PL and BIL Policy :

Re-Imagined
Contents
• Re-Imagined Approach • What are Business Loans ?
• Key Components of Framework • Customer Categorization – BL
• What is a Personal Loan ? • Constitution of Applicant/Co-Applicant
• Customer Categorization - PL • Key Policy Parameters – Self Employed
Individuals
• Key Policy Parameters – Salaried
Individuals • BL Programs
• Sourcing to Govt Grade IV Employees • BL Backed by FD
• Sourcing to Contractual Govt Employees • Balance Takeover Norms – BL
• PL Backed by FD • Low Penetration Variants – BL
• Sourcing to Pensioners • Sourcing to Self Employed Doctors
• Balance Takeover Norms – PL • MSME Guidelines
• Low Penetration Variants – PL • LEI
• Ecosystem Policies - PL • Pre-Approved Programs
 Re-Imagined
Audit Observations Approach
03
How is the Re-Imagined Policy different from the previous policy ?

Customer Centric

Standardization of Norms basis Customer Profile

Multiple Products aligned under the same umbrella

Customer Level Underwriting – Multi Product Offerings

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 Key Observations
Audit Components of the Framework 04
Norms – Salaried No Go Norms & Compliances
• Income /Net worth (affluence) • Accuracy and Quality of data
• Banking captured
• Track record • Regulatory Compliances
• LTV (if applicable) • CIBIL Thresholds - <700
• Leverage / Multiplier • Low Income Thresholds
• Bureau score

Financial Computation &

Repayment Norms NFA Matrix
• Repayment @ ICICI Bank / • CAAM level delegation for
Other Bank Main Operative Unification Elite / Super HNI & STP
Account cases
• Calculation methodology for • Value based delegation
Underwriting

Verification Norms Triggers & Monitoring

• Internal / External • Auto Governance
Dedupes • Timely Corrective
• Customer Visits Actions / Policy
• Employment Check Amendments

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 What
Audit is a Personal
Observations Loan ? 05
A personal loan is a loan that does not require collateral or security and is offered with minimal
documentation. The funds from this loan cannot be used for any speculative activity and must be paid
back in accordance to the agreed terms with the bank.

Features End Use

• Medical Expenses
• No security or collateral • Purchase of Consumer
• Fixed rate of interest Durables
• Multi-purpose loan where • Vacation
end use is not defined • Home renovation
• Flexible tenure up to 60 • Marriage
months • Tuition/ Vocational Course
• Simple documentation and Fee
quick processing • Personal Emergencies

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 Customer
Audit Categorization
Observations
06
Super High Net worth Value Creating Profiles
Elite Others
Individuals (HNI) (VCP)
• Monthly Income >= Rs. 15 • Monthly Income >= Rs. 3 • Monthly Income >= Rs. 50k • Monthly Income >= Rs. 30k
Lakhs Lakhs for Elite, Super Prime and for Elite, Superprime,
• Net Worth >= Rs. 50 Crs. • Net Worth >= Rs. 5 Crs. Govt Preferred Profiles
• Segments Covered : Any • Segments Covered : Global • Monthly Income >= Rs. 75k • Monthly Income >= Rs. 30k
individual fulfilling the Private Clients/ Wealth for Preferred and Open for Govt Profiles
criteria Select Market • Monthly Income >= Rs. 40k
• Profiles Covered : Any • Profiles Covered : CXO • Net Worth >= Rs. 2 Crs. for Open Market Profiles
individual fulfilling the Profiles, IAS/IPS/IFS/ Other • Segments Covered : Other and Caution Companies
criteria Senior Govt/ PSU Officials, Wealth • Segments Covered : All
Parents/ Children/Spouse/ • Profiles Covered : cases not covered in
Daughters-in-Law of Progressive Profiles*, Elite/Super HNI/ VCP
customers fulfilling the Parents/ Children/Spouse/ • Profiles Covered : All cases
criteria Daughters-in-Law of not covered in Elite/Super
customers fulfilling the HNI/ VCP
criteria

