Credit Scoring for Salaried and Landlord
Sl Particulars Marks
1 Profession Salaried, employed (Doctor, eng.)=5, Landlord=3 5
2 Job MNC, Govt ,Manager Level of Local Corp.Me & 10
Corporate Business account with NRBC, Directors of
large Cap org. Reputed Senior Doctors, Banker,
Salary A/C with NRBC =10, Salary A/C with other
bank=7, Landlord=5
3 Income Below 40K=20, 40K-60=25, 61-80=30, 81k -above=35, 35
4 Resident Status Own=12, Inherited=7, Rented = 3 12
5 Collateral FDR=15, Mortgage=12, Guarantor=10, Other=8 15
6 Account (Term NRBC=5, Other=3,0 5
deposit/CD/SD/SND)
7 Spouse Profession Income above=30,000>5, Below=3,0 5
8 Age Upto 40=5, 41=<50=3, above 50<65=2,0 5
9 Document All supporting doc regarding Income, Trade 5
License=5, is short=0
10 Surrogates Club/Association Membership/kids reputed 3
schooling/Education/Usage of existing credit facility
Total 100
r Salaried and Landlord
Supporting Doc
LOI, professional Certification, Bank Statement.
LOI, professional Certification
Bank Statement, Salary Statement, Sales proff, Audit Report, Credit Report
etc, CIB
Bill copy, Land doc, NID verification of Permanent Address
Lien FD Copy, Guarantor doc.,
Bank Statement with 1 year Transaction
Salary Certificate
NID
above all
with supporting doc
Credit Score card for Buisness
Sl Particulars Marks
1 Nature of Business Manufecturing (Large Cap)=10, Manufecturing(mid 10
Cap)/Trading(large Cap)=7 , Manufecturing/
Trading / Contractor =5.
2 Shareholding Position Public Ltd= 5, Sole Proprietorship=3, Partnership=2 5
Business Tenor 5 year above=5 , 3 to 5=3, less=2 5
4 Income Above 80 K=25, 60K-79=20, 40 -59=15, Below=10 30
5 Resident Status Own=12, Inherited=7, Others: 0 12
6 Collateral FDR=15, Mortgage=12, Guarantor=10 (Other than 15
spouse with High networth), Strong referance=5
7 Account (Term NRBC=5, Other=3,no account=0 5
deposit/CD/SD/SND)
8 Spouse Profession Income above=30,000>5, Below=3,0 5
9 Age Upto 40=5, 41=<50=3, above 50<65=2,0 5
10 Document All supporting doc regarding Income, Trade 5
License=5, is short=0
10 Surrogates Club/Association Membership/kids reputed 3
schooling/Education/Usage of existing credit facility
Total 100
e card for Buisness
Supporting Doc
Having Buisness capital More than 5 crore=large cap data available for
financial statement. Capital more than 2 crore above Mid cap , less that 2
core small. Bank statement, Trade license
As per trade licnese
Trade license , Rental agerrment, Audit report
Bank Statement, Salary Statement, Sales proff, Audit Report, Credit Report
etc, CIB
Bill copy, Land doc, NID verification of Permanent Address
Lien FD Copy, Guarantor doc.,
Bank Statement with 1 year Transaction
Salary Certificate
NID
above all
with supporting doc
