[{"que":"What are the eligible borrower profiles for Vanilla + FD

Scheme?","ans":"VGhlIHNjaGVtZSBpcyBwZXJtaXR0ZWQgb25seSBmb3Igc2FsYXJpZWQgaW5kaXZpZHV
hbCBhcHBsaWNhbnRzLg=="},{"que":"What are the eligible borrower profiles for Low LTV
scheme?","ans":"VGhlIHNjaGVtZSBpcyBwZXJtaXR0ZWQgZm9yIG9ubHkgcmVzaWRlbnQgc2VsZi0gZW1
wbG95ZWQgaW5kaXZpZHVhbC7CoA=="},{"que":"Do we need to capture \"Pensioner\" as
nature of employment for salaried individuals applying after their retirement
age?","ans":"Tm8uIEhvd2V2ZXIsIGNvbnRpbnVpdHkgb2Ygc2FsYXJ5LyBwZW5zaW9uIGluY29tZSB0by
BiZSBhc3Nlc3NlZCBmb3IgdGhlIGVudGlyZSB0ZW51cmUgb2YgdGhlIGxvYW4gaWYgYWdlIGF0IGFwcGxpY
2F0aW9uIGlzICZndDs2MCB5ZWFycy4gRm9yIGUuZy4gSWYgYSBzYWxhcmllZCBpbmRpdmlkdWFsIGFwcGxp
ZXMgZm9yIEF1dG8gbG9hbiBhdCBhZ2Ugb2YgNjEgWWVhcnMgZm9yIDQgWWVhcnMsIHdlIG5lZWQgdG8gY2h
lY2sgY29udGludWl0eSBvZiBzYWxhcnkgL1BlbnNpb24gaW5jb21lIGZvciBlbnRpcmUgNCB5ZWFycyB0ZW
51cmUu"},{"que":"For FOIR calculation is salaried individual, dose the age refers
to age at
maturity?","ans":"Tm8sIEZvciBGT0lSIGNhbGN1bGF0aW9uIG9mIHNhbGFyaWVkIGluZGl2aWR1YWwsI
GFnZSByZWZlcnMgdG8gYWdlIGF0IHRoZSB0aW1lIG9mIGxvYW4gYXBwbGljYXRpb24uIGkuZS4gSWYgdGhl
IGFnZSBhdCB0aGUgdGltZSBvZiBsb2FuIGFwcGxpY2F0aW9uIGlzIHVwIHRvIDY1IHllYXJzLCBtYXhpbXV
tIEZPSVIgaXMgNzAlIGVsc2UgaXQgaXMgMzAlLg=="},{"que":"Can we fund Salaried Residence-
Cum-Office Cases?","ans":"Tm8="},{"que":"Do we require Permanent address
proof?","ans":"Tm8sIG9ubHkgVFZSIGlzIHJlcXVpcmVkIGF0IHBlcm1hbmVudCBhZGRyZXNzIGluIHNj
ZW5hcmlvcyBzcGVjaWZpZWQgaW4gdGhlIFBvbGljeS4="},{"que":"Do we require employment
continuity proof for salaried
individuals?","ans":"Tm8gc2VwYXJhdGUgZG9jdW1lbnQgaXMgcmVxdWlyZWQgdG8gYmUgY29sbGVjdG
VkIGZvciB2YWxpZGF0aW5nIGVtcGxveW1lbnQgY29udGludWl0eSBvZiBzYWxhcmllZCBpbmRpdmlkdWFsc
yBhcyBJVFIvIEZyb20gMTYgZm9yIG9uZSB5ZWFyIGlzIGEgbWFuZGF0b3J5IGRvY3VtZW50IHdoaWNoIGlz
IHN1ZmZpY2llbnQgZm9yIHZhbGlkYXRpbmcgdGhlIGVtcGxveW1lbnQgY29udGludWl0eS4gSG93ZXZlciw
gZm9yIGFsbCBtZXJjaGFudCBuYXZ5LyBzYWlsb3IgY2FzZXMsIHdlIG5lZWQgdG8gbWFuZGF0b3JpbHkgY2
9sbGVjdCB0aGUgQ29udGludW91cyBEaXNjaGFyZ2UgQ2VydGlmaWNhdGUu"},{"que":"Can we take
LTV/FOIR deviation in Vanilla +
FD?","ans":"Tm8sIExUViBhbmQgRk9JUiBpcyBub3QgcGVybWl0dGVkLg=="},{"que":"Do we
require business continuity proof for self-employed Individuals/ non-
individuals?","ans":"Tm8sIG9ubHkgaW5mb3JtYXRpb24gZGlzY2xvc2VkIGluIHRoZSBhcHBsaWNhdG
lvbiBmcm9tIGlzIHN1ZmZpY2llbnQgZXhjZXB0IGZvciBCYW5raW5nIFN1cnJvZ2F0ZSBQcm9kdWN0Lg=="
