Bajaj Rural Location List

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Locations PINCODE STATE ABSM ABSM MO NO

HASSAN 573201 Karnataka Sandeep Hanthur 9844846393
MANDYA 571401 Karnataka Pradeep G B 7760446259
PUTTUR 574201 Karnataka Manjunath Naik 7337632915
HAVERI 581110 Karnataka Praveen Koudi 7019400494
KUSHALNAGAR 571234 Karnataka Sharathkumar B C 9164307527
TUMKUR 572101 Karnataka Vijayakumara 9742799510
KOLAR 563101 Karnataka Vishal Deep G 9143455143
Krishnarajanagara 571602 Karnataka Akhil Karthik S 9986164659
RAMANAGARA 562159 Karnataka Vivek Gowda HB 9844964878
GADAG 582101 Karnataka Sunil Bandennavar 9945923555
HOSPET 583201 Karnataka Ajith R 9740056156
ALWAR 301001 RAJASTHAN Ajay Sharma 9898641737
BUNDI 323001 RAJASTHAN ASHOK YADAV 9898641737
CHOMU 303702 RAJASTHAN Sunil Tilwadiya 9667478901
HANUMANGARH 335512 RAJASTHAN Aakash 7062118703
JHUNJHUNU 333001 RAJASTHAN GAURAV SHARMA 9660144507
KOTPUTLI 303108 RAJASTHAN Maneesh Sharma 7698320802
SIKAR 332001 RAJASTHAN Omprakash Kumawat 9549921555
AMBUR 635802 Tamil Nadu Mohan Babu Kirubanandam 9787347788
ATTUR 629177 Tamil Nadu ARUN AM 9629446469
DHARMAPURI 636701 Tamil Nadu Manigandan S 7639352225
KALLAKURICHI 606202 Tamil Nadu SATHISH S 9600225003
KANCHIPURAM 631501 Tamil Nadu Athilingam Ramanathan 9600833055
KRISHNAGIRI 635001 Tamil Nadu SATHISHKUMAR 9087114398
NEYVELI 607803 Tamil Nadu MARSHALL 7810017669
RANIPET 632401 Tamil Nadu DINESHKUMAR 7339331238
TIRUPATTUR 635601 Tamil Nadu Chanduru Manogaran 8778518732
TIRUVANNAMALAI 606601 Tamil Nadu Saravanan Prabagaran 8610972801
VILUPPURAM 605602 Tamil Nadu ANANDRAJ 9600490695
CUMBUM 625516 Tamil Nadu Raju Amaresh 9003648281
KARAIKAL 609602 Puducherry Palanivel 8124367645
METTUPALAYAM 642110 Tamil Nadu Jagadeesan D 9944916783
PUDUKKOTTAI 622001 Tamil Nadu S CHANDRASEKAR 9597445595
RAJAPALAYAM 626117 Tamil Nadu Gajendiran R 9791488909
TIRUCHENDUR 628215 Tamil Nadu SRIRAMA SUTHAN 9092372674
UDUMALPET 642126 Tamil Nadu Saranraj 9750609523
VIRUDHUNAGAR 626001 Tamil Nadu Prabhakaran T 9384480685
DALTONGANJ 822101 JHARKHAND Akhilesh Kishore Jha 9708422972
DHAMTARI 493773 CHHATTISGARH Ashish Pandey 7999352833
GUMLA 835207 JHARKHAND Mukesh Kumar 8709966468
JASHPURNAGAR 496331 CHHATTISGARH Sandeep Kumar Vastrakar 7987142991
KAWARDHA 491995 CHHATTISGARH rikesh tondar 8770353565
KHAIRAGARH 491881 CHHATTISGARH SURESH YADU 8435321526
KHALARI 829205 JHARKHAND Ashish Vishwakarma 7898542222
KHALARI 829205 JHARKHAND Ashish Vishwakarma 7898542222
MADHUPUR 815353 JHARKHAND RAMNIVAS SAHU 9669455584
