HDFC

LOS TRAINING
Fin One Los Address :- https://los.hdfcbank.com/LOSHDFC/CheckLogin.los
Idia los address :- https://imaging.hdfcbank.com/losweb/

Customer Profile :-

1) SALARED
2) SELF EMPLOYE
3) HRP/RCO/NEGETIVE AREA

(A) SALARED :-

CUSTOMER CAT.

1- PVT. LTD. ECAT

2- GOV. EMP. CAT
GC (15-25 K)
CAT
GB (25-35 K)
CAT
GA (35 TO AVOVE)
3- EDUCATION DEPARTMENT CAT EDU (ONLY EDUCATION DEPARTMENT)
4- DIFENCE CAT GD (ONLY DIFENCE)

CREDIT PRO.

1- TSLNDNRL -- 70%
2- TSLNDHGH -- 80%
3- TSLWNDNRL -- 80% TO AVOVE
4- TWINCSAL -- (SALARY PRO.)
5- LCIBILBH -- (CIBIL CONDITION, CIBIL SCORE ABOVE TO 700)

EMI
4 TIME EMI TO BANKING

DOCUMNT

1- KYC AADHAR CARD, VOTER ID, PAN CARD, PASS PORT, DL.
2- ADD. PROF- OHP, UTILITIY BILL, POSTPAID BILL
3- SEL. PROF DOC-- SALARY SLIP,UPDATE BANKING (WITH SAL.)
TENAR

MIN.- 12 MONTH
MAX- 36 MONTH
AGE -

MIN- UP TO 21 YR
MAX-65 YR

(B) SELF EMPLOYE :-

CUSTOMER CAT.
NORMAL

CREDIT PRO.
 TSENDNRM 70%
TSENDHGH 80%
TSEWDNRM 80% TO 85% (With Income Proof)
LCIBILBH (CIBIL CONDITION, CIBIL SCORE ABOVE TO 700)

AGE-
MIN- UP TO 26YR

DOCUMNT

KYC AADHAR CARD, VOTER ID, PAN CARD, PASS PORT, DL.
ADD. PROF- OHP, UTILITIY BILL, POSTPAID BILL
INCOME PROOF - 1.5 LAKH ITR, & UPDATE BANKING (2 TIMES OF EMI)
(C) HRP/RCO/NEGETIVE AREA :-

CUSTOMER CAT.
HRP- HRP
RCO- NORMAL
NEGETIVE AREA- NORMAL

CREDIT PRO.
1- HRP- THRNDRM (65% TO 75%), THRWDNRM (75% TO 80%)
2- RCO- TRCONDRM (65% TO 75%) TRCOWDNR (75% TO 80%)
3- NEG- TSLNANRM (SAL.), TSENANRM (SELF EM.)
DOCUMNT
1- KYC AADHAR CARD, VOTER ID, PAN CARD, PASS PORT, DL.
2- ADD.- PROF- OHP, UTILITIY BILL, POSTPAID BILL
3- NEG. AREA SAL. PERSON - SALARY SLIP,UPDATE BANKING (WITH SAL.)
LOAN AMOUNT-
MIN- 50000/- (LTV 65%)
MAX- 60000/- (LTV 75%)
 STEP -1 Q.D.E
INTRAY
SECURED LOAN
NEW APPLICATION IMAGE LATER NOTE (FILL ALL RED MARKING BOX)
FIRST NAME ,
MIDDLIE NAME ..,
LAST NAME ..,
UID NO. ..
GENDER ..(M/F)..,
DOB .//.,
CATEGORY (SAL PRO.) (CAT) / (SELF PRO)(NORMAL),
CONSTITUTION (SALARED/SELF IM.),
PRODUCT (TWO WHEELER LOAN),
ASSET CATEGORY (DERABLE LOAN),
ASSET MAKE (MODEL NAME),
ASSET MODEL (ME. COMPNY NAME),
ASSET COST (EX SHOWROOM),
LOAN AMOUNT (.),
TENURE (..),
EMI,ADV. EMI (..),
SCHEME , % (TAB)
PRIORITY PDP
AFN NO. ( ),
SALES PROMOTION (NIL PAYOUT/NORMAL PAYOUT),BULKNIL, (ACORDING TO FORM)
DSA (DELAR NAME),
CONSENT TO CALL (YES),
EDUCATIONAL QUALIFICATION (..),
PAN NO. (..),
VOTER NO. (.),
FATHER NAME (..),
RELATIONSHIP MANAGER CODE (S22151),
SALES EXU. CODE (..),
NEXT CLICK - SAVE
NEXT STEP-
ADDRESS
CURRENT RESIDENCE

