Tata Enext

A REPORT ON
“Financial Loan & Credit Processing”
At
10 Wood Street Kolkata-700014
As a supplementary fulfillment of the Summer Training

Programme conducted
from 1STJULY to 31ST August 09 as a part of the M.B.A.,
(Two year fulltime course 2008-2010.)
Under the Biju Pattanaik University of Technology
ROURKELA, ORISSA
SUBMITTED BY
PRASENJIT GANGULY
REGISTRATION NO: - 0806242119
ACADEMY OF BUSINESS ADMINISTRATION
KURUDA, BALASORE, ORISSA
[INTERNAL GUIDE]
[EXTERNAL GUID]
PREFACE
1 ACADEMY OF BUSINESS ADMINISTRATION

For a study of Master in Business Administration practical exposure is necessary
for the accomplishment of
Knowledge in the area of personnel management.
Being a management student, practically relating to various conditions prevailing

in various fields is a must.
Undertaking a project work would provide us a better catch of the corporate

world.
That is why, undertaking of project is compulsory in MBA curriculum of Biju

Pattanayak University of Technology.
As such, this project has been prepared to meet the necessary requirements and
sincere attempt has made to
Identify the financial loan & correlation with credit processing.
DECLARATION

I, Prasenjit Ganguly, a student of Academy of Business
Administration, Balasore, doing MBA 4th trimester want to
declare that the project report entitled “Financial Loan & Credit
Processing” has been completed by me under the guidance of
Dr. H.K.Panda, Principal of our College.
I have not submitted the report elsewhere for any academic

purpose.
PRASENJIT GANGULY
MBA 4th
TRIMESTER
AB
A, BALASORE
Acknowledgement

It is indeed a great pleasure as well as an experience working in your esteemed
organization as a summer trainee. The experience of working on this project
altogether cannot be explained in a limited space.
Acknowledgements are not the full expression of one’s gratitude towards the
person whose help is acknowledged.
Though language is an inadequate medium to express one’ sentiments it is the

only way one can recall one’s grateful indebtedness to once benefactor.
Words are boundless to express my heartfelt gratitude and thanks to Mr.

NILANKUR (HR Regional Head) for giving me the opportunity to work in the
reputed organization like E-nxt. I would like to thank Mr. Kishan Rathi my
company guide for his invaluable guidance and inspiring suggestion and would
like to put on record my deep sense of gratitude towards NIROJ who helped me
throughout my project. I also thanks to them for the facilities provided by them
in the office premises. I would wholeheartedly thank all the team members of
CPA who helped me a lot in making my project and teaching the process of the
company.
My Sincere thanks also to Dr. H.K. Panda (Principal) who was with me for the entire
two month of the project, providing valuable guide and support whenever
required. Finally I express my sincere and whole hearted gratitude to all my
friends who have encouraged and helped me during this project work.
PRASENJIT GANGULY
MBA 4th TRIMESTER
ACADEMY OF BUSINESS ADMINISTRATION, BALASORE
CONTENTS
Chapter Title Details Page No.

No.
Chapter 1 Introduction

Chapter 2 Objective of the project
Chapter 3 About the company About E-nxt Ltd
Quality Policy
Quality Excellence
Services
Chapter 4 Client of E-nxt:
A)TATA Capital About the company
Tata capital products Brief of all the

products
Area of service
Auto Loan About the auto loan
Market Size
Customer
Segmentation
Eligibility Criteria
Customer profile
Approved vehicle
Credit process
Collection & Action
Repossessed car sale

process
Legal strategy
Personal Loan About the personal

loan
Need for personal loan
Customer
Segmentation
Credit Process

Business Loan About the business
loan
Customer
Segmentation
Credit Process
Documents
B) TATA Motor Finance Company background
Company products
Eligibility & documents
Chapter 5 CPA CPA role
CPA process
Chapter6 SWOT Analysis
Project Report
REFERENCES

Chapter-1 1
INTRODUCTION
In today’s world, loan is very important for every person, as it is

not possible for all people to invest money or capital from own
pocket. Loan helps them to fulfill their objectives. Here we are
dealing with business loan, personal loan and auto loan. For all
this proper documentation is very much needed. It is not
possible for all people to purchase car or any vehicle with his
own income, in this inflation market. So loan helps to fulfill the
demand of the person.
WHAT IS LOAN ALL ABOUT
A Loan is a type of debt. All material things can be given on

loan but we will restrict our discussion on monetary loans. Like
all debt instrument, a loan entails the redistribution of financial
assets over time, between the lender and the borrower.
The borrower initially receives an amount of money from the

lender, which they pay back, in regular installments, to the
lender. These services generally provided at a cost, referred to
[Type the document

title]
OBJECTIVES OF THE STUDY

The main objective of this project is to undergo 2 months / 8
weeks Summer Internship Program of my MBA Degree Course
under Biju Pattanayak University of Technology, from Academy
of Business Administration, Balasore.
This project offers a valuable opportunity to take a glimpse of

the financial loan with their credit processing. In proving a loan
there are many things which have to be kept in mind like low
EMI, rate of interest, then proper documentation ,tenure. There
are lots of different policies for different types of financial loan.
These needs to be known properly for functioning of the
business.
The project has been undertaken to learn the credit processing

and know the policies of the different financial loan. Knowing
the about the policies of the different loan would be very much
helpful in understanding the business process and fluently
work on it.

Chapter-2
About the company
2
E-nxt Financials LTD
E-nxt is committed to become the service provider of choice by

creating customer delight in all its services offerings. E-nxt is
enriched by a rich blend of skilled people proficient process and
sophisticated technology.
E-nxt is a share partner group. IT is known as e-nxt Financials

Pvt Ltd.
E-nxt has various clients serving various purposes in various

fields, mainly into KPO (knowledge Process Outsourcing), LPO
(legal process outsourcing), and BPO (business process
outsourcing) .So within Tata e-nxt does the legal process
outsourcing for them. E-nxt does the outsourcing for both the
TATA CAPITAL & TATA MOTOR FINANCE.

E-nxt does processing through a department called CPA (Credit
Processing Analyze).CPA is a part of E-nxt Pvt. Ltd. which does
all the processing part.
It’s a Tata enterprise. There is 4000+ employees all over India.

There is 160+ Locations in India .It’s a pan India presence.
E-Nxt Financials Pvt. Ltd is a professionally managed BPO

company for Tata Motor Finance. E-Nxt is dedicated to provide
high quality services with respect to Marketing, Collection and
operations. Our aim is to be the best service provider in areas
of marketing, customer relations, collection and operations. We
have a team of committed professionals, speeded all over
India, with strength of more than 1000 employees, poised to
double in next year.We have ambitious plans for future. To be a
part of rapidly growing team.
QUALITY POLICY
Strive to proactively understand and deliver on customer

needs and expectations.
Strive for innovation and excellence in processes and
service-design
Deliver robust and effective solutions supported by
processes, systems and data integrity.
Strive towards creating a learning organization and
contiguously improve the skill levels for delivering
customer delight.
Quality Excellence aims at

Processes based best practices for all the elements,
across entire lifecycle of an outsourcing engagement.
Matching security infrastructure in with BS7799line.
Define Business Continuity Management systems
(BCM) covering the critical components of e-Nxt.
Achieve operational excellence by adopting Six Sigma
driven process improvement methodology.
SERVICES
E-Nxt financials ltd A Tata Enterprise helps client to leverage

market potential in gaining competition advantage.
E-Nxt combines core competencies with deep domain

knowledge and process expertise to deliver measurable value
to clients.
E-Nxt is a enterprise solution providers with the foremost

objective of delivering value added services to ensure
customer experiencing success.
Our service caters to end to end sourcing & managed services,

backed by process excellence & analytic insights.
Services are as follows

➢ Finance & Accounting
➢ Legal Processing
➢ Operations
➢ Process Consultancy
➢ Research & Analytics
➢ Sales & Marketing
➢ Voice Support
➢ Human Resource
➢ Quality Engineering

Chapter-3
FINANCE & ACCOUNTING

3
We offer life cycle solutions to finance and accounting
requirements of our clients. Our expertise in Manufacturing,
Finance and Hospitality industries helps our clients experience
improved efficiency and reduced cost. Our Financing and
Accounting Services (FAS) encompasses entire range of
services from simple individual transaction to complex

enterprise wide accounting. Our FAS offerings are backed by
process excellence and quality engineering modules thereby
ensuring stringent standards.Our onsite as well as
offsite models are built in tandem with client
employees and our team works as an extended
arm sharing its domain expertise to deliver value
added services. While we provide a full range of
finance and accounting services, depending on client’s
requirements, we are flexible in matching their priorities. Few
clients are offered simple functions, such as accounts payable
or Order to cash, others are offered a bouquet of services such
as Hire to Retire, Order to Cash, Procurement to Payment and
Enterprise wide financial services.
Transaction Processing Services
Hire to Retire
Trust Fund Accounting (PF, Superannuation and

Gratuity Accounts).
Procurement to Payment.
Assets Management System.
Order to Cash
Recording, Reporting, Taxation and Treasury:
Record to Report.