},{"que":"In eligibility calculation using multipliers, which loans to be
considered for reducing the existing
POS?","ans":"QWxsIGFjdGl2ZSBBdXRvIGxvYW5zLCBVc2VkIGF1dG8gbG9hbnMgYW5kIEZsZWV0IGxvYW
5zIHdpdGggQXhpcyBCYW5rLg=="},{"que":"How to calculate the eligibility of self-
employed individual if the audited financials are also
submitted?","ans":"RWxpZ2liaWxpdHkgY2FsY3VsYXRpb24gZm9yIHNlbGYtZW1wbG95ZWQgaW5kaXZp
ZHVhbCB0byBiZSBkb25lIG9ubHkgYmFzaXMgbXVsdGlwbGllciBvbiBuZXQgYW5udWFsIGluY29tZSBhcyB
wZXIgSVRSLg=="},{"que":"For self-employed individual what does the net annual
income as per ITR
mean?","ans":"SXQgcmVmZXIgdG8gdGhlICJUb3RhbCBJbmNvbWUiIGFzIHBlciBJVFItViBpLmUuIG5ld
CBvZiBkZWR1Y3Rpb25zIHVuZGVyIENoYXB0ZXIgVkktQS4gaW5jb21lIGNhbiBiZSBmcm9tIGFueSBzb3Vy
Y2Ugdml6LiBpbmNvbWUgZnJvbSBidXNpbmVzcyAmYW1wOyBwcm9mZXNzaW9uLCBDYXBpdGFsIGdhaW4sIG9
0aGVyIHNvdXJjZXMsIGV0Yy4="},{"que":"For Self-Employed cases, can we add
depreciation into Total Income as per
ITR?","ans":"Tm8uIE9ubHkgVG90YWwgaW5jb21lIGFzIHNob3duIGl0IElUUi1WIGNhbiBiZSBjb25zaW
RlcmVkIGZvciBjYWxjdWxhdGlvbiBvZiBlbGlnaWJpbGl0eS4="},{"que":"Can we give repayment
of Cat B Car for taking loan Cat C + Car under Repayment
surrogate?","ans":"Tm8sIHJlcGF5bWVudCB0cmFjayBzaG91bGQgYmUgb2YgdGhlIHNhbWUgY2FyIGNh
dGVnb3J5IG9yIG9uZSBjYXRlZ29yeSBiZWxvdyBvZiB0aGUgcHJvcG9zZWQgY2FyIGkuZS4gZm9yIENhdCB
DKywgd2UgY2FuIGNvbnNpZGVyIHJlcGF5bWVudCBvZiBDYXQgRCwgQ2F0IEMrIG9yIENhdCBDIGNhciBvbm
x5Lg=="},{"que":"Can we consider repayment track of used car as well under the
Repayment surrogate
program?","ans":"Tm8sIHJlcGF5bWVudCB0cmFja3Mgb2Ygb25seSBOZXcgQXV0byBMb2FucyBjYW4gYm
UgY29uc2lkZXJlZC4="},{"que":"What are the deviations under low LTV
Product?","ans":"Tm8uIGRldmlhdGlvbnMgYXJlIHBlcm1pdHRlZCBvbiB0aGUgbm9ybSBzcGVjaWZpZW
QgdW5kZXIgTG93LUxUViBwcm9kdWN0Lg=="},{"que":"In case partner is applying for loan
in this individual name and repayment will also be from his individual bank a/c, do
we need to take balance sheet of the firm?","ans":"Tm8u"},{"que":"In case director
is applying for loan is his individual name and repayment will also be from his
individual bank A/c, do we need take balance sheet of the
company?","ans":"SWYgdGhlIGRpcmVjdG9yIGlzIGFwcGx5aW5nIGFzIHNhbGFyaWVkIGRpcmVjdG9yLC
B3ZSBuZWVkIHRvIGNvbGxlY3QgdGhlIGZpbmFuY2lhbCBvZiB0aGUgY29tcGFueSBhcyB3ZWxsIGVsc2UgZ
mluYW5jaWFscyBvZiB0aGUgY29tcGFueSBhcmUgbm90IHJlcXVpcmVkIHRvIGJlIGNvbGxlY3RlZC4="},
{"que":"Vehicle is in the name of partner/ director, his financials are considered.