OFFICE ADDRESS

REFERENCE ADD 2

REFERENCE ADD 1

NEXT STEP-
INCOME/LIABILITY
null ADDRESS 51731660 F

NEXT STEP-
FINANCIAL DETAIL
NEXT STEP-
WORKING DETAIL
NEXT STEP-
PSL
SALARED :- NON PSL, PER., CATEGORY (GEN.), REL. (HINDU)
NEXT STEP-
ASSET DETAILS
 FIRST CLICK DURABLE LOAN
ASSET TYPE NEW
SUPPLIESR SUPPLIESR NAME (SAHIL (TAB))
Ex-Showroom price ASSEST COST
NEXT CLICK -
UPDATE
NEXT STEP-
NOTE PAD COMENTS

STEP COMMENTS TYPE REMARK

Q.D.E. UTILITY ORIGINAL UTILITY BILL ORIGINAL UTILITY BILL ELECTRIC CITY BILL CONDITION

NOTEPAD
CPVW - SCORE AND ELE. INCLOSED WILL SELF NAME AS A OWNERSHIP ELECTRIC CITY BILL CONDITION
COMMENT CPVWSAO OUB PROOF

CPVFO CPVF OTHR WAIVER DOC NOT MAT FI CONDITION

MOTHERNM MOTHERS NAME XYZ.

PROOF OF
KYCPRFNO IDENTIFICATION AADHAR UID (517534482760)
NUMBER

ADD KYC INFORMATION

ADLKYCCK ADD KYC INFORMATION CHECKED
CHECKED

DRIVING LICENSE
DLEXPDT DRIVING LICENSE EXPIRY DATE ../../.
EXPIRY DATE

DRIVING LICENSE
DRLSNO DRIVING LICENSE NUMBER MP20..
NUMBER

WAIVER BASIS UID

CPVWUID WAIVER BASIS UID CHECK
CHECK

NEXT CLICK -
CHANGE STAGE AND EXIT (NOTE- LOS NO.)(COPY LOS NO)
(LOS NO. SEARCH & CLICK)

NEXT STEP-

MINI DEDUPE REFERRAL

SAVE & PROCIED & EXIT

NEXT STEP-

STEP -2 (D.D.E.)
SOURCE STATE ( M.P.).,
CREDIT PROGRAM (), (NOTE- CHANGE CREDIT PROGRAM CONDITION,
DOCUMENT COLLECTION AGAIN)
FIRST SOURCE QED-(PDP) & BPO-DIR(TEB)
SECOND SOURCE (AUTHORISED DEALER)
THIRD SOURCE (HUB)
FORTH SOURCE (NO),
TEAM LEADER CODE ------------------
CREDIT MANAGER (VIPUL TIWARI),
LOAN PURPOSE (NEW),
LOAN PURPOSE DESCRIPTION (PER. USE)
NEXT CLICK -
UPDATE AND PROCEED
NEXT CLICK-
DEMOGRAPHIC
NEXT CLICK APPLICANT NAME & TYPE PERSNAL DETAILS FIIL
TITLE MR./MS.
 STATUS MARRIED/SINGLE
NATIONALTY INDIA

NOTE :- SCROL DOWN & TYPE WORK DETAIL

YEAR AT CURRENT BUSS./JOB (..YR)
TOTAL EXP. (..YR)
NEXT CLICK -
SAVE
NEXT CLICK -
UPDATE
(NOTE :- SK & TW)