Accounts Preparation.
Sourcing to Utilization.
Analysis & Planning
LEGAL PROCESSING
Our LPO services offer Litigation Support, Paralegal Services,

Legal Transcription and Legal Coding to corporates, law firms
and clientele of diverse business. Our services are aimed at
providing economies and efficiencies in first level document
review and support clients across their value chain.
Our team of lawyers, attorneys and paralegal experts help

clients in reviewing vast amount of data and ascertain its
relevance by our services suite of Due Diligence, Drafting and
Documentation, Legal Research and Analysis and Litigation.
This enables the clients to handle voluminous of data and use it
to prioritize as per its importance.
Our expertise in U.S., UK, Africa and Middle-East Laws helps our
clients in Drafting, Reviewing and Summarizing Contracts
besides advising clients to draft relevant legal brief as per
Jurisdictional requirements.
OPERATION
We cater to Receivables Management by reconciling cheques

and payments there by improving accuracy of our client's
business. The operations process tracks timely collection of

cheques and other payment instruments by sorting, matching
paid cheques to the cheque register and bank statement.
We reduce errors through automation and provide

comprehensive information on day-to-day chequing process.
Our client-specific tailor made solutions on cheque information
between the client and the bank helps to succeed in business
without the hassles of daily tracking.
Our system reduces operational challenges in recievables

management (including daily, weekly, monthly, and quarterly)
effectively. Our book keeping services identifies errors and
inconsistencies that would
require correction by verifying
the accuracy of each account.
The industry we cover ranges

from Automotive Finance to
Hospitality Industry. For each of the industry we cover across
diverged range of clients and our domain experts make sure
that each client always receive quality services.
Our experienced team of CAs / CPA's / ICWAs and accounting

personnel proficiently manage all accounting processes. Our
services helps clients to utilize our domain knowledge and best
practices.
PROCESS CONSULTANCY
e-Nxt as your partner, offers a variety of process consultancy
services to help you identify the right solution. Your company
needs optimum solution across all the processes to leverage

your core competency. e-Nxt works on effective measures in
creating maximum impact and optimum resource utilization to
your operational procedures. Our successful process
engineering with TATA Groups has brought in unique
capabilities.
e-Nxt enables enterprise with professional process engineers

generating appropriate process flow, suitable to your scale of
business. Whether it is process reviews, or scheduling or
process optimization or identifying new fundamental process,
we help you optimize your resource and streamline your
operational flow. Our know-how and
methodology are unique to each
client and we believe in providing each a
distinctive advantage. e-Nxt as your
strategic process consultant, work in
tandem with your operational and
functional teams to guarantee you to
bring in the best practices in operational efficiency
• Change Management
• Process Deployment
• Process Improvement Cycle.
• Evaluation of Process Parameters.
• Evaluation of Capabilities.
• Operational Procedures.
• Batch Execution.
• System Interfaces.
RESEARCH & ANNALYTICS

e-Nxt offers an integrated knowledge service sourcing,
specializing in Enterprise Analytics, Financial Research and
Strategic Advisory. The comprehensive range of services
provides an end-to-end research & analytics offerings to client
enhancing their consumer and business decision. e-Nxt’s
integrated business and market intelligence provide the
client a holistic view of their business and offer actionable
strategic insights.
Derivatives & Enterprise Strategic

Equity Research Analytics Consultancy
The Enterprise The Strategic
Analytics helps Advisory services
The Financial clients to look helps client to
Research supports beyond hindsight of understand its
clients with Business the internal customers thereby
and Investment database. catering to their
Research. The Predictive modeling market-driven
solution offers with statistical thinking. It helps
Company Research, precision facilitates them to have a
Industry Analysis, far sight, thereby contextual
Financial Database making enterprises intelligence
and Research to see shape of
things to come

Industry Risk
Growth Consultancy
Research Consulting
Business Financial
Market Planning
Research Analytics
Company Market
NPD Assessment
Research Analytics
Economic Customer
Market Entry Strategies
Research Analytics
Derivative
HR Analytics Financial Advisory
Research
Hedge Fund Spend Technology Risk
Analytics Analytics Consulting
Portfolio
Risk CATI / CAWI
Modeling
Quant Based
Qualitative/ Quantitative
Model
Research
building
SALES & MARKETING
Accelerating business results, generating more leads and

ultimately increasing sales are the key focus of any sales and
marketing initiative. e-Nxt works on effective measures in
creating maximum impact and business return to sales and
marketing initiatives. e-Nxt enables enterprise with professional
sales people generating prospects. Whether it is for go-to-
market strategy, or sales lead generation or order fulfillment or
sales channel management, e-Nxt facilitates to make it
happen. e-Nxt's successful sales partnering in automotive
industry has given a pan-India reach with 160+ locations. e-
Nxt offers an end-to-end sales solution going beyond the
following scope.

Direct Selling Channel Selling Interactive Selling
Reach to your Increase customer Reduce sales risk with

customers across value by targeted multi targeted selling
the country with our channel campaigns interactively using our
sales warriors and and increase the scope face to face channels,
widen your sales net for prospective sales voice support and digital
effectively and lead. marketing
instantly with communication.
certainty.
e-Nxt as your strategic sales partner, work in tandem with your
sales team and provide you an integrated impact selling.
Typically your products & services require a strategic sales
effort. Whether it is a commodity product or services , the
selling requires a sales team with an apt approach that goes
beyond telemarketing. We provide a portfolio approach to
your unique sales line and bring in certainty onto your bottom
line.
VOICE SUPPORT
We help our clients from diverse industries to reach their

customers across various channels. We serve by linking each
clients across the value chain right from lead generation to
customer retention. Our inbound and outbound voice
support caters to the following verticals across the entire
customer life cycle.
Services Industries

Customer Banking and
Acquisition and Financial Services
Sales - Credit Cards
- Retail
Customer Care and - Mortgage
Retention Insurance
Telecom
Customer Data Durables
Management Automotives
Each of our touch points strives for ensuring customer delight

thereby making voice support a personalized service. Due
to our seamless interactive service in a single window, voice
support is followed with personalized door to door service.
This is made possible by our PAN India reach supported by both
voice support and physical presence across 160+
locations.
Our Call Centers are equipped with state-of-art technology to

ensure customer care and enterprise support. Timely
Monitoring of our Dialer MIS ensures that all productivity
parameters are constantly met.

E-Nxt is a TATA Enterprise
TATA GROUP
Accelerating business results, generating more leads and

ultimately increasing sales are the key focus of any sales and
marketing initiative. With e-Nxt as your partner, experience
success in your sales and marketing activities. Your company
needs maximum return on each interaction with your
customers, partners and resellers. e-Nxt works on effective
measures in creating maximum impact and business return to
your sales and marketing initiatives.
Founded by Jamsetji Tata in the 1860s, the Tata Group's early

years were inspired by the spirit of nationalism. The Tata Group
pioneered several firsts in Indian industry including India's first
private sector steel mill, first private sector power utility, first
luxury hotel chain and first international airline.
In more recent times, the Tata Group's pioneering spirit

continues to be showcased by companies like Tata Consultancy

Services (TCS), Asia's largest software and services company,
and Tata Motors, the first car maker in a developing country to
design and produce a car from the ground up.
The business operations of the Tata Group currently encompass

seven business sectors engineering, materials, energy,
chemicals, consumer products, services, and communications
and information systems. The scale of the Tata Group's
operations is increasingly turning global. Tata Tea was the first
Indian MNC in the global tea industry; Tata Steel is one of the
world's lowest cost producer of steel; Tata Chemicals is one of
Asia's largest manufacturers of soda ash; Titan is one of the
world's top six manufacturer-brands in the watch segment and
Tata Motors is amongst the top six commercial vehicle
manufacturers in the world

The Tata brand is recognised in India as the largest homegrown
brand and the most respected brand. The Tata Group's stable
of brands also includes many national and some internationally
renowned product and service brands, including Tata Indica,
Tata Indigo, Indigo Marina, Tata Safari, Tata Indicom, Taj Group
of Hotels (luxury, business and leisure), indiOne, Tata Tea,
Tetley, Tata Salt, Tata Steelium, Tata Shaktee, Tata Tiscon,
Tata Bearings,Titan, Tanishq, Voltas and Westside
By combining ethical values with business acumen,

globalisation with national interests and core businesses with
emerging ones, the Tata Group aims to be the largest and most
respected global brand from India whilst fulfilling its long
standing commitment to improving the quality of life of its
stakeholders.
Clients of E-nxt financial Ltd
There are two clients of E-nxt financial Ltd Tata Capital & Tata
motor Finance. E-nxt does the outsourcing for them.
A) TATA CAPITAL
Tata Capital is a finance company that fulfills the financial

needs of retail and institutional customers in India. It was
established in 2007 as a wholly owned subsidiary of Tata Sons
and is registered with the Reserve Bank of India as a
systemically important non-deposit taking non-banking
financial company (NBFC).
The company is focused on providing multiple financial services
through an extensive network of over 1,000 customer touch-
points covering tier I, tier II and tier III cities.
At Tata Capital, it provides loans for new and used vehicles for
both commercial and personal usage. It provides loan for
all types of vehicles. Unique schemes based on low EMI, low
margin money, attractive rate of interest, quick documentation
and quick disbursal make Tata Capital the best choice in
financing your dream drive.