MANENDRAGARH 497442 CHHATTISGARH Sandeep Kumar Sahu 8319690169
PAKUR 816107 JHARKHAND Dheeraj Kumar 9430062504
PATRATU 829118 JHARKHAND Jyotish Goswami 8981358794
RAIGARH 496001 CHHATTISGARH Sandeep Pandey 9123275903
ACHALPUR PARATWADA 444805 Maharashtra Shivdas Pathe 9146049932
AKOT 444101 Maharashtra Mukund Kore 7038362645
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BHANDARA 441904 Maharashtra Ritesh Dhanvij 8007867026
BUTIBORI 441122 Maharashtra Sandip Bhujangrao Labade 7350368534
BUTIBORI 441122 Maharashtra Sonu Doifode 8956127665
GONDIA 441601 Maharashtra Sawant Landge 9511271027
WADSA 431721 Maharashtra Harshal Sharma 9028388402
WARDHA 442001 Maharashtra Dhiraj Hiramanji Kapse 7507113573
YAVATMAL 445001 Maharashtra Shubham Walmikrao Bhoyar 7058306277
BELLARY 583101 Karnataka Charan Singh 8151061181
BIDAR 585401 Karnataka Rajkumar Yekhalli 9741590015
BIJAPUR 586111 Karnataka AMAR AJIT TANGOLLI 6362450004
CHITRADURGA 577501 Karnataka Dharma Narayana 9743050045
GOKAK 591307 Karnataka MOHAN SURYAVANSHI 7353021986
KOPPAL 583231 Karnataka SANDEEP RAJASHEKAR 9986129896
MAHALINGPUR 587312 Karnataka Sadashiv Janvekar 9036281717
NIPANI 591237 Karnataka PRAVIN LABYAGOL 9545268792
RAICHUR 584101 Karnataka N Jadava 7795193162
SANKESHWAR 591313 Karnataka SHIVANAND G 9591018076
DHULE 424001 Maharashtra Rajendra Ashok Patil 9665776357
KARJAT 414402 Maharashtra NAGESH TIPARE 9834360003
KHOPOLI 410203 Maharashtra Ashish Sudhakar Gogawale 8888165993
KOPERGAON 423601 Maharashtra Sagar Machhindra Dhulsaindar9284361646
NANDURBAR 425412 Maharashtra KAPIL KESHAV PIMPRE 8482948656
NARAYANGAON 410504 Maharashtra Ramprasad Shinde 9552255607
Pachora 424201 Maharashtra Swapnil Bharsakle 7083772474
PIMPALGAON 423202 Maharashtra Prasad Ramakant Chaudhari 9158665567
ROHA 402109 Maharashtra Siddhesh Sunil Pawar 7038975374
SHAHADA 425409 Maharashtra Sagar Magan Marathe 9657778176
TALEGAON DABHADE 410506 Maharashtra Vrushabh Keshaw Walke 9923208199
BARMER 344001 RAJASTHAN Sandeep Kumar Sen 8239344432
BASSI 303301 RAJASTHAN Ritu Sharma 9024460941
CHAKSU 303901 RAJASTHAN Pankaj Mittal 8386050352
CHITTORGARH 312001 RAJASTHAN Avinash Gour 6375544856
BALAGHAT 481001 MADHYA PRADESH Aditya Gupta 7000250701
BINA ETAWA 470113 MADHYA PRADESH Hanumat Thakur 9713661393
CHHATARPUR 471001 MADHYA PRADESH Ghanendra Shukla 8318816522
CHHINDWARA 480001 MADHYA PRADESH Brajesh Suryavanshi 7974740195
GUNA 473001 MADHYA PRADESH Surendra Rajput 9752604952
JHABUA 457661 MADHYA PRADESH Nilesh Rawat 9752483842
KHARGONE 451001 MADHYA PRADESH PARUL SHARMA 8982587534