NEXT CLICK -
UPDATE
NEXT STEP-
NOTE PAD COMENTS
STEP COMMENTS TYPE REMARK

D.D.E. FTR FIRST TIME RIGHT FIRST TIME RIGHT

Resi TVR on No:-9302616868 ,No IS:-

NOTEPAD PREPAID,with:PRADEEP TULARAM,Resi add:-
PTVR POSITIVE TVR
JABALPUR.,Stay:- 28YR ,Resi is :-owned,Applied
Model:-SHINE ,Use :- personal ,Status :-Positive
COMMENT
office TVR on No:-9302616868 ,No Is:-
PREPAID,with:-PRADEEP TULARAM ,Working With
PTVR POSITIVE TVR
:-HITKARNI DENTAL COLLEGE. Off add:-JABALPUR.
NOB - GUARD. Stablity :-5YRStatus :-Positve

NEXT CLICK-
CHANGE STAGE (CANCEL) & EXIT

NEXT STEP-
DOCUMENT COLLECTION
CHECKBOX TO UNTICK & SELECT DOCUMENTS
FOR EX. APPLICATION FORM,ADDRESS & ID PROOF, BANKING,ETC.
NEXT CLICK-
SAVE
SELECT DOCUMENTS STATUS- COMPLETE
NEXT CLICK-
SAVE & PROCEED (EXIT)
NEXT STEP-
UNDERWRITING
(LOS NO. SEARCH & CLICK)
NEXT -
CREDIT STATUS
NEXT STEP-
ELIGIBILITY , (CLICK & CANCEL)
INDICATOR COMMENTS, (CLICK & CANCEL)
INITIATE RISK BASED APPROVAL (CLICK & CANCEL & OK)
NEXT CLICK-
EXPOSURE TYPE (RETAIL EXPOSURE)
NEXT STEP-
Mitigants
OWN HOUSE
GOOD STABILITY
GOOD INCOME
POSITIVE TVR
LOW LTV
NEXT STEP-
DECISION (PENDING/FORWORD),
SELECT ROLE (FORWORD) L1
SELECT USER (USER NAME) (EX. VIPUL TIWARI, DEVIK SIR, PRIYANKA ETC)
CAM

Reason Comments Reason Created By

RIC STATUS 9.1 SUB RIC

DEDUPE DETAILS 9.2 MATCH NO MATCH
BANKING/PDC DETAILS 9.3 APP BANKING WITH PDC STATE BANK OF INDIA LOCATION JABALPUR A/C NO (63025215455)
RECOMMENDATION 9.4 APP LOAN AMOUNT 48000 WITH SK TENOURE 24 EMI 2509 LTV 82.24
ANY ADDITIONAL COMMENTS 9.5 SELF USE VEHICALS
PSL DETAILS 9.6 SALARIED (NON PSL), SELF EMP. (SMALL SERVICE ENTERPRISES)
PROFILE OF APPLICANT/CO 9.7 APP WORKING SAHAYAK ABHIYANTA ADHARTAL LAST 28Y DESIGNATION AS A CLEANER ANNULLY
APPLICANT SALARY384000
9.8 APP ADDRESS & ID PROOFE ADHAR CARD (303553527603) & OFFICE ID CRAD & PAN CARD
KYC DOC
(BWGPS9738A) PROVIDE
LOCATION 9.9(A) NORMAL AREA

9.9(C) APP GIVEN UPDATE BANKING WITH HIS LAST 3 MONTH SALARY BLOW IN BANKING__DATE-
BANKING DETAILS 01/06/2016-21000__DATE-02/07/2016-21200__DATE-06/08/2016-21002
9.9(D) APP GIVEN HIS LAST 2 MONTH SALARY SLIP__JUL-2016 GROSS-25000 NET PAY-23000___AUG-2016-
INCOME PROOF GROSS-25000 NET PAY-23000
ITR DETAILS 9.9 APP GIEVN HIS LAST YEAR ITR GROSS-201000 NET-195000
9.9(B) APPLICANT LAST 2 MONTH SALARY SLIP AUG-2016 GROSS (32706) NET (24140) AND
INCOME DETAILS
JUN-2016 GROSS (31784) NET PAY(23343)
ELE 9.9(C) APP ELE SELF NAME LAL JI SAHU ADDRESS SEGMENT MATCH