Tata Capital marks the entry of the Tata Group into a host of
new financial services. The Company caters to multiple
needs of the retail and institutional customer – truly a one-stop
shop, be it investment or finance. Tata Capital brings the
trust and expertise of the Tata Group into the world of financial
services. It aims to be recognized for its customer-centricity
and high service standards. The Company is driven by a strong
focus on value creation for stakeholders and the society at
large.
Tata Capital marks the entry of the Tata Group into a host of
new financial services. The Company caters to multiple
needs of the retail and institutional customer – truly a one-stop
shop, be it investment or finance.
Tata Capital brings the trust and expertise of the Tata Group
into the world of financial services. It aims to be
recognized for its customer-centricity and high service
standards. The Company is driven by a strong focus on value
creation for stakeholders and the Society at large.
Tata Capital’s Products:
PERSONAL
LOANS
CAR
LOANS
DISTR
IBUTION $ BROKING
WEALT
H MANAGEMENT
PRODUCTS
SME FINANCE

C
APITAL MARKETS
PRIVATE EQUITY
INSFR
UCTRUCTURE FINANCE
PRODUCTS IN BRIEF
A) RIGHT LOANS
Loans are so that the things you want to achieve today,

are not put off for tomorrow.
We cater to all your financing needs by ensuring that your

loans with faster processing, attractive interest rates and
minimum documentation.
1. Auto Loan: Nothing should come between you and your

dream vehicles. That’s why we provide loans for purchasing
new or used cars.
2: Personal loans: Realize your dreams with personal loans of

up to 15 lakhs. You can also take advantage of our flexible
repayment tenure to pay off existing loans.
3. Home Loans: You can avail loans from Rs 2 lakhs to 2

corers to buy your new home. You may also avail loans for
your home improvement needs.

4. Loan against property: Let your home now give you
greater rewards with our loan against property offering.
B: THE RIGHT INVESTMENT OPTIONS
“When you want to have enough for today, as well as

tomorrow.”
1. MUTUAL FUNDS: Backed by thorough research, our in-

house team offers advice that can help you choose and invest
in the most suitable mutual fund schemes.
2 .FIXED DEPOSITES: For those of you who wish to add an

element of stability in your portfolio; we recommend Fixed
Deposits from selected companies.
3. IPO: We can help you in creating &expanding your equity
base through subscriptions in Initial Public Offerings (IPO’s)
4. BONDS: If you are looking for capital gains or diversifying
your portfolio, we offer a selection of bonds you can choose
from. As comprehensive financial service provider, TATA Capital
also extends these services.

5. SME Finance: To provide you with finance related expertise
to ensure that your business venture successful.
6. Private Equity: To add value to companies, by leveraging
upon the knowledge, network, people, brand, and institutional
relationship of the Tatas.
7.INSFRASTRUCTURE FINANCE: To facilitate the financing of
construction equipment & refinancing of used equipment.
8. INVESTMENT BANKING: To provide you with value added
financial advice & assist you in strategic transactions.
Areas of business
Tata Capital has financial products and services in the following

seven sectors:
DISTRIBUTION & BROKING

RETAIL FINANCE
RURAL FINANCE
SECTORS
COMMERCIAL FINANCE
WEALTH MANAGEMENT
INVESTMENT

BANKING
PRIVATE EQUITY
1. Distribution and broking: Third-party investment

products, equity and commodity trading for retail and
institutional customers.
2. Retail finance: Passenger and commercial vehicle loans,

used car loans, personal loans, home loans, credit cards and
consumer durable loans for retail customers.
3. Commercial finance: Financial products for small and

medium enterprises, and project finance for capital equipment
and infrastructure.
4. Investment banking: Advisory and debt and equity market

products for corporate and small and medium enterprises.
5. Private equity: Investments in India and other countries.
6. Wealth management: Suite of advisory and investment

offerings for high net worth individuals.
7. Rural finance: Relevant financial products for rural

customers, including financing of farm equipment, agricultural
inputs and agricultural enterprises.

The company has entered into an understanding with Japan-
based Mizuho Securities Co to promote an alliance in private
equity, investment banking including cross border merger and
acquisition, securities business including broking and
distribution, structured finance and other business areas such
as wealth management. It has also entered into an
understanding with Equifax Inc and CRISIL to develop plans to
create a credit information company in India.
E-nxt deals with three products of TATA Capital.
Products are as follows:
• AUTO LOAN
• PERSONAL LOAN
• BUSINESS LOAN

AUTO LOAN: Nothing should come between you and your
dream vehicles. That’s why we provide loans for purchasing
new or used cars.
CAR INDUSTRY GROWTH:
 Growing Economy
 Changes in demographics people prefer to use lifestyles
products.
 Increasing literacy level.
 Changing regulatory environment with reduction in excise
duties.
 Easy availability of finance and Indian customers are no
longer averse to concept of taking loan for buying vehicles
 Increasing “Consumption “mindset in India.
 Organized used car business.
IMPORTANT ATTRIBUTES WHILE PURCHASING A

VEHICLE
Price
Fuel Economy

Brand Perception
After Sales Service
Re Sale value
SOME CAR MANUFACTURER AND THERE SELLING VOLUME

FY 08- FY 07- FY 06- FY 05- FY 04-
09 08 07 06 05
Manufacturer Name
Maruti Udyog 71712 70279 63238 52213 48217
6 6 3 2 9
Tata Motors Ltd 19972 21475 22689 18905 17918
5 7 5 5 9
Hyundai Motors India Ltd 24379 21649 19526 15901 14202
8 5 5 8 4
Mahindra 10662 11715 75367 67445 51013
1 5
Toyota Kirloskar 46892 55322 51383 46241 43060
Honda Siel Cars India 52457 62821 61406 42812 37587
Ltd
General Motors India Ltd 61187 66543 38857 30738 29172
Ford India Pvt Ltd 28006 33877 41799 29034 27259
Skoda Auto India Pvt Ltd 13894 13463 12494 10115 7246
Hindustan Motors India 3622 4394 4078 2443 2184

Ltd
Daimler Chrysler 3343 2758 2183 1584 1775
Fiat India Pvt Ltd 7954 3353 2848 854 5409
BMW 2487 2233 121 0 0
Nissan 138 520 258 149 0
Others 4538 2138 1078 0

If the Market size plotted into a diagram ,it will be follows:

CUSTOMER INSIGHTS
Customer Segment
Customer Segmentation can be defined as the

practice of dividing a customer base into group of individuals
that are similar in specific ways relevant to marketing, such as
age, gender, interest, spending habits and o on.
Using segmentation allows targeting groups

effectively, and allocating marketing resources to best
effective.
Customer Segmentation
Auto Loan
SALARIED SELF EMPLOYED

NON INDIVIDUAL
Pvt./Public
Ltd. Co. Partnership Firm
SMEs, Traders Professionals,

Doctors, Architects, CAs
Employees of Public/ Pvt. Ltd. Companies,

Govt. Institutions, PSUs

Salaried: This segment is an individual working with Public Ltd
or Private Ltd. companies and Government employees.
Eligibility Criteria for the salaried:
This segment as defined in the policy is an individual working

with public ltd or private ltd companies and government
employees.
.An individual who meets the KYC norms

An individual having a minimum income of Rs 20000.
An individual having a residence stability of 1 year and
office stability of 2years
An individual having an average bank balance which is 2
times the EMI amount.
Eligibility Criteria for the NON INDIVIDUALS
This segment comprises of all individuals like partnership firms,

corporate.
Eligibility Criteria for the SELF EMPLOYED
This segment as defined in the policy is an individual who is

earning his livelihood through self employment.
 An individual who meets the KYC norms.

 An individual having a minimum income of 200000
 An individual having a residence stability of 1 year and
office of 2 years
 An individual having an average bank balance which is 2
times the EMI amount

Customer Profile (Approved Borrower Profiles)
•Salaried Individual •Private and Public Limited

•Self Employed Companies
Individuals(Proprietor, •Others((Trusts, HUF and
Partner, professional and Societies ( excluding credit
Director) society))
•Partnership firms
Special Profile Special Profile
A(Not eligible for loan) B(Eligible for loan)
•Policemen (excluding IPS •Restaurant and Bar owners
cadre) •Chit fund and Nidhi companies
•Politicians •Class iv employees including
•Contractual and part time peons and helpers etc
employees •Employees working in
•Time share, Motel and proprietary concerns and
holiday companies partnership firms.
•Plantation companies •Real estate brokers and
•Video par lour operators contractors
•Internet Café’s •Film industry professionals
•Bar Owners (Excluding pub includes- Actors, Directors,
and restaurant & Bar Financers, Producers,
category) Distributors and all employees
•Single digit Lottery working in the same industry.
•Money Lender •STD and photocopier centers
•Automobile mechanics •Building marital suppliers
•Multi level marketing including sand operators
•Dotcom companies •Wine Merchant- wholesale &
retailers
•Finance companies and
financial service agencies,
Agents and dealer including DSA
and their employees
•FI agents and all verification
agents

•Commission agents share
brokers and sub broker
•Spare part dealer
Approved Vehicle Category
Category A All manual transmission variants of M-800, M-Alto, M-

Cars Wagon R, Estello, Spark, Santo, Swift (petrol), i10
Hyundai.
Category B All manual transmission variants of- Esteem, Honda
Cars city(Auto and manual transmission), Accent(petrol),
SX4, Swift(diesel), Verna (petrol &diesel), Ford
Icon(petrol), Getz, UVA, Taverra, Optra (petrol),
Scorpio, Skoda Octavia, Mahindra Logan (petrol &
diesel, Ford Fiesta(petrol), Omni, Fiesta (diesel),
Toyota Innova
Category C Sonata, Corola, Cedia,Honda civic, CRV All LPG/CNG
Cars vehicles Elentra, Ford Fusion(petrol & diesel), Optra
(diesel), Getz (diesel), Versa, All other version of
Skoda
Category D Honda, Accord, Vitara, Camry, Endeavour, Teracan,
Cars Mercedes-all variants, Pajero, Hyndai Tuscan, Nissan-
all variants, Volkswagen-all variants, BMW,
Audi,Bentley, Volvo,
Category E Bolero, Tempo Trax, Ambassador
Cars

