the O
Three Suppliers applicant
Number of Enter the number of clients of the applicant O
Clients
Credit Period Enter the credit period in days: O
• The company gets from the supplier
• The company gives to its customers
To Be Obtained By Credit Analyst Either During Visit Or On Telephone Details Of
Loans Taken (Fill this section only if the applicant has already taken another loan)
Financier Enter the name of the financier from whom the O
applicant has taken the existing loan
If there are more than one loans, enter details
column wise
Amount Enter the amount of the existing loan O
Number of Enter the number of EMIs the applicant has already O
EMI’s Paid paid
Details Of Working Capital Financing Availed
Financier Enter name of the financier/s from whom loan is taken O
Hypothecated Enter the type of the asset hypothecated, if applicable O
against
Recommendation
CPV Result On the basis of the above observations and findings, M
select the appropriate option:
• Positive: To approve CPV
• Negative: To reject CPV
• Neutral: To hold your decision or if you
need more information to take a decision
CPV Rejected In case your response to CPV is Negative, select the O
For The appropriate check box to indicate your reason for the
Following rejection. (These fields get enabled only when you
Reasons select Negative for CPV Result)
Verifiers Name Enter the verifier’s name O
& Signature
Verifier’s Enter the verifier’s comments on the application O
Comments
Supervisor’s Enter the supervisor’s name O
Signature
Agency Seal Put the seal of the agency which has done the contact This can be
point verification (CPV) done if this
report is
printed
4. Click on Save.
The data is saved in the APS.

31.2.2 Verifying Residence Details
The executive of the agency visits the residence premises of the applicant and obtains some
information from the applicant, or family member, and neighbour. These details are recorded in
the Residence Verification screen. In addition, the executive records some details based on
observation.
To record residence verification details:
1. Click on Retail Intray Personal Loan FI Activities FI Verification Detail.

The FI Verification Detail Search screen is displayed, showing a list of all the Application Ids,
and their details.
2. Use the search criteria or select the application Id you want to verify and double-click.
The Business Verification screen is displayed.
3. Click on the Residence Verification link.
The Residence Verification screen is displayed, showing details of the applicant and the loan.

Figure 31-3: The Residence Verification screen


Optional
Residence Verification Report
File # Displays the File number O
Application ID Displays the application ID O
Agency Name Displays the agency name O
Applicant Name Displays the applicant’s name O
Residence Address Displays the Residence address O
Address Confirm Select Yes to indicate that the given address has been O
Flag confirmed. Otherwise, select No.
Date Time Visit Enter the date and time when the verifier visited the O
residence of the applicant. Enter the date and time in
dd/mm/yyyy hh:mm:ss format
The following Information is to be obtained from the applicant or anybody residing at the
address:
Person Met Enter the name of the person the executive met. This O
may be a family member of the applicant
Relationship With Enter the person’s relationship with the applicant O
Applicant
Number of Enter the number of dependants of the applicant O
Dependants
Spouse Working? Select Yes or No to indicate if the spouse of the O
applicant is employed
Spouse Working Enter a brief description of the business/office of the O
Description applicant’s spouse
No. Of Family Enter the number of the applicant’s family members O
Members
No. of Earning Enter the number of earning members in the O
Members applicant’s family
Earning Members Select the relationship of the earning members with O
the applicant from the given check boxes: Brother,
Daughter, Father, Mother, Sister, Son
Years At Residence Enter the number of years the applicant has been O
living at the current address
Years In City Enter the number of years the applicant has lived in O
the city
Any Other Loan Availed
(Enter this information column-wise, allocating one row to each loan)
NBFC/Bank Name Enter the name of the non-banking finance company O
(NBFC) or the bank from where the applicant has
taken the existing loan
Loan Amount Enter the amount of the existing loan in Rupees O
Purpose Enter the purpose for which the loan was taken O
Residence Status
Residence Status Select from the given options if the applicant’s house O
is Owned, Parental, Company provided, Rented,
Spouse owned, Leave and License. If none of the
given options are applicable, enter the status in
Others. Please Specify field
If Residence is Rented or Company Provided, Permanent Address, Contact
Person & Telephone Number (Enter details in this section if the current residence is
not owned by the applicant)

Permanent Address Enter the permanent address of the applicant O
Contact Person Enter the name of the person who can be contacted at O
the given permanent address
Telephone Number Enter the contact person’s telephone number O
Rent Per Month Enter the monthly rent the applicant is paying for the O
current residence
Verified From? Select an option to indicate the mode used to verify O
the status of the applicant’s house. The options may
be Name Plate on Door, Neighbour, Society Name
Plate, and Watchman
Area Select the appropriate option to indicate the area of O
the applicants current residence in sq. meters: <400,
400-800, 800-1200, 1200-1500, and >1500
Asset Details
Asset Applied For Enter the name of the asset for which the applicant is O
seeking loan
Asset To Be Used Enter the name of the person who will be using that O
By asset
The following is based on Verifiers observations
Ease Of Locate Select an option from: Easy, Difficult, or Untraceable O
Address to indicate how it was locate the given address
Landmark Enter the name of a landmark nearest to the O
applicant’s residence
Type Of Residence Select from the given options to indicate the type of O
the applicant’s residence — if it was an Independent
house, Bungalow, Flat, Chawl, Hutment, or Row
House
Locality of Select from the given options to indicate the locality of O
Residence the applicant’s residence – if it was Posh, Upper
Middle Class, Middle Class, Lower Middle Class, or
Slum
Area Of Residence Select an option from: Negative area/Non negative O
area
Constructs Of Select from the given options to indicate how was the O
Residence construction of the applicant’s residence: Pukka,
Semi-Constructed, or Temporary
Exteriors Select an option to indicate how the applicant’s house O
looked from outside – Average, Good or Poor
Interiors Select an option to indicate how the applicant’s house O
looked from inside – Average, Good or Poor
Assets Sighted In Select all that application options which were seen at O
The Residence the applicant’s house. The options may be Cooler, TV,
Music System, Phone, Fridge, Furniture, and AC.
Reference Check – Needs To Be Done With Neighbours
Name Of The Enter the Name of the person questioned about the O
Person applicant
Applicant Details Select Yes or No to indicate if the details given by the O
Confirmed applicant were confirmed by the neighbour
Negative Feedback, Enter if any negative feedback about the applicant O
If Any was given by the neighbour
If Residence is If the verifier found the applicant’s residence locked O
Locked During Visit, and could not verify the residence details, select Yes
CPV Needs To Be or No to indicate if the application has to be referred to
Refired FI again

Details Of Other Vehicles Owned By The Applicant

(Enter details only in applicable fields)
Two Wheeler • If the applicant owns a two-wheeler, select O
from the given options if it is Owned,
Financed, or Company-provided
• Enter the Model Name of the two-wheeler
• Enter the Year Of Manufacture of the
vehicle
Car • If the applicant owns a car, select from the O
given options if it is Owned, Financed, or
Company-provided
• Enter the Make/Model of the car
• Enter the Year Of Manufacture of the car
• Enter the name of the bank or NBFC it is
Financed From
• Enter the Registration No.
Vehicle To Be Used Select the appropriate option to indicate who is using O
By the vehicle: Self, Spouse, Parents, Children,
Employee, or Friend
Recommendation
CPV Result On the basis of the above observations and findings, M
select the appropriate option:
CPV Rejected For In case your response to CPV is Negative, select the O
The Following appropriate check box to indicate your reason for the
Reasons rejection. (These fields get enabled only when you
select Negative for CPV Result )
Verifier’s Name And Enter the verifier’s name O
Signature
Verifier’s Comments Enter the verifier’s comments O
Supervisor’s Enter the supervisor’s name O
Signature
Agency Seal Put the agency seal O
5. Click on Save .
The records and verifier’s recommendation are saved in the APS.
31.2.3 Verifying Office Details on Phone

The third step of verification is checking on phone the office details given by the applicant. The FI
agency executive calls the applicant’s office at the phone numbers entered into the APS and
records details of the conversation in the Office Tele Verification screen.
To record office tele verification details:
1. Click on Retail Intray Personal Loan FI Activities FI Verification Detail .

