Sub-K MSME (New)

CSR's UI --> MSME customer

Quick data entry

Loan Details - Why?! - Auto-calculate

Loan amount

Tenure

Interest Rate

EMI calculator/ monthly EMI

E-KYC

KYC ID capture (OCR + OTP/ Biometric based consent)

PAN authentication (OCR --> extract Name, Care of, Gender, DOB/ age)

Credit Bureau Check

Mobile no verification (OTP based consent)

DeDupe and ML Model - suggest

Quick loan eligibility check through ML model

GPS Lat, long capture - auto-extract business pincode

Detailed data entry

Applicant Name, Email, Gender, Marital status, Applicant type, Educatoinal qualificatoin, community code, Category, Permanent address, Address line 1, Address line 2, Landmark, Pincode, Village, City , State, Current address, Is your current address same as your permanent address?, Address line 1, Address line 2, Landmark, Pincode, Village, City , State

Nominee details - Nature of account, Name of Nominee, D.O.B, Nominee Age, Relation with applicant, Is nominee address same as customer address?

Income & Expenditure

Business start year/ months + total experience in business

Annual income (household and business), Annual expenditure (household and business), Annual Surplus (household and business)

Loan purpose

Eligibility and demographic questions - Why?! Auto-extract

Eliminate duplication through DeDupe

Witness/ reference details

Family details
Adults, Children (Name, relation, age, gender, occupation, education qualification)

Industry type

Asset Market valuation - Should be used in predicting HH expenses else what's the point of asking?
Livestock, Agricultural Implements, Vehicles, Any other machine+stock (sector code and
sub-sector code)

Existing loan detail - why are we asking? Isn't CB data sufficient?
Source, purpose, amount, outstanding

Document capture - let's also capture bank statement PDF here


Business premise inside with customer or applicant, Business premise outside with customer or applicant, Business document, Customer sign, Family income source, Family income, Electricity Bill, GSTN image, ITR

Guarantor check and details Shouldn't these be captured in quick data entry along with KYC authentication and credit bureau check?
First Name, Last Name, D.O.B, Mobile No, Gender, Permanent address, Address, village, city, state

FX's UI --> MSME customer

Business reference check

Ownership

Rent or owned

Vintage > 2 years

Local resident?

Customer behavior and market reputation

Employee Details

Non-financial data points

Full-time, part-time

Family, non-family

Municipality Registration

GST registration

ITR filing

Shop electricity bill
Why not captured by CSR at document's pic upload?

Business records/ book-keeping

Housekeeping of business premises - too subjective

Supplier check

In this segment, suppliers are dynamic and may not even be applicable. Moreover, too subjective
Name, Mobile no, Frequency of purchase (per year), Avg purchase each time, Know the client since(yrs), Feedback about client

Cashflow due diligence

Monthly business revenue

Monthly business expenses

Monthly non-business income

Monthly household expenses

Other fixed-obligations

Net monthly saving

Loan purpose, Autocalculated - amount, tenure, EMI

Loan recommendation - amount, tenure, EMI

Cashflow addendum

Whats the purpose?

Business Premises

Nature of business

Business Premise ownership

Business location
No need of subjective judgement. Can be extracted from Google Place API

Credit Bureau History
Analysis can be automated

Banking transactions
Analysis can be automated