Credit Processing of Auto loan
STEP 1: DEAL IS FINALIZED
Basic documents of applicant & co applicant collected:
a) Residence Proof
b) Identity Proof
c) Income Documentation
d) Signature Verification
e) Application form
f) Bank Statement
g) Photograph ID
Step 2: FILED LOGGED
a) conduct field Investigation as per verification process

b) FI report submitted to CPA
c) CPA verifies the documents communicates discrepancies if
found
Step 3: Internal Data check & entered the data in MIS
Step 4: CIBIL & De-dupe
Step5: RCU check (Risk controlling Unit)
A) Screened: all documents is OK

B) HOLD:
C) Sampled;
STEP 6: CAM PROCESS: Prepares cam and submit for

credit approval & updating in MIS
STEP 7: Approval

a) Approved
b) Declined
c) Pre docs
TYPES OF COLLECTION
 IN HOUSE COLLECTIONS
– Tele calling
– Mail , Sms etc
– Visits
 COLLECTION AGENCIES
– Tele Calling
– Visits
– Repossessions
 LEGAL
– Notices
– Suit for cheque bounces (Section 138)
– Criminal Suits
– Settlements
THE BUSINESS GROWTH OF NEW CAR FINANCE
Repossessed Car Sale Process

All vehicle in inventory where pre sale notice has expired and
any surrendered car will be eligible for sale
Actions taken to liquidate the collateral from a default must be
responsible in manner and should uphold the interest of all
parties.
The guidelines to govern this process are given below:
Appoint a minimum number of dealers (by market size) in each
city in order to have a large bidding universe.
Open up the bid process to other individuals and make it
transparent
Define methods and controls to ensure bid evolution process is
transparent
Improve data collection and define review cycles.
Define time line of each activity.
No TCL employees or their family members may purchase
repossessed automobiles sold by the TCL to recover
outstanding due. This will also cover empanelled collection
agencies, verification agencies, valuers, and sourcing
dealers /DAS or their associate entities.
Where ever online service provider is available the sale of the
repossessed vehicle should happen through them.
The online auctioneer circulates the list of the repo vehicles to
the respective bidders. The prospective bidders post inspection
of the vehicle submits the Earnest money Deposits (EMD) to the
auctioneer before participating in the auction. Winners are
instructed to pay TCL and take release of the vehicle.
Where online auction is not available each unit to have a
minimum number of three dealers for sale of repossessed cars.

All approved dealers are to be invited for bidding. Bids to be
allowed only with EMD to the tune of 25k for segment A&B cars
where as 100k for others.
Authorized letters to bidders will be issued by coll. Manager for
car inspection at the go down.
If sale is made with less than three bids it would require the
approval of RCM. If a sale is to be made on a single/sole bid,
than there must be a approval of Head- Collection or assigned
officer in CRM.
All bids receive are to be tabulated and consolidated.
All bids (valid/invalid/ successful/ unsuccessful) must be
preserved in a file.
Any exception to the above process needs to be documented
and approved by RCM.
For every car sold, a letter for Repossession vehicle sale cum
delivery letter must be obtained form the empanelled dealers/
buyer.
THE BUSINESS GROWTH OF USED CAR FINANANCE

Legal Strategy
An outline of the litigation strategy is detailed below for

reference
Litigation Strategy
S.No DP Action MOB OD Deviati

D Value on
1 30 Std Dunning All >=5k RCM
2 45 CIBIL Dunning All >=5k RCM
3 75 Sec138, NI All >=15k LCM

Act/sec138/sec25(ECS)
4 75 Arbitration wherever All >=15k LCM

sec138/sec25
proceeding are not initiated
Regional Collection Manager will hold all deviation

authorities and could step up or tone down the
intervention on exceptional accounts.

PERSONAL LOAN
An unsecured loan is a loan that is not backed by collateral.

Also known as a signature loan or personal loan.
Unsecured loans are based solely upon the borrower's credit

rating. As a result, they are often much more difficult to get
than a secured loan, which also factors in the borrower's
income. An unsecured loan is considered much cheaper and
carries less risk to the borrower.[citation needed] However,
when an unsecured loan is granted, it does not necessarily
have to be based on a credit score. For example, if your friend
lends you money without any collateral, meaning something of
worth that can be repossessed if the loan isn't repaid, then your
credit score has zero to do with it, but rather the value of your
friendship is at stake. Therefore the real meaning of an
unsecured loan is that it is not backed by any object of value
and is lent to you based on your good name. For financial
institutional purposes, they may want to look at your credit
score because they are not your friend and it is strictly a
business transaction, therefore your good name may be

associated with your historical payment history on prior debt,
reflecting in your credit score.
NEED FOR PERSONAL LOAN
A) Immediate, Unplanned Need
• Illness
• Marriage
• Admissions to school ,college
• Travel
B) Exceeding planned budget
• Renovation
• Construction
• Marriage
C) Assurance of Future Income
• Salaried, regular source

• Availability of other investments to fall back on in case of
any problems in repayment.
Eligibility of Salaried Segment
This segment as defined in the policy is an individual working

with public ltd or private companies and government
institutions.
PRODUCT ATTRIBUTES
Tenure 1 to 5 yrs.

Loan amount ranging Rs 1.50 Lacks to 15 lacks. (Min Loan
amount for corporate salaried segment to be 7.5 k)
Basic Eligibility
Age: 21 to 58 years (maximum- 58 years or retirement age

whichever is later at loan redemption (last month of EMI of
loan)
Minimum income Norms
• Rs 20000 for Top cities

• Rs 25000 for BPO /Software
Rs 15000 for TATA Employees
Residence Stability
1 year in current residence or 3 year in same city
If owned and proof available than 1 year
Employment Stability
1 year in current job and Total experience of 2 year
Banking Parameters
3 months bank statement of salary account. No EMI Cheque

bounces in last 3 month
Customer segment – Self Employed
This segment as defined in the policy is an individual who is

earning his livelihood through self employment
PRODUCT ATTRIBUTES
Tenure 12 to 48 months depending on customer profile
Loan amount 1.50 lacks to 15 lacks
BASIC ELIGIBILITY

Age between 23 to 65 years
25 years for self employment at loan origination
23 years for family owned business.
Maximum -65 years for self Employed and for Salaried58

retirement age whichever is later – at loan redemption (last
month of EMI of loan)
Minimum income is 2 lacks p.a. as per ITR
Residence Stability
1 year in current residence or 3yearsnin same city
IF Owned and proof available than 1 year
Business vintage of 3 years or business continuity proof of 5

years.
Eligible Co- Applicant can be spouse / mother/ father / son.
Loan eligibility is based on multipliers applicable.
Eligible CO-Borrowers
Spouse / Father /Son / Mother
Eligible loan is based on multiplier varying according to tenure

and company category.
CREDIT PROCESS
Login
FI
CIBIL DEDUPE
PAN CARD CHECK
TELEPHONE BILL CHECK
CAM PREPARATION
APPROVAL
CHECKING OF POST DOCS
FILE SENT TO OPERATION

CHEQUE COMES IN CUSTOMER’S
NAME
BUSINESS LOAN: BUSINESS Loan is the unsecured loan for the

business in the name of the firm.
CUSTOMER SEGMENT – NON INDIVIDUALS
This segment compromises of all non individuals like

partnership firms, corporate etc.
PRODUCT Attributes
– tenure 1 to 3 years.
– Loan amount ranging Rs 3 lacks to RS 35 lacks.
BASIC ELIGIBILITY
➢ Age between 21 to 58 years

➢ Minimum ITR to be 21 lacs for the latest year
➢ Minimum Turnover
Rs 20 lacs for professionals
Rs 10 lacs for service provider
➢ Profitability for minimum 2 years

➢ Minimum3 years in the same line of business
and operating from the same premises
Basic Eligibility – BUSINESS LOAN

OWNERSHIP OF PROPERTY
CO- applicant must own / parental residence/ office in his

name or jointly with family members. (spouse/ father/
son/ mother)
CO- applicant must provide ownership proof
Under construction properties / part paid properties not to
be considered ownership proof
TELE – CONTACT ABILITY
Residence & office landline / post paid well /post paid

mobile in use for minimum 6 months must.
Mobile number of CO- Applicant is mandatory
BANKING PARAMETERS
Last 6 months bank statement to be obtained and analyzed at

least 40% of previous year’s turnover should depict in 6
months current banking
Cheque returns should not exceed 8% of total cheques issued.
CREDIT PROCESS
CPA PROCESS
In Credit Approval, CPA process plays a vital Role, starting from

file logged into CPA to disbursal.
It consists of following Sub processes:
FILE LOGIN
LOCAL DE-DUPE
FI
CIBIL

RCU
CAM PREPARATION
CREDIT APPRAISAL
MIS UPDATION
STATUS UPDATION TO SALES
POST SANCTION TO SALES
FILE CHECKING
DISBURSEMENT
For all types of loan

LIST OF DOCUMENTS ACCEPTED AS A PROOF OF
IDENTITY, PROOF ADDRESS AND SIGNETURE PROOF
Custom Documents
er type
1) Recent Photograph
Individu 2) Identity Proof: for ID proof any of the
al following documents should be collected:
1) Valid PAN card (with photo and signature)

2) Valid Indian Passport (with photo and signature)
3) Valid Photo Ration card
4) Valid Voter’s ID card
5) Valid Permanent Driving License (with photo
and signature)
6) Valid IRDA license (with photo and signature)
7) Bank Pass Book with Photograph (should be
restricted to the scheduled commercial Bank
only)
8) Letter from existing banker (scheduled
commercial Bank) letter in original on bank’s
letterhead bearing the authorizing officer’s
name and signature along with the stamp of the

bank
9) RC Book with photograph
10)Property (including land) registration document

containing photograph, name, signature and
address
3) Correct Address: Any of the following

documents should be collected as a address proof (
This should correspond to the address mention in
the application form)
1) Valid Indian Passport
2) Valid Permanent Driving License
3) Valid Voter’s ID with complete address
4) Property tax bill/receipt/House tax challan
5) Property (including land) registration document

containing photograph, name, signature and address.
6) Valid Ration card with complete address.
7) Latest IT ASSESSMENT Order/Acknowledgement copy
of IT return.