*Progressive Profiles include : Employees of Elite/Super Prime/ Govt (Grade 1 & 2)/ Working Professionals, PSUs, Regulatory bodies like
IRDA/SEBI/RBI/CLB etc., Graduates/Masters from IITs/IIMs/NIT or other premier institutes, salaried or self-employed CA/CS/Actuarial
Services/ Architects/ CWA, CFA. Age and Income norms are defined below :
Age/ Income >= 30k to 35k >35k to 50k
>20-25 VCP VCP
>25-30 Others VCP

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 Key Observations
Audit Policy Parameters – Salaried 07
Parameters Elite/ Super HNI VCP Others
Minimum Age >= 20 years >= 20 years >= 20 years

Maximum Age 65 years 58 years 58 years

(At the time of Maturity) 70 years for Pensioners 70 years for Pensioners 65 years for Pensioners

60 months (48 months for Preferred and

Maximum Tenure 84 Months 72 Months
Open Market for income <75K)

Min Bureau Norms >=700/-1 >=700/-1 >=710/0-1

Rs. 50 Lakhs Rs. 20 Lakhs
Max. Loan Amount Rs. 5 Crs
Rs. 10 Lakhs for Open Market Rs. 10 Lakhs for Open Market
70% 65% 55%
Leverage
75% in case of existing HL 70% in case of existing HL 60% in case of existing HL
45% except Elite/ Superprime/Govt
Unsecured Leverage NA 40% except Elite, Superprime and Govt
(Grade 1 & 2)/ Preferred (NTH>= 1 Lakh)
Overall Borrower Level Rs. 5 Crs Rs. 1 Crs Rs. 25 Lakhs
ABB to EMI Norms* NA NA (1 time for bureau score = -1) 1.25 times

*MAB and ABB to be calculated by taking the average of balances on the 5 th, 15th and 25th of each month as reflecting in the bank statement.

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 Multipliers
Audit Observations
08

Profile Income/Tenure <=23 24-35 36-47 48-59 >=60

<= ₹35K 5 9 14 14 19
Elite/Government/ >₹ 35-50K 6 10 16 16 20
Super prime >₹ 50K-75K 7 13 18 21 23
>₹75K 7 13 18 22 24
<=₹35K 5 9 11 13 13
>₹35-50K 5 9 13 15 15
Preferred
>₹50K-75K 7 11 15 18 19
>₹75K 7 11 15 18 20
<=₹35K 5 7 7 7 NA
>₹35-50K 5 9 7 8 8
Open Market
>₹50K-75K 5 10 13 14 14
>₹75K 7 11 13 15 15

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 Sourcing
Audit to Govt
Observations Class IV Employees 09

Income Norms >= Rs. 50,000 per month

Bureau Norms >= 725

ABB/EMI Norms >= 1.25 times

Customers will be categorized under ‘Others’

No NFA allowed for such profiles

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 PL Backed
Audit by
Observations FD 10

FD to be in the name of applicant or co-applicant

FD with ICICI Bank

Lien marked on FD taken as a collateral

FD to be in cumulative basis and auto renewal   

All holders of the FD to be part of the loan application

Minimum loan amount >= Rs. 1 Lakh

Common Go No Go norms to be adhered

100% of the FD value can be given

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 Sourcing
Audit to Pensioners
Observations
11

Retired State / Central Leverage Norms

Govt / PSUs/ For retired customers - Elite/ Super HNI : 50%
Teachers /any other who are receiving
Elite/ Superprime/ pensions regularly - VCP : 45%
Preferred - Others : 40%

Co-applicant Norms :
Repayment from
Spouse Mandatory/ Pension Account
Blood relative

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 Balance
Audit Takeover
Observations Norms (PL) 12

Limit Eligibility :

- <12 months : as
per normal
eligibility Proposed Loan
- For seasoning Amount : POS of
All Key Policy >= 12 months; Minimum Vintage facility proposed
ABB to EMI :
Parameters will 110% of the : 12 months for for BT + Top Up
1 time
be applicable original sanction all profiles (if eligible) +
amount Foreclosure
- For seasoning Charges, if any
>= 24 months;
120% of the
original sanction
amount