MANDLA 481661 MADHYA PRADESH Khemraj Yadav 6261278983
RATLAM 457001 MADHYA PRADESH Rampal Prajapati 9584453671
REWA 486001 MADHYA PRADESH Sunder Lal Pandey 9584920323
SATNA 485001 MADHYA PRADESH Suryakant Tripathi 8085180295
SEONI 480661 MADHYA PRADESH Prateek Nema 8319395919
SHIVPURI 473551 MADHYA PRADESH Sohil Khan 7047167791
TIKAMGARH 472001 MADHYA PRADESH Ravindra Yadav 7388973001
ASHTA 466116 MADHYA PRADESH Manoj Mewada New 7000144236
DINDORI MP 481880 MADHYA PRADESH Rajkumar Mishra 9309713642
HARDA 461331 MADHYA PRADESH Neelesh Yadav 7771972093
HOSHANGABAD 461001 MADHYA PRADESH Sanket Shrivastava 6264855892
KHANDWA 450001 MADHYA PRADESH Ankit Arjhare 7828008890
SEHORE 466001 MADHYA PRADESH Devendra Dhakad 9926723103
SHAHDOL 484001 MADHYA PRADESH Neeraj Mishra 9806535338
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SIDHI 486661 MADHYA PRADESH Omprakash Gupta 9516217077
VIDISHA 464001 MADHYA PRADESH Deepak Chouksey 8269766265
AMRELI 365601 GUJARAT GAURAV JOSHI 9328763084
BHUJ 370001 GUJARAT Sagar Maheshbhai Bhatti 9825844011
GANDHIDHAM 370201 GUJARAT Rajkumar Pandit 9712322622
HIMATNAGAR 383001 GUJARAT Ronakafroj Abdulbhai Mansuri8511262394
JUNAGADH 362001 GUJARAT Vimalkumar Shrotriya 9979410083
MEHSANA 384001 GUJARAT Viratkumar Hiteshkumar Patel9624302797
MORBI 363641 GUJARAT Imran Shalimamadbhai Sumra6351919037
SURENDRANAGAR 363001 GUJARAT Bhavin Rameshabhai Lakhtariya7383166738
BALASINOR 388255 GUJARAT Kishan Prajapati 8780316937
BORSAD 388540 GUJARAT RAHUL VARMA 8983215090
CHIKHLI GJ 396521 GUJARAT Wasimakram Masihuddin Pathan 9725825826
DAHOD 389151 GUJARAT Aasif Ayyub Bhai Pathan 9974943091
GODHRA 389001 GUJARAT Shah Hari 9725919100
HALOL 389350 GUJARAT Paras Shah 9998489603
JHALOD 389170 GUJARAT Shah Hari 9725919100
KAMREJ 394180 GUJARAT SHOEB BAGWAN 9537971313
NADIAD 387001 GUJARAT MAYUR RABARI 9714634777
SACHIN 394230 GUJARAT KALPESHKUMAR JINJALA 8347432100
SILVASSA 396230 GUJARAT Neeraj Kumar Tripathi 7275612038
VYARA 394650 GUJARAT Gaurangkumar Prafulbhai Patel9099457690
BARSHI 413401 Maharashtra SIDHANT SURVE 8408984884
BULDHANA 443001 Maharashtra PRAMOD SHELKE 9172498233
HINGOLI 431513 Maharashtra Akash Pandit Chavhan 7498255841
JALNA 431203 Maharashtra RADHESHYAM RATHOD 9158258782
JAMNER 424206 Maharashtra Umesh Dnyaneshwar Wankhede8698329824
MAJALGAON 431131 MaharashtraSHAMSUNDAR SHIVPRASAD WAYAL 9529665770
MALKAPUR 443101 Maharashtra AKSHAY SAPKAL 7875163204
OSMANABAD 413501 Maharashtra AVINASH SHINDE 8087871732
PUSAD 445204 Maharashtra RANJIT SHASTRI 8975821433
UDGIR 413517 Maharashtra KUMAR ANIL NAKATE 8698777755
