PD Lending Application – V4.

We launched PD lending application in Feb-2017 and now basis our learning we have re-defined
the PD lending application and new version of PD lending application V4.0 will now replace PD
ledning application V1.9.

This application to be used for following products – LAP, EBL, SALPL, SEPL, SPL and BL. This is to be
used from the immediate effect (2 nd May, 2019). Pl install this application and old PD lending
application v1.9 will be de-activate from 7th May, 2019.

This manual will give insight for user how this application is to be used.

Page No. 1
PD Lending Application now AD – ID based and can be logged in basis AD-ID Credentials only.

AD_ID

AD_PW

This application is more enhanced in terms of capturing information. Also, this will have better
GPS coverage of PD done location and Collateral done location.
Page No.2
This display page will give you two point coverage of PD – one is for customer visit and another is
for collateral visit similar to earlier application version 1.9.

Customer visit will be used to cover PD / business discussion with customer and visit details.

Collateral visit will be used to cover the collateral related points basis visit.

PD Visit Details

Collateral Visit Details

This screen is same as of older lending application

 Customer Visit – Screen 1
This is common screen – now the screen will change basis constitution of the customer. LAP
high value cases can now also be captured with this application.

CORRECT LOS

Drop Down to select correct Product

Capture correct Branch ID

Correct Constitution to be selected

Select Correct Applied loan Amt

Capture Main Appl. Name

Capture PD done Place – Off / Res

Mention – PD addr in file correct or not

Capture correct address

Capture Name of Person – Met in PD

Capture - person met is loan app or not

All Fields are mandatory and need to be captured properly

 Customer Visit – Screen 2 - (Non-Salaried)
As we have moved away from doing Office CPV – We want the HDB employee visiting the Cm
should update the following points basis his visit. These are simple drop down.

Negative / Non-negative area

Ownership status - PD done premises

Biz Family Owned or not

Area of off / Resi – where PD is done

Locality of PD place to be selected

PD Place setup to be selected

Construction of PD place to be captured

Comment on exterior of PD place

Comment on interior of PD place

No of emp sighted at time of PD

Biz Activity sighted at PD

Capture current biz vintage

Capture overall Biz stability in city

Selecting correct drop down is important as wrong information will be tracked.

 Customer Visit – Screen 3
Cash Flow calculation in earlier version was not easy. To simplyfy the cash flow calculation -
screen is changed in this application. Now these are text field where monthly biz cash flow is
calculated. These are simple to use. This not applicable for high value LAP cases.

Select correct Biz Type

Enter Average Mthly sales

Enter Average Mthly Purchases

Enter Average Mthly Labour cost

Enter Average Mthly Frieght Cost

Enter Avg Elect Cost

Auto Calculated field

Enter Current EMI Obligation

Auto Calculated field

All fields are mandatory to be captured

 Customer Visit – Screen 4
This is the extended screen for cash flow calculation done on screen 3. This not applicable for high
value LAP cases.

Enter Avg mth Home Expenditure

Enter Avg mth Edu Expenditure

Enter Avg mth Med Expenditure

Enter Avg mth Elect. & Maint Expen

Auto Calculated Field

Enter Avg mth Elect. & Maint Expen

Enter Proposed Mthly HDB EMI

Auto Calculated Field

Enter End usage of loan clearly

Select whether PD is positive or not

Select Recommended loan Amt

Mention PD remarks – short and crisp

All fields are mandatory. Pl check final calculation before proceeding ahead.
 Customer Visit – Screen 5
This is the screen where investment details and personal information is captured for future
reference.

Capture the investment made by Cm in Property

Capture the Liquid Investment made by Cm

Capture Correct Mob No of Cm

Capture Correct E-mail ID of Cm

All the above information is critical to capture for future reference

 Customer Visit – Screen 6
This is the interactive screen where question will be displayed basis details captured in previous
screen and answers are pre-defined in drop down. Person doing PD need to select the appropriate
reply to the question asked basis variable selected in previous screen. There may be a scenario
where there might be no question appear as the entries would be correct.