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

Low Penetration Variants - Salaried

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 Sourcing
Audit to Contractual
Observations Govt. Employees 14
Funding to Contractual Government Employees working in Schools/ Hospitals/ Colleges

Maximum Loan Amount

Documentation of CIBIL Score>=725 and a • CIBIL >= 725 – 750 : LA
appointment letter and minimum bureau up to 2 Lakhs
contract letter vintage of 12 months • CIBIL >750 : LA up to 3
Lakhs

Minimum income of
Employment verification
₹ 30,000

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 Sourcing
Audit to NRIs
Observations
15

Applicant should be a resident Indian

NRI would be co-applicant in the loan and would be assessed for personal loan
eligibility

Residence stability norms would be applicable on the main applicant- resident

Indian

Average remittance in NRI account in last 6 months or Salary as per salary

certificate or Total relational value (TRV)/12 or HL/LAP with ICICI Bank

NRE/NRO account of the Co-applicant Mandatory

Maximum loan amount of Rs 20 lakh

Disbursement will be done in the applicant's resident account and repayment to be taken
from NRO /NRE

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 Sourcing
Audit to Promoters/Directors/Partners
Observations
16

Norms applicable for Promoters-Directors/ Partners

There should not be drop >25%
in Turnover and / or PAT in
Partnership firm/ Private Ltd
latest financials of the
company should not incurring
Parameter Norms losses in last 2 years.
Partnership Firm / Private
Limited Company, as the case
Promotor-Director of a Pvt Limited may be
Profiles
Company partner in Partnership firm

Last 2 year’s income tax return along

Income Calculation: with computation of income to be
- Minimum age of 28 years
considered for income calculation. - Minimum income as per ITR of
(Either of (1) or (2) may be Current account / Saving
₹ 0.5 million
Or account in individual name may
considered as eligible also be considered for banking.
- ABB to EMI of 1.5 time in last 3
income for eligibility months
Salary income as reflecting in salary - Maximum leverage of 65%
purpose account or salary slip subject to salary
income reflecting in ITR
Monthly income can be calculate as = Maximum loan amount
Total income less tax as reflecting in • CIBIL score >=725-749: ₹ 0.5
Monthly income calculation
ITR/12.Current income can be considered Minimum bureau score >=725 million
(applicable for (1) above) with atleast 3 years of bureau • CIBIL score >= 750 : ₹ 1.0
subject to 1.5 times of previous year
vintage from oldest track million
income. (open/closed)
Other norms for
Norms of preferred shall apply
income/tenor/multiple etc.

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

Ecosystem Policies - Salaried

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 Sourcing
Audit to Salaried
Observations Doctors 18

Maximum Loan Amount

• CIBIL >= 725, NTH >= Rs. 2
Age Norms Minimum Income Norms Lakhs : LA upto 50 Lakhs (ETB
• Minimum age : 21 years • Upto 25 Years >= Rs. 20,000 and NTB both)
• Maximum Age : 58/60 Years • 25 to 30 Years >= Rs. 25,000 • CIBIL >= 740/-1, NTH >= Rs.
as per HR letter and 65 Years • Above 30 Years >= Rs. 30,000 : LA upto 25 Lakhs
if Net Worth >= Rs. 3 Crs. 30,000 (ETB and NTB both)
• CIBIL < 740, NTH >= Rs.
50,000 : LA upto 15 Lakhs
(NTB only)
Qualifications/ • CIBIL <740, NTH < Rs.
Degrees covered : 50,000 : LA upto 10 Lakhs
Tenure, Bureau, (NTB only)
• MBBS
ABB/EMI Norms • MD
• Tenure : 72 Months
• BDS
(Only for Elite/ Super Prime/
Government Profiles with • MDS
Income >= 50k and CIBIL >= • DGO
740) • DO/DOMD
• Bureau Score >=700/-1
• MS/MCh
• ABB to EMI Norms* : 1 time
• DM

*MAB and ABB to be calculated by taking the average of balances on the 10 th, 20th and 30th of each month as reflecting in the bank statement.

