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

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_percent) && $withheld_percent != null ? $withheld_percent->liability_percent : 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