lender_id == \App\Avanse\Services\AvanseServices::$lender_id): ?>

lender_id) && !empty($application->lender_id)): ?> lender_id)->first(['logo']); ?>

CAM Summary

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 } ?> emi->subvention && $application->merchant->is_gst && $application->merchant->is_gst == 1): ?> partial_disbursement as $key => $multistageDisb) { $totalNetDisbursement += (float)$curr.$multistageDisb->disbursement_amount; // Add to total } ?> lender_id != \App\Avanse\Services\AvanseServices::$lender_id): ?>

App ID	id) ? $application->id : ''); ?>	Borrower Name	name) ? $application->name : ''); ?>	Co-Borrower Name	co_applicant_name) ? $application->co_applicant_name : ''); ?>
Indicative EMI	emi->emi) ? 'INR '.$application->emi->emi : ''); ?>	Term (months)	emi->tenure) ? $application->emi->tenure : ''); ?>	Loan Purpose	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	loan_amount) ? $curr.$application->loan_amount : ''); ?>
Subvention (with GST)			Advance Interest (subvention)			Net Disbursal	emi->legal_charges), 2) : ''); ?>	IRR	emi->annualised_irr) ? $application->emi->annualised_irr.'%' : ''); ?>
ROI	emi->interest_rate; ?>%	FLDG	proFormaInvoice->fldg_applied ? 'Yes' : 'No'); ?>

disbursement_log) && !$isKM): ?>

Tentative Disbursement Schedule

disbursement_log; $__env->addLoop($__currentLoopData); foreach($__currentLoopData as $log): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?> popLoop(); $loop = $__env->getLastLoop(); ?>

Disb No.	Disb Month	Disb Amount

emi_payment) && !$isKM): ?>

EMI Schedule

emi_payment; $__env->addLoop($__currentLoopData); foreach($__currentLoopData as $i => $emi): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?> popLoop(); $loop = $__env->getLastLoop(); ?>

Sr. No	Amount	Date
	emi_amount) ? $curr.$emi->emi_amount : ''); ?>	emi_date) ? date('d M Y', strtotime($emi->emi_date)) : ''); ?>

emi->subvention && $application->merchant->is_gst && $application->merchant->is_gst == 1): ?> emi->legal_charges > 0): ?> partial_disbursement; $__env->addLoop($__currentLoopData); foreach($__currentLoopData as $key => $multistageDisb): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?> emi->subvention && $application->merchant->is_gst && $application->merchant->is_gst == 1): ?> emi->legal_charges > 0 && $key+1==1) || isset($legalChargesPresent)): ?> lender_id != \App\Avanse\Services\AvanseServices::$lender_id): ?> popLoop(); $loop = $__env->getLastLoop(); ?> emi->subvention && $application->merchant->is_gst && $application->merchant->is_gst == 1): ?> proFormaInvoice->insurance_premium_applicable) && $application->proFormaInvoice->insurance_premium_applicable == 1 && !isset($splitInsurance['total']) ): ?> emi->legal_charges > 0): ?> lender_id != \App\Avanse\Services\AvanseServices::$lender_id): ?>

Phase

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 - liability_percent) && $withheld_percent != null ? $withheld_percent->liability_percent : 0); ?>%

Net Disbursement Amount

application_element) && isset($application->application_element->product) && !empty($application->application_element->product->amount) && ($key+1==1)): ?> application_element->product->amount); ?>

loan_amount) ? ((int)$curr.$application->loan_amount*((int)$curr.$multistageDisb->per_disbursement_amount))/100 : ''); ?>

emi->advance_emi) && $key+1==1): ?> lender_id != \App\Avanse\Services\AvanseServices::$lender_id): ?> emi->offer->advance_type == 'percentage'): ?> emi->advance_emi.'%'); ?> emi->offer->advance_type == 'emi'): ?> emi->upfront_from_customer)); ?> emi->advance_emi)); ?> emi->advance_emi)); ?> 0