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 Sourcing
Audit to Armed
Observations Forces 19
Maximum Loan Amount : Rs. 75 Lakhs

Minimum Loan Amount : Rs. 25,000

Minimum Age : 18 Years

Maximum Age : 75 Years

CIBIL Norms :
• Commissioned Officers : >= 675/0/-1
• JCO/NCO : >=725/0/-1
• Fresh Recruits >= 700/0/-1

Leverage :
• NTH < 30k : 45%
• NTH >= 30k-50k : 55%
• NTH >= 50k-75k : 65%
• NTH >=75k-100k : 75%
• NTH >= 100k : 75%

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 DASObservations
Audit (Deduction Against Salary) 20

The program will be restricted to select corporates from

Elite/Superprime companies.

Personal loan will be multiplier of Officer/Executive and above grade clause will not be applicable.
net monthly income subject to
leverage (FOIR)norms. Loan
multiplier will be as follows:
Official Email verification will be waived.
Tenure (in 13 to 25 to
<=12
months) 24 36 Applicants meeting existing personal loan operating norms can
be processed as per existing norms
Multiplier 5 7 9
Minimum net monthly income may be less than <₹ 30,000/-

Maximum total Leverage (FOIR) cap will be lowered by 5%

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

Business Loans

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 What
Audit are Business
Observations Loans ? 22

Unsecured loans provided to a self-employed individual and/or an

entity. BL can be availed for any business upgrades or equipment
purchase, which is repaid in equal instalments at fixed intervals.

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 Customer
Audit Categorization
Observations
23
BIL Customers have been divided into the following segments :

Super High Net

Value Creating
Elite worth Individuals Others
Profiles (VCP)
(HNI)
• Monthly Income >= • Monthly Income >= • Monthly Income >= • Monthly Income >=
Rs. 15 Lakhs Rs. 3 Lakhs Rs. 50k Rs. 30k
• Net Worth >= Rs. • Net Worth >= Rs. • Net Worth >= Rs. 5 • Net Worth ₹10 lakh
50 Crs. 10 Crs for entity. Crs for entity. Manufacturing & ₹5
lakhs for
Traders/Service
providers

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 Constitution
Audit Observationsof the Applicant/ Co-App 24
The following customers can be funded under the self-employed category :

Self Employed Self Employed Professionals*

• Proprietorship • Chartered Accountants
• Self-employed individuals • Company Secretary
• LLP • Architects
• Partnership Firm • Cost and Works Accountant
• Private Limited Company • Chartered Financial Accounted
• Public Limited Company • Lawyer
• HUF • BAMS/BHMS

* The Doctor segment is separately covered under Ecosystem Policies

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 Key Observations
Audit Policy Parameters – Self Employed 25

Parameters Elite/ Super HNI VCP Others

Minimum Age >= 21 years >= 23 years >= 23 years
Maximum Age 70 years 65 years 65 years
Min Bureau Norms >=700/-1 >=700/-1 >=750/0-1
Max. Loan Amount Rs. 1 Crs Rs. 50 Lakhs Rs. 20 Lakhs
Current 2 years and Current 2 years and Current 2 years and
Business Vintage
Total >= 3 years Total >= 3 years Total >= 3 years
Leverage (ITR/ Audited
100% 100% 100%
Financials)
Leverage (GST/Banking/
100% 100% 90%
Balance Transfer)
Overall Borrower Level Rs. 1 Crs Rs. 1 Crs Rs. 25 Lakhs
Maximum Tenure 60 Months 48 Months 36 Months

ABB to EMI Norms NA 1 time 1.5 times

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 Business
Audit Loans
Observations : Programs 26

Audited Financial
Base Program
Program

BL Banking Program

Assessed
Income GST Program
Programs

Pre Approved
Program

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 Audited
Audit / CA Certified
Observations Financials Program 27

