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