WASHIM 444505 Maharashtra RAJAT KHANDARE 8380039824
BHADRAK 756100 ORRISA Rabindra Jena 9337185645
JAGATSINGHAPUR 754103 ORRISA Biswa Satapathy 9437596026
KENDRAPARA 754211 ORRISA Jagamohan Goal 9040395107
KEONJHAR 758001 ORRISA Manoja Rout 8339942910
NARASIGHPUR 754032 ORRISA PIYUSH PANDA 8917211811
NUAPADA 754032 ORRISA SANYASI SAMAL 9035865404
RAYAGADA 766108 ORRISA Sukanta Sahu 9668211287
SEMILIGUDA 764036 ORRISA Abhisek Singh 7683858744
AHMEDGARH 148021 PUNJAB Lukesh Kumar 9888273714
BARARA 133201 HARYANA Shiv Kumar 2 9888343084
BARWALA 125121 HARYANA VIKAS KUMAR 9896574049
BHADSON 147202 PUNJAB Shiv Kumar 2 9888343084
BILASPUR HR 135102 HARYANA PARDEEP KUMAR RAIZADA 7719478708
BUDHLADA 151502 PUNJAB Varinder Singh 9256250500
CHUNNI KALAN 140406 PUNJAB Mohan Singh 9915732579
DEVIGARH 147111 PUNJAB Shiv Kumar 7009532451
NEEMRANA 301705 RAJASTHAN ASHOK GURJAR 9887460941
PATAUDI 122503 HARYANA Govind Mishra 8287775767
PHILLAUR 144410 PUNJAB Ankush Bagga 7889245920
PUNDRI 136026 HARYANA GOURAV RANA 9050752313
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SARDULGARH 151507 PUNJAB GAURAV KUMAR 8872744777
TALAWANDI SABOO 151302 PUNJAB Pardeep Kumar 9464322609
AKLUJ 413101 Maharashtra Preetam Popat Gosavi 9673892007
BARAMATI 413102 Maharashtra Sanjay Nitave 9766070869
BARAMATI 413102 Maharashtra Sachin Ashok Sutar 8575114747
CHIPLUN 415605 Maharashtra Swapnil Patil 9404360679
JATH 416404 Maharashtra SIDARAY KITTAD 9373700068
KARAD 415110 Maharashtra ROHIT KATE 7219374601
KARAD 415110 Maharashtra MANGESH PALKAR 9657973927
PANDHARPUR 413304 Maharashtra AKSHAY GAIKWAD 9623293233
PHALTAN 415523 Maharashtra SWAYAM MOHITE 9766900859
SATARA 415001 Maharashtra AKSHAY KIRDAT 8459994836
SATARA 415001 Maharashtra VISHAL DHOK 8788217933
SAWANTWADI 416510 Maharashtra VARDHMAAN JAINAPURE 9822157367
SHIRVAL 412801 Maharashtra AMOL CHANDRABHAN JAMNIK8888143013
WARANANAGAR 416113 Maharashtra AMOL PATIL 8600887069
ANAKAPALLI 531001 Andhra Pradesh J VENKATA RAO 9030576166
ANAKAPALLI 531001 Andhra Pradesh Shaik Ahmed Johny 8106217621
PARVATHIPURAM 535501 Andhra Pradesh Vangalapudi Adisankararao 8523095787
RAJAM 532127 Andhra Pradesh D VENKATESHWARA RAO 9000362222
RAYACHOTI 516269 Andhra Pradesh Siva Sankara 9849565992
AMALAPURAM 533201 Andhra Pradesh V.BONAGIRI 9392929588
GUNTAKAL 515801 Andhra Pradesh SYEED MANSUR 8688784794
PALAKOLLU 534260 Andhra Pradesh Ravikumar P 9032288246
TANUKU 534211 Andhra Pradesh SURIBABU DONGALA 9492837100
DAHEGAM 382305 GUJARAT Ajaydan Gadhavi 9974313893
NOTE- POLICY NORMS FOR RSL- (RURAL SALARIED LOAN)

