Approach for Gradation of Risks
All "Borrower/s" on the loan facility are hereby informed that the company has the following approach and considers the following factors for assessing the gradation of risks for each Borrower:
Profile, financial stability, and market reputationCredit history (vintage on bureau, bureau profile, repayment across trade lines, enquiry trend etc)Duration of relationship with the BorrowerDefault risk in related customer segmentIncome of the customerObligation to Income ratioGeography (location) of the BorrowerOther laws or any other factors on a case-by-case basis, as applicable.