@if($multistage != '') partial_disbursement as $key => $multistageDisb) { $totalSubvention += (float)$curr.$multistageDisb->partial_subvention_amount; // Add to total $totalSubventionwithGST += (float)$curr.$multistageDisb->partial_subvention_amount_with_gst; // Add to total } ?> @endif @if($application->emi->subvention && $application->merchant->is_gst && $application->merchant->is_gst == 1) @if($multistage != '') @else @endif @else @if($multistage != '') @else @endif @endif @if($multistage != '') partial_disbursement as $key => $multistageDisb) { $totalNetDisbursement += (float)$curr.$multistageDisb->disbursement_amount; // Add to total } ?> @else @if($merchant_processing_collected == 1) @else @endif @endif @if($application->lender_id != \App\Avanse\Services\AvanseServices::$lender_id) @endif

App ID	{{!empty($application->id) ? $application->id : ''}}	Borrower Name	{{!empty($application->name) ? $application->name : ''}}	Co-Borrower Name	{{!empty($application->co_applicant_name) ? $application->co_applicant_name : ''}}
Indicative EMI	{{!empty($application->emi->emi) ? 'INR '.$application->emi->emi : ''}}	Term (months)	{{!empty($application->emi->tenure) ? $application->emi->tenure : ''}}	Loan Purpose	{{!empty($application->merchant->merchant_category->name) ? $application->merchant->merchant_category->name : ''}}
FOIR (%)	creditReport && !empty($application->creditReport->foirNAIncludingCFEMI) ? number_format($application->creditReport->foirNAIncludingCFEMI, 2).'%' : ''); ?>	Mortatorium, if any		Loan Amount	{{!empty($application->loan_amount) ? $curr.$application->loan_amount : ''}}
Subvention (with GST)	{{!empty($totalSubventionwithGST) ? round($totalSubventionwithGST, 2) : ''}}	{{--@php $subvention = ''; if(!empty($application->approved_amount) && !empty($application->emi->subvention)){ $subvention = $curr. floor(($application->approved_amount * $application->emi->subvention) / 100); } @endphp--}} {!! $subventionWithGST or 0 !!}	Advance Interest (subvention)	{{!empty($totalSubventionwithGST) ? round($totalSubventionwithGST,2) : ''}}	{{--@php $subvention = ''; if(!empty($application->approved_amount) && !empty($application->emi->subvention)){ $subvention = $curr. floor(($application->approved_amount * $application->emi->subvention) / 100); } @endphp--}} {!! $subvention or 0 !!}	Net Disbursal	{{!empty($totalNetDisbursement) ? round($totalNetDisbursement,2) : ''}}	{{ !empty($net_dis) ? $curr . number_format(floatval($net_dis) - floatval($application->emi->legal_charges), 2) : '' }}	{{ !empty($net_dis) ? $curr . number_format(floatval($net_dis), 2) : '' }}	IRR	{{!empty($application->emi->annualised_irr) ? $application->emi->annualised_irr.'%' : ''}}
ROI	{!! $application->emi->interest_rate !!}%	FLDG	{{$application->proFormaInvoice->fldg_applied ? 'Yes' : 'No' }}

@foreach($application->disbursement_log as $log) @endforeach

Disb No.	Disb Month	Disb Amount
{{!empty($log['phase']) ? $log['phase'] : ''}}	{{!empty($log['day_from_disbursement_date']) ? 'after '. $log['day_from_disbursement_date'].' days of disbursement' : ''}}	{{!empty($log['disbursement_amount']) ? $curr.$log['disbursement_amount'] : ''}}

@foreach($application->emi_payment as $i => $emi) @php $i++; @endphp @endforeach

Sr. No	Amount	Date
{{$i}}	{{!empty($emi->emi_amount) ? $curr.$emi->emi_amount : ''}}	{{!empty($emi->emi_date) ? date('d M Y', strtotime($emi->emi_date)) : ''}}