Salary Required in Listed Company & Unlisted Company is 25K+.
PL score and CIBIL Enquires Not check.
RADIUS FROM BASE BRANCH - 30KM****
POLICY NORMS FOR RPR (RURAL PROFESSIONAL LOAN):-
We are sourcing financially and non-financially - Pharma,
Dentist(BDS&MDS)/BAMS,BHMS,MBBS(MD&MS).
Pharma- NON-FINANCIALLY - 7LACS loan capping.
Dentist (BDS & MDS) - 7 - 10Lacs loan capping.
BAMS & BHMS - 25Lacs loan capping.
MBBS (MD&MS) - 32Lacs loan capping.
LAB - 2Lacs loan capping.
MBBS - 25Lacs loan capping.
RADIUS FROM BASE BRANCH – 35KM.
RPR Top up not allowed From Rural Book only
Urban Book top up allowed
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ABSM MAIL ID ASM ASM MO NO
[email protected] PUNEETH DS 9739133233
[email protected] Raghavendra Ms 7026907027
[email protected] RENU C 9108912716
[email protected] Shivashankara S T 9148276681
[email protected] Shivashankara S T 9148276681
[email protected] ASHOK YADAV 9898641737
[email protected] DEVENDRA KUMAR 9680222022
[email protected] ASHEESH SAINI 9887666597
[email protected] ASHEESH SAINI 9887666597
[email protected] R Vinoth 9843886261
[email protected] Manigandan S 7639352225
[email protected] Athilingam Ramanathan 9600833055
[email protected] Vijayabaskar P 9047196667
[email protected] Athilingam Ramanathan 9600833055
[email protected] Gajendiran R 9791488909
[email protected] S CHANDRASEKAR 9597445595
[email protected] Jagadeesan D 9944916783
[email protected] S CHANDRASEKAR 9597445595
[email protected] Praveen Kumar M 7373730203
[email protected] Jagadeesan D 9944916783
[email protected] RAMNIVAS SAHU 9669455584
[email protected] LAKSHMI NARASIMHAN 9145044818
[email protected] Ankur Namdeo 8602497123
[email protected] Nitish Kumar 9608107203
[email protected] Ankur Namdeo 8602497123
[email protected] RAJU MAHADEORAO THANEKAR 7385530720
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[email protected] Harshal Sharma 9028388402
[email protected] Aditya Butte 9604744651
[email protected] SANDEEP RAJASHEKAR 9986129896
[email protected] SANTOSHA K U 8073570933
[email protected] MANJUNATH KALAL 9844635418
[email protected] SURAJ SHANKAR GHODAKE 8605455667
[email protected] MANJUNATH KALAL 9844635418
[email protected] SANTOSHA K U 8073570933
[email protected] KAPIL KESHAV PIMPRE 8482948656
[email protected] NAGESH TIPARE 9834360003
[email protected] Ramprasad Shinde 9552255607
[email protected] PRASAD NARAYAN JOSHI 9422343598
[email protected] Chandan Sharma 9785421721
[email protected] Pankaj Mittal 8386050352
[email protected] Pankaj Mittal 8386050352
[email protected] KEANAL PURI 8085082588
[email protected] SUNIL MEENA 7869981010
[email protected] RAHUL NEMA 8270735511
[email protected] Khemendra Bopche 9630930102
[email protected] Tarun Vishwakarma 7869313397
[email protected] ROHIT MISHRA 9131669291
[email protected] Khemendra Bopche 9630930102
[email protected] Devendra Dhakad 9926723103
[email protected] DHARMENDRA TAWAR 9977003240
[email protected] DHARMENDRA TAWAR 9977003240
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[email protected] GAURAV JOSHI 9328763084
[email protected] Alfaz Linganiya 8128028489
[email protected] Swapnilramesh Dhale 8308814358
[email protected] Sanjaykumar Patel 8690438776
[email protected] RAHUL VARMA 8983215090
[email protected] KALPESHKUMAR JINJALA 8347432100
[email protected] Shah Hari 9725919100
[email protected] SHOEB BAGWAN 9537971313
[email protected] SHOEB BAGWAN 9537971313
[email protected] KUMAR ANIL NAKATE 8698777755
[email protected] VINOD GANESHRAO KOLHE 8329975988
[email protected] RANJIT SHASTRI 8975821433
[email protected] Sandip Jadhav 9021933866
[email protected] RANJIT SHASTRI 8975821433
[email protected] Sunil Baral 8249113347
[email protected] DEEPAK SAMAL 9439430174
[email protected] DEEPAK SAMAL 9439430174
[email protected] SANYASI SAMAL 9035865404
[email protected] Shiv Kumar 2 9888343084
[email protected] PARDEEP KUMAR RAIZADA 7719478708
[email protected] Varinder Singh 9256250500
[email protected] ASHOK GURJAR 9887460941
[email protected] ASHOK GURJAR 9887460941
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[email protected] Chandrakant Patil 7387119683
[email protected] Sachin Pawar 9766343508
[email protected] Swapnil Patil 9404360679
[email protected] AMOL CHANDRABHAN JAMNIK 8888143013
[email protected] SHAIK BASHEER 8106217621
[email protected] V VENKATA RAO 9052551605
[email protected] Bukkuru Madhu 8186877877
[email protected] Bukkuru Madhu 8186877877
[email protected] Ravilla Kumar 8466048092
[email protected] Lavaraju Ankamreddy 9492252007
[email protected] B Chandra Sekhar 9100143353
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ASM MAIL ID RSM RSM MO NO
[email protected] ABHINASH KAVALUR 9964050487
[email protected] BHUPENDRA KUMAR 9828557556
[email protected] ELANGOVAN R 9443057089
[email protected] ESWAR V 9884721622
[email protected] LOKESH PATLE 8007000775
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[email protected] VENUGOPAL PENDYALA 9642131393
[email protected] UMESH KISAN DALVI 9657118282
[email protected] RAGHVENDRA RICHHARIYA 9691861524
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[email protected] RAJUL KISHORKANT VYAS 9099113290
[email protected] RAVIRAJ C PAREKH 9925245472
[email protected] SANTOSH DINKAR VASATKAR 7385098707
[email protected] SHAILESH PRATAP SINGH 9999726956
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RSM MAIL ID CHANNEL MANAGER MO NO MAIL ID
[email protected] Shashi Kant Pandey 9650592176 [email protected]
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[email protected] Kant Pandey 9650592176 [email protected]
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ZSM ZSM MO NO ZSM MAIL ID NSM NSM MO NO
DIRECT VARUN CHADHA8860836667 [email protected] Varun Chadha 8860836667
RAHUL KHATRI 9825411444 [email protected] Varun Chadha 8860836667
WINIFRED RAYAN 7767955009 [email protected]
Direct-Sorabh Parashar
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HIMANSHOO YADAV [email protected]
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HIMANSHOO YADAV 9168163344 [email protected]
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HIMANSHOO YADAV 9168163344 [email protected]
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NSM MAIL ID
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Page 24
RSL ONE PAGER
Parameters
Definition of Product
Type of Loan
Loan Amount
Loan Tenure
Eligibility Calculation Methodology

