Investor Presentaiton
Section 7: Successful Trajectory of Growth and Profits at Capital First
Credit Framework
Rigorous Credit Underwriting Process helped in maintaining high asset quality
100
2-3 X
38-40 X
In the Mortgages business at Capital First, about 38% of
the total applications were disbursed after passing
through several levels of scrutiny and checks, mainly
centred around cash flow evaluation, credit bureau and
reference checks. Most rejections were because of the
lack of visibility or inadequate cash flows to service the
2-4 X loan.
5-7 X
Application Logged in CIBIL / Credit Bureau
Rejection
Rejection Due to
Insufficient Cashflow
/ Documentation
Rejection after
Personal Interview
10-12X
38
Rejection due to
Legal & Technical
Reasons
Rejection for Other
Net Disbursals
Reasons
61
IDFC FIRST
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