The FI Verification Detail screen is displayed, showing a list of all the Application Ids and their
details.

3. Click on the Office Tele Verification link.

The Office Tele Verification screen is displayed.
Figure 31-4: The Office Tele Verification screen


/Optional (O)
Office Tele Verification Report
(The applicant’s residential and business details are displayed in columns)
Name of applicant Displays the name of the applicant O
Residence Address Displays the applicant’s residence address O
Residence Displays the applicant’s residence telephone O
Telephone Number number
Designation Displays the designation of the applicant O
Office Address Displays the applicant’s office address O
Office Telephone Displays the applicant’s office telephone number O
Number
Contact Details
TV Conducted At Select if the telephonic verification (TV) was O
conducted at office, residence or some other
place

Person Contacted Select if the applicant (Self) or some other person O

was available on the given phone number. It
other, enter the name of the person contacted in
the first text box and his/her designation in the
second
Type of Relation If some other person was available, select the O
relation of that person with the applicant
Telecalling Log (A maximum of five attempts can be made to verify the details. Outcome of
each attempt is added column-wise)
Date of calling Enter the date (in dd/mm/yyyy format) when the O
verifier called the applicant’s office
Time of calling Enter the time (in hh:mm:ss format) when the O
Outcome Select the outcome of the call – whether the O
applicant was contacted, the phone number was
constantly engaged or there was no response
Details To Be Confirmed / Acquired
Address confirmed Select Yes or No to indicate if the address given O
by the applicant was confirmed
Any Other Numbers Enter the telephone number, if another number O
was given to contact the applicant
Asset Applied For Enter the name of the asset for which loan is O
sought
Asset To Be Used Enter the name of the person who will be using O
By the asset
Residence Enter the name or relation of the applicant with the O
Ownership owner of the house in which he is living.
Number Of Years At Enter the number of years for which the applicant O
Residence is living at the given address. You can enter only
two digits in this field.
Number Of Years In Enter the number of years the applicant is working O
Business or in business. You can enter only two digits in
this field.
If Residence is Select the appropriate option to indicate if the O
residence is company-provided or permanent
address of the applicant
Contact Person Enter the name of the person contacted at the O
applicant’s office
Contact Person Enter the telephone number of the person O
Telephone contacted
Reference of a Enter the Name, Address and Telephone Number O
Relative of a relative of the applicant who can be contacted
for check about the applicant
Friend of a friend of the applicant who can be contacted
Reference Check (Where Applicable)
Person Contacted Select if the applicant’s relative or friend was O
contacted to testify. Only one of the two given
references needs to be contacted
Relation With Enter the relation of the applicant with the person O
Applicant contacted
Any Negative Enter details, if the person contacted gave any O
Feedback negative feedback about the applicant
TV Report On the basis of the above observations and O
findings, select the appropriate option:


Reason Of Rejection In case your response to CPV is Negative, select O
the appropriate check box to indicate your reason
for the rejection. (These fields get enabled only
when you select Negative for CPV Result
1. Click on Save.
The verification records and the verifier’s recommendation are saved in the APS.
31.2.4 Verifying Residence Details on Phone

The third step of verification is checking on phone the residence details given the applicant. The
FI agency executive calls the applicant’s office at the phone numbers entered into the APS and
records details of the conversation in the Residence Tele Verification screen.
To record residence tele verification details:
1. Click on Retail Intray Personal Loan FI Activities FI Verification Detail .

The FI Verification Detail Search screen is displayed, showing a list of all the Application Ids,
and their details.
3. Click on the Residence Tele Verification link.
The Residence Tele Verification screen is displayed.

Figure 31-5: The Residence Tele Verification screen

/Optional (O)
Office Tele Verification Report
(The applicant’s residential and business details are displayed in columns)
Name of applicant Displays the name of the applicant -
Residence Address Displays the applicant’s residence address -
Residence Displays the applicant’s residence telephone -
Telephone Number number
Designation Displays the designation of the applicant -
Office Address Displays the applicant’s office address -
Office Telephone Displays the applicant’s office telephone number -
Number
Contact Details
TV Conducted At Select if the telephonic verification (TV) was O
conducted at office, residence or some other
place
Person Contacted Select if the applicant (Self) or some other person O
was available on the given phone number. It
other, enter the name of the person contacted in
the first text box and his/her designation in the
second
Type of Relation If some other person was available, select the O
relation with the applicant

Tele calling Log (A maximum of five attempts can be made to verify the details. Outcome of
each attempt is added column-wise)
Date of calling Enter the date (in dd/mm/yyyy format) when the O
Time of calling Enter the time (in hh:mm:ss format) when the O
Outcome Select the outcome of the call – whether the O
applicant was contacted, the phone number was
constantly engaged or there was no response
Details To Be Confirmed / Acquired
Address confirmed Select Yes or No to indicate if the address given O
by the applicant was confirmed
Any Other Numbers Enter the telephone number, if another number O
was given to contact the applicant
Asset Applied For Enter the name of the asset for which loan is O
sought
Asset To Be Used Enter the name of the person who will be using O
By the asset
Residence Enter the name or relation of the applicant with the O
Ownership owner of the house in which he is living.
Number Of Years At Enter the number of years for which the applicant O
Residence is living at the given address. You can enter only
two digits in this field.
Number Of Years In Enter the number of years the applicant is working O
Business or in business. You can enter only two digits in
this field.
If Residence is Select the appropriate option to indicate if the O
residence is company-provided or permanent
address of the applicant
Contact Person Enter the name of the person contacted at the O
applicant’s office
Contact Person Enter the telephone number of the person O
Telephone contacted
Relative of a relative of the applicant who can be contacted
Friend of a friend of the applicant who can be contacted
Reference Check (Where Applicable)
Person Contacted Select if the applicant’s relative or friend was O
contacted to testify. Only one of the two given
references needs to be contacted
Relation With Enter the relation of the applicant with the person O
Applicant contacted
Any Negative Enter details, if the person contacted gave any O
Feedback negative feedback about the applicant
TV Report On the basis of the above observations and O
findings, select the appropriate option:
Reason Of Rejection In case your response to CPV is Negative, select
the appropriate check box to indicate your reason
for the rejection. (These fields get enabled only

when you select Negative for CPV Result)
5. Click on Save.
The verification records and the verifier’s recommendation are saved in the APS.
31.3 Verifying Appraiser’s Report on CPV

After the verifier investigates, and enters verifies, the FI executive needs to enter the appraisal
result into the APS as positive, negative or neutral. The bank then verifies this result. You can
verify the appraiser’s decision on the applicant’s contact details using the FI Completion screen.
To verify appraiser’s decision on CPV:
1. Click on Intray Personal Loans FI Activities FI Completion .

The FI Completion Search screen is displayed, showing a list of all the Application Ids for
which CPV has been completed.
2. Use the search criteria or select the application Id for which you want to verify the appraiser’s
decision and double-click.
The FI Completion screen is displayed showing the Verification Status Report and the
appraiser’s decision.
Figure 31-6: The FI Completion screen

3. Review the verification details. The four modes of contact point verification for the selected
Application Id are displayed column-wise
4. In the Verify Appraiser Decision field, select the appropriate value from the dropdown list:
• Negative: To reject the appraiser’s decision
• Positive: To approve the appraiser’s decision
• Neutral: To hold a decision on the application
This decision only verifies the appraiser’s decision. That means, if the appraiser had made a
negative decision, and you click on positive, the appraiser or verifier’s decision remains in effect and
stays as negative.
5. Click on Save .
The system saves the data and displays the following message:
Your request has been processes successfully.