Total work experience
Minimum Salary Norms
Eligibility Norms
CIBIL Norms
Max Tenor
Loan Type
PD norms
Additional Norms
CIBIL Norms
FOIR Norms
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RSL ONE PAGER
Multiplier Norms
Max Tenor
Normal Balance Transfer
Page 26
RSL ONE PAGER
Rural Salaried loan is unsecured personalUnsecured

loan given Personal Loan is offered
to meet current financialinneeds
belowofmentioned 3 variants:
a salaried person without pledging
a) Term Loan: Fixed monthly repayments including interest and principal for a fixed loan tenure
b) Flexi Term Loan (Flexi Dropline): Variant having monthly repayments of interest and principal depending on the usage of the lo
deposit the funds as per his utilization in loan account. The facility to withdraw funds reduces as per the amortization ch
c) Hybrid Flexi: Flexi Hybrid Loan refers to the variant of Loan under which, the monthly instalments will be pa
Initial Loan tenure (Interest servicing period): Monthly Instalments of the initial term of the Flexi Hybrid Loan, commencing from
shall comprise only of the interest component
Subsequent Loan tenure (Full Installment servicing period): Monthly Instalment shall comprise of principal amount and the inter
MinimumRs. 20,000
(Subsequent
MaximumRs.loan2,000,000
tenure shall commence from the expiry of the Initial loan tenure ).
(Inclusive of Insurance premium, VAS charges, Flexi Fees, and Processing fees)
Minimum12 months
Maximum60 months
For Term Loan: 12 – 60 months