NEXT CLICK-
SAVE AND PROCEED
 STEP -3 DISBUSMENT
NEXT STEP-
SEARCH LOS NO. & CLICK DISBUSMENT
FRIST STEP-
SOURCING
AGREMENT BOOKLET NO. (.)
NEXT CLICK-
UPDATE AND PROCEED
NEXT STEP-
NOTEPAD COMENTS
OPSDCRCV COPY/PASTE
TWTIR1 2 COPY/PASTE
INSPOLNO (INSURANCE NO.)
(ONLY S.K CONDITION COMMENTS)
NOMINEE (NOMNEE NAME)
RELETION (NOMNEE RELETION)
SMQ COPY/PASTE
(ONLY IMAGE FILE COMMENTS)
IMFR COPY/PASTE
OPS FTR COPY/PASTE (NOTE:- EVERY TIME LAST COMMENT)

(NOTE :- FORM 60 NOTEPAD CODE)

COAPPNO (NUMBER OF CO-APPLICANT) -- 01
PANACKDT (PAN ACKNOWLEDGEMENT DATE) -- TODAY DATE (NOTE : DATE FORMATE 00-00-0000)
PANACKNO (PAN ACKNOWLEDGEMENT NUMBER) -- NA
AGRINCM (AGRICULTURE INCOME) -- NA
NAGRINCM (OTHER THAN AGRICULTURE INCOME) -- INCOME (./-)
IDDOCNO (IDENTITY PROOF DOC ID NO.) -- 01
IDPRFNO (IDENTITY PROOF NUMBER) -- NA
IDISSAU (ID ISSUING AUTH.NAME AND ADD.) -- GOVT OF INDIA
ADDDOCNO (ADDRESS PROOF DOC ID NO.) -- 01
ADDPRFNO (ADDRESS PROOF NUMBER) -- 01
ADDISSAU (ADD ISSUING AUTH.NAME AND ADD.) -- GOVT OF INDIA
NEXT STEP-
POST APPROWAL DOCS
CHEK BOX TO UNTIK
&
SAVE
NEXT COMPLETE TO DOC
(ECS PROSESS)
1. ACH MANDATE
2. ACH MANDATE 2
3. ECS MENDATE VERIFICATION PENDING
4. SECURITY PDC DETAILS
5. FRIST EMI PDC IN CASE OF ECS CASE
6. INSURANCE POLICY
7. KEY FACT SHEET
(SI PROSESS)
8. STANDING INSTRUCTION MANDET
9. SECURITY PDC DETAILS
10. WAIVERAPPR-PRADHAN MANTRI (REMARK-OK)
11. AADHAR UPDATION FORM (REMARK-OK)
12. KEY FACT SHEET
13. INSURANCE POLICY
(FULL PDC DOC)
14. POST DATED CHEQUE
15. PDCS FROM NONECS/NONREECS LOCATIONS
16. ACH MANDATE
17. ACH MANDATE 2
18. INSURANCE POLICY
19. KEY FACT SHEET
 20. RCH (ONLY 14 DAYS HENCE UPDATE DOCUMENT RCH APPROVAL FOR INVOICE
VERIFIED)
21. HEGIC INSURANCE FORM (FOR SK CONDITION ONLY)
22. FORM 60 (ONLY NOT PROVIED TO PAN CARD)
23. NATURE OF BUS-DOCUMENT FORM PSL(ONLY NOT PROVIED TO PAN CARD)
24. FINACIAL DOCUMENT FOR PSL (ONLY SELF EMP. COMDITION)
25. PSL DECLIATION (ONLY SELF EMP. COMDITION)
PSL DIRECT AGRI DOC

26. DOCUMENT FOR DIRECT AGRI

27. PSL DECLARATION

NEXT STEP-
ASSETS DETAILS
CHACHICE NO. ()
ENGINE NO. ()
INVOICE NO. ()
INVOICE VALUE (AMOUNT)
INVOICE DATE (..//)