6. After all the verification details have been entered, click on the Change Stage link. The
system saves the details and the verifier’s recommendations and moves the application to
the next stage of the loan processing.
If you try to move the application to the next stage without entering all the required verification
details, the following message is displayed:
Please fill the required verifications before doing change stage. Formatted: Bullets and Numbering
31.4 Using Quick Dedupe

Quick Dedupe is a process to verify whether the applicant is an existing customer or has a
relationship with an existing customer. The option is used to maintain the parameters on which
the de-duplication runs. This process eliminates all chances of duplication of the details.
To use Quick dedupe:
1. Click on Retail Intray Personal Loan Quick Dedupe.

The Mini Dedupe Referral screen is displayed, showing a list of all the Application Ids and
their details.
2. Use the search criteria or select the application Id for which you want to use Quick Dedupe
and double-click.
The Quick Dedupe screen is displayed for the selected Application Id, showing the applicant
details and a list of the application Ids in APS that match with one or more values of the
selected application Id.
Figure 31-7: The Quick Dedupe screen

3. Click on the Application Id to view its matching information.
The details are displayed in a new window.
4. Enter your remarks, if any, and click on Save and Proceed .
The Quick Dedupe report is saved in the APS.

If there are no Application Ids in APS that match with the selected Application Id, the Quick
Dedupe screen displays the Applicant’s details and the message:
No Matching Applications. Click on Save and Proceed.

32
Collecting Documents
Document collection is an integral part of any loan application / disbursal process. The sums of
money involved entail that the loan origination agency be completely sure of the applicants
standing in terms of the criteria that it considers important. Documents Collection helps in this
regard.
32.1 Adding Document Collection Details

This task deals with the collection of all the documents relating to the application. Some
documents such as residence proof, age proof, application forms with the applicant’s signature
are required to be collected. A few of these documents may be necessary and mandatory.
To add documents collection details:
1. Click on Retail Intray Personal Loan Documents Collection.

The Documents Collection screen is displayed, showing a list of all the Application Ids in APS
and their details.
2. Use the search criteria or select the application Id for which you want to use Document
collection, and click on the Application Id link.
The Documents Collection screen is displayed for the selected Application Id, showing a list
of all the documents that need to be collected from the applicant.
Figure 32-1: The Documents Collection screen

Optional (O)
Document Select the document that is required to be collected M
from the applicant. The dropdown list displays all the
documents that may be required. Different type of
documents may be required for the applicants,
depending upon their loan requirements and details
Original Select the checkbox if the selected document is O
required in original
Status Select the status of the document collection. The M
status can be completed (for the document submitted
by the applicant) and pending (for the document that is
required but has not been submitted)
Received Date Enter the date when the required document was M
received by the bank. Date should be entered in
dd/mm/yyyy format.
Reason Select the reason for the document requirement. The O
dropdown list displays the pre-defined reasons as per
the bank’s requirements. These may be proof of
income and taxes, proof of age, and house ownership.
Validity Date Enter the date up to which the document submitted by M
the applicant is valid
RIC Reqd. Select the check box if RIC is required. A popup O
screen for initiating RIC is displayed. Enter or select
the following details and click on Save and Close :
• RIC Date: Enter the date in dd/mm/yyyy
format when the check was done
• RIC Name: Select the name of the agency
who has done the RIC check
• Status: Select the result of the check, if it
is negative, positive, could not be verified, or
as applicable
• Remarks: Enter additional remarks, if any
4. Click on Add.
The system saves the details and a row is added to the grid above the entry screens,
showing details of all the documents collected or to be collected for the selected Application
Id.
32.2 Viewing Document Collection Details

The Documents collected from the applicant and their status can be viewed together in the
documents collection screen. This task helps in ensuring that mandatory documents have the
appropriate status and are not missing from the collection.
To view the documents collection:
1. Click on Retail Intray Personal Loan Documents Collection.

The Documents Collection screen is displayed, showing a list of all the Application Ids in APS
and their details.
2. Use the search criteria or select the Application Id for which you want to view document
collection details, and click on the Application Id link.

The Documents Collection screen is displayed for the selected Application Id, showing a list
of all the documents that have been collected or need to be collected from the applicant.
Figure 32-2: The Documents Collection screen (details added)

3. Verify details, as described in the following table.

Optional
Document Displays the name of the documents that are -
required to be submitted by the applicant
Mandatory Displays if the document is mandatory -
Status Select the status of the document collection. The -
status can be completed (for the document
submitted by the applicant) and pending (for the
document that is required but has not been
submitted)
Received Date Displays the date in dd/mm/yyyy format when the -
documents was received by the bank
Target Date Displays the date in dd/mm/yyyy format by when the -
documents is needed by the bank. This field is
cleared if the document has already been collected
by the bank
Reason Select the reason for the document requirement. -
The dropdown list displays the pre-defined reasons
as per the bank’s requirements. These may be proof
of income and taxes, proof of age, and house
ownership.
Remarks Displays the remarks, if any -
RIC Status Displays the RIC status of the document -
Original A selected check box displays if the document is -
required in original
RIC Reqd. A selected check box displays if RIC is required - Formatted: Bullets and Numbering
32.3 Initiation RIC Check

Risk Intelligence Containment initiation is done when some document collected from the applicant
needs to be verified. You can mark the RIC status as positive, negative or neutral
as the case may be.
To perform RIC Initiation:
1. Click on Retail Intray Personal Loan RIC Activities RIC Initiation.

The RIC Initiation screen is displayed.
Figure 32-3: The RIC Initiation screen

2. Enter one or more of the following search criteria.

Optional (O)
App Id Enter the application Id for which you want to initiate O
RIC check
Customer Enter the name of the applicant O
Product Select the name of the loan product M
RIC Reqd. Select No to initiate the RIC. This will display all -
applications for which RIC can be performed.
Select Yes to mark the RIC as completed. This will
display all applications for which RIC has been
initiated.
3. Click on Search.
All the Application Ids matching the search criteria are displayed in a grid below the search
fields.
Figure 32-4: The RIC Initiation screen

4. Select the Application Id for which RIC/RIC needs to be initiated, and click on Update .
The message”Data saved successfully” is displayed on top of the screen.

33
Appraising an Application
After all the relevant details of the applicant, the required loan and the product for which loan is
sought are entered into the system, these are verified at various levels. The verification reports
are also entered into the system. On the basis of these details and verification reports, a decision
is taken on the application if loan can be granted to the applicant. The underwriter takes this
decision on the loan applications and indicates if the application is approved, rejected, put on hold
or forwarded for further action.
The employees with the underwriter’s role at different levels have certain limit associated to them,
beyond which they cannot approve a loan. If any such approval is granted, it needs to be ratified
by the underwriter’s supervisor. The supervisor also reviews the reasons due to which a loan
application is rejected by the underwriter, and has the right to revoke the rejection.
33.1 Underwriting a Loan

Taking a decision on a loan application after reviewing various factors, such as applicant details
and repayment capacity, is called underwriting a loan. The underwriter takes the decision after
reviewing all the applicant’s records and verification reports, as entered in APS. Underwriting a
loan mainly involves the following two considerations:
1. Analyse details of employment, assets, credit, and repayment abilities of the applicant
2. Match the loan amount, rate, and tenure with the applicant details
The underwriter is also authorized to verify and validates the details entered in the system. Based
on all the verification and checks the application has gone through, and looking at all the details
of the application, the underwriter can take one of the following decisions on the loan application:
a. Approve the loan application
b. Hold the loan or defer decision for need of more information or any other reason
c. Reject the loan application
d. Forward the application to another user for further verification or action
To underwrite a loan:
1. Click on Retail Intray Personal Loan Underwriting.