For Flexi Term Loan (Flexi Dropline): 12 – 60 months
For Hybrid Flexi: 12 – 60 months
Interest servicing period can be up to 12 months
Average of last 3 months net salary + 80% of all incentives earned in the quarter.
If Employee availed Car Lease benefits, then driver's salary & Petrol reimbursement, Flexi Pay can be
One-time allowances can't be considered as income for eligibility calculation (i.e. Referral Bonus, joining bonus, re
Arrears will not be considered as income.
Advance salary to be excluded from monthly net salary calculation.
Lower of the two to be considered -
1. As per applicable FOIR

2.As per band-wise Max loan amount mentioned in the grid abov
3 years
Rs 25,001
FOIR – 60%
Max Multiplier of 12
As per General Policy Guidelines
Additional Check:
No Match customers not allowed
CIBIL <720 – Not Allowed (750 for selected locations)
For CIBIL >=720, Minimum 12-month CIBIL History needed
60 months
Term Loan
Dropline Flexi
Hybrid Flexi (Not Allowed)
As per General Policy Guidelines
Pvt Schools satisfying the renowned school norms will not be categorized under Unlisted category
Unlisted Insurance companies and Medical representatives profile not allowed
CIBIL parameters
CIBIL V3 Score >=720 (750 for select branches)
No Match is allowed (not allowed for select branches where the minimum CIBIL cutoff is 750
No DPD (less than 30 DPD) in last 6 months
No 30+ DPD allowed in last 12 months except credit card
W/off with w/off amount > 500 (loans) & 1500 (Card). No W/off amount will also be consid
SMA/DBT/SUB/LSS/90+ < 5 years and Overdue amount > 500 (Loans)/1500 (Cards)
Ever 60+ DPD in the last 36 months AND Overdue amount > 500 (Loans) / 1500 (C
Ever 30+ in 6 months
Overdue amount > 500 (Loans)/1500 (Cards) in last 6 months
Restructured within 5 years. ( Restructure due to COVID - 19 to be excluded)
Current outstanding on all Credit cards >= 10L - Not Allowed
Sal Band Super WOW WOW Lite Normal No Hit Not Allowed
>25-<=27K 55% 50% 50% 50% 50% 0%
>27-<=30K 62% 60% 58% 55% 58% 0%
>30K-<=40K 65% 62% 60% 58% 60% 0%
>40K 70% 67% 65% 62% 65% 0%
Page 27
RSL ONE PAGER
Salary Band Super Wow Wow Wow Lite Normal No Hit

>=25k-30k 10X 10X 10X 8X 10X
>=30k-40k 14X 12X 10X 10X
>=40k-75k 16X 16X 14X
>=75K 16X 16X 10X
Term Loan / Dropline – 60 months

Hybrid 60 months (1+4 years proposition)
ance Transfer
ase customer requests for doing the partial loan disbursement towards closure of any of his live Personal Loans, this Personal Loan EMI would not b
· Minimum Personal Loan BT amount should be of Rs 1 Lacs.
· Minimum 6 months’ performance of the BT loan to be seen
· Personal Loan BT amount can be 75% of the proposed BFL PL amount
· In case of Top-up or BT, loans getting taken over or closed (as a result of Top up & BT) are not to be coun
Customer’s disbursement cheque can be handed over only post proof of closure of BT loan. No exception t
0 Bounce in latest 6 months, 1 bounce allowed in 7 - 12 months and 2 bounces allowed in 13-48 months latest and never delinquent
To Start-off BT is allowed from private banks and NBFC because nationalized and Garmin banks runs OD account in the
Wow Lite, Normal and No Hit are not allowed for External BT
Parallel/Top Up Loan
Under any circumstances FOIR not to be breach as per the segmentation cap
Cross linkage of the parallel or top up loan is must
First parallel loan can be booked as per the segmentation norms.
Super Wow – 6 MOB
Wow – 6 MOB
Wow Lite – 6 MOB
Normal – 12 MOB
No Match – 10 MOB
Full documentation needs to be done on parallel loan booking
No loans allowed before 6 MOB (from FDD) is completed (6 FDD dates for closed loans)
Max 2 disbursals allowed in 12 months (from FDD)
Only 1 live RSL loan allowed
Page 28
RSL ONE PAGER
Norms
oned 3 variants:
ried person without pledging any security and collateral.
incipal for a fixed loan tenure
ending on the usage of the loan. The customer can withdraw and
ces as per the amortization chart for fixed loan tenure .
onthly instalments will be payable as follows:
brid Loan, commencing from the date of disbursement of the Loan,
onent
rincipal amount and the interest component payable on the Loan
the Initial loan tenure ).
es earned in the quarter.

mbursement, Flexi Pay can be added.
erral Bonus, joining bonus, relocation allowance)
me.
lary calculation.
in the grid abov
ches)
minimum CIBIL cutoff is 750
nths
ept credit card
amount will also be considered as derog
00 (Loans)/1500 (Cards)
nt > 500 (Loans) / 1500 (Cards)
ast 6 months
- 19 to be excluded)
Not Allowed
Page 29
RSL ONE PAGER
ersonal Loan EMI would not be considered as obligation for doing the FOIR calculation
BT) are not to be counted as obligation for computing FOIR

re of BT loan. No exception to this process
s latest and never delinquent customers are only allowed in BT loan
banks runs OD account in the name of personal loans.
Page 30
RPR ONE PAGER
SECTION 1: PRODUCT CONSTRUCT
Parameters
Definition of Product
Type of Loan
Loan Amount
Loan Tenure
Business Pricing
Interest Type
Repayment Terms
Permissible purpose of loan
KYC Documentation
Loan Cancellation/ Cooling Off Period
Segment
Target Segment
Applicable Products
Eligible Profiles
Qualification & Min. Experience
Higher degree being provisional degrees/ Marksheet Copy
MBBS
Description
Minimum Loan Amount
Page 31
RPR ONE PAGER
Maximum Loan Amount
Age
Products