@if($multistage != '') @endif @if($application->emi->subvention && $application->merchant->is_gst && $application->merchant->is_gst == 1) @else @endif @if($application->emi->legal_charges > 0) @endif @if($multistage != '') @foreach($multistage->partial_disbursement as $key => $multistageDisb) @if($key+1==1) @else @endif @if($application->emi->subvention && $application->merchant->is_gst && $application->merchant->is_gst == 1) @else @endif @if($key+1==1) @else @endif @if(($application->emi->legal_charges > 0 && $key+1==1) || isset($legalChargesPresent)) @if(isset($legalChargesPresent)) @else @endif @endif @if($multistage != '' && $application->lender_id != \App\Avanse\Services\AvanseServices::$lender_id) @else @endif @endforeach @endif @if($multistage == '') @if($application->emi->subvention && $application->merchant->is_gst && $application->merchant->is_gst == 1) @else @endif @if(isset($application->proFormaInvoice->insurance_premium_applicable) && $application->proFormaInvoice->insurance_premium_applicable == 1 && !isset($splitInsurance['total']) ) @endif @if($application->emi->legal_charges > 0) @endif @if($multistage != '' && $application->lender_id != \App\Avanse\Services\AvanseServices::$lender_id) @else @if($merchant_processing_collected == 1) @else @endif @endif @endif

Phase

{!! $course !!} Fee

Discount

Loan Amount

Down Payment

Subvention

GST on Subvention

Subvention with GST

Advance Interest (subvention)

Processing Fees Charged (including GST)

Insurance Premium Amount

Legal Document Charges

Liability

Net Disbursement Amount

{{ $key+1 }}

@if(isset($application->application_element) && isset($application->application_element->product) && !empty($application->application_element->product->amount) && ($key+1==1)) {{$curr.$application->application_element->product->amount}} @endif

{{!empty($application->loan_amount) ? ((int)$curr.$application->loan_amount*((int)$curr.$multistageDisb->per_disbursement_amount))/100 : ''}}

@if(!empty($application->emi->advance_emi) && $key+1==1) @if($application->lender_id != \App\Avanse\Services\AvanseServices::$lender_id) @if($application->emi->offer->advance_type == 'percentage') {{$application->emi->advance_emi.'%'}} @elseif($application->emi->offer->advance_type == 'emi') {{$curr.($application->emi->upfront_from_customer)}} @else {{$curr.($application->emi->advance_emi)}} @endif @else {{$curr.($application->emi->advance_emi)}} @endif @else 0 @endif

{{$curr.round($multistageDisb->partial_subvention_amount,2)}}

{{$curr.round($multistageDisb->gst_on_subvention,2)}}

{{$curr.round($multistageDisb->partial_subvention_amount_with_gst,2)}}

{{$curr.round($multistageDisb->partial_subvention_amount,2)}}

{{ !empty($application->emi->processing_fee) ? $application->emi->processing_fee : '' }}

0

{{ ($application->proFormaInvoice->insurance_premium_amount*((int)$curr.$multistageDisb->per_disbursement_amount))/100 ?? 0 }}

0

{{ $application->emi->legal_charges}}

{{isset($withheld_percent->liability_percent) && $withheld_percent != null ? $withheld_percent->liability_percent : 0}}%

{{ $curr.round($multistageDisb->disbursement_amount, 2) }}

{{!empty($net_dis) ? $curr .$net_dis : ''}}

@if(isset($application->application_element) && isset($application->application_element->product) && !empty($application->application_element->product->amount)) {{$curr.$application->application_element->product->amount}} @endif

{{!empty($application->loan_amount) ? $curr.$application->loan_amount : ''}}

@if(!empty($application->emi->advance_emi)) @if($application->lender_id != \App\Avanse\Services\AvanseServices::$lender_id) @if($application->emi->offer->advance_type == 'percentage') {{$application->emi->advance_emi.'%'}} @elseif($application->emi->offer->advance_type == 'emi') {{$curr.($application->emi->upfront_from_customer)}} @else {{$curr.($application->emi->advance_emi)}} @endif @else {{$curr.($application->emi->advance_emi)}} @endif @endif

{{$subvention}}

{{$gst_on_subvention}}

{{$subventionWithGST}}

{{$subvention}}

{{ !empty($application->emi->processing_fee) ? $application->emi->processing_fee : '' }}

{{ $application->proFormaInvoice->insurance_premium_amount ?? '' }}

{{ $application->emi->legal_charges or 0 }}

{{isset($withheld_percent->liability_percent) && $withheld_percent != null ? $withheld_percent->liability_percent : 0}}%

@foreach($multistage->partial_disbursement as $key => $multistageDisb) @endforeach Phase {{ $key+1 }}: {{ $curr.$multistageDisb->disbursement_amount }}

{{ !empty($net_dis) ? $curr . number_format(floatval($net_dis) - floatval($application->emi->legal_charges), 2) : '' }}

{{ !empty($net_dis) ? $curr . number_format(floatval($net_dis), 2) : '' }}

Insurance Premium	CF Insurance Processing Fees + 18% GST
{{ $splitInsurance['insurnace_permium'] ?? '' }}	{{ $splitInsurance['cf_insurance_processing_fees'] ?? '' }}