Customer Visit – Screen 7

This is the interactive screen where question will be displayed basis details captured in previous
screen and answers are pre-defined in drop down. Person doing PD need to select the appropriate
reply to the question asked basis variable selected in previous screen. There may be a scenario
where there might be no question appear as the entries would be correct.

Select this Icon to set the location on Map

Distance from extact location on map

Capture business board of Cm setup

Main Entrance of setup to be captured

External setup of biz setup

Internal setup of Biz setup

Main Stock of Biz of Cm

Biz activity sighted at PD

Emp Selfie who did PD

Biz Identity / Regn / Continuity proof

All informtion is important and GPS co-ordinate are important to capture along with Biz
Proof and Employee selfie
 Customer Visit – Screen 2 (Where Cm is salaried)
As we have moved away from doing Office CPV – We want the HDB employee visiting the Cm
should update the following points basis his visit. These are simple drop down.

Select whether Desk job or not

Select Exact Job Role

Capture exact designation

Capture exact Net take home salary

Capture Cm job transferable or not

Capture actual dependents on Cm

Capture Cm job experience in Current job

Capture Cm experience - overall

Capture permanent address - properly

Capture permanent address pincode

Capture crisp end use of money

Capture correct mobile no of Cm

Capture correct E-mail ID of Cm

All information is mandatory to capture

 Customer Visit – Screen 3 (Where Cm is salaried)
HDB employee visiting the Cm should update the following points basis his visit. These are
simple drop down and extension to the screen 2 of salaried.

Cm office owned premises of Co or not

Cm Employer category to be selected

Cm Employer office is positive / neg area

Cm Employer office Locality

Cm Employer office
Cm employer office construction

Exterior of Cm office

Interior of Cm office

No. of Emp Sighted in Employer off

Biz Activity sighted in Cm office

Cm employment type

All information is mandatory to capture

 Customer Visit – Screen 2 (Where Cm is salaried & PD done at Residence)
HDB employee visiting the Cm should update the following points basis his visit. These are
simple drop down.

No. of Yrs in current resi

No. of Yrs in City

Category of Employer

Residence status of Cm

Area of Resience
Locality of Residence

Type of Residence

Residence construction status

Residence Exterior position

Residence Interior position

Residence Area

No. of family members

All information is mandatory

 Collateral Visit – Common Screen (Collateral for LAP / EBL / SPL)
HDB employee visiting the Cm should update the following points basis his visit. These are
simple drop down.

Select correct LOS ID

Select Correct product

Mention Cm name

Mention person met for collateral

Select Relation of Person met with appl

Name of Collateral owner

Select Collateral type

All information is mandatory to capture

 Collateral Visit – Screen (Collateral is Property for LAP / EBL / SPL)
HDB employee visiting the Cm should update the following points basis his visit. These are
simple drop down.

Select collateral property type

Select status of property on visit

Capture bank notice seen on premises

Capture if redevelopment notice seen
Declare if visited society for prop ownership

Capture access to property

Whether property area as per title docs
Property measurement area

Marketability status of property

Reference of broker on rate and value

Property Value Appr for property

Inside pics of property

Outside pics of collateral

Main Entrance pics

Collateral Main Area

Collateral 2nd Main Area

All information is mandatory to capture

 Collateral Visit – Screen (Collateral is Property EBL)
HDB employee visiting the Cm should update the following points basis his visit. These are
simple drop down.

Branch ID where Case is getting booked

Select Property distance from branch

Select property distance from city limit

Select pincode of collateral property

Select landmark for property

Property lies in GP or not

Plan available or not

Type of collateral structure

Demolition Risk of property

Specific document reqd for Collateral Mortgage

Road access to collateral

Property demarcated or not

Distance and GPS co-ordinate of property

Employee selfie at collateral

It is important to fill all the above information diligently

Where Collateral is auto under SPL – screen is same as of old application, only no of pics increased.