Can we take repayment from firm/ companys bank account?","ans":"Tm8u"},
{"que":"Vehicle is in the name of a firm/ company. Financial are considered for
partner/ director. Can we take repayment track of the firm if loan is in the name
of
partner?","ans":"PGRpdj5Obywgc2FtZSBpcyBub3QgcGVybWl0dGVkIGFzIHBlciB0aGUgaW5jb21lIG
93bmVyc2hpcCBncmlkPC9kaXY+"},{"que":"Under Repayment track product, can we consider
repayment track of the firm if the loan is in the name of the
partner?","ans":"WWVzLCB3ZSBuZWVkIHRvIHRha2UgZmlybSBhcyBhIGNvLWFwcGxpY2FudA=="},
{"que":"Do we require audited financials in all cases where the borrower is
partnership
firm?","ans":"QXMgcGVyIHRoZSBJLlQuIEFjdCwgaW4gY2FzZXMgd2hlcmUgdGhlIHR1cm5vdmVyIGV4Y
2VlZHMgUnMuIDEwMCBsYWNzIG9yIGdyb3NzIHJlY2VpcHRzIGV4Y2VlZHMgUnMuIDI1IGxhY3MsIHRoZSBh
Y2NvdW50cyBuZWVkcyB0byBiZSBhdWRpdGVkLiBJbiBjYXNlIHdoZXJlIHRoZSB0dXJub3Zlci9ncm9zcyB
yZWNlaXB0cyBpcyBiZWxvdyBScy4gMTAwbGFjcyAvIDI1bGFjcywgYXMgdGhlIGNhc2UgbWF5IGJlIDglIG
9mIHR1cm5vdmVyIGlzIGNvbnNpZGVyZWQgYXMgaW5jb21lIGFuZCB0YXggY2FsY3VsYXRlZCBhY2NvcmRpb
mdseS4gSG93ZXZlciwgaWYgdGhlIGFzc2Vzc2UgZGVjbGFyZXMgbG93ZXIgaW5jb21lIHRoYW4gOCUsIGhl
IG5lZWRzIHRvIGdldCB0aGUgYWNjb3VudHMgYXVkaXRlZC4="},{"que":"Can we collect repayment
from non-primary account as
well?","ans":"Tm8sIHRoZSBzYW1lIGlzIG5vdCBwZXJtaXNzaWJsZSBhcyBwZXIgcG9saWN5LiBIb3dld
mVyLCBvZmZpY2VyIGF0IEwyIGxldmVsIGhhcyBwb3dlciB0byBkZXZpYXRlIG9uIHRoaXMgcmVxdWlyZW1l
bnQgaWYgdGhlcmUgYXJlIHJlbGV2YW50IG1pdGlnYW50cyBpbiBwbGFjZS4gTm8gZGV2aWF0aW9uIHJlcXV
pcmVkIHdoZXJlIHRoZSBub24tcHJpbWFyeSBhY2NvdW50IGlzIGF4aXMgQmFuayBVZGFhbiBBL2Mu"},
{"que":"Can we fund NRI/ OCI/PIO under priority account
product?","ans":"WWVzLCB3ZSBjYW4gZnVuZCBzYWxhcmllZCBOUkkvT0NJL1BPSSB1bmRlciBwcmlvcm
l0eSBhY2NvdW50IHByb2R1Y3QuIE5SSSBTZWxmLWVtcGxveWVkIGNhbiBvbmx5IGJlIGZ1bmRlZCB1bmRlc
iAxMDAlIHByb2R1Y3Qu"},{"que":"Can we fund motor insurance if Axis Bank is having
tie-up with an insurance
company?","ans":"Tm8sIHdlIGNhbm5vdCBmdW5kIG1vdGhlciBpbnN1cmFuY2Uu"},{"que":"Can we
take Priority / Wealth account relationship in joint name as
well?","ans":"WWVzLg=="},{"que":"Can we do Residence cum Office cases under Banking
surrogate and low LTV Products?","ans":"Tm8u"},{"que":"Applicant is currently
residing in a rented accommodation but is having owned residence in the same city.
