CIBIL DECISION MATRIX

For Borrower, Co-borrower & Guarantor (Applicable for Existing & Open Market Clients)
Bureau Approving
Inference Deviation Purview Guidelines
Result Authority

Insufficient history.
Customer/Co-signor may not have
Sanctioning Loan officer during personal discussion with the customer/co-signor has to do a thorough check
No Match taken any loans earlier or they would NA
Authority with about existence of any loans or outside borrowings and take an appropriate decision
have submitted different set of
documents for the earlier loan.

In cases where customer claims that the loan has

been closed and there is no outstanding, LO to collect
any of the following proofs for loan closure: For all running loans: LO to consider the loan outstanding amount & the installment amount
Positive Customer has prior loans but with Sanctioning
a) NOC issued by the lender and/or before arriving at the customers loan eligibility.
Match good repayment history Authority
b) Cash receipts and/or
c) Bank/Loan statements where the installments paid
are reflected

In case CIBIL shows STD on the below mentioned

loans:
1) Gold Loan SA to verify loan repayment structure of respective loans from relevant documents like loan
Sanctioning
2) Agri Loan cards, loan account statements, loan agreement etc. and cross check it with the repayment
Authority
3) Loan against bank deposit string of the bureau report & proceed with genuine cases.
4) Overdraft
5) Education Loan
STD (< 90 days delay)

CIBIL report shows STD on loans other than those mentioned above

Reasons of delay should be known, SA to recommend the case to CM-IL. Key points to note:
a) Good repayment track record with Ujjivan
CM-IL b) Reason of delay should be genuine
Within last 3 years
c) No signs of financial distress

STD (< 90 days delay)

 If the repayment history on recent loans availed (last 3 years) is available and satisfactory, it can
Sanctioning
STD (< 90 days delay) be processed. Atleast 12 months history shall be required to consider the case as positive.
Authority
However, reasons for past deliquency should be clearly understood
Before 3 years

If the CIBIL report depicts no trade lines post the deliquent account, SA to verify & recommend
CM-IL to genuine cases to CM-IL. If the customer has more than 2 enquiries in the last 3 years with
none of the loans converted, the case should be rejected.

In case customer claims good repayment history, LO to collect:

a) Bank/loan statements where the installments paid are reflected
b) cash receipts
c) contact number of bank personnel contacted for reference (if feasible)
Head Credit
Within last 3 years d) For Agricultural loan/ Gold loan/ Education loan, any document proving the repayment
structure e) Genuine cases of credit card defaults require
thorough investigation
Delinquency >90 days (SMA/ SUB/ RCM/ IL-CM to verify and recommend such cases for approval
DBT/ LSS/ WriteOff/ Settled/
In case customer claims good repayment history, LO to collect:
SuitFiled/ Restructured/ Account
a) Bank/loan statements where the installments paid are reflected
Sold)
b) cash receipts
c) contact number of bank personnel contacted for reference (if feasible)
d) For Agricultural loan/ Gold loan/ Education loan, any document proving the repayment
Before 3 years RCM
structure
e) Genuine cases of credit card defaults require thorough investigation
If the CIBIL report depicts no trade lines post the deliquent account, SA to verify & recommend
genuine cases to CM-IL. If the customer has more than 2 enquiries in the last 3 years with none
of the loans converted, the case should be rejected.
 RCM/ CM-IL
Mismatch/ CIBIL report data shows mismatch with customer
Mismatch in CIBIL report data & (On SA CIBIL dispute to be raised and parallelly file may be processed on case to case basis on credit 's
Additional details like KYC ID, address, contact number, DOB &
customer details recommendati discretion
Match Case other information
on)

* ACMs - Only authorized ACMs can approve cases when the CM-IL is unavailable

Other Guidelines:
All cases where the SA is the final approving authority will require the IL-CO to visit the cases, document his observations and make a recommendation. In the absence of the IL-CO, the ACM/IL-CM shall be the approving
authority
For willful defaults, the case should be rejected
Supporting Documents should substantiate the case
While investigation the distribution/credit representative to get in touch with the concerned MFIs/Banks & get accurate information (wherever feasible)
File should not be sent unless approval is given for any CIBIL related issue
Credit to maintain a record of such Deviation Approvals when granted, performance of such loan to be reviewed on a quarterly basis
In event of any other Query regarding the Bureau Report, such as Enquiries in CIBIL report within 12 months, Credit should investigate
If the borrower/co-borrower & guarantor has guaranteed other loan with negative trigger, the above matrix shall be applicable
If the borrower/co-borrower & guarantor has guaranteed other loan with positive trigger, the OSP shoulb be included in the liability side of the balance sheet during client assessment exercise

Note on GL conversion where CIBIL is negative when sourced for IL-

For any DPD category, IL can be availed if the case fits as per the above defined matrix, however customers can be serviced under GL with CM-IL approval under below circumstances:

1. Customers or co-borrowers financial assessment proves insufficient repayment capacity to service an IL , they can still be serviced under GL for either the customer/co-borrowers business.
2. If during assessment, it is found that either the customer or co-borrower are hesitant/ unwilling to avail/service a high ticket IL loan, they can continue to be serviced under GL

> DPD reasons (<90 days) & documentary proof (on SUB & above buckets) must be collected on default loans as reported in CIBIL
> In case the rejection in IL is due Misrepresentation of facts/information, submission of false/fake documents, manipulation of data/financial numbers that has impact on loan decisioning, the customer should not be
sourced in GL or IL.