The Underwriting screen is displayed, showing a list of all the Application Ids in APS that
need to be approved, and their details.

Underwriting
Menu option
Figure 33-1: The Underwriting screen

2. Use the search criteria or select the application Id for which you want to use Underwriting,
The Credit Status screen for the selected Application Id is displayed.
Figure 33-2: The Credit Status screen

3. Verify information in all the fields, as described in the following table.

Optional (O)
Loan Details Displays the following details: -

• Branch: where the application was added

• DSA: User/External Agency who added applicant
details
• DME: Name of the DSA executive
• Channel Code: From where applicant learnt about
the applicable scheme
• Instalment Plan: The repayment plan (EMI, rate-
linked)
• Effective Rate: Applicable rate of interest on loan
• Asset Cost: Cost of the asset to be bought (in
Rupees)
• Loan Amount: Amount of loan applied (in Rupees)
• Business IRR
Applicant Details
Applicant Displays the following details of the applicant and co-applicants, -
Details if any:
• Name: Name of the applicant
• Age: Age of the applicant
• Constitution: If the applicant is salaried, in
business
• Gross Income: Total income of the applicant
• Industry Description: In which applicant is
working
• Relationship: Relationship with the primary
applicant
• Existing Customer: If already a customer of the
bank
View Documents : Click on this button to view the list of
documents collected/pending for the applicant or co-applicants
Ability Displays the loan repayment ability indicators, such as Income, -

Indicators Loan eligibility, Number of years at residence, Number of
Vehicles owned, Purpose of Loan and Net LTV
Intent Indicators
Policy Click on View File to view the details of Policy referrals O
Results
Scoring Click on View File to view the details of Scoring referrals O
Results
Fuzzy Click on View File to view the details of the fuzzy referrals O
Results
CPV Click CPV Report to view the details of the CPV results. O
Results
If not satisfied, click on CPV Re-Initiation to send the
application to the CPV stage again
Dedupe Click on View File to view the details of the Dedupe results. O
Results If not satisfied with the report, click on Re-Initiate to send
the application for Dedupe check again
CAM Click on CAM Summary to view Credit Approval O
Summary Memorandum (CAM) summary details
Deviation Click on Initiate Deviation Process to if any deviation is to O
Process be applied to the selected application
Existing Displays the maximum amount that can be given as a loan to O
Exposure the applicant on the basis of his assets, security, income and
liability details, as on the current date
Total Displays the total exposure amount can be given as a loan to O

Exposure the applicant on the basis of his assets, security, and income
details
PFI Information
PFI Enter PFI details, such as if PFI is done; if yes, who has done it -
Information and any PFI remarks
Eligibility Details
Eligibility Click on this button to view eligibility conditions of the applicant. O
The details are displayed in a grid below the button showing
the Name of the applicant, Applicant type and Eligibility Income.
Risk Enter the descriptions of the risks associated with the O
application
Strength Enter the descriptions of the strength factors associated with O
the application
Customer Select the profile type as positive, negative or caution O
Profile Type
Customer Select the customer profile from the dropdown list O
Profile
Deviation History
Deviation Select the deviation type to be applied, if required, from the O
dropdown list. The Description field displays the details of the
selected deviation type. Click on Add to List to add deviation
details to the system. The details are displayed in a grid above
the entry fields.
Mitigants Select the risk mitigant type applied to the applicant. The O
Description field displays the details of the selected mitigant
type. Click on Add to List to add risk mitigant details to the
system. The details are displayed in a grid above the entry
fields.
4. Click on Underwriting Questions .

A pop-up screen is displayed, showing a list of questions, as specified in the APS Master.
5. Enter answers to these questions and close the screen.

6. In the Decision dropdown list, select one of the following options:
• Approve: To indicate that loan can be given to the applicant on the basis of the given
information. An application cannot be approved if the Negbase results have not
been received for that application. Both Deviation and Eligibility must be triggered before
the application can be approved.
• Hold: To put the loan application on hold or defer decision for want of more information
• Reject: To indicate that loan cannot be given to the applicant on the basis of the given
information
• Forward: To forward the loan application to another user/the CPV stage for further action
7. In the Ratifier dropdown list, select the name of the ratifier, if required.
An underwriter is assigned a Default limit (for loan approval) and an upper limit (which is
always greater then the Default limit). If the loan amount is greater then the Default limit but is
within the upper limit, then the underwriter will have to choose the Ratifier. The Ratifier drop
down list displays the users whose default limit is grater then or equal to the loan amount of
the application. This information is generated from the users roles defined in the APS
Masters.
8. Enter details in the Decision Sheet section.


Optional (O)
Reason / Select the reasons or special conditions applied to the O
Special selected application
Condition
Reason Displays the description of the selected reason or special -
Description condition
Reason Enter any comments on why the decision taken, or any O
Comments additional comments
Special Select the stage where the special condition can be applied O
Condition
For
Add to list Click on this button to add reasons details to the system. The O
details are displayed in a grid above the entry fields.
9. Click on Save and Proceed to save the record and change stage.
You can view a list of all the applications that have been approved. Click Intray Personal
Loan Approved. The list of approved loans is displayed. Click on the Application Id to view its
details.
You can view a list of all the applications that have been rejected. Click Intray Personal
Loan Approved. The list of rejected loans is displayed. Click on the Application Id to view its
details.
The underwriter can reject applications above the default limit. In case the underwriter wants
the applicant to submit some more documents before approving the loan, those documents can be
listed in the Document Collection screen. You can access the Document Collection screen by
clicking the Doc tab in the Underwriter screen. Formatted: Bullets and Numbering
33.2 Reviewing Loan Approval

If the underwriter, while approving a loan, overrides certain conditions or limits specified by the
bank, the application approval needs to be reviewed by another user. The reviewer may be a
superior or of the same role (underwriter, but with applicable sanction limits). The credit status
reports and all other documents related to the application are also assessed again. If the reviewer
deems fit, the approval is ratified or rejected. In that case, the application is sent to the
Underwriting stage again for re-evaluation. If the reviewer ratifies the approval, the application
moves to the nest stage of loan processing.
While reviewing loan approval, you can also review the rate approval.
33.2.1 Ratifying Loan Approval

All the cases approved above the underwriter’s default limit and below the sanctioned upper limit
need to be ratified by a superior, or an underwriter with the required limit. All the applications that
have been approved but need ratification are listed in the Ratification screen. Only the
employees authorised for underwriting or ratifying a loan can access this screen.
The Ratification screen displays the following information:
• Application Ids that have been sanctioned by the underwriter above the default limit, and
which have not been ratified yet. The underwriter, who has approved these applications,
cannot ratify these.

• Applications Ids that have been sanctioned with Chosen Ratifier as the current
logged underwriter and which have not been ratified yet.
To ratify a loan approval:
1. Click on Retail Intray Personal Loan Ratification.

The Ratification screen is displayed, showing a list of all the Application Ids in APS that have
been approved but need to be ratified.
Figure 33-3: The Ratification Screen

2. Use the search criteria or scroll up and down to select the Application Id which you you want
to ratify, and click on the check box at the beginning of the row.
3. Click on Update.
The system displays the following message:
Your request has been processed successfully.
33.2.2 Reviewing Rate Approval

Rate approval is a risk management feature of the APS. Loans, which are considered risk-prone,
need to be reviewed for rate approval. The reviewer has the rights to recommend or reject the
applied rate of interest on the loan, or forward it to another authorised user.
To review rate approval:
1. Click on Retail Intray Personal Loan Rate Approval.

