Approach for Gradation of Risks

All “Borrower/s” on the loan facility are hereby informed that the company has the following approach and considers following factors for assessing gradation of risks for each Borrower:

  • Profile, financial stability, and market reputation
  • Credit history and duration of relationship with the Borrower
  • Group strength, overall customer yield, future potential, repayment capacity based on cash flows and other financial commitments
  • Interest, default risk in related customer segment
  • The security for the loan as represented by the underlying assets
  • Loan to value ratio
  • Mode of payment
  • Tenure of the loan
  • Geography (location) of the Borrower
  • End use
  • RBI guidelines

Other laws or any other factors on a case-by-case basis, as applicable.

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