partial_subvention_amount,2)); ?>

gst_on_subvention,2)); ?>

partial_subvention_amount_with_gst,2)); ?>

partial_subvention_amount,2)); ?>

emi->processing_fee) ? $application->emi->processing_fee : ''); ?>

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

emi->legal_charges); ?>

liability_percent) && $withheld_percent != null ? $withheld_percent->liability_percent : 0); ?>%

disbursement_amount, 2)); ?>

application_element) && isset($application->application_element->product) && !empty($application->application_element->product->amount)): ?> application_element->product->amount); ?>

loan_amount) ? $curr.$application->loan_amount : ''); ?>

emi->advance_emi)): ?> lender_id != \App\Avanse\Services\AvanseServices::$lender_id): ?> emi->offer->advance_type == 'percentage'): ?> emi->advance_emi.'%'); ?> emi->offer->advance_type == 'emi'): ?> emi->upfront_from_customer)); ?> emi->advance_emi)); ?> emi->advance_emi)); ?>

emi->processing_fee) ? $application->emi->processing_fee : ''); ?>

proFormaInvoice->insurance_premium_amount ?? ''); ?>

emi->legal_charges) ? $application->emi->legal_charges : 0); ?>

liability_amount) && $withheld_percent != null ? money_format('%!i',$withheld_percent->liability_amount) : 0); ?>

partial_disbursement; $__env->addLoop($__currentLoopData); foreach($__currentLoopData as $key => $multistageDisb): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?> popLoop(); $loop = $__env->getLastLoop(); ?>

Phase :	disbursement_amount); ?>

emi->legal_charges), 2) : ''); ?>

Insurance Premium	CF Insurance Processing Fees + 18% GST

Details

Name	merchant->merchant_name) ? $application->merchant->merchant_name : ''); ?>
Mode
Name	application_element->product->name)): ?> application_element->product->name); ?> application_element->product_name; ?>
Duration (Months)	application_element->duration) && $application->application_element->duration !== '\|') { $out = explode('\|', $application->application_element->duration); if(!empty($out[0])) { echo $out[0]; } } ?>

Borrower/Co-borrower Details

	Borrower/Student	Co-borrower
Name	name) ? $application->name : ''); ?>	co_applicant_name) ? $application->co_applicant_name : ''); ?>
Address	permanent_address_line_1) ? $application->permanent_address_line_1 : ''); ?> permanent_address_landmark) ? $application->permanent_address_landmark : ''); ?>	co_applicant_address_line_1) ? $application->co_applicant_address_line_1 : ''); ?> co_applicant_address_landmark) ? $application->co_applicant_address_landmark : ''); ?>
City	permanent_address_city) ? $application->permanent_address_city : ''); ?>	co_applicant_address_city) ? $application->co_applicant_address_city : ''); ?>
State	permanent_address_state) ? $application->permanent_address_state : ''); ?> permanent_address_pincode) ? $application->permanent_address_pincode : ''); ?>	co_applicant_address_state) ? $application->co_applicant_address_state : ''); ?> co_applicant_address_pincode) ? $application->co_applicant_address_pincode : ''); ?>
Country	permanent_address_line_1) ? $application->permanent_address_line_1 : ''); ?>
Relation with Borrower		co_applicant_relationship) ? $application->co_applicant_relationship : ''); ?>
Gender	gender) ? $application->gender : ''); ?>	co_applicant_gender) ? $application->co_applicant_gender : ''); ?>
DOB	dob) ? date('d M Y', strtotime($application->dob)) : ''); ?>	co_applicant_dob) && $application->co_applicant_dob != '1970-01-01' ? date('d M Y', strtotime($application->co_applicant_dob)) : ''); ?>
PAN No	pan_card) ? $application->pan_card : ''); ?>	co_applicant_pan_card) ? $application->co_applicant_pan_card : ''); ?>
Profession	employee_status) ? $application->employee_status : ''); ?>	co_applicant_employee_status) ? $application->co_applicant_employee_status : ''); ?>
Empl. / Comp.	company) ? $application->company->company : ''); ?>	co_applicant_company) ? $application->co_applicant_company->company : ''); ?>
Total Work Experience	experience) ? $application->experience : ''); ?>	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; ?> monthly_income); ?>	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++; } } } }*/ ?> monthly_income > 0): ?> co_applicant_monthly_income); ?> 0

