lender_id, [2, 20])){ $course = 'Product'; $institute = 'Merchant'; $isKM = true; } $bureau_score = $report; $merchant_processing_collected = (isset($application->proFormaInvoice->processing_fee_collection_method)? $application->proFormaInvoice->processing_fee_collection_method : (isset($application->merchant->is_collected) && $application->merchant->is_collected == 1 ? $application->merchant->is_collected : 0)); /* * Per-charge collection methods: the processing fee, the CERSAI hypothecation charge * and the legal charges (stamp duty) are each collected by CreditFair, collected by * the merchant, or added into the loan amount. A charge added into the loan is funded * from the principal and amortised across the EMIs, so it is flagged "(Added in loan)" * on the column it appears in and is never netted off the merchant payout. * * Applications approved before the methods were released have none of this and keep * the legacy behaviour where CERSAI and the stamp duty follow the processing fee. */ $independent_charge_methods = \App\ProFormaInvoice::collectionMethodsApply($application->id); $pf_collection_method = \App\ProFormaInvoice::resolveCollectionMethod( $application->proFormaInvoice->processing_fee_collection_method ?? null, isset($application->merchant) ? $application->merchant->processingFeeCollectionMethod() : null ); $cersai_collection_method = \App\ProFormaInvoice::resolveCollectionMethod( $application->proFormaInvoice->cersai_collection_method ?? null, $application->merchant->cersai_collection_method ?? null ); $legal_charges_collection_method = \App\ProFormaInvoice::resolveCollectionMethod( $application->proFormaInvoice->legal_charges_collection_method ?? null, $application->merchant->legal_charges_collection_method ?? null ); $processing_fee_in_loan = \App\ProFormaInvoice::isAddedInLoanAmountForApplication($pf_collection_method, $application->id); $cersai_in_loan = \App\ProFormaInvoice::isAddedInLoanAmountForApplication($cersai_collection_method, $application->id); $legal_charges_in_loan = \App\ProFormaInvoice::isAddedInLoanAmountForApplication($legal_charges_collection_method, $application->id); $insurance_in_loan = isset($application->proFormaInvoice->insurance_premium_by_merchant) && $application->proFormaInvoice->insurance_premium_by_merchant == 2; /* * application_emi_calculation.legal_charges holds the combined figure: stamp duty plus * the CERSAI charge. Split it so each one gets its own column and its own method. */ $cersai_charges = (int) ($application->proFormaInvoice->cersai_hypothecation_charge ?? 0); $legal_charges_total = $application->emi->legal_charges ?? 0; $stamp_duty_charges = max(0, $legal_charges_total - $cersai_charges); /* * Only a charge the merchant collects comes off the payout - the merchant has already * taken it from the customer. A charge CreditFair collects, or one added into the loan, * leaves nothing to deduct. Mirrors DisbursementController::getDisbursementAmount(). */ if ($independent_charge_methods) { $charges_deducted_from_payout = ($legal_charges_collection_method == 1 ? $stamp_duty_charges : 0) + ($cersai_collection_method == 1 ? $cersai_charges : 0); } else { $charges_deducted_from_payout = ($merchant_processing_collected == 1) ? $legal_charges_total : 0; } ?> creditReport)): ?> creditReport; $__env->addLoop($__currentLoopData); foreach($__currentLoopData as $report): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?> applicant_type) && $report->applicant_type == 1): ?> applicant_type) && $report->applicant_type == 2): ?> popLoop(); $loop = $__env->getLastLoop(); ?>
lender_id == \App\Avanse\Services\AvanseServices::$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): ?> 0): ?> 0): ?> partial_disbursement; $__env->addLoop($__currentLoopData); foreach($__currentLoopData as $key => $multistageDisb): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?> emi->subvention && $application->merchant->is_gst && $application->merchant->is_gst == 1): ?> 0): ?> 0): ?> lender_id != \App\Avanse\Services\AvanseServices::$lender_id): ?> popLoop(); $loop = $__env->getLastLoop(); ?> emi->subvention && $application->merchant->is_gst && $application->merchant->is_gst == 1): ?> 0): ?> 0): ?> lender_id != \App\Avanse\Services\AvanseServices::$lender_id): ?>
Phase Fee Discount Loan Amount Down Payment Subvention GST on Subvention Subvention with GST Advance Interest (subvention) Processing Fees Charged (including GST) (Added in loan) Insurance Premium Amount (Added in loan) Legal Document Charges (Added in loan) Cersai Hypothecation Charges (Added in loan) 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) ? $application->emi->processing_fee : ''); ?> 0 proFormaInvoice->insurance_premium_amount*((int)$curr.$multistageDisb->per_disbursement_amount))/100 ?? 0); ?> 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_applicable) && $application->proFormaInvoice->insurance_premium_applicable == 1): ?> proFormaInvoice->insurance_premium_amount ?? 0); ?> 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); ?>
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
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