Financial U/W Eligibility
BAMS/BHMS/DHMS/GAMS Profiles
Description
Eligible Profiles
Minimum Loan Amount
Maximum Loan Amount
Age
Products

BDS/MDS Profiles
Description
Eligible Profiles
Minimum Loan Amount
Maximum Loan Amount
Page 32
RPR ONE PAGER
Age
Products

CA/CS/ICWA/CMA Profiles
Description
Eligible Profiles
Minimum Loan Amount
Maximum Loan Amount
Age
Products
Minimum Total Experience
Page 33
RPR ONE PAGER
Unsecured personal loan to Professionals like Doctor, Chartered Acco

a) Term Loan: Fixed mon
b) Flexi Term Loan (Flexi Dropline): Variant having monthly repayments of interest and principal depending on the usage of the
c) Hybrid Flexi Loan : Flexi Hybrid Loan refe

Initial Loan tenure (Interest servicing period): Monthly Instalments of the initial ter
Subsequent Loan tenure (Full Instalment servicing period): Monthly Instalment shall comprise of prin
(Inclusive of Insurance Prem
Fo
Repayment terms are m

Providing unsec
As per RBI
Cooling off/Look-up period of three days from the
5.
Self-employed
Individual practicing
Doctors graduating from foreign are a
Qualification - Post Graduate/Su
For higher eligibility as per calculator below exper
Provisional Degrees issue date g

If Provisional Degree issue date is less than 6 months & it is getting veri
If Provisional Degree issue date is less than 6 months & it is not
Higher Degree
Mar
Marksheet requ
If marksheet is not of final year or
Page 34
RPR ONE PAGER
* Other VAS services finance amount can b
Max
Fle
Hybrid
BAMS/BHMS/DHMS with CIBIL <800 and >=3

BAMS/ BH
M
Max l
Max lo
Max loan c
*Other VAS services finance amount can b
Max
Fle
Hybrid
Qualifi
BDS < 775
Expe
Page 35
RPR ONE PAGER
Max
Fle
M
MDS wi
MDS with specializatio
Only self-employed
CA: Qualified Chartered

CS: Qualified Compan
CMA: Qualified Cost & Man
Partnership firm is allowed subject to degree level max loan cap is not breached. If one par
Fle
Hybrid
Minim
Minimum 3
Page 36

Bajaj Rural Location List

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Sheet1

Locations PINCODE STATE ABSM ABSM MO NO

NOTE- POLICY NORMS FOR RSL- (RURAL SALARIED LOAN)

Eligibility Calculation Methodology

Rural Salaried loan is unsecured personalUnsecured

For Term Loan: 12 – 60 months

1. As per applicable FOIR

Salary Band Super Wow Wow Wow Lite Normal No Hit

Term Loan / Dropline – 60 months

es earned in the quarter.

in the grid abov

BT) are not to be counted as obligation for computing FOIR

Qualification & Min. Experience

Higher degree being provisional degrees/ Marksheet Copy

Maximum Loan Amount

Qualification & Min. Experience

Maximum Loan Amount

Qualification & Min. Experience

Maximum Loan Amount

Qualification & Min. Experience

Maximum Loan Amount

Minimum Total Experience

Unsecured personal loan to Professionals like Doctor, Chartered Acco

c) Hybrid Flexi Loan : Flexi Hybrid Loan refe

(Inclusive of Insurance Prem

Repayment terms are m

Provisional Degrees issue date g

If marksheet is not of final year or

* Other VAS services finance amount can b

BAMS/BHMS/DHMS with CIBIL <800 and >=3

*Other VAS services finance amount can b

BDS < 775

*Other VAS services finance amount can b

CA: Qualified Chartered

*Other VAS services finance amount can b

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