Banking Details

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

Bureau Score

lender_id == \App\Avanse\Services\AvanseServices::$lender_id || $application->lender_id == \App\ABFL\Services\Services::$lender_id): ?>

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

addLoop($__currentLoopData); foreach($__currentLoopData as $key=>$policy): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?> popLoop(); $loop = $__env->getLastLoop(); ?>

Mitigates / Policy Followed	Deviations / Exceptions Taken
. 0 && $policy['policy_followed']['reason'][0]): ?> addLoop($__currentLoopData); foreach($__currentLoopData as $reason): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?> popLoop(); $loop = $__env->getLastLoop(); ?>	. 0 && $policy['exceptions_taken']['reason'][0]): ?> addLoop($__currentLoopData); foreach($__currentLoopData as $reason): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?> popLoop(); $loop = $__env->getLastLoop(); ?>

employee_status) && strtolower($application->employee_status) == 'salaried') { $prfl = 'salaried'; } elseif(!empty($application->employee_status) && in_array(strtolower($application->employee_status), ['self employed - business','self employed - professional','business'])) { $prfl = 'selfemployed'; } else { $prfl = 'selfemployed'; } if(!empty($application->cibilReportBorrower[0]->band) && $application->cibilReportBorrower[0]->band == 1) { $isntc = true; } ?>

Our Eligibility Calculations

dob)) { $age = date_diff(date_create($application->dob), date_create('today'))->y; } ?> 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
Credit Policy Parameters	Policy	Actual	Policy	Actual	Policy	Actual
Age	>=21 Years		>=21 Years		>=21 Years
Minimum Work Experience	>=6 Months	experience) ? $application->experience : ''); ?>	>=6 Months	experience) ? $application->experience : ''); ?>	>=6 Months	experience) ? $application->experience : ''); ?>
Monthly Income	>=15,000	monthly_income) ? $curr.$application->monthly_income : ''); ?>	>=15,000	monthly_income) ? $curr.$application->monthly_income : ''); ?>	>=15,000	monthly_income) ? $curr.$application->monthly_income : ''); ?>
Self Declared Income		monthly_income) ? $curr.$application->monthly_income : ''); ?>		monthly_income) ? $curr.$application->monthly_income : ''); ?>		monthly_income) ? $curr.$application->monthly_income : ''); ?>
Salary From Bank
ABB			ABB >= 1 X EMI (Loan <= 2L) ABB >= 2 X EMI (Loan > 2L)	finBitDataBorrower->average_balance_three_months)): ?> finBitDataBorrower->average_balance_three_months); ?>	ABB >= 1 X EMI	finBitDataBorrower->average_balance_three_months)): ?> finBitDataBorrower->average_balance_three_months); ?>
Net Monthly Obligation		finBitDataBorrower->avg_emi_three_months)): ?> finBitDataBorrower->avg_emi_three_months); ?>		finBitDataBorrower->avg_emi_three_months)): ?> finBitDataBorrower->avg_emi_three_months); ?>		finBitDataBorrower->avg_emi_three_months)): ?> finBitDataBorrower->avg_emi_three_months); ?>
CIBIL
Bank Statement
Self-Declared
CIBIL Score	>=650 (Loan <= 2L) >= 675 (Loan > 2L)	cibilReportBorrower[0]->band) ? $application->cibilReportBorrower[0]->band : ''); ?>	>=650 as per V2	cibilReportBorrower[0]->band) ? $application->cibilReportBorrower[0]->band : ''); ?>	NA	cibilReportBorrower[0]->band) ? $application->cibilReportBorrower[0]->band : ''); ?>
FOIR	As per income		As per income		As per income

Recommendations/Sanction Details

Designation	Name	Remarks, If any