Can we consider the same under Banking surrogate
product?","ans":"WWVzLCB0aGUgc2FtZSBpcyBwZXJtaXR0ZWQgcHJvdmlkZWQgb3duZXJzaGlwIHByb2
9mIGFzIHNwZWNpZmllZCBpbiB0aGUgcG9saWN5IGlzIGRvY3VtZW50ZWQgaW4gdGhlIGZpbGUu"},
{"que":"Do we require any documentary proof for landline/post-paid telephone
numbers?","ans":"Tm8u"},{"que":"How to conduct FI/ Tele-Verification/ official e-
mail id confirmation in case of applicants working with Indian armed
forces?","ans":"RkkvVFZSIGlzIHdhaXZlZCBmb3IgYXBwbGljYW50cyB3b3JraW5nIHdpdGggSW5kaWF
uIGFybWVkIGZvcmNlcy4="},{"que":"What is the Preapproved Auto loans
Program?","ans":"UHJlLWFwcHJvdmVkIEF1dG8gbG9hbnMgYXJlIHByb3ZpZGVkIHRvIGEgc2VsZWN0IH
NldCBvZiBjdXN0b21lcnMgYmFzZWQgb24gdGhlIGludGVybmFsIGxpYWJpbGl0eSBzY29yZSAodGhlaXIgb
3ZlcmFsbCByZWxhdGlvbnNoaXAgdmFsdWUgd2l0aCB0aGUgQmFuayku"},{"que":"What are the loan
amounts we offer under the
program?","ans":"Q3VzdG9tZXJzIHdobyBxdWFsaWZ5IHVuZGVyIHRoZSBwcm9ncmFtIGNhbiBiZSBvZm
ZlcmVkIGxvYW4gYW1vdW50cyBhbnl3aGVyZSBiZXR3ZWVuIFJzLiAzIExhYyAtIFJzLiAxMCBsYWMu"},
{"que":"Is there any LTV restriction on the loan amount
offered?","ans":"WWVzLCB0aGUgTWF4IExUViByZXN0cmljdGlvbiBvZiA4NSUgYXBwbGllcy4="},
{"que":"What is the Eligible Income Computation
Methodology?","ans":"PGRpdj5UaGUgZWxpZ2libGUgaW5jb21lIGNvbXB1dGF0aW9uIG1ldGhvZG9sb2
d5IGlzIGFzIGJlbG93OjwvZGl2PjxkaXY+Jmx0O2ImZ3Q7QSkgU2FsYXJpZWQ6Jmx0Oy9iJmd0OzwvZGl2P
jxkaXY+TmV0IFNhbGFyeSDCoCsgNTAlIG9mIHRoZSB2YXJpYWJsZXMgb2YgbGFzdCAzIG1vbnRoczwvZGl2
PjxkaXY+Jmx0O2ImZ3Q7QikgU2VsZiBFbXBsb3llZCBJbmRpdmlkdWFsOiZsdDsvYiZndDs8L2Rpdj48ZGl
2Pk5ldCBUYXhhYmxlIEluY29tZSBhcyBwZXIgSVRSPC9kaXY+PGRpdj4mbHQ7YiZndDtDKSBQYXJ0bmVyc2
hpcCBGaXJtcy9MTFAvSFVGOiZsdDsvYiZndDs8L2Rpdj48ZGl2Pk5ldCBQcm9maXQgKyBTYWxhcnkgdG8gU
GFydG5lcnMgKyBJbnRlcmVzdCBvbiBDYXBpdGFsICsgU2hhcmUgb2YgUHJvZml0IHRvIHBhcnRuZXJzICsg
RGVwcmVjaWF0aW9uICsgUmVudGFsIEluY29tZSAoaWYgbm90IHRha2VuIGludG8gbmV0IHByb2ZpdCwgYnV
0IHBhcnQgb2YgZmluYW5jaWFscyk8L2Rpdj48ZGl2PiZsdDtiJmd0O0QpIFB2dC4gTHRkICZhbXA7IEx0ZC
4gQ29tcGFuaWVzL1NvY2lldGllcy9UcnVzdHM6Jmx0Oy9iJmd0OzwvZGl2PjxkaXY+TmV0IFByb2ZpdCBhZ
