Loan products

Seven loan products, each with its own checklist

Choose the product and GIX Verify knows which documents to expect, which checks to run on each one, and which policy limits apply.

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7 products · 33 documents156 checks in the library

Home Loan

Purchase or construction of a house; salaried or self-employed

24documents112checks

Loan Against Property

Loan secured on residential or commercial property

22documents105checks

MSME Working Capital (CC/OD)

Cash credit / overdraft for traders and manufacturers; CMA required

21documents100checks

MSME Term Loan

Machinery, expansion or capex; CMA required

21documents100checks

Auto Loan

New or used car / commercial vehicle

17documents88checks

Personal Loan

Unsecured loan for salaried individuals

14documents75checks

Business Loan (unsecured)

Unsecured loan for self-employed and small businesses

16documents81checks

Product → documents → checks

Pick a loan product. See exactly what gets checked.

Each product has its own document checklist. Each document has its own checks. The product adds its policy checks, and six cross-file fraud checks run on every file.

Home Loan

Purchase or construction of a house; salaried or self-employed

112checks run on a typical file

24documents

11must-have

103document checks

9policy and cross-file

Screen a sample file

KYC

PAN cardIncome Tax (PAN verification API)Must have7 checks

AadhaarUIDAI via DigiLocker / offline e-KYCMust have5 checks

Voter IDElection Commission (electoral search)if extra ID needed4 checks

PassportPassport SevaNRI applicants3 checks

Address

Electricity billDiscom / BBPS bill fetch, QR codeMust have5 checks

Rent agreementState registration (IGR) searchif rented4 checks

Business

GST certificate & returnsGSTN (with consent via GSP / AA)self-employed5 checks

Udyam registrationUdyam portalself-employed3 checks

Income · salaried

Salary slips (3 months)Bank credits, EPFO (consent)salaried8 checks

Form 16TRACES, AIS (consent)salaried4 checks

Employment proof (ID, offer letter)EPFO, employer email domainsalaried2 checks

Income · self-employed

ITR (2–3 years)Income Tax e-filing, 26AS / AISself-employed5 checks

Audited financials (balance sheet, P&L)ICAI UDINself-employed4 checks

Banking

Bank statements (6–12 months)Account Aggregator (preferred) / PDFMust have11 checks

Existing loans

Statement of existing loans (SOA)Credit bureau, bank statementif existing loans3 checks

Loan closure letterCredit bureauif loans closed2 checks

Property

Sale agreement & Index-IIState IGR e-searchMust have4 checks

7/12 extract / property cardMahabhulekh / land recordsplot / land4 checks

Title documents chainCERSAIMust have2 checks

Valuation report (vendor)Empanelled valuer listMust have2 checks

Application

Application form & signaturesInternalMust have5 checks

PhotographsInternal face matchMust have2 checks

Bureau & policy

Credit bureau reportCIBIL / CRIF / Experian / EquifaxMust have5 checks

Field verification

Field verification report (CPV)Empanelled field vendor (upload / API)Must have4 checks

CMA for MSME loans

CMA Forms I to VI, ready in minutes

Upload the balance sheets, profit and loss and projections. GIX Verify builds the CMA data, works out the permissible bank finance and the key ratios, and flags numbers that do not tie up. Try the second method of lending below.

Projected total current assets ₹4,80,00,000Other current liabilities (not bank borrowing) ₹1,05,00,000

Forms I to VI: particulars, operating statement, balance sheet analysis, current assets and liabilities, fund flow, MPBF
Current ratio, TOL/TNW, DSCR and turnover ratios, year by year
Mismatches between the financials, GST returns and bank credits flagged

Permissible bank finance (MPBF)

₹2,55,00,000

Total current assets₹4,80,00,000

Less borrower margin (25% of current assets)− ₹1,20,00,000

Less other current liabilities− ₹1,05,00,000

Current ratio after finance1.33

Illustration of the second method of lending only. Your lender's own policy and assessment decide the final limit.

Request a demo

See GIX Verify on your own loan files

Tell us about your lending and we will screen a few sample files with you, set to your products and your policy.

A walkthrough on masked sample files
Your products, thresholds and sampling rules set up
A pilot plan for one product or one region