Individ 4) Signature proof : Any of the following
ual documents should be collected as Signature
proof:
1) Valid Indian Passport
2) Valid PAN card
3) Valid Permanent Driving License
4)Photo Credit Card / Photo Debit Card bearing

signature of the applicant
5) Banker’s letter / verification Letter
6) Valid Ration card with signature
7) Property (including land) registration document

containing photograph, name, signature and address
I)KYC as per individual for the proprietor and
II) KYC of the business: to verify the name and

address of the business any of the following
documents are collected.
( This should correspond to the address mention

in the application form)
Proprie 1) Shop & Establishment Act certificate.

tor 2) Latest Sales Tax/Excise/ Service / Custom
ship /Income/Wealth Tax assessment order.
3) Sales/Excise Tax/ Service tax registration
certificate.
4) Factory registration Certificate
5) Copy of PAN card in the name of proprietorship
firm.
6) SEBI registration certificate.
7) IRDA License
8) Copy of TAN/Tin in the name of firm.
9) Utility Bill ((2 bills required- bill of the last
complete month and one of 6 month before the
Rs IN Lacs
THE GRWOTH OF PL & BL IN THE MONTH OF AUG ‘09
THE BUSINESS OF PL & BL IN THE MONTH OF JULY ‘09
TATA MOTAR FINANCE
TMF finances only Tata vehicles. It is other client of E-nxt.
COMPANY BACKGROUND
A developing economy like India craves for financial resources.

Often the traditional financial sector is not accessible to the
customers at large, thereby creating a need for financial
organizations catering to specific industries. The auto industry
worldwide has often faced the problem of finding the right
funding for its customers. These factors, along with the cyclical
nature of the auto industry, has induced automobile companies
to think of captive financing arms of the parent companies,
which would exclusively fund the parent products and also act
as a catalyst in certain areas for promoting the products. Tata
Motor Finance (TMF), the auto financing arm for Tata Motors,
came into existence in June 2003.
This was a common front-end, jointly formed by BHPC (Bureau
for Hire Purchase and Credit) of Tata Motors and the asset
financing arm of Tata Finance. This company was a virtual
entity, with both the divisions maintaining their legal identity,
and was in the market for exclusively financing Tata Motors
vehicles. Subsequently Tata Finance was merged with Tata
Motors and in April 2005 TMF became a division of Tata Motors.
CORPORATE PURPOSE

We aspire to be a preferred financier by choice for Tata Motors
customers & dealers across all its products. Tata Motor finance
would be the top-of-the-mind choice for all stakeholders when it
comes to Tata Motors products. We wish to set a benchmark in
captive finance nationally and internationally.
TATA MOTORS FINANCE PRODUCTS
1. PASSENGERS VEHICLES.
2. COMMERCIAL VEHICLES.
3. CONSTRUCTION EQUIPMENT
1. PASSENGER CAR LOAN
TYPES OF PRODUCT
• New Vehicles
• Used Vehicle /Refinance
Eligibility criteria for salaried
individuals
• Minimum age of Applicant: 21 years
• Maximum age of Applicant at loan maturity: 60 years
• Minimum employment: 1 year from date of joining
Documents required:
Proof of Identity:- Passport , Photo Credit Card, PAN Card,
Voters Id car, driving license, Employee ID issued by
Government of India, PSU, Limited companies, Local Panchayat
ID card, Notary certification with Photograph.

Income Proof: - Latest salary slip with form 16.
Address Proof: - Lease Agreement, Ration card, Driving
license, House Tax Challan, Housing Society Bill, Voters card,
passport, telephone bill, electricity bill, Water Tax Challan,
Telephone Bill / WLL Connection, Credit Card Statement, Post
Paid mobile bills (2 bills required - bill of the last completed
month and of 6 month before the last completed month), PAN
Card, Bank Certification / Statement duly certified by the bank
in original, Gas Connection Bill.
Eligibility Criteria for SELF EMPLOYED

Minimum age of Applicant: 21 years
Maximum age of Applicant at loan maturity: 70 years
Minimum employment: At least 2 years in business
Proof of Identity:- Passport, PAN Card, Voters Id car, driving
license, Latest Sales tax assessment order, Sale tax registration
certificate.
Income Proof:- Latest ITR
Address Proof:- The documents collected towards identity
proof to reflect the current address of the concern/firm
Eligibility Criteria / Documents required For
PARTNERSHIP FIRMS
Proof of Identity:- MOA & AOA (with registration certificate)
Income Proof:- Audited balance sheet, Profit & loss Account
for latest two years and the latest 2 years IT returns of the
company
Address Proof:- The documents collected towards identity
proof to reflect the current address of the concern/firm

2. COMMERCIAL VEHICLES LOANS:
TYPE OF PRODUCTS
• New Vehicles
• Used Vehicle /Refinance
Eligibility
• Any individual / Partnership firm / company with more than 2

years business experience.
• Funding extended to First Time User, Transporters and
Captive Consumers.
Documents required:
Voters Id card, Driving license.
Address Proof: - Lease Agreement, Ration card, Driving
Telephone Bill / WLL Connection, PAN Card, Gas Connection Bill
**The documents collected towards identity proof to reflect the
current address of the concern/firm
CONSTRUCTION EQUIPMENT FINANCE
Type of products

• New Equipment Finance (for Road construction, Mining
and Infrastructure projects)
• Used Equipment Finance
• Operating Lease's.
Eligibility
• Any individual / Partnership firm / company with more
than 2 years business experience.
• Funding extended to First Time User, Contractors and
Captive Consumers.
Documents required:
Government of India, PSU, Limited companies, Local Panchayat
Address Proof: - Lease Agreement, Ration card, Driving license,
House Tax Challan, Housing Society Bill, Voters card, passport,
telephone bill, electricity bill, Water Tax Challan, Telephone
Bill / WLL Connection, Credit Card Statement, Post Paid mobile
bills (2 bills required - bill of the last completed month and of 6
month before the last completed month), PAN Card, Bank
Certification / Statement duly certified by the bank in original,
Gas Connection Bill.
** The documents submitted towards identity proof to reflect
the current address of the concern/firm.
This product offers the TMF customer a loan against
hypothecation of an existing vehicle, at an attractive rate of
interest. It helps in encasing the investment locked in the asset
without having to dispose it off to fund various needs related to

Purchase of New Tyres/Vehicle, Refurbishing of
Vehicles/Engines and Business Requirements etc. The
maximum loan amount can be up to 80% of the market value
of the asset, less the outstanding loan, and is subject to the
current loan eligibility.
Eligibility:
Any individual / Partnership firm / company with more than 2
years business experience.
Funding extended to First Time User, Contractors and Captive
Consumers.
Documents required
Government of India,PSU,Limited companies, Local Panchayat
Address Proof: - Lease Agreement, Ration card, Driving license,

House Tax Challan, Housing Society Bill, Voters card, passport,
telephone bill, electricity bill, Water Tax Challan, Telephone
Bill / WLL Connection, Credit Card Statement, Post Paid mobile
bills (2 bills required – bill of the last completed month and of 6
month before the last completed month), PAN Card, Bank
Certification / Statement duly certified by the bank in original,
Gas Connection Bill.
The documents submitted towards identity proof to reflect the
current address of the concern/firm.
INTERSET RATES

Rates are structured depending upon the following
criteria:
- Selection of the model from the various categories of TATA
vehicles and estimate the finance amount based on the
repayment period as also your capacity.
- Customer's past track record with TMF.
- Existing asset details
- Geographical location of the customer
REFINANCING
FINANCE AGAINST YOUR USED TATA VEHICLE
TMF offers range of refinance products to suit your needs.

Available for vehicles from 0-8 years of age for loan duration of
12 to 48 months. All this with TMF advantages of faster loan
disbursals, attractive interest rates and flexible terms.
REFINANCING is available for
SALARIED INDIVIDUALS
Eligibility

Minimum employment: 1 year from date of joining
Documents required:-
Proof of Identity:-
Passport , Photo Credit Card, PAN Card, Voters Id car, driving
license, Employee ID issued by Government of India, PSU,
Limited companies, Local Panchayat ID card, Notary
certification with Photograph.