NEXT CLICK-
UPDATE
NEXT STEP-
LOAN DETAILS
DUE DATE 5
DEALER NAME --------------------
RATE EMI FLAG EMI
(NOTE :- CHECK ALL DETAILS - EMI OR START DATE & LAST DATE, ERRERS & ADVANCE EMI)
NEXT CLICK-
SAVE
NEXT STEP-
CHARGES
CHARGES DETAILS
EX- SHOWROOM VALUE .
HYPOTHCATION CHARGE .
INSURANCE COST .
MARGIN MONEY FROM CUSTOMER 0
REGSTRATION .
PDD CHARGES NET OF 518
STAMP DUTY NET OFF .
DOCUMENT CHARGE .
PROCESSING FEES RECIVE AND DEALER .
WAIVER OFF STAMP DUTY 100
NEXT CLICK-
UPDATE & CLOSE
NEXT CLICK-
REPAYMENT (NOTE :- CHECK IRR,ONLY SCHEME CONDITION (NORMAL CONDITION IRR-22.90 TO 24.00 )
NEXT STEP-
SPECIAL CONDITION (CHECK TO SPECIAL CONDITION)
NEXT STEP-
PDOC DAVIATION (CHECK TO ALL DAVIATION)
NEXT STEP-
CHANGE STAGE AND EXIT

STEP -4 PDC DATA ENTRY

NEXT STEP-
SEARCH LOS NO. & CLICK PDC DATA ENTRY
NEXT STEP-
(ECS PDC DATA ENTRY)

INSTRUMENT DETAILS
1)
INSTRUMENT EXTERNAL PDC
PDC TYPE NORMAL
INSTALLMENT NO. 1
CHEQUE SERIAL NO.
MICR (FLAG)
CUST. A/C NUMBER
DEST. BANK A/C TYPE
PDC BY APPLICANT/CO. APPLICANT
NEXT CLICK-
ADD
2)
INSTRUMENT ECS
PDC TYPE NORMAL
INSTALLMENT NO. 2
COPY OF 1
(NOTE :- TENURE- SELECT ECS ENTRY BUTTON & SCROL DOWN AND TYPE TENURE FOR EX. 12,24,30 ETC
AND CLICK COPY BUTTON)
NEXT CLICK-
ADD
3)
INSTRUMENT EXTERNAL PD
PDC TYPE SECURTY
CHEQUE AMOUNT
COPY OF 1
NEXT CLICK-
ADD
(NOTE :- SELECT EXTERMAL PDC SECURTY BUTTON & SCROL UP AND TYPE REMARK CANCEL CHEQUE
NO.____________)

(SI PDC DATA ENTRY)

INSTRUMENT SI
PDC TYPE NORMAL
INSTALLMENT NO. 1
CHEQUE SERIAL NO. X
MICR (FLAG) X
CUST. A/C NUMBER
DEST. BANK A/C TYPE SAVING.
(ADD)
INSTRUMENT INTERNAL PDC
PDC TYPE SECURITY
INSTALLMENT NO. 0
CHEQUE SERIAL NO.
CHEQUE AMOUNT
COPY OF 1
(ADD)

(FULL DPC DATA ENTRY)

INSTRUMENT EXTERNAL PDC
PDC TYPE NORMAL
INSTALLMENT NO. 1
CHEQUE SERIAL NO.
MICR (FLAG)
CUST. A/C NUMBER
DEST. BANK A/C TYPE SAVING.
TENURE- SELECT ECS ENTRY BUTTON & SCROL DOWN AND TYPE TENURE FOR EX. 12,24,30 ETC AND CLICK COPY
BUTTON)
NEXT CLICK-
UPDATE -- OK
SAVE RECORDS -- OK
 VALIDATE -- OK
CASA VALIDATION REPORT -- OK
CHANGE STAGE -- OK
NEXT STEP-
EXIT
&
SEARCH LOS NO. & CLICK DISBURSAL DETAILS
NEXT STEP-
DISBURSAL DETAILS
PENDING DISBURSAL AMOUNT -- COPY & SCROL DOWN AND PASTE IN FRONT OF A/C NO. & ONLY TICK AMOUNT CHECK
BOX AND UNTICK OTHER CHECK BOX

NEXT CLICK-
SAVE
NEXT CLICK-
DISBURSAL REPORT
&
PRINT