Investor Presentaiton

Underwriting & Collections Process DFL has an extremely robust credit appraisal and collections & recovery process which has been strengthened further given the Covid-19 pandemic. The credit team has pro-actively made changes in the appraisal process by assessing the cases on banking habits rather than DSCR and I-T returns of the borrowers. The company has developed models to assess borrowers based on DBR (Debt to Banking Ratio) even for larger ticket size loans (above 10 lakhs). Our Risk Management Framework comprises of: 1 2 3 4 5 6 O Deep understanding of the MSME and retail market and experience of underwriting segments within the underserved market