Income Proof: -
Latest salary slip with form 16.
Address Proof: -Lease Agreement, Ration card, Driving
Telephone Bill / WLL Connection, Credit Card Statement, Post
Paid mobile bills (2 bills required – bill of the last completed
month and of 6 month before the last completed month), PAN
Card, Bank Certification / Statement duly certified by the bank
in original, Gas Connection Bill.
SELF EMPLOYED - Eligibility Criteria:-
Minimum employment: At least 2 years in business
Documents required
Proof of Identity:-
Passport, PAN Card, Voters Id car, driving licence,Latest
Sales tax assessment order, Sale tax registration certificate.
Income Proof: -
Latest ITR.
Address Proof: -
The documents collected towards identity proof to reflect the
PARTNERSHIP FIRMS –
ELIGIBILTY CRITERIA/ DOCUMENTS REQURIED:
Proof of Identity:-
MOA & AOA (with registration certificate).
Income Proof: -
Audited balance sheet, Profit & loss Account for latest two
years and the latest 2 years IT returns of the company.
Address Proof: -

The documents collected towards identity proof to reflect the
LOGIN STATUS:
(i)
CV
Ma
Marc Max Max Max Max Max
Day x April May
h Date Date No Date No
No
1st - 9- 9- 8-
(A) 182 30 101 12 101 15
19th Mar Apr May
20th
27- 27- 29-
- (B) 238 37 179 23 103 15
Mar Apr May
EOM
Total, 1.2
420 1.31 280 1.77 1.92 204 1.02 1.00
(B:A)= 3
(ii)
PC
Ma
Marc Max Max Max Max Max
Day x April May
h Date Date No Date No
No
1st - 19- 12- 7-
(A) 45 10 26 4 43 6
19th Mar Apr May
20th
26- 28- 28-
- (B) 67 12 49 14 55 12
Mar Apr May
EOM
Total, 1.2
112 1.49 75 1.88 3.50 98 1.28 2.00
(B:A)= 0
Total Logged
Files
(i) +
532 355 302
(ii)
CV:PC 3.75 3.73 2.08
Reject
48 36 40
ed

Rejec 9.02 10.14 13.25
t% % % %
Total
File 580 391 342
Traffic
(i) CV
Max Max Max Max
June Date No July Date No
Day
1st - 99 18-Jun 16 95 18-Jul 12
19th (A)
20th - 133 23-Jun 21 142 21-Jul 23
EOM (B)
232 1.34 1.31 237 1.49 1.92
Total, (B:A)=
(ii) PC
Max Max Max Max
June Date No July Date No
Day
1st - 60 5-Jun 10 55 10-Jul 10
19th (A)
20th - 58 27-Jun 14 117 21-Jun 14
EOM (B)
118 0.97 1.40 172 2.13 1.40
Total, (B:A)=
Total Logged
Files
(i) + 350 409
(ii)
1.97 1.38
CV:PC
Reject 8 28
ed
2.29 6.85
Reject % %
%

Total File 358 437
Traffic
CV ANALYSIS:
Commercial Marc
Vehicles h % April % May % June %
Total Cases as
per Login
Register … (i) 420 280 204 232
MIS - Month …
(ii) 425 289 223 244
Difference with
Login Register
… (i) - (ii) -5 -9 -19 -12
MIS - Spillover
from previous
month … (iii) 211 176 143 132
MIS - Total
Entries … (ii) +
(iii) 636 465 366 376
Spillover : Total
Cases Ratio 33% 38% 39% 35%
Current Month
Stats
Disbursed 244 57% 141 49% 91 41% 114 47%
Approved
Discrepancy 6 1% 5 2% 6 3% 7 3%
Checking Pending 3 1% 4 1% 1 0% 0 0%
Credit Query 34 8% 25 9% 0 0% 0 0%
Hold / Pre
Sanction +
Query to Sales 105 25% 98 34% 107 48% 96 39%

Declined 0 0% 0 0% 0 0% 0 0%
Logout 5 1% 4 1% 3 1% 6 2%
Reject 4 1% 0 0% 0 0% 0 0%
Send to Post Docs
/ Post Sanction 24 6% 12 4% 15 7% 21 9%
Tallied with MIS - 100 100 100 100
Month Yes % Yes % Yes % Yes %
Previous Month
Spillover Stats
Disbursed 85 40% 73 41% 60 42% 50 38%
Approved
Discrepancy 5 2% 2 1% 2 1% 2 2%
Credit Query 6 3% 13 7% 0 0% 0 0%
Hold / Pre
Sanction +
Query to Sales 36 17% 50 28% 23 16% 49 37%
Declined 3 1% 0 0% 0 0% 0 0%
Logout 47 22% 31 18% 49 34% 21 16%
Reject 0 0% 0 0% 0 0% 0 0%
Send to Post Docs
/ Post Sanction 29 14% 7 4% 9 6% 10 8%
Spillover Yes % Yes % Yes % Yes %
Total Files (= Current Month
+ Spillover) for Month MIS
Stats
Disbursed 329 52% 214 46% 151 41% 164 44%
Approved
Discrepancy 11 2% 7 2% 8 2% 9 2%
Credit Query 40 6% 38 8% 0 0% 0 0%
Hold / Pre
Sanction +
Query to Sales 141 22% 148 32% 130 36% 145 39%
Declined 3 0% 0 0% 0 0% 0 0%
Logout 52 8% 35 8% 52 14% 27 7%
Reject 4 1% 0 0% 0 0% 0 0%

Send to Post Docs
/ Post Sanction 53 8% 19 4% 24 7% 31 8%
Total Entries Yes % Yes % Yes % Yes %
Disbursal as per
RO Data 390 61% 247 53% 222 61% 169 45%
Difference with
MIS Data 61 10% 33 7% 71 19% 5 1%
Max
July % in Avg
ommercial Vehicles
Marc
Total Cases as per Login Register 237 h 275
… (i)
Marc
259 h 288
MIS - Month … (ii)
Marc
Difference with Login Register … -22 h -13
(i) - (ii)
Marc
MIS - Spillover from previous 130 h 158
month … (iii)
Marc
389 h 446
MIS - Total Entries … (ii) + (iii)
33% May 36%
Spillover : Total Cases Ratio
Current Month Stats
Marc
111 43% h 47%
Disbursed
7 3% June 2%
Approved Discrepancy
0 0% April 1%
Checking Pending
0 0% April 3%
Credit Query
Hold / Pre Sanction + Query to 103 40% May 37%
Sales
Declined 0 0% Marc 0%

h
5 2% June 2%
Logout
Marc
0 0% h 0%
Reject
33 13% July 8%
Send to Post Docs / Post Sanction
100
Yes %
Tallied with MIS - Month
Previous Month Spillover Stats
60 46% July 42%
Disbursed
Marc
3 2% h 2%
Marc
0% h 0%
Checking Pending
0% April 2%
Credit Query
Hold / Pre Sanction + Query to 41 32% June 26%
Sales
Marc
0% h 0%
Declined
13 10% May 20%
Logout
Marc
0% h 0%
Reject
Marc
13 10% h 8%
100
Yes %
Tallied with MIS - Spillover
Total Files (= Current Month +
Spillover) for Month MIS Stats
Marc
171 44% h 45%
Disbursed

10 3% July 2%
0 0% April 0%
Checking Pending
0 0% April 3%
Credit Query
Sales
Marc
0 0% h 0%
Declined
18 5% May 8%
Logout
Marc
0 0% h 0%
Reject
46 12% July 8%
100
Yes %
Tallied with MIS - Total Entries
268 69% July 58%
Disbursal as per RO Data
97 25% July 21%
Difference with MIS Data
PC ANALYSIS:
Marc Apri
Passenger Cars h % l % May % June %
Total Cases as 112 75 98 118

per Login
Register … (i)
MIS - Month …
(ii) 112 78 108 124
Difference with
Login Register
… (i) - (ii) 0 -3 -10 -6
MIS - Spillover
from previous
month … (iii) 55 52 64 68
MIS - Total
Entries … (ii) +
(iii) 167 130 172 192
Spillover : Total
Cases Ratio 33% 40% 37% 35%
Current Month
Stats
Disbursed 59 53% 14 18% 41 38% 50 40%
Approved
Discrepancy 12 11% 14 18% 6 6% 17 14%
Checking
Pending / Login 0 0% 0 0% 2 2% 2 2%
Credit Query 36 32% 42 54% 0 0% 0 0%
Hold / Pre
Sanction +
Query to Sales 0 0% 0 0% 51 47% 50 40%
Declined 0 0% 0 0% 0 0% 0 0%
Logout 1 1% 2 3% 1 1% 0 0%
Reject / Not
Pitched 1 1% 1 1% 0 0% 0 0%
Send to Post Docs
/ Post Sanction 3 3% 5 6% 7 6% 5 4%
Month Yes % Yes % Yes % Yes %
Previous Month
Spillover Stats
Disbursed 15 27% 11 21% 31 48% 21 31%
Approved
Discrepancy 2 4% 8 15% 2 3% 6 9%

Credit Query 7 13% 21 40% 0 0% 0 0%
Hold / Pre
Sanction +
Query to Sales 0 0% 0 0% 9 14% 33 49%
Declined 1 2% 0 0% 0 0% 0 0%
Logout 28 51% 10 19% 19 30% 1 1%
Reject 0 0% 0 0% 0 0% 0 0%
Send to Post Docs
/ Post Sanction 2 4% 2 4% 2 3% 7 10%
Spillover Yes % Yes % Yes % Yes %
Total Files (= Current Month
+ Spillover) for Month MIS
Stats
Disbursed 74 44% 25 19% 72 42% 71 37%
Approved
Discrepancy 14 8% 22 17% 8 5% 23 12%
Credit Query 43 26% 63 48% 0 0% 0 0%
Hold / Pre
Sanction +
Query to Sales 0 0% 0 0% 60 35% 83 43%
Declined 1 1% 0 0% 0 0% 0 0%
Logout 29 17% 12 9% 20 12% 1 1%
Reject 1 1% 1 1% 0 0% 0 0%
Send to Post Docs
/ Post Sanction 5 3% 7 5% 9 5% 12 6%
Total Entries Yes % Yes % Yes % Yes %
Disbursal as per
RO Data 79 47% 23 18% 82 48% 56 29%
Difference with
MIS Data 5 3% -2 -2% 10 6% -15 -8%