	Borrower/Student	Co-borrower
Name	{{!empty($application->name) ? $application->name : ''}}	{{!empty($application->co_applicant_name) ? $application->co_applicant_name : ''}}
Address	{{!empty($application->permanent_address_line_1) ? $application->permanent_address_line_1 : ''}} {{!empty($application->permanent_address_landmark) ? $application->permanent_address_landmark : ''}}	{{!empty($application->co_applicant_address_line_1) ? $application->co_applicant_address_line_1 : ''}} {{!empty($application->co_applicant_address_landmark) ? $application->co_applicant_address_landmark : ''}}
City	{{!empty($application->permanent_address_city) ? $application->permanent_address_city : ''}}	{{!empty($application->co_applicant_address_city) ? $application->co_applicant_address_city : ''}}
State	{{!empty($application->permanent_address_state) ? $application->permanent_address_state : ''}} {{!empty($application->permanent_address_pincode) ? $application->permanent_address_pincode : ''}}	{{!empty($application->co_applicant_address_state) ? $application->co_applicant_address_state : ''}} {{!empty($application->co_applicant_address_pincode) ? $application->co_applicant_address_pincode : ''}}
Country	{{!empty($application->permanent_address_line_1) ? $application->permanent_address_line_1 : ''}}
Relation with Borrower		{{!empty($application->co_applicant_relationship) ? $application->co_applicant_relationship : ''}}
Gender	{{!empty($application->gender) ? $application->gender : ''}}	{{!empty($application->co_applicant_gender) ? $application->co_applicant_gender : ''}}
DOB	{{!empty($application->dob) ? date('d M Y', strtotime($application->dob)) : ''}}	{{!empty($application->co_applicant_dob) && $application->co_applicant_dob != '1970-01-01' ? date('d M Y', strtotime($application->co_applicant_dob)) : ''}}
PAN No	{{!empty($application->pan_card) ? $application->pan_card : ''}}	{{!empty($application->co_applicant_pan_card) ? $application->co_applicant_pan_card : ''}}
Profession	{{!empty($application->employee_status) ? $application->employee_status : ''}}	{{!empty($application->co_applicant_employee_status) ? $application->co_applicant_employee_status : ''}}
Empl. / Comp.	{{!empty($application->company) ? $application->company->company : ''}}	{{!empty($application->co_applicant_company) ? $application->co_applicant_company->company : ''}}
Total Work Experience	{{!empty($application->experience) ? $application->experience : ''}}	{{!empty($application->co_applicant_experience) ? $application->co_applicant_experience : ''}}
Assessed Monthly Income	finBitDataBorrower->salary)) { $salary = json_decode($application->finBitDataBorrower->salary); if(!empty($salary)) { foreach($salary as $sal) { if (isset($sal->amount) && !empty($sal->amount)) { $amount += $sal->amount; $count++; } } } } if($count > 0) { $ass_mo_in = floor($amount / $count); }*/ $ass_mo_in = $application->monthly_income; ?> {{$curr.$application->monthly_income}} {{-- {{$curr.$ass_mo_in}} --}}	finBitDataCoBorrower->salary)) { $salary = json_decode($application->finBitDataCoBorrower->salary); if(!empty($salary)) { foreach($salary as $sal) { if (isset($sal->amount) && !empty($sal->amount)) { $amount += $sal->amount; $count++; } } } }*/ ?> @if($application->monthly_income > 0) {{$curr.$application->co_applicant_monthly_income}} @else 0 @endif {{-- {{($count > 0) ? $curr.floor(($amount / $count)) : 0}} --}}

	Borrower	Co-borrower
Bank Name	{{!empty(!empty($application->bank_details->bank_name)) ? $application->bank_details->bank_name : ''}}
EOD balance on 1st day	@if(!empty($application->finBitDataBorrower->eod_balance_1)) {{$curr.$application->finBitDataBorrower->eod_balance_1}} @endif	@if(!empty($application->finBitDataCoBorrower->eod_balance_1)) {{$curr.$application->finBitDataCoBorrower->eod_balance_1}} @endif
EOD balance on 5th day	@if(!empty($application->finBitDataBorrower->eod_balance_5)) {{$curr.$application->finBitDataBorrower->eod_balance_5}} @endif	@if(!empty($application->finBitDataCoBorrower->eod_balance_5)) {{$curr.$application->finBitDataCoBorrower->eod_balance_5}} @endif
EOD balance on 15th day	@if(!empty($application->finBitDataBorrower->eod_balance_15)) {{$curr.$application->finBitDataBorrower->eod_balance_15}} @endif	@if(!empty($application->finBitDataCoBorrower->eod_balance_15)) {{$curr.$application->finBitDataCoBorrower->eod_balance_15}} @endif
EOD balance on 25th day	@if(!empty($application->finBitDataBorrower->eod_balance_25)) {{$curr.$application->finBitDataBorrower->eod_balance_25}} @endif	@if(!empty($application->finBitDataCoBorrower->eod_balance_25)) {{$curr.$application->finBitDataCoBorrower->eod_balance_25}} @endif
Average Monthly Balance	@if(!empty($application->finBitDataBorrower->average_balance)) {{$curr.$application->finBitDataBorrower->average_balance}} @endif	@if(!empty($application->finBitDataCoBorrower->average_balance)) {{$curr.$application->finBitDataCoBorrower->average_balance}} @endif
Cheque bounces, if any	@if(!empty($application->finBitDataBorrower->outwards_bounce_transaction)) {{$application->finBitDataBorrower->outwards_bounce_transaction}} @endif	@if(!empty($application->finBitDataCoBorrower->outwards_bounce_transaction)) {{$application->finBitDataCoBorrower->outwards_bounce_transaction}} @endif
Banking Remarks

@if($application->lender_id == \App\Avanse\Services\AvanseServices::$lender_id || $application->lender_id == \App\ABFL\Services\Services::$lender_id) @else @endif

	Borrower/Student	Co-borrower
Credit Score	{{ $bureau_score['credit_app'] != "" ? $bureau_score['credit_app'] : '' }}	{{ $bureau_score['credit_coapp'] != "" ? $bureau_score['credit_coapp'] : '' }}
Equifax Score	{{ !empty($bReport->Score ) ? $bReport->Score : (!empty($bureau_score) && $bureau_score['app_equifax'] ? $bureau_score['app_equifax'] : '') }}	{{ !empty($cbReport->Score) ? $cbReport->Score : (!empty($bureau_score) && $bureau_score['coapp_equifax'] ? $bureau_score['coapp_equifax'] : '' )}}
CIBIL Score	{{ !empty($bureau_score) && $bureau_score['app_cibil'] ? $bureau_score['app_cibil'] : '' }}	{{ !empty($bureau_score) && $bureau_score['coapp_cibil'] ? $bureau_score['coapp_cibil'] : '' }}
No of Accounts	{{!empty($bReport->NoOfActiveAccounts) ? $bReport->NoOfActiveAccounts : ''}}	{{!empty($cbReport->NoOfActiveAccounts) ? $cbReport->NoOfActiveAccounts : ''}}
Overdue, if any
Delays, if any
Total Sanctioned Amount	{{!empty($bReport->sanctionAmount) ? $bReport->sanctionAmount : ''}}	{{!empty($cbReport->sanctionAmount) ? $cbReport->sanctionAmount : ''}}
Current Balance Amount
Overdue Balance Amount

@foreach($policies as $key=>$policy) @if(isset($policy['policy_followed']['name']) && $policy['policy_followed']['status'] || isset($policy['exceptions_taken']['name']) && $policy['exceptions_taken']['status']) @endif @endforeach

Mitigates / Policy Followed	Deviations / Exceptions Taken
@if(isset($policy['policy_followed']['name']) && $policy['policy_followed']['status']) {!! $i !!}. {!! $policy['policy_followed']['name'] !!} @if(isset($policy['policy_followed']['reason']) && count($policy['policy_followed']['reason']) > 0 && $policy['policy_followed']['reason'][0]) @foreach($policy['policy_followed']['reason'] as $reason) {!! $reason !!} @endforeach @endif @endif	@if(isset($policy['exceptions_taken']['name']) && $policy['exceptions_taken']['status']) {!! $ex !!}. {!! $policy['exceptions_taken']['name'] !!} @if(isset($policy['exceptions_taken']['reason']) && count($policy['exceptions_taken']['reason']) > 0 && $policy['exceptions_taken']['reason'][0]) @foreach($policy['exceptions_taken']['reason'] as $reason) {!! $reason !!} @endforeach @endif @endif

@php $age = ''; if(!empty($application->dob)) { $age = date_diff(date_create($application->dob), date_create('today'))->y; } @endphp cibilReportBorrower[0]->response) ? str_split($application->cibilReportBorrower[0]->response) : []; $ir = 0; $ciResx = ''; foreach($ciRes as $ciResp){ if($ir == 20){ $ciResx .= $ciResp."\n"; $ir = 0; }else{ $ciResx .= $ciResp; } $ir++; } ?> monthly_income)) { $mon_inc += $application->monthly_income; } if(!empty($application->co_applicant_monthly_income)) { $mon_inc += $application->co_applicant_monthly_income; } if(!empty($application->foir)) { foreach($application->foir as $fo) { if(empty($fo['cc_loan'])) { $credit_limit += (int) $fo['InstallmentAmount']; } else { $total_existing_emi += (int) $fo['InstallmentAmount']; } } } $total_credit_card_limit_five = ($credit_limit * 5) / 100; $total_monthly_payment = (int) $total_existing_emi + (int) $total_credit_card_limit_five; $foir_ratio = floor(($total_monthly_payment / $mon_inc) * 100);*/ ?>

Credit Policy Parameters	Salaried		Self Employed		NTC
	Policy	Actual	Policy	Actual	Policy	Actual
Age	>=21 Years	@if($prfl === 'salaried') {{$age}} @endif	>=21 Years	@if($prfl === 'selfemployed') {{$age}} @endif	>=21 Years	@if($isntc) {{$age}} @endif
Minimum Work Experience	>=6 Months	@if($prfl === 'salaried') {{!empty($application->experience) ? $application->experience : ''}} @endif	>=6 Months	@if($prfl === 'selfemployed') {{!empty($application->experience) ? $application->experience : ''}} @endif	>=6 Months	@if($isntc) {{!empty($application->experience) ? $application->experience : ''}} @endif
Monthly Income	>=15,000	@if($prfl === 'salaried') {{!empty($application->monthly_income) ? $curr.$application->monthly_income : ''}} @endif	>=15,000	@if($prfl === 'selfemployed') {{!empty($application->monthly_income) ? $curr.$application->monthly_income : ''}} @endif	>=15,000	@if($isntc) {{!empty($application->monthly_income) ? $curr.$application->monthly_income : ''}} @endif
Self Declared Income		@if($prfl === 'salaried') {{!empty($application->monthly_income) ? $curr.$application->monthly_income : ''}} @endif		@if($prfl === 'selfemployed') {{!empty($application->monthly_income) ? $curr.$application->monthly_income : ''}} @endif		@if($isntc) {{!empty($application->monthly_income) ? $curr.$application->monthly_income : ''}} @endif
Salary From Bank		{{$curr.$ass_mo_in}}		{{$curr.$ass_mo_in}}		{{$curr.$ass_mo_in}}
ABB			ABB >= 1 X EMI (Loan <= 2L) ABB >= 2 X EMI (Loan > 2L)	@if($prfl === 'salaried') @if(!empty($application->finBitDataBorrower->average_balance_three_months)) {{$curr.$application->finBitDataBorrower->average_balance_three_months}} @endif @endif	ABB >= 1 X EMI	@if($prfl === 'selfemployed') @if(!empty($application->finBitDataBorrower->average_balance_three_months)) {{$curr.$application->finBitDataBorrower->average_balance_three_months}} @endif @endif
Net Monthly Obligation		@if($prfl === 'salaried') @if(!empty($application->finBitDataBorrower->avg_emi_three_months)) {{$curr.$application->finBitDataBorrower->avg_emi_three_months}} @endif @endif		@if($prfl === 'selfemployed') @if(!empty($application->finBitDataBorrower->avg_emi_three_months)) {{$curr.$application->finBitDataBorrower->avg_emi_three_months}} @endif @endif		@if($isntc) @if(!empty($application->finBitDataBorrower->avg_emi_three_months)) {{$curr.$application->finBitDataBorrower->avg_emi_three_months}} @endif @endif
CIBIL		@if($prfl === 'salaried') @endif		@if($prfl === 'selfemployed') @endif		@if($isntc) @endif
Bank Statement
Self-Declared
CIBIL Score	>=650 (Loan <= 2L) >= 675 (Loan > 2L)	@if($prfl === 'salaried') {{!empty($application->cibilReportBorrower[0]->band) ? $application->cibilReportBorrower[0]->band : ''}} @endif	>=650 as per V2	@if($prfl === 'selfemployed') {{!empty($application->cibilReportBorrower[0]->band) ? $application->cibilReportBorrower[0]->band : ''}} @endif	NA	@if($isntc) {{!empty($application->cibilReportBorrower[0]->band) ? $application->cibilReportBorrower[0]->band : ''}} @endif
FOIR	As per income	@if($prfl === 'salaried') @endif	As per income	@if($prfl === 'selfemployed') @endif	As per income	@if($isntc) @endif

Designation	Name	Remarks, If any