The Rate Approval screen is displayed, showing a list of all the Application Ids in APS, and
their details.
2. Use the search criteria or select the application Id for which you want to use rate approval,
The Rate Approval Management screen for the selected Application Id is displayed.

F
igure 33-4: The Rate Approval screen
3. Review the details and select any of the following:
• Forward To: Select the name of another authorised user for further verification and
action. (Select the name from the dropdown list.)
• Recommended: To approve the applied rate of interest
• Not Recommended: To reject the applied rate of interest
4. Click on Save and Proceed .
The system saves the record and takes appropriate action –either sends it to the specified
user (if forwarded), to the next stage (if recommended), or back to the underwriter stage (if
not recommended). It displays the following message:
Your request has been processed successfully.
33.3 Reviewing Loan Rejection

Whenever an underwriter rejects a loan application, the rejection report is reviewed by the
superior. The credit status reports and all other documents related to the application are also
assessed again. If the superior deems fit, the rejection may be revoked. In that case, the
application is sent to the Underwriting stage again for re-evaluation. However, if the risks are
more, the reviewer confirms the rejection and a letter is sent to the applicant.
You can view the list of all the applications in APS that have been rejected. Click Intray
Personal Loans Cancel. The Cancel screen is displayed, showing a list of all the loans that have
been rejected. Click on the Application Id link to view its details.
To review a rejection report:
1. Click Retail Intray Personal Loan Reject Review.

The Reject Review screen is displayed, showing a list of all the Application Ids in APS that
have been rejected, but need to be reviewed.
2. Use the search criteria or find the application Id, whose reject report you want to review, and
The Reject Review screen for the selected Application Id is displayed.

Figure 33-5: The Reject Review screen

3. Click on the UND link to view the application history at the underwriter stage.
The Underwriting screen for the selected Application id is displayed.
4. Verify the underwriter’s reason for rejecting the application by reviewing the applicant’s
details and elevant reports. (For details, see Section 9.1 Underwriting a Loan)
5. Close the Underwriting screen and enter your decision in the Reject Review screen. On the
basis of your review, you can either confirm or revoke the rejection.
33.3.1 Confirming / Revoking Loan Rejection

After you review the underwriter’s report on why a loan application was rejected, you can revoke
the underwriter’s decision and send the rejected application back for re-evaluation and
underwriting. You also have the option to validate the underwriter’s decision. In that case, the
application is finally rejected and a letter is sent to the applicant.
To confirm loan rejection:
1. On the Reject Review screen, verify the following displayed details.

Optional (O)
Application Displays the Application Id, whose reject report you want to -
Id review
Name Displays the name of the applicant -
Amount Displays the amount for which loan is requested -
Product Displays the loan product under which loan is applied -
Scheme Displays the name of the promotional scheme under which -
loan was applied
Tenure Displays the period in months for which loan has been -
requested
2. Enter details in the following fields:

Optional (O)
Activity Select the activity from the dropdown list M
Reason Enter the reason for confirming or revoking the loan rejection M
3. Click on one of the following buttons:

a. Stage Reversal : To revoke rejection and send the application to the underwriter again

b. Reject Confirmation : To confirm the rejection of the loan.

The following message is displayed:
This loan has been rejected.
33.3.2 Generating Rejection Letter

When a loan application is rejected, the bank needs to send a letter to the applicant indicating the
bank’s decision. APS helps you generate this letter online.
To generate rejection letter:
1. Click on Retail Intray Personal Loan Rejection Letter.

The Rejection Letter screen is displayed, showing a list of all the Application Ids that have
been finally rejected.
Figure 33-6: The Rejection Letter screen

The screen displays the following details of the applicants in a grid.

Optional (O)
Application To select an application Id for which you want to generate
rejection letter, click this checkbox
Appl. Id Displays the Id of the application M
Signed Displays the date in dd/mm/yyyy format when the M
application was rejected by the reviewer
Customer Displays the name of the applicant M
Scheme Displays the name of the promotional scheme under which M
loan was applied
User Displays the name of the user (bank employee) who has M
reviewed and rejected the application
2. Use the search criteria or select the application Id for which you want to generate the
rejection letter.
3. Click on the corresponding checkbox to select the required application.

4. Click on the Generate Report button.
The rejection report is generated.

33.4 Cancelling Loan

The bank has the authority to reject loan applications if it does not conform to the specified
standards. However, at times customers can also decide to cancel their loan applications. APS
allows you to cancel loan applications on request of customers, with the help of the CAN screen.
All cancelled loan applications get moved to the Cancel Review screen, from where these can be
reviewed and reconsidered, as and when required.
To cancel loan application:
1. Click on Retail Intray Personal Loan Cancel.

The Cancel Search screen is displayed.
Figure 33-7: The Cancel Search screen

Field Description
Appl Id Enter the identification number of the application you are searching.
Customer Enter the name of the customer, whose application you are searching.
Signed Enter the date (in dd/mm/yyyy format) on which the application you are
searching was signed. You can also select the date.
Product From the dropdown menu, select the product related to the application
you are searching.
Phone Enter the phone number of the customer, whose application you are
searching.
down your search.
3. Click Search.
The applications matching with the search criteria specified by you are displayed below the
search fields.

Figure 33-8: The Cancel Search screen (with results)

4. Click the Appl Id of the application that you want to cancel.
The CAN screen is displayed.
Figure 33-9: The CAN screen

5. Enter or select details in the fields as described in the following table:
Field Description Mandatory
(M)/ Optional
(O)
Reason Code From the dropdown menu, select the reason for which M
you are cancelling the loan application.
Description Displays the description of the reason selected by you.
Comment Enter comment, if any, on loan cancellation. O
6. Click Add To List.

The Reason Code and Description is displayed above the entry fields.
7. Click Cancel Application.
The following message is displayed:
Want to cancel the application.
8. Click OK.
The selected loan application is cancelled.

33.5 Reviewing Loan Cancellation

In APS, the cancelled loan applications are not deleted from the database, unless you want these
to be deleted permanently. These applications move to the Cancel Review screen, from where
these can be retrieved and reconsidered, as and when required.
To review loan cancellation:
1. Click on Retail Intray Personal Loan Cancel Review.

The Cancel Review Search screen is displayed.
2. Enter the search criteria and click the application Id of the application whose cancellation you
want to review.
The CANREV screen is displayed.
Figure 33-10: The CANREV screen

3. To reverse the stage of the application, select the stage to which it has to be reversed (from
the dropdown menu of the Activity field), enter the reason for reversal (in the Reason field),
and click Stage Reversal.
The application is reversed to the stage specified.
4. To cancel the loan permanently, click Cancel Confirmation.
The application is cancelled permanently.

34
Managing Post- Approval Tasks
After a loan has been approved, the applicant is required to provide additional details documents.
The bank or financial institution also computes the loan fee and the repayment plan. When the
bank acquires all the necessary information, an offer letter is issued to the applicant that the loan
is ready to be disbursed. The application then moves on to the next stage of disbursement.
34.1 Viewing Approved Loans

APS allows you view a list of all the loan applications in the system that have been approved and
ratified, if required. By clicking the Application Id link, you can view the details of the application.
To view approved loans list:
1. Click on Retail Intray Personal Loan Approved.

The Approved screen is displayed, showing a list of all the Application Ids in APS that have
been approved.
Figure 34-1: The Approved Loans screen

The screen displays the following details of the applicants in a grid.


