@if (!isAdvance) {
Security & Lien applies to an Advances A/C product. Choose it on the Details step.
} @if (isAdvance) {

Security & Margin

Security Type From Sub Type — not chosen again @if (isGold || isWarehouse) { Eligible Amount Basis @if (isGold) { Fixed for Gold: valued on weight, purity and the gold rate } @else { Fixed for Warehouse Receipt: valued on quantity and the commodity's market price } } @else { Eligible Amount Basis @for (opt of eligibleAmountBasisOptions; track opt.id) { {{ opt.label }} } Eligible Amount Basis is required } Margin (%) 0 – 100. Drawing Power = security value × LTV @if (loanProductSecurityLienForm.get('margin').hasError('required')) { Margin is required } @else { Margin must be between 0 and 100 } LTV (%) = 100 − Margin @if (isGold) { Maximum LTV Cap (%) No account may be sanctioned above this LTV (RBI ceiling 75%) @if (loanProductSecurityLienForm.get('goldMaxLtv').hasError('required')) { Maximum LTV Cap is required } @else { Must be between 1 and 100 } } @if (isWarehouse) { Maximum LTV Cap (%) No account may be sanctioned above this LTV @if (loanProductSecurityLienForm.get('wrMaxLtv').hasError('required')) { Maximum LTV Cap is required } @else { Must be between 1 and 100 } }
@if ((isGold || isWarehouse) && loanProductSecurityLienForm.hasError('ltvAboveCap')) {
LTV (100 − Margin) is above the Maximum LTV Cap. Raise the margin or the cap.
}
@if (isGold) {

Gold Details

Pledged ornaments — no lien marking

Valuation basis

Minimum Purity (carat) @for (carat of goldPurityOptions; track carat) { {{ carat }} carat } Ornaments below this purity are not accepted Valuation Rate Source @for (opt of goldRateSourceOptions; track opt.id) { {{ opt.label }} } Allowed Items @for (opt of goldAllowedItemsOptions; track opt.id) { {{ opt.label }} } Max Loan per Gram (₹) Optional bank cap on the gold rate Must be above 0 Min Net Weight (g) Optional Max Net Weight per Customer (g) Optional
@if (loanProductSecurityLienForm.hasError('netWeightRange')) {
Minimum net weight cannot exceed the maximum per customer.
}

Valuation by appraiser

Appraiser Required Valuation Certificate Required @for (opt of yesNoOptions; track opt) { {{ opt }} } Max Valuation per Appraiser (₹) Optional default limit for one appraiser Must be above 0

Safe custody

Packet No. Prefix The packet number itself is set per account Insurance Required @for (opt of yesNoOptions; track opt) { {{ opt }} }

Revaluation

Revalue the gold when the loan turns NPA (short-term loans are not revalued on a schedule) Charge the customer for revaluation (set the fee on the Charges step)

Loan servicing rules

Partial release of ornaments allowed on part payment (LTV must stay within the cap) Third-party gold allowed (relative's gold, consent letter required)

Disbursement and monitoring

Disbursement Mode @for (opt of goldDisbursementModeOptions; track opt.id) { {{ opt.label }} } @if (loanProductSecurityLienForm.get('goldDisbursementMode').value === 'account_credit_cash_limit') { Cash Disbursement Limit (₹) Cash above this is not allowed (Income Tax Sec 269SS) Must be between 0 and {{ goldCashLimitMax }} } LTV Breach Alert (%) Flag the account when the live LTV (after a gold rate fall) crosses this level Required, between 1 and 100
@if (loanProductSecurityLienForm.hasError('alertBelowCap')) {
LTV Breach Alert cannot be below the Maximum LTV Cap.
}

Auction and recovery

Auction Notice Period (days) Notice given before an auction after NPA Auction Notice Period is required Auction Reserve Price (% of market value) Gold is not sold below this share of the market value Required, between 1 and 100
Customer may redeem (clear dues and take the gold) any time before the auction. Always on
Packet number, item list, weights, carat, appraiser and valuation date are captured per account at Loan Account Creation, not on the product.
} @if (isWarehouse) {

Warehouse Receipt Details

Pledged commodity — no lien marking

Receipt

Receipt Type Allowed @for (opt of wrReceiptTypeOptions; track opt.id) { {{ opt.label }} } e-NWR is pledge-marked online in the repository Warehouse WDRA-registered Quality / Assay Certificate
Tenure cannot exceed the receipt's validity date Receipt must be pledge-marked in the repository before disbursement

Commodity and valuation

Eligible Commodity Groups @for (opt of wrCommodityGroupOptions; track opt.id) { {{ opt.label }} } Only receipts for these commodities can be pledged Pick at least one commodity group Valuation Price Source @for (opt of wrValuationSourceOptions; track opt.id) { {{ opt.label }} } Max Loan per Quintal (₹) Optional bank cap on the price Must be above 0

Insurance and inspection

Insurance Required @for (opt of yesNoOptions; track opt) { {{ opt }} } Stock Inspection Every (months) Physical check that the stock is in the warehouse Required, at least 1 LTV Breach Alert (%) Flag the account when a price fall pushes the live LTV above this Required, between 1 and 100
@if (loanProductSecurityLienForm.hasError('alertBelowCap')) {
LTV Breach Alert cannot be below the Maximum LTV Cap.
}

Loan servicing rules

Partial release of stock allowed on part payment (LTV must stay within the cap)

Disposal and recovery

Disposal Notice Period (days) Notice given before the stock is sold after NPA Disposal Notice Period is required Disposal Reserve Price (% of market value) Stock is not sold below this share of the market value Required, between 1 and 100
Customer may redeem (clear dues and take the stock) any time before the disposal. Always on
Commodity, quantity, grade, warehouse, receipt number and validity, repository pledge reference and the market price on the sanction date are captured per account at Loan Account Creation, not on the product.
} @if (isLienSubType) {

Lien Settings

FD · RD · DDS · LIC

Lien marking

Lien Required Lien Marking Stage @for (opt of lienMarkingStageOptions; track opt.id) { {{ opt.label }} } Eligible Deposit Products @for (product of depositProductOptions; track product) { {{ product }} } Only accounts of these deposit products can be pledged for this advance Pick at least one deposit product

Rules

Tenure cannot exceed deposit maturity date Auto-release lien when the advance is closed Allow multiple deposits for one advance Adjust advance from deposit proceeds at maturity Allow third-party deposit (consent letter required) Allow deposit renewal under lien (lien carries forward)

Lien certificate

Lien Certificate Required @for (opt of yesNoOptions; track opt) { {{ opt }} } @if (loanProductSecurityLienForm.get('lienCertificateRequired').value === 'YES') { Certificate No. Prefix Prefix is required Print on Disbursement @for (opt of yesNoOptions; track opt) { {{ opt }} } }
Interest basis and spread are set on the Interest step; the lien-certificate fee on the Charges step.
} }