Loan Eligibility

How our loans are running (RBI asset classification) and which loan products the good borrowers are eligible for, using the eligibility rules set on each loan product. @if (summary) { As on {{ summary.asOnDate }}. }

} @if (error) {

} @if (loading) {

Loading loan book…

{{ $index < loadingStep ? '✓' : $index === loadingStep ? '…' : '' }} {{ st }}

} @if (summary; as s) {

Active loans {{ s.activeLoans }} ₹{{ s.activeOutstanding | number: '1.0-0' }} outstanding

Running well (Standard + SMA) {{ s.performingLoans }} ₹{{ s.performingOutstanding | number: '1.0-0' }}

Gone bad (NPA) {{ s.npaLoans }} ₹{{ s.npaOutstanding | number: '1.0-0' }} · Gross NPA {{ s.grossNpaPct }}%

Written off / Closed {{ s.writtenOffLoans }} / {{ s.closedLoans }} ₹{{ s.writtenOffAmount | number: '1.0-0' }} written off

@if (view === 'BOOK') {

Loans by RBI asset classification (days past due)

@for (st of performingStages; track st.stage) { } @for (st of npaStages; track st.stage) { } @for (st of closedStages; track st.stage) { }

Class	Days past due	Loans	Outstanding	Overdue	Share of book
{{ st.label }}	{{ st.dpdRange }}	{{ st.loans }}	₹{{ st.outstanding \| number: '1.2-2' }}	₹{{ st.overdue \| number: '1.2-2' }}	{{ share(st) }}%
{{ st.label }} (NPA)	{{ st.dpdRange }}	{{ st.loans }}	₹{{ st.outstanding \| number: '1.2-2' }}	₹{{ st.overdue \| number: '1.2-2' }}	{{ share(st) }}%
{{ st.label }}	{{ st.dpdRange }}	{{ st.loans }}	–	–

Active loans by product

@for (p of s.products; track p.productId) { } @empty { }

Product	Active	Running well	NPA	Outstanding	NPA outstanding
{{ p.productName }}	{{ p.activeLoans }}	{{ p.performingLoans }}	{{ p.npaLoans }}	₹{{ p.outstanding \| number: '1.2-2' }}	₹{{ p.npaOutstanding \| number: '1.2-2' }}
No active loans.

Share linking to borrowing (5% unsecured · 2.5% secured)

Shares required on running loans: ₹{{ s.shareRequired | number: '1.0-0' }} Shares held by these members: ₹{{ s.shareHeld | number: '1.0-0' }} Members short: {{ s.shareShortMembers }} (₹{{ s.shareShortfall | number: '1.0-0' }} to collect)

} @if (view === 'BORROWERS') {

Borrowers — Good {{ s.goodBorrowers }} · Watch {{ s.watchBorrowers }} · Bad {{ s.badBorrowers }}

@for (c of categories; track c.value) { }

Good: every running loan is regular (0 days past due) and nothing was ever written off. Watch: a loan is overdue up to 90 days (SMA). Bad: a loan is NPA or written off. Eligibility is worked out for good borrowers only; a fresh loan also needs a clean EMI record (at most 2 EMIs ever paid late).

@if (borrowersLoading) { } @for (b of borrowersLoading ? [] : pagedBorrowers; track b.clientId) { } @empty { }

Borrower	Category	Running / Closed	EMI record	Outstanding	Max days overdue	Worst class	More loan?
Fetching borrowers…
{{ b.clientName }} ({{ b.clientAccountNo }})	{{ categoryLabel(b.category) }}	{{ b.activeLoans }} / {{ b.closedLoans }}	{{ b.emisPaid - b.emisLate }} / {{ b.emisPaid }} on time @if (b.emisLate) { ({{ b.emisLate }} late) }	₹{{ b.outstanding \| number: '1.2-2' }}	{{ b.maxDpd }}	{{ b.worstStage \|\| '–' }}	@if (b.eligibleProducts > 0) { Yes · {{ b.eligibleProducts }} products } @else { No }
No borrowers in this category.

@if (borrowers.length > pageSize) { }

} @if (selected; as b) {

Age: {{ b.age ?? 'not recorded' }} Monthly income: {{ b.monthlyIncome ? '₹' + (b.monthlyIncome | number: '1.0-0') : 'not recorded' }} Current EMIs: ₹{{ b.currentEmi | number: '1.0-0' }} EMI record: {{ b.emisPaid - b.emisLate }} of {{ b.emisPaid }} paid on time Deposits (savings / FD / RD): ₹{{ b.depositBalance | number: '1.0-0' }} Shares held: ₹{{ b.shareHeld | number: '1.0-0' }} (needed ₹{{ b.shareRequired | number: '1.0-0' }} incl. membership)

@for (a of b.accounts ?? []; track a.accountNo) {

{{ a.type }} account {{ a.accountNo }} — last 6 months (money in, expenses, balance)

@for (m of a.months; track m.month) { }

Month	Credits (in)	Debits (expenses + EMIs)	Left over	Average balance	Cheque / ECS returns
{{ m.month }}	₹{{ m.credits \| number: '1.0-0' }}	₹{{ m.debits \| number: '1.0-0' }}	₹{{ m.credits - m.debits \| number: '1.0-0' }}	₹{{ m.avgBalance \| number: '1.0-0' }}	{{ m.returns }}
Monthly average	₹{{ b.avgCredits \| number: '1.0-0' }}	₹{{ b.avgDebits \| number: '1.0-0' }}	₹{{ b.avgCredits - b.avgDebits \| number: '1.0-0' }}	@if (b.avgCredits > 0) { Spends {{ (b.avgDebits / b.avgCredits) * 100 \| number: '1.0-0' }}% of income }	{{ b.returns }}

}

Loans

@for (l of b.loans ?? []; track l.loanId) { }

Loan	Product	Status	Class	Days overdue	EMIs on time	Disbursed	Outstanding	Overdue	Shares needed
{{ l.accountNo }}	{{ l.productName }}	{{ l.status }}	{{ l.stage }}	{{ l.dpd }}	{{ l.emisPaid - l.emisLate }} / {{ l.emisPaid }}	₹{{ l.disbursed \| number: '1.2-2' }}	₹{{ l.outstanding \| number: '1.2-2' }}	₹{{ l.overdue \| number: '1.2-2' }}	@if (l.shareRequired) { ₹{{ l.shareRequired \| number: '1.0-0' }} ({{ l.sharePct }}%) } @else { – }

@if (b.category === 'GOOD') {

Eligible loan products

@for (e of b.eligibility ?? []; track e.productId) { } @empty { }

Product	Eligible	Up to	Shares to take	In hand	Why
{{ e.productName }}	{{ e.eligible ? 'Yes' : 'No' }}	{{ e.eligibleAmount ? '₹' + (e.eligibleAmount \| number: '1.0-0') : '–' }}	@if (e.shareToBuy) { ₹{{ e.shareToBuy \| number: '1.0-0' }} ({{ e.sharePct }}%) } @else { – }	{{ e.netInHand ? '₹' + (e.netInHand \| number: '1.0-0') : '–' }}	@for (f of e.failed; track $index) { ✗ {{ f }} } @for (p of e.passed; track $index) { ✓ {{ p }} } @for (n of e.notes; track $index) { • {{ n }} }
No active loan products.

} @else {

Eligibility is not worked out for this borrower because a loan is overdue, NPA or written off.

}

{{ n }}

}