Optional (O)
Appl. Id Displays the Id of the application -
Signed Displays the date in dd/mm/yyyy format when the -
application was approved by the underwriter
Customer Displays the name of the applicant -
Product Displays the name of the product for which loan is applied -
Scheme Displays the name of the promotional scheme under which -
loan was applied
Approved Displays the date in dd/mm/yyyy format when the -
application was approved by the underwriter
Branch Displays the name of the branch of the bank/ NBFC where -
the loan application was created
User Displays the name of the user (bank employee) who has -
approved the application
2. Use the search criteria or select the required application Id, and click on the Application Id
link to view its details.
You can also search for one or more Application Id on the basis of the date on which the
application was approved.
34.2 Entering Post-Approval Details

There are certain details that need to be added to the applicant’s record only after the loan is
approved. These include details of the initial deposit being made the applicant, loan and EMI
details, disbursement details and special conditions, if any. The list of documents that are
required post-approval is also maintained in APS.
34.2.1 Collecting Post-Approval Documents

There are certain documents that are needed by the bank or NBFC after a loan is approved.
These are also referred to as Post sanction documents. APS helps you maintain a checklist of the
required documents for each application Id. You can mark their status as ‘completed’ as and
when these are received from the applicant.
To collect post-approval documents:
1. Click on Retail Intray Personal Loan Post Sanction Documents.

The Post Sanction Documents screen is displayed, showing a list of all the Application Ids in
APS, and their details.
2. Use the search criteria or select the application Id for which you want to enter initial deposit
The Post Approval Docs screen is displayed for the selected Application Id.

Figure 34-2: The Post Approval Documents screen


/ Optional (O)
Document Select the document that is required to be submitted by M
the applicant. The dropdown list displays all the
documents specified in the PAS masters
Original Select the checkbox if the document is required in O
original
Status Select the status of the document. The options are: O
• Completed: for the documents received
• Pending: For the documents yet to be
received
Received Date Enter the date in dd/mm/yyyy format when the M
document was received from the applicant. The default
date is the transaction date.
Reason Select the reason for document requirement from the O
dropdown list. The options may be proof of age, proof
of income and tax, and proof of residence.
Validity Date Enter the date (in dd/mm/yyyy format) up to which the M
document is valid
RIC Reqd. Select the checkbox if the RIC check is required for the O
document. When you select the checkbox, the Mark
for RIC is screen is displayed in a new window.
Enter or select the following:
• RIC Date: The date when the RIC was
done
• RIC Name: Name of the person who
completed RIC
• RIC Status: Current Status of the RIC –
Positive, Negative, Sent for Verification, or
any other
• RIC Remarks: Any additional remarks
Click on Save and Close to close the RIC window
4. Click on Add to save the requirement details of the selected document.

The system saves the records and shows it as a grid above the entry fields. To enter details
for more than one document, repeat steps 5 and 6. The System adds a new row for each
document.

If a document is not received now, the grid acts like a checklist to ensure that all the required
documents are received before the loan is disbursed.
34.2.2 Entering Loan Details

After the loan application is approved, the loan details are verified again for disbursal. The
bank/NBFC also needs to add certain parameters associated with the loan.
To enter loan details:

3. Click on the Loan Details link.

The Loan Details screen is displayed.
Figure 34-3: The Loan Details screen


Optional (O)
Asset Cost Displays the cost of the asset for which loan is applied -
Margin Rate Displays the margin rate O
Margin Money Displays the amount of margin money O
Loan Amount Displays the amount of loan applied for M
Tenure Enter the number of months for which loan is applied M
Requested Select the frequency requested for repayment. The M
Frequency dropdown list displays the applicable options –
annually, half-yearly, bi-monthly, monthly, and
quarterly
Number of APS generates the number of installments on the basis -
installments of the selected frequency and tenure
Installment Plan From the drop-down menu, select the instalment plan. M
Installment Select the mode of installment payment from the given M
Mode options in the dropdown list:
• Advance: If the installment is paid at the
beginning of the installment period
• Arrear: If the installment is paid at the end
of the installment period
Advance Enter the number of advance installments to be paid O
Installment
Rest Select when the rest of the installments are to be paid. O
The dropdown list displays the applicable options –
annually, half-yearly, bi-monthly, monthly, and
quarterly
Due Date Select the date from the dropdown list when the M
Installment gets due each month
Disburse To Select to indicate whom the loan amount will be M
disbursed to. He dropdown list has two options --
Dealer (if the loan is requested through a dealer) and
Customer. The default value is Dealer.
Disbursement Displays the amount to be disbursed. O
Amount
Loan Detail Parameter
Rate EMI Flag Select Rate or EMI from the dropdown list to indicate M
the mode of calculating loan repayment
Loan EMI This field gets enabled if you have chosen EMI in the M
Rate EMI Flag. Enter the amount of equated monthly
installment (EMI)
Requested From the dropdown list, select the type of the interest O
Interest Type as flat, decreasing or any other as displayed in the
dropdown list
Effective Rate This field gets enabled if you have chosen Rate in the M
Rate EMI Flag. The effective interest rate is displayed
Business IRR Enter the Business IRR M
Flat Rate Enter the flat rate M
Rate type Select the value from the drop down list populated by O
Floating Flag the Rate Type master.
Floating Enter the floating Frequency O
Frequency
Deposit Amount Enter the initial deposit amount O

Interest Start Enter the Interest start date M

Date
Interest tax Select the value from the drop down list populated by O
the Interest master.
Interest tax Rate Enter the interest tax rate. O
Loan PLR Type Enter the loan PLR type O
Loan PLR Rate Enter the Loan PLR Rate O
Spread Id Enter or Select the value from the drop down list M
populated by the Spread ID master.
TDS Rate Enter the TDS rate. O
Grace Charge Select the value from the drop down list populated by O
interest the Interest master.
Adjust schedule Select the value from the drop down list populated by O
the Schedule master.
Interest Round Select the value from the drop down list populated by O
off the Interest master.
Interest Round Enter the precision to which interest will be rounded off O
precision
Interest Round Select the value from the drop down list populated by O
method the Interest master.
Installment Enter the precision to which installment will be rounded O
Round Precision off
Principal base Select the value from the drop down list populated by O
unit the Principal master.
Grace period Enter the grace period O
Tranching flag Select the value from the drop down list populated by O
the Tranching master.
Builder Enter the Builder Subvention Percent O
Subvention
Percent
Builder Enter the Builder subvention amount O
subvention
amount
VAT Installment Enter the VAT installment rate O
rate
VAT on principal Enter the VAT on principal. O
VAT on interest Enter the VAT on interest O
5. Click on Save .
The records are saved in APS.
When you click on Repayment the system generates the repayment schedule for the loan
taken by the applicant. The repayment schedule is generated on the basis of the selected Installment
Plan.
34.2.3 Entering Fee and Charges Details

The bank applied a number of charges and processing fees to an application. APS helps you
enter these details and calculate the various charges and fees applicable to the selected
Application Id.

