- CO / BM visits property & confirms that the customer's residence/ Business premises.
- Internal valuer performs valuation of the property.
- Operations team reviews 13 year or more title deeds to ensure valid ownership.
- Company registers all mortgages with CERSAI
- Field investigation of neighbors'/colleagues
- Personal discussion by CO and branch manager with applicant
- CIBIL check and Bank account verification
- Family income, obligation & disposable income assessment
- CO Visits place of business to assess cash flow and margins
- Confirming that the end-use of the funds could be verified.
- Ensuring that applicant’s business is not in the negative list.
- Reference check/ Vintage check about the line of business activity that prospective customer was involved in it.
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