Max
July % in Avg
Passenger Cars
Total Cases as per Login Register 172 July 115
… (i)
145 July 113
MIS - Month … (ii)
Difference with Login Register … 27 July 2
(i) - (ii)
MIS - Spillover from previous 74 July 63
month … (iii)
219 July 176
MIS - Total Entries … (ii) + (iii)
34% April 36%
Spillover : Total Cases Ratio
Current Month Stats
Marc
0 0% h 30%
Disbursed
19 13% April 12%
1 1% May 1%
Checking Pending / Login
0 0% April 17%
Credit Query
Hold / Pre Sanction + Query to 76 52% July 28%
Sales
Marc
0 0% h 0%
Declined
0 0% April 1%
Logout
0 0% April 0%
Reject / Not Pitched
49 34% July 11%
100
Yes %
Tallied with MIS - Month
Previous Month Spillover Stats
32 43% May 34%
Disbursed
Approved Discrepancy 11 15% April 9%

0 0% May 0%
Checking Pending
0 0% April 11%
Credit Query
Sales
Marc
0 0% h 0%
Declined
Marc
0 0% h 20%
Logout
Marc
0 0% h 0%
Reject
5 7% June 6%
100
Yes %
Tallied with MIS - Spillover
Total Files (= Current Month +
Spillover) for Month MIS Stats
Marc
32 15% h 31%
Disbursed
30 14% April 11%
1 0% May 1%
Checking Pending
0 0% April 15%
Credit Query
Hold / Pre Sanction + Query to 102 47% July 25%
Sales
Marc
0 0% h 0%
Declined
Marc
0 0% h 8%
Logout
0 0% April 0%
Reject
54 25% July 9%

100
Yes %
Tallied with MIS - Total Entries
85 39% May 36%
Disbursal as per RO Data
53 24% July 8%
Difference with MIS Data
RCU:
PC Screened Sampled Hold Total
Mar 89 6 17 112
Mar 79% 5% 15% 100%
Apr 45 9 24 78
Apr 58% 12% 31% 100%
May 54 14 40 108
May 50% 13% 37% 100%
Jun 66 18 40 124
Jun 53% 15% 32% 100%
Jul 72 13 60 145
Jul 50% 9% 41% 100%
CV Screened Sampled Hold Total

Mar 548 34 54 636
Mar 86% 5% 8% 100%
Apr 377 40 48 465
Apr 81% 9% 10% 100%
May 287 24 55 366
May 78% 7% 15% 100%

Jun 302 22 52 376
Jun 80% 6% 14% 100%
Jul 288 18 83 389
Jul 74% 5% 21% 100%
Total Screened Sampled Hold Total

Mar 637 40 71 748
Mar 85% 5% 9% 100%
Apr 422 49 72 543
Apr 78% 9% 13% 100%
May 341 38 95 474
May 72% 8% 20% 100%
Jun 368 40 92 500
Jun 74% 8% 18% 100%
Jul 360 31 143 534
Jul 67% 6% 27% 100%
DEALER OF TATA MOTORS FINANCE:
PC Lexus KB Motors RD Motors Total

Mar 59 18 35 112
Mar 53% 16% 31%
Apr 35 10 33 78
Apr 45% 13% 42%
May 56 22 29 107
May 52% 21% 27%
Jun 36 13 19 68
Jun 53% 19% 28%
Jul 77 34 30 141
Jul 55% 24% 21%

Bhandar Non-
CV Lexus i French Dealer Others Total
Mar 179 208 34 4 0 425
Mar 42% 49% 8% 1% 0%
Apr 103 156 26 4 0 289
Apr 36% 54% 9% 1% 0%
May 78 113 28 3 1 223
May 35% 51% 13% 1% 0%
Jun 86 130 21 1 6 244
Jun 35% 53% 9% 0% 2%
Jul 81 141 34 0 3 259
Jul 31% 54% 13% 0% 1%
CV Lexus Bhandari DST DSA Total

Mar 64 62 253 46 425
Mar 15% 15% 60% 11%
Apr 35 37 181 36 289
Apr 12% 13% 63% 12%
May 26 28 132 37 223
May 12% 13% 59% 17%
Jun 46 32 128 38 244
Jun 19% 13% 52% 16%
Jul 14 27 177 41 259
Jul 5% 10% 68% 16%

5 C’s of Credit
Character- Applicant’s intention to pay – Evaluation a

person’s performance and management, which today also
means “Credit source”. Same can be judge from any prev.
repayment history, etc.
Capital- Client’s infusion of equity in the proposal, business

venture, asset to be funded.
Capacity- The client’s financial position- means his asset,

liabilities, net worth or equity position. His ability to repay the
loan or credit over a specific term.Can be judged from his
financial, banking and other details.
Collateral- what is on offer for the lender for security should

he default or cannot repay. We have to ensure that lien marked
RC is duly updated at our records in system of Tata Capital
Limited.
Conditions- Items a lender may require of client to assure or

encourage performance. These could include the rate of return
on a loan to Tata Capital Limited, its tenor, Asset to be funded,
DSA payout.
CPA (Credit Processing Analyzing)
CPA is the essential team of the E-nxt which plays a bridging

role between sourcing & disbursement.

The CPA is responsible for handling the end to end processing
of the data right from application to disbursement. They act as
the backbone for business.
In CPA, Credit processing of both Tata capital & Tata Motor

Finance is done.
ROLE & RESPONSIBILITY OF CPA:
➢ Ensure proper data capturing on application forms, CAMS

and sanction letter.
➢ Role clarity and process clarity for own self from credit
manager.
➢ MIS on business ,PDDS, Delinquency , Non starters and
Portfolio (communication through various MIS )
➢ Measure , Monitor and constantly work towards TAT
improvement
➢ Ensure PDD tracking and timely reports.
➢ Being Proactive in escalating issues to CM in terms of
TAT/Portfolio
➢ Monitoring Post Disbursement Documents.
CPA PROCESS
IN the above given car loan processes, CPA process plays a

vital role starting from file logged into CPA to PDD updation
into system .
CPA processes consist of following sub processes:
• File Login
• FI linking
• Local De-dupe
• Online De –duplication and CIBIL
• RCU
• CAM preparation
• Credit appraisal
• MIS Updation
• Status Communication to market / Sales
• Post Sanction documents purchasing
• File Checking
• Disbursement
• PDD Updating

Work Process of CSE
Basic Documents of Applicant &

co.app.
Collected i.e.
Residential proof Application Form
Identity proof Bank Statement
Income Document Photograph Id
Signature Verification
Detail is finalized Deviations are

referred to Credit for approval
FI is logged
Conduct field
investigation As
per verification Negative FI/other Deviations
process
are referred to Credit for approval
FI report
submitted to
The Branch/CPA
CPA 2

CPA verifies the Prepares CAM and
documents
Submits for approval
Communicates
discrepancies
If any
File Login Process
Login is an important procedure and being the first check, it is

very important to have a strong login desk….
Start
Application form
receive at the CPA
Sourcing
Channel submits
The application Resister

update with
Form at CPA
incomplete reasons
Completeness of
Application form incomplete

details
And pre sanction docs

communicated to sourcing
Channel

Login accepted Sourcing
channel gets the
Entry made into incomplete

information
The resister and

documents
FI Process
Starts
Receipt of FI request
Memo by FI agency
Through e-mail/ from CPA
FI agency DMA asked to get the

correct
Batches request and address and details
Sends the executive
On field verification Correct address and

details and

Procured
Report prepared
By the FI agency and Re- FI initiated by

CPA/
Forward to CPA channel
Address Traceable
Verification successful
FI report attached
To file and file processed
Local De-dupe process
After FI linking, file moves for local de-dupe check in excel

sheets of login and rejects MIS of the branch…..
Starts
Status of earlier
CPA maintains a case checked
Copy of local database

Check for existing
As per LOCAL DEDUP Earlier case

Y exposure details
PROCEDURE disbursed
N
Check the reason &
Sourcing channel/DMA Earlier case Y

escalate if it needs

Submits the application reject
to be revisited, else
From at CPA N
reject
Earlier case Y
Approved/pending
check the reason
CPA dose a ctrl+f

& take the present
Against phone nos

login to close
Address date of birth
Birth and name
Match found
Application
processed
further
On line De-dupe and CIBIL report linking
Having done local de-dupe and TAT sheet updated with match –
if any, we move on for online De-dupe & CIBIL report.
Start

Re-login at frequent
Intervals to check
Receipt of for report generation
Complete application
Form
report generation
Escalate
With in stipulated
the issue
TAT
Data punched into De-
Dupe site and the CIBIL
Site for report generation Report printer
And attached to file
De-dupe match
Application sent for
Report generated found /CIBIL

further processing
For the case match
De-dupe match found and CIBIL match

found

Process as per policy
RCU Process (Application taken for screening/ sampling)
Parallel to the processes, file moves for RCU(RISK

CONTAINMENT UNIT)-depending on RCU availability as per
location…..
Application
Checked by
RCU
For screened
Application stamp File sent for
Is affixed &file approval and processed
Return further. Refer end to end
Sample CPA process
Application
Taken for
Verification
Report
Receive Positive Case can be