To view change details:
1. On the Loan Details screen of the selecetd Application Id, click on Charges .
The Charges Details screen is displayed.
Figure 34-4: The Charges Details screen

/ Optional (O)
Charge Select the type of charge that is applicable to the M
Description selected Application Id.
Receipt/ Payment Displays the payment -
Business Partner Displays the category of the business partner, M
such as dealer, and broker
Rate/ Amount Select either option to specify if the selected charg is -
calculated as a rate of the loan amount, or a certain
amount
Charge Rate Enter the applicable rate to calculate the charge O
Charge Amount Clicking in this field displays the amount on the basis M
of the entered rate
Credit Period Enter the credit period, if any, that can be given to O
the applicant
2. Click on Add .
The system saves the details and displays these in a grid below the entry fields.
You can apply more than one charge to an application. For this, repeat steps 1 and 2 for each
charge. A new row is added to the grid for each change details.
34.2.4 Entering Additional Disbursement Details

If there are one or more co-applicants associated with an application, you can divide the net loan
amount amongst the applicant in the specified proportion, as requested by the primary applicant.
APS helps you disburse the specified loan amount to the various applicants.
APS has separate disbursement details screens for the applications added by internal (bank
users) and external (DSA and DSE) APS users.
34.2.4.1 Entering Disbursement Details (Internal)

The bank has separate conditions for loan disbursement to the applicants who applied through
the bank. APS helps you add such disbursement details.
To enter disbursement details (Internal):

2. Use the search criteria or select the application Id for which you want to enter Additional
Disbursement details, and click on the Application Id link.
3. Click on the Disbursement Details link.
The Disbursement Details screen is displayed for the selected Application Id. showing the
form for the Internal users (The Internal option button selected by default. Select External if
the loan was applied through an external agency.)
Figure 34-5: The Disbursement Details (Internal) Screen

4. Enter/verify details in the following fields:

Optional (O)
File System Select the File system from the dropdown list M
Total Amount Displays the total amount of the loan -
Net Disbursal Displays the net amount of loan that will be -
Amount disbursed to the applicant. The net amount is the
amount of loan after deducting the bank charges
from the total loan amount.
Pending Displays the loan amount that is being held -
Disbursal
Amount
DSA Displays the name of the Direct Selling Agent (DSA) O

or the internal user

DME Name Displays the name of the DMA executive dealing O
with the client.
5. Enter details in the Primary <Applicant’s Name> section, if the applicant wants the loan to be
disbursed to different applicants in the specified proportion.
Optional (O)
Bank Branch Enter the name of the bank and the branch where M
the primary applicant wants the loan amount to be
deposited.
Account Enter the bank account number of the applicant M
Number where the loan amount is to be deposited
Disbursal Date Displays the date of loan disbursal in dd/mm/yy M
format.
Disbursed Enter the amount of loan which is to be deposited in
Amount that applicant’s account
6. Click on Add .
APS saves this record and adds a blank row to the grid.
Repeat steps 4 and 5 for each applicant, if the loan amount is to be disbursed between the
primary applicant and the co-applicants.
7. Enter details in the Decision Sheet.

Optional (O)
Reason / Special Select the reason or special condition. The O
Condition dropdown list displays the pre-defined conditions,
as specified by the Administrator in the APS
Masters
Reason Displays a brief description of the selected reason -
Description or special condition
Reason Enter additional comments to indicate why the O
Comments particular reason was selected
8. Click on Add to List .

The details of the selected condition used for the application are saved n APS and displayed
in a grid above the Decision Sheet entry fields.
Repeat steps 7 and 8 for each reason or condition, if more than one conditions are to be
specified. You cannot select the same reason or condition again.
9. Click on Save .
The details are saved in APS and the application is moved to the next stage.
34.2.4.2 Entering Disbursement Details (External)

The bank has separate conditions for loan disbursement to the applicants who have applied for a
loan through an external agency. APS helps you add such disbursement details.
To enter disbursement details (External):

2. Use the search criteria or select the application Id for which you want to enter Additional
Disbursement details, and click on the Application Id link.
The Post Approval Docs screen is displayed.
3. Click on the Disbursement Details link.
The Disbursement Details screen is displayed for the selected Application Id.
4. Select the External option button.
The Disbursement Details screen is displayed, showing the form for the External agency.
Figure 34-6: The Disbursement Details (External) screen

5. Enter details in the following fields.

Optional (O)
Dealer/Borrower Select either of the option button: O
• Dealer: If the loan amount will be given to
the dealer through whom loan was applied
• Borrower: If the loan amount will be given
to the applicant
Total Amount Displays the total amount of the loan -
Net Disbursal Displays the net amount of loan that will be disbursed -
Amount to the applicant. The net amount is the amount of loan
after deducting the bank charges from the total loan
amount.
Pending Displays the loan amount that is being held -
Disbursal
Amount
DSA Displays the name of the Direct Selling Agent (DSA), if -

the applicant has applied for loan through an external

agency
DME Name Displays the name of the DMA executive dealing with -
the client. This information is picked up from the APS
database
6. Enter details in the Primary <Applicant’s Name> section, if the applicant wants the loan to be
disbursed to different applicants in the specified proportion.
Optional (O)
Bank Branch Enter the name of the bank and the branch where the M
primary applicant wants the loan amount to be
deposited.
Account Enter the bank account number of the applicant where M
Number the loan amount is to be deposited
Disbursal Date Enter the date in dd/mm/yyyy format when the loan M
amount will be deposited. You can also click on the
calendar icon to select the date
Disbursed Enter the amount of loan which is to be deposited in
Amount that applicant’s account
7. Click on Add .
APS saves this record and displays it in the grid. It also adds a blank row to the grid.
Repeat steps 5 and 6 for each applicant, if the loan amount is to be disbursed between the
primary applicant and the co-applicants.
8. Enter details in the Decision Sheet.

Optional (O)
Reason / Special Select the reason or special condition. The dropdown O
Condition list displays the pre-defined conditions, as specified by
the Administrator in the APS Masters
Reason Displays a brief description of the selected reason or -
Description special condition
Reason Enter additional comments to indicate why the O
Comments particular reason was selected
9. Click on Add to List.

The details of the selected condition used for the application are saved n APS and displayed
in a grid above the Decision Sheet entry fields.
Repeat steps 10 and 11 for each reason or condition, if more than one conditions are to be
specified. You cannot select the same reason or condition again.
10. Click on Save .

The details are saved in APS and the application is moved to the next stage.
34.2.5 Entering Initial Deposit Details

The applicant may apply for a loan equal to the entire value of the asset. In certain cases, the
loan applied is only a part of the asset value, as per the applicant’s requirements, or as required

by the bank/NBFC. This difference in the cost of the asset and the loan applied for is called the
Initial Deposit. This amount has to be paid by the applicant upfront when the loan is approved.
APS allows you to add details of such the initial deposits, if any, such as the amount, mode of
payment – cheque, Demand Draft – and other related information. This helps the system track
these details, whenever required. Enter these details only after the applicant has paid the amount
for initial deposit.
To enter initial deposit details:

3. Click on the Initial Money Deposit link.
The Initial Money Deposit screen is displayed.
Figure 34-7: The Initial Money Deposit screen

4. Enter details in the fields, as described in the following table.

Optional (O)
Cheque Detail
Name Displays the name of the applicant of the selected -
Application Id
Paid On Enter the date of payment of initial deposit in O
dd/mm/yyyy format.
Transaction Displays the date when the final transaction is -
Date scheduled. The date is displayed in dd/mm/yyyy
format
Payment Mode Select the mode of payment by which the applicant is M
making payment for the initial deposit. The dropdown
list shows two options – cash, cheque and draft
Status Select the status of the deposit. The dropdown list M
displays the following options: pending, deferred,
received, or any other, as required by the bank
Amount Displays the amount to be received form the customer. M

Currency Enter the currency in which the amount is being paid. O

The default value is INR
Cheque Id Enter the Id of the cheque M
CR/Chq/DD No Enter the number of CR, Cheque or Demand Draft by M
which the initial deposit is being paid
Cheque Date Enter the date of the cheque. You can also click on the M
Calendar icon to select the date.
In Favor Of Enter the name in whose favour the cheque or draft is M
drawn
Dealing Bank Select the name of the issuing bank. The dropdown list M
displays names of all the applicable banks, as
specified in the APS Masters
Drawn on Select the name of the issuing bank. The dropdown list M
displays names of all the applicable banks, as
City Select the city where the issuing branch is located. M
The dropdown list displays names of all the cities, as
Reason Enter comments M
Micr Code Enter the MICR code of the cheque O
5. Click on Add .
The applicant’s Initial Deposit details are saved and added to the system. APS displays the
following message on top of the screen:
APS saves this record and displays it in the grid. It also adds a blank row to the grid.
If the Initial Deposit Money is paid by more than one instrument, repeat steps 4 and 5 for each.
The system adds a new row for each instrument detail.

35
Initiating Loan Disbursement
Disbursement of loan is the last stage in the loan process when the applicant is finally given
the loan. Before disbursal can proceed, all the relevant documents have to be reviewed and
their status has to be verified as complete.
35.1 Generating letter/ Initiating loan disbursement

When a loan is finally approved, a letter initiating loan disbursement is sent to the applicant.
To generate letter initiating loan disbursement:
1. Click on Retail Intray Personal Loan Offer Letter.

The Offer Letter screen is displayed, showing a list of all the Application Ids in APS to
which loan has been offered, and their details.
Figure 35-1: The Offer Letter screen

2. Use the search criteria or select the application Id for which you want to view offer letter,
and click on the Generate Report button.
The offer letter is generated.

36
Maintaining Post-Disbursal Details
36.1 Collecting RC Documents

This task is primarily related to old and used vehicle loans. After disbursal of the loan amount
the Registration Certificates of the vehicles are collected from the prior owners of the vehicles
and are handed over to the new owners.
36.2 Reviewing Deferred Document Details

The applicant may have deferred certain documents at the earlier stages of loan processing
on the condition to provide these later. You can view the list and status of such deferred
documents and take further steps, as required.
Only authorised users can view these details.
To view deferred document details:
1. Click on Retail Intray Personal Loan Deferred Document.

The Deferred Document screen is displayed, showing a list of all the Application Ids in
2. Use the search criteria or select the application Id for which you want to check deferred
document details, and click on the Application Id link.
The Deferred Document screen is displayed for the selected Application Id.

Figure 36-1: The Deferred Document Screen

The document collection details such as Document, Mandatory, Status are displayed,
with the status selected as deferred.
You can collect the listed deferred documents and change the status of such documents
to Received.
3. Click on Save to save the data.

37
Providing Customer Support
The loan application of customer passes through various stages before being approved and
the loan is disbursed after approval. The entire process takes some time and at times, it
becomes difficult for the customer to keep track of the application. APS allows you to inform
the status of the loan application to the customer with the help of the Enquiry screen. You can
search the required application with the help of the search screen and inform the customer of
the stage in which the application is.
37.1 Enquiring Status of Application

APS allows you to enquire the status of the loan application with the help of the Enquiry
screen
To enquire status of application:
1. Click on Enquiry Screen.

The Enquiry screen is displayed.
Figure 37-1: The Enquiry screen

Optional (O)
Application Enter the identification number of the application O
Number whose details you want to enquire.
Customer Name Enter the name of the customer, whose application O
whose details you want to enquire.
Product Type From the dropdown menu, select the type of the M
product associated with the application whose
details you want to enquire.

Product Category From the dropdown menu, select the category of the O
product associated with the application whose
details you want to enquire. The values in this field
are related to the product type selected by you.
Signed Enter the date on which the application, whose O
details you are searching, was signed. You can also
select the date from the calendar.
down your search.
3. Click Search.
The applications matching with the search criteria specified by you are displayed below
the search fields.
Figure 37-2: The Enquiry screen (with search results)

4. Click the Appl Id of the application whose details you want to enquire.
The Enquiry screen (for the selected application) is displayed.
Figure 37-3: The Enquiry screen (for selected application)

The Enquiry screen (for selected application) displays following information about the
application:

• Application Number: Displays the identification number of the application.

• Customer Name: Displays the name of the customer.
• Customer Address: Displays the address of the customer.
• Asset Details: Displays the asset details furnished by the customer
• DSA: Displays the name of the direct selling agent.
• Pending Activities: Displays the list of pending activities for the application.
• Check Release Status: Displays whether cheque has been released for this
application or not.
• Check Release Date: Displays the date on which the check was released for the
application.
• Rate Of Interest: Displays the rate of interest on which loan is being offered for this
application.
• Amount Financed: Displays the amount being financed for this application.
• Tenure: Displays the tenure for which the loan is being offered.
• Encoded Date: Displays the date on which the application was encoded in the
system
• Status: Displays the status of the application.
• Status Date: Displays the date on which the application was last updated.
• Product: Displays the product for which loan is being offered.
• Reason Code: This represents the reason code.
• Source Code: Displays the code from where the application has originated.
• Referrer Name: Displays the name of the person who has referred the application.
• Scheme: Displays the scheme under which the loan is being offered.
• CIF: Displays the unique Customer Identification Number
• Phone: Displays the phone number of the customer.
• DOB: Displays the date of birth of the customer, as displayed on the application.


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APPLICATION PROCESSING SYSTEM

Document Code: I099418UM_APS Personal

Nucleus Software Exports Limited

27. ADDING NEW APPLICATION.................................................................. 1

28 COMPLETING DETAILS OF APPLICATIONS ............................................ 45

29 CONTROLLING DATA ENTRY QUALITY .................................................. 48

30 UPDATING APPLICATION DETAILS ....................................................... 51

31 VERIFYING APPLICANT DETAILS .......................................................... 52

32 COLLECTING DOCUMENTS .................................................................... 72

33 APPRAISING AN APPLICATION ............................................................ 76

© Nucleus Software Page i

34 MANAGING POST- APPROVAL TASKS .................................................... 88

35 INITIATING LOAN DISBURSEMENT .................................................... 101

36 MAINTAINING POST-DISBURSAL DETAILS ......................................... 103

37 PROVIDING CUSTOMER SUPPORT ...................................................... 105

© Nucleus Software Page ii

27.1 Adding New Application for Individual Applicant

27.1.1 Adding Basic Details of Individual Applicant

To add basic details of an individual applicant:

1. Click on Retail Intray Personal Loan New Application.

© Nucleus Software Page 1

Figure 27-1: The Sourcing screen for Individual Applicant

Field Description Mandatory/

© Nucleus Software Page 2

3. Click Save And Proceed.

Figure 27-2: The New Application screen for Individual Applicant

© Nucleus Software Page 3

© Nucleus Software Page 4

27.1.2 Filling in QDE Details

© Nucleus Software Page 5

2. Work details of the applicant

27.1.2.1 Adding Work Details of the Individual Applicant

To add work details of the individual applicant:

1. Click on Retail Intray Personal Loan Quick Data Entry.

© Nucleus Software Page 6

Figure 27-3: The Work Details screen

© Nucleus Software Page 7

© Nucleus Software Page 8

27.1.2.2 Adding Income/Liability Details of Individual Applicant

To add income/liability details of the individual applicant:

1. Click on Retail Intray Personal Loan Quick Data Entry.

3. Click the Applicant link.

4. Click the name of the applicant.

5. Click on the Income/Liability link.

Figure 27-4: The Income/Liability screen

Field Description Mandatory(M)/

© Nucleus Software Page 9

Field Description Mandatory(M)/

© Nucleus Software Page 10

11. Click on Save .

27.1.2.3 Adding Loan Details of Individual Applicant

To add loan details of individual applicant:

1. Click on Retail Intray Personal Loan Quick Data Entry.

Figure 27-5: The Loan Details screen

© Nucleus Software Page 11

4. Enter details in all the feilds, as described in the following table.

Field Description Mandatory(M)/

27.1.2.4 Adding Document Collection Details

To add documents collection details:

1. Click on Retail Intray Personal Loan Quick Data Entry.

3. Click the Document Collection link.

Figure 27-6: The Document Collection screen