Process by which an existing bank account or facility is closed after repayment, transfer, settlement, or internal decision. For balance transfer cases, it is used to verify that the old lender’s exposure is extinguished. Capture closure...

Unique account identifier allotted by the bank for a customer deposit, loan, or facility account. It is an operational reference rather than an underwriting concept. Mask or secure it because it is sensitive customer information.

The loan or facility account number maintained with the existing bank from which the exposure is being taken over. It supports balance transfer due diligence and closure tracking. Keep it as a transaction field, not as a core core underw...

Type of bank account or facility account, such as current account, cash credit, overdraft, or term loan account. In underwriting, it helps classify how the borrower uses banking limits and repayment channels.

Length of the borrower’s relationship with the current or previous bank. Higher vintage with satisfactory conduct improves comfort on repayment discipline and stability. Define the unit clearly, usually months or years.

Temporary credit limit sanctioned over and above the regular approved limit for a short period. It is usually provided to meet urgent working capital or seasonal funding needs. Repeated ad-hoc usage can indicate stress or poor limit plan...

Net worth adjusted by excluding intangible assets, revaluation reserves, fictitious assets, and other weak capital items. It gives lenders a conservative measure of borrower capital support. ATNW is commonly used in leverage ratios such...

Evaluation of advisory credit as part of credit underwriting or portfolio monitoring. It helps the lender identify risk, repayment comfort, policy compliance, and required mitigants. Define the scoring basis, source data, frequency, and...

Flag for borrower or group exposure above ₹100 crore where the account is currently unrated although it was rated earlier. It should trigger rating-status review and policy compliance check.

Flag indicating aggregate bank or group exposure exceeding ₹200 crore. It usually affects approval authority, external rating requirement, monitoring intensity, and regulatory or internal reporting treatment.

Amount earmarked or assigned to a specific borrower, facility, collateral, tranche, security, or transaction purpose. It should clearly state whether the amount is proposed, sanctioned, disbursed, outstanding, or apportioned.

Alternative label or alias used for negative-list screening, adverse check, blacklist check, bureau match, fraud database match, or watchlist validation during borrower due diligence.

Assessment of whether the borrower is servicing principal and interest according to the approved repayment schedule. It highlights missed instalments, delayed payments, restructuring need, or repayment discipline issues.

Anchor Enterprise Dependency Score is a risk-monitoring concept used to identify stress, control weakness or portfolio-level concern. Use it as an input for review, mitigation and monitoring rather than a standalone decision.

Ratio showing the relationship between ancillary facilities and the main sanctioned facility. It helps evaluate whether linked non-fund, transaction, or support facilities are proportionate to the borrower’s core exposure.

Total operating revenue or sales generated by the borrower during a financial year. In MSME underwriting, it supports enterprise-size classification, eligibility, limit assessment, repayment capacity analysis, and trend review.

Borrower undertaking that loan proceeds will be used only for the sanctioned purpose and not diverted to unrelated entities, personal use, speculative activity, or repayment of undisclosed liabilities.

Classification of the applicant in a credit proposal, such as individual, proprietorship, partnership, LLP, company, trust, co-borrower, guarantor, or collateral owner. It affects KYC, documents, and legal capacity.

Chronological record of actions, status changes, document uploads, approvals, and system events linked to a loan application. It supports audit trail, accountability, turnaround-time tracking, and issue investigation.

Unique system-generated reference number assigned to a loan application. It links customer details, documents, workflow status, approvals, credit notes, and audit trail across the origination journey.

Relationship Manager responsible for sourcing or managing the loan application. It supports ownership, customer communication, document follow-up, and internal accountability during the appraisal process.