nRlciBUYXggKyBEZXByZWNpYXRpb248L2Rpdj4="},{"que":"Which are the customer segments
addressed through the
program?","ans":"PGRpdj4mbHQ7YiZndDtDU0cgU2VnbWVudDombHQ7L2ImZ3Q7IFRoZSBDU0cgQWNjb3
VudHMgd2hvIGhhdmUgY29uc2lzdGVudCBzYWxhcnkgY3JlZGl0cyBmb3IgYXQgbGVhc3QgMyBtb250aHMgY
W5kIHNhbGFyeSBjcmVkaXQgJmd0OyAyMDAwMC9wbS48L2Rpdj48ZGl2PiZsdDtiJmd0O1NBIFNlZy1TYWw6
Jmx0Oy9iJmd0OyBUaGlzIGNhdGVnb3J5IGNvbnNpc3RzIG9mIFNhbGFyaWVkIGN1c3RvbWVycyBmcm9tIHR
oZSBTYXZpbmdzIEFjY291bnQgYmFzZS48L2Rpdj48ZGl2PiZsdDtiJmd0O1NBIFNlZy1TZWxmIEVtcGxveW
VkOiZsdDsvYiZndDsgVGhpcyBjYXRlZ29yeSBjb25zaXN0cyBvZiBzZWxmLWVtcGxveWVkIGN1c3RvbWVyc
yBmcm9tIHRoZSBTYXZpbmdzIEFjY291bnQgYmFzZS48L2Rpdj4="},{"que":"Can the customer
be offered loan for any
tenor?","ans":"TG9hbiB0ZW5vcnMgYXJlIDQ4IGFuZCA2MCBtb250aHMgdW5kZXIgdGhlIHByb2dyYW0g
KGFzIHBlciBjaG9pY2Ugb2YgdGhlIGN1c3RvbWVyKS4="},{"que":"Is there any age limits for
the
customer?","ans":"PGRpdj5UaGUgZm9sbG93aW5nIGFnZSBsaW1pdCBjcml0ZXJpb24gd2lsbCBhcHBse
To8L2Rpdj48ZGl2PiZsdDtiJmd0O01pbmltdW06Jmx0Oy9iJmd0OyBUaGUgYXBwbGljYW50IHNob3VsZCBi
ZSBlcXVhbCBvciBhYm92ZSAxOCB5ZWFycyBvZiBhZ2UgYXQgdGhlIHRpbWUgb2YgZnVuZGluZy48L2Rpdj4
8ZGl2PiZsdDtiJmd0O01heGltdW06Jmx0Oy9iJmd0OyBUaGUgYXBwbGljYW50IHNob3VsZCBiZSBlcXVhbC
BvciBiZWxvdyA2MCB5ZWFycyBvZiBhZ2UgYXQgdGhlIHRpbWUgb2YgTG9hbiBNYXR1cml0eS48L2Rpdj4="
},{"que":"When a customer walks in to the branch, is it mandatory to input the lead
into telesmart and Spot approval
tool?","ans":"WWVzLCB0aGUgY3VzdG9tZXIgbGVhZCBuZWVkcyB0byBnbyBpbnRvIHRlbGVzbWFydCBhb
mQgdGhlICJ0ZWxlc21hcnQgaWQiIG5lZWRzIHRvIGJlIGdlbmVyYXRlZC4="},{"que":"How is the
customer going to be communicated on the
offer?","ans":"PGRpdj5QbGVhc2UgYXNrIHRoZSBjdXN0b21lciBmb3IgaGlzIDEpIEFjY291bnQgTnVt
YmVyIG9yIDIpIEN1c3QgSUQ8L2Rpdj48ZGl2PlRoZSBjdXN0b21lciBkZXRhaWxzIGFyZSBwb3B1bGF0ZWQ
gdW5kZXI6PC9kaXY+PGRpdj48dWw+PGxpPkN1c3RvbWVyIEV5ZTwvZGl2PjxkaXY+PC9saT48bGk+QnJhbm
NoIEFuYWx5dGljcy48L2Rpdj48ZGl2PjwvbGk+PGxpPlNhbGVzIHRvb2w8L2xpPjwvdWw+PC9kaXY+PGRpd
j5Zb3UgY2FuIGNoZWNrIHRoZSBvZmZlciB0aHJvdWdoIHRoZSBhYm92ZSB0b29scyBhbmQgY29tbXVuaWNh
dGUgdGhlIG9mZmVyIHRvIHRoZSBjdXN0b21lci48L2Rpdj4="}]