Loan Amount: Upto 100 Lakhs. Minimum PAT should be positive

Tenure : Upto 5 Years Unsecured exposure: not more than 2
PL/BIL in last 12 months

For CA Certified:
Credit Summation: L.A capped to 25 Lakhs
Last 12 months 60% Turnover routing Topline to be validated from GST Returns
mandatory in banking. 30% in case of Profit to be validated from IT return
6 months banking

Income calculation methodology :

Current year PAT
Add : Salary & interest to
partners/directors
Drop in Turnover: Not more than 20% Add : Depreciation (Average of last 2
in last 2 years years or 2/3rd of latest year whichever is
higher)
Add : Amortized expenses like
preliminary/miscellaneous expenses
Add : Rental income + Interest Paid
Minus : Capital gains, extraordinary/one-
CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.
off items
 Banking
Audit Program
Observations
28
Income calculation methodology

Loan Amount: Upto 50 Lakhs Nature of

Green Industry Red Industry
/Amber Industry /Special Profile
Business
Tenure : Upto 5 Years (Margin %) (Margin %)
Manufacturer 6.00% 4.50%
Documentations :
Service 6.00% 4.50%
• KYC - Applicant & Co Applicants
• Latest ITR with computation Retailers 5.00% 3.75%
• Latest 12 months bank statement & GST
Returns Wholesalers 4.00% 3.00%

Imputed income = Turnover * Margin *80% (post tax)

Turnover for Margin =2 times of annual credit

Limit Eligibility: Higher of Leverage summation in Banking Variant
or ABB/EMI
ABB/EMI without obligations for : Business Credits
Elite /Super HNI: 2 times Min. business debit/credit in a month 6

Others: 3 times Min. business debit/credit transactions yearly 120

Minimum MAB is required in last 3 months 25000
Minimum MAB in last 12 months 50000
30
Minimum annual credit summation Lakhs

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 GSTObservations
Audit Program 29

Loan Amount: Upto 50 Lakhs Income calculation methodology

Tenure : Upto 5 years Green Industry Red Industry
Nature of
/Amber Industry /Special Profile
Business
(Margin %) (Margin %)
Manufacturer 6.00% 4.50%
Target Customer
Any customer who files GST returns on Service 6.00% 4.50%
regular basis
Unsecured exposure: not more than 1 Retailers 5.00% 3.75%
PL/BIL in last 6 months
Wholesalers 4.00% 3.00%

Imputed income = Turnover * Margin *80% (post tax)

Minimum Turnover - 50 lacs

PAT Should be positive Documentations-
• KYC of Applicant and Co Applicants
• Latest ITR with computation.
• Latest 12 months bank statement & GST
Business Vintage Returns
• 3 Years
• NFA up to 2 years

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

Business
Audit Loans
Observations backed by Fixed Deposit 30

• FD with ICICI Bank Ltd

• FD to be Lien Marked & under
auto renewal mode
• All FD holders to be part of
facility
• FD to be in the name of
Applicant or Co-applicant
• LTV is 100% of FD value

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 Balance
Audit Takeover
Observations Norms - BL 31

Limit Eligibility :

- Seasoning of 9- Proposed Loan

12 Months, 115 % Amount :
of the sanction If loan amount
All Key Policy POS of facility
amount required is higher, ABB to EMI :
Parameters will proposed for BT +
- For each normal eligibility 1.2 times
be applicable Top Up (if eligible)
completed 6 norms shall apply
+ Foreclosure
months, to be Charges, if any
increased by 5%
subject to
maximum of 125%

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

Low Penetration Variants –
Self Employed

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 BIL Observations
Audit Basis OD/CC Accounts 33

