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DBR

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44 views3 pages

DBR

Uploaded by

Suguna
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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IDFC FIRST Bharat Ltd.

, Viyapar Viruthi Loan


BRANCH DETAILS LOAN DETAILS
LAN No 603168807 Loan Purpose Studio Business
Caution Area No Approved Loan Amount 2,01,000
Date of Loan Applied 02/01/2023 Loan Tenor 42
HOUSEHOLD MEMBERS (Adult/Child) 3 2 Loan Interst - Unnati 24.0%
Customer Segment App Relationshi Co-app-1 Co-app-2
APPLICANT NAME SIVASANKAR K p with App. Spouse
INCOME & EXPENSES
BUSINESS RELATED HOUSEHOLD RELATED
Ap/Co TN # Dairy Income Expenses Heads Income Expenses
App Cow(Desi) - - Food Expenses 4,500
App Cow (Hybrid) - - Other Expenses 2,500
App Buffalo(Local Breed) - -
App Buffalo ( Hybrid) - -
App Photo Studio & Video Coverag 74,000 Total Household Income & Exps. - 7,000
Xerox & online Service income 25,000 Existing Obligations 29658
Rent & EB 12,000 DBR
Labour Salary (3*15000) 45,000 Existing Obligations (EMI) 29,658
Co-App Idiyappa Kadai Income 48,000 Proposed Obligation (EMI) 7,119
Rent & EB & Labour Salary(50 28,000 Net Income (Tot.Inc. - Tot.Exps. - Cont.Exps.) 62,000
Total Biz Income & Expenses 1,47,000 85,000 Debt Burden Ratio (DBR) 59.32%
Applicant is doing Studio & Video Coverage business in Rental place for more than 20 years, and current palace for past 2 Years in the name of Shankar Studio and Co
Applicant residing with her family has owned house which is in the name of Co Applicant Mrs. Lakshmi (Online EB Verified)
Applicant currently staying at rental house for past 5 years for his secondary business purpose.
Applicant Doing all functions & Events photo & video coverage in his local area peoples.
He is doing Xerox and online Service and Video Mixing, Designing works, Invitation work and digital painting works in his business place.
He is involved 3 Employees are in this business. And he is Getting per month around 12 To 15 functions and doing around 1.50L turnover.
Co Applicant additionally doing Idiyappam kadai in her rental residential place for past 5 yaes.
She is having 2 Shops like this. And she is involved 3 employees involved in this business.
She is selling Idiyappam, Kozhakattai, Rice Puttu, Kuzhi paniyaram, Sweet Paniyaram Etc...
Per day she is doing 5k Sales transaction and getting 40% to 50% profit margin.
Referral check and Neighbour check is positive.
Applicant and Co applicant having good repayment history with other loans.
Service profile- Recommending loan Rs.2.01 Lakhs for customer request and EMI comfort.
Applicant having Good Residence & Business Stability.
Family member count can’t able to modify due to SFDC Common error.
L1 Deviation – Co App | Type: JLG Loan| FI : Muthoot Microfin Ltd | Status : Closed | OD: 2280 | Peak DPD : 62 (Period: Oct 2022) | Last DPD: 61 (Period: Nov 2021)
nd Coverage business.

021) | #instance in last 12 months: 11 | Reason – Applicant EMI paid method is every week 1 st day But Applicant paid her EMI on Every month 1st week for that month E
nt paid her EMI on Every month 1st week for that month EMI, Same has been reflected as DPD. Now loan was closed.

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