File
Mitigate
rejected

Is TAT File on hold Collection
>24 hrs Triggered off
Escalated to regulation RCU
And asked for report waiver
Credit Appraisal Process (CAM)
Hereafter, CAM is prepared and is sent to CM for credit

decision…..
Start
Credit memo prepared and
Forward to the credit manager MIS updated

and file moved
With CIBIL and De-dupe report to requisite

rack
Customer Approval
Satisfying Policy norms communication
Vide phone/MIS
N to channel

Approval authority Y Can the
deviation be
Comfortable with the signed off by

credit
Case manager
N
N
Escalate to nxt
Case decline approval level with RM
Comments
Should the case be Y

Updated Flushed
Revised N Case reject

out in reject files log
Sec 138 notice generated
From system
Vehicle No skip
tracing and
Traced collection
efforts accelerated

Yes Legal proceeding
initiated with
Vehicle RCM
approval else collection
Repossessed and effort

continues
Sale process initiated
Coll
ection effort continue
Vehicle sale to be complete
With in 30 days from the date

No
Of repossession
C
ase moves to
180-269 DPD
C
Yes

C
Los on sale of
Account closure done Repo vehicle
Charge
off form prepared
Record
ing loan loss
Charge off form generated
From system wrt loss on sale civil

recovery suit to be initiated
Of vehicle against
the borrower if not
Initiated
earlier with
Appropria
te approval
Evaluate initiation of legal

Collection
Proceeding for recovery of

follow up

Loss on sale
continues
Case
moves to
Beyond
269 PDP
Record loan closure with Record

loan closure with
Appropriate approval
appropriate approval

CREDIT PROCESS
FILE LOGIN: First a file is sourced from a channel then it comes

to CPA, Now checks KYC (know your customer).In KYC identity
proof, address proof, signature proof & 6 months bank
statement is checked from the file. If the file is ok then login is
accepted & entry made in the register & in MIS. If there is any
discrepancy in the file it is communicated to channels.
FI: FI stands for field Identification. FI agency is a third party

team which receipts a request from CPA through e-mail . FI
agency investigates the customers residence address& office
address given in the form is correct or not.IT also checks the
eligibility of the customer & whether customer is upto the
standard of taking loan or not. After all the investigation a
report is prepared & sent to CPA. CPA then attaches the report
with the file.
LOCAL dedupe : After FI linking, file moves for local de-dupe

check.CPA maintains a Copy of local database of the person
who have taken the loan from there company & all the details
about the loan & the repayment structure.CPA types the name,
phone no , date of birth, pan card no onthe online dedupe
sheet.Then match is found or not found. If match is found then
Status of earlier case checked.If earlier case is disbursed then

check for existing exposure details. .If earlier case is rejected
the Check the reason & scalate if it need to be revisited, else
rejected.If earlier case is approved or pending then heck the
reason & take the presen tlogin to close. Result is taken out &
attached to the file.
Cibil: Cibil is the Credit Information Bureau (India) Limited

(CIBIL) was incorporated in 2000. CIBIL’s aim is to fulfill the
need of credit granting institutions for comprehensive credit
information by collecting, collating and disseminating credit
information pertaining to both commercial and consumer
borrowers, to a closed user group of Members. Banks, Financial
Institutions, Non Banking Financial Companies, Housing Finance
Companies and Credit Card Companies use CIBIL’s services.
Data sharing is based on the Principle of Reciprocity, which
means that only Members who have submitted all their credit
data, may access Credit Information Reports from CIBIL. The
relationship between CIBIL and its Members is that of close
interdependence.The establishment of CIBIL is an effort made
by the Government of India and the Reserve Bank of India to
improve the functionality and stability of the Indian financial
system by containing NPAs while improving credit grantors’
portfolio quality. CIBIL provides a vital service, which allows its
Members to make informed, objective and faster credit
decisions. Like in dedupe in cibil also data is put in & then
match is found or not found.
MIS: MIS is Management Information System. MIS is generally

used by medium and larger scale organizations. There is dire
need to build up computer culture by properly disseminating
information about computer applications and its benefits. For
monitoring the progress of implementation and for proper
control of activities, efficient information system should be
developed. In Mis all the information can checked at a
glance.All the process of CPA is updated in MIS.
CAM: CAM stands for credit appraisal process.C PA team

prepares cam. IN CAM 6 months bank statement is prepared in

the Cam sheet along with the customer details & FI details.&
sent it to credit manager attaching cibil & dedupe for credit
approval.
SWOT ANALYSIS
The SWOT analysis of the industry reveals the position

of the industry in respect to its internal and external
environment.
ENZ
SWOT
ANALYSIS
INTERNAL EXTERNAL
ENVIRONMENT
ENVIRONMENT
STRENGTH WEAKNESS OPPORTUNITY THREAT

STRENGTH WEAKNESS
1. Strong reputation & 1.FI generated by a third

brand name. company
2. Robust infrastructure 2.Lengthy process
3. Fast Processing 3.Time consuming
4. attractive interest 4. Work is done on excel sheet,

rates no other special software is
used..
5. Minimum
documentations
6.Strong capital base
7. A large & diversified

client base
8. A fully computerized
branches at major cities.
9.A well & diversified of

long term liabilities.
OPPUTUNITIES THREATS
1.Interest earning 1. Significant competition from
2.Secured money Indian and foreign companies

operating in the same segment.

PROJECT REPORT
Being a summer trainee, I was in the CPA team. CPA plays a

bridging role between sourcing & disbursement. The CPA is
responsible for handling the end to end processing of the data
right from application to disbursement. They act as the
backbone for business.
For loan to sanction proper document is very essential. The

company would not sanction any loan with proper document.
My job was to learn all the process of the CPA department and
then to work on it. Process includes login in which we have to
check the KYC (know your customer, I linking, Local De-dupe,
Online De –duplication and CIBIL,RCU,CAM preparation ,Credit
appraisal, MIS Updating, Status Communication to market /
Sales, Post Sanction documents purchasing, File Checking,
Disbursement, PDD Updating.
I have leant all the process and also have worked for eight
weeks and understood all process of the company, how people
apply for the loan, what are the criteria, what are the
documents required, how the loan is being processed&
approved. This is all about the project report.

BIBLOGRAPHY
WEBSITES:
 www.google.com
 www.mutualfundindia.com
 www.wikipedia.com
 www.rediff.com
 www. E-nxt .com
 www.sebi.com
 www.yahoo.com
 www. Tata capital .com
 www. Tata motors Finance. com


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A REPORT ON

“Financial Loan & Credit Processing”

10 Wood Street Kolkata-700014

As a supplementary fulfillment of the Summer Training

from 1STJULY to 31ST August 09 as a part of the M.B.A.,

(Two year fulltime course 2008-2010.)

Under the Biju Pattanaik University of Technology

REGISTRATION NO: - 0806242119

ACADEMY OF BUSINESS ADMINISTRATION

KURUDA, BALASORE, ORISSA

1 ACADEMY OF BUSINESS ADMINISTRATION

Knowledge in the area of personnel management.

Being a management student, practically relating to various conditions prevailing

Undertaking a project work would provide us a better catch of the corporate

That is why, undertaking of project is compulsory in MBA curriculum of Biju

Identify the financial loan & correlation with credit processing.

2 ACADEMY OF BUSINESS ADMINISTRATION

I have not submitted the report elsewhere for any academic

3 ACADEMY OF BUSINESS ADMINISTRATION

Though language is an inadequate medium to express one’ sentiments it is the

Words are boundless to express my heartfelt gratitude and thanks to Mr.

MBA 4th TRIMESTER

ACADEMY OF BUSINESS ADMINISTRATION, BALASORE

Chapter Title Details Page No.

4 ACADEMY OF BUSINESS ADMINISTRATION

Chapter 3 About the company About E-nxt Ltd

Chapter 4 Client of E-nxt:

A)TATA Capital About the company

Tata capital products Brief of all the

Auto Loan About the auto loan

Collection & Action

Repossessed car sale

Personal Loan About the personal

Need for personal loan

5 ACADEMY OF BUSINESS ADMINISTRATION

B) TATA Motor Finance Company background

Eligibility & documents

Chapter 5 CPA CPA role

Chapter6 SWOT Analysis

6 ACADEMY OF BUSINESS ADMINISTRATION

In today’s world, loan is very important for every person, as it is

WHAT IS LOAN ALL ABOUT

A Loan is a type of debt. All material things can be given on

The borrower initially receives an amount of money from the

[Type the document

7 ACADEMY OF BUSINESS ADMINISTRATION

This project offers a valuable opportunity to take a glimpse of

The project has been undertaken to learn the credit processing

8 ACADEMY OF BUSINESS ADMINISTRATION

About the company

E-nxt is committed to become the service provider of choice by

E-nxt is a share partner group. IT is known as e-nxt Financials

E-nxt has various clients serving various purposes in various

9 ACADEMY OF BUSINESS ADMINISTRATION

It’s a Tata enterprise. There is 4000+ employees all over India.

E-Nxt Financials Pvt. Ltd is a professionally managed BPO

Strive to proactively understand and deliver on customer

10 ACADEMY OF BUSINESS ADMINISTRATION

E-Nxt financials ltd A Tata Enterprise helps client to leverage

E-Nxt combines core competencies with deep domain

E-Nxt is a enterprise solution providers with the foremost

Our service caters to end to end sourcing & managed services,

Services are as follows