Business For OD/CC For OD/CC

Bureau Score
Vintage Amount <= 1Cr amount >=1Cr
• Minimum business • Minimum CIBIL • Limit/loan amount • Limit/Loan amount
vintage of 5 years score of 740 for the up to Rs. 10 Lakhs up to Rs. 20 Lakhs
proprietor or which will be 20% which will be 20%
partners/ directors of existing fund of existing fund
with at least 51% based limit/ 10 based limit/ 20
shareholding lakhs whichever is Lakhs whichever is
lower lower

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

Audit Observations
Current account overdraft (CAOD)/unsecured overdraft with ICICI Bank
34

No delay in interest servicing in the last 12 months for >15 days

Maximum unsecured exposure (existing facility and proposed BIL exposure), not to exceed
Rs. 25 Lakhs

Maximum combined exposure to special profiles under this norm not to exceed Rs.15 Lakhs

Minimum credit summation to be at least 5 times of the total exposure

MAB and ABB will be calculated basis on effective available balance

Average Bank balance should be 1.5 times of EMI for each of the last 12 months

Average Balance should be Rs. 50,000 for each of last 12 months

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 Sourcing
Audit to Self
Observations Employed Doctors 35

Unsecured Loan Track

Max. Loan Amount Number of years in current If Audited financials
employment/Profession: submitted >5 PL/BIL in last
75 Lakhs 12 months, for un-audited
Up to 5 years
financials not more than 3
PL/BIL in last 12 months
Qualifications/
Degrees covered :
• MBBS
• MD
Max. Tenure • BDS
• MDS
Up to 6 years
• DGO
• DO/DOMD
• MS/MCh
• DM

*MAB and ABB to be calculated by taking the average of balances on the 10 th, 20th and 30th of each month as reflecting in the bank statement.

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

MSME/PSL Guidelines 36

Government of India has amended the criteria of MSME

entities, a new system for MSME registration has been
introduced by Ministry called “UDYAM”.

Each type of business entity to qualify as MSME has

to acquire the Udyam registration certificate (URC).

Udyam Registration Certificate is the only

document to classify the borrower under MSME

URC customers classified under Micro & Small

Sector are entitled to ZERO FC post first EMI

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

36
 Legal
Audit Entity Identifier
Observations
37
LEI Code is mandatory for all borrowers having banking system exposure of ₹ 5 crores

Legal Entity Identifier India Limited is a Wholly Owned Subsidiary of The Clearing Corporation of
India Ltd. (CCIL) LEI is a global reference number that uniquely identifies every legal entity or
structure that is party to a financial transaction, in any jurisdiction.
LEI is a unique 20-character alphanumeric string (i.e. 529900T8BM49AURSDO55) that needs to be
procured from borrower and updated in Bank records before sanctioning of loans.
LEI is applicable to Proprietor/Partnership/LLP/Pvt/Ltd, not applicable for Individuals.
LEI Code once issued is valid for a period of 1 year. Entity needs to file for renewal before 30 days from the
expiry date. At the time of underwriting, Credit Team to ensure validity of LEI . In case LEI number is available
and the same is expired, credit underwriting team not to sanction the case until a valid/active LEI is obtained.
Only Banking Exposure to be considered. NBFC exposure not to be considered
Credit Team to update bank records at UCC level with LEI Code by raising a I-Helpdesk SR vide path INTERNAL
PROCESS MANAGEMENT >> CCIF >> CCIF OTHER REQUEST OR QUERIES.

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

 Pre-Approved
Audit Observations Programs (PL and BIL) 38

Instant disbursement in 3
Customers can avail seconds through:
Insta PL via : • Corporate Internet banking
• Assisted Digital Platform PL – PA Insta Proprietorship • Instabiz App
• iMobile Firm (BIL) • Alternate link :
• Retail Internet Banking/ https://clos.icicibank.com/BIL/Appl
Net Banking y.jsp
• No documents required

• Processed
Partnership PA Offers subject
physically through •
and Private KYC/ Income norms
MCAS/RCAS
Ltd Companies PL – PA Non Insta
• Documents needed • Processed through
(BIL)
as per constitution MCAS/RCAS

CONFIDENTIAL. ONLY FOR INTERNAL CIRCULATION.

Thank You !