Risk Gradation
All 'Borrower/s' on the loan facility are hereby informed that the company has the following approach and considers the following factors for assessing the gradation of risks for each Borrower:
- Profile and market reputation of the borrower including usage of internal credit scoring models leveraging traditional approaches like Bureau score, performance as well as alternative data sources,
- Inherent nature of the product, type / nature of facility, refinance avenues, whether loan is eligible for bank financing, loan to value of asset financed,
- Tenure of relationship with the borrower, past repayment track record and historical performance of our similar clients,
- Overall customer yield, future potential, repayment capacity based on cash flows, income assessment method/loan eligibility and other financial commitments of the borrower,
- Nature and value of primary and secondary collateral / security, location,
- Type of asset being financed, end use of the loan represented by the underlying asset,
- Interest, default risk in related business segment, credit guarantee, sourcing (physical/digital)
- Regulatory stipulations, if applicable,
- Tenure, quantum, repayment schedule and structure (including proposed moratorium, if any)
- Any other factors that may be relevant in a particular case
The rate of interest for the same tenor for different clients can be different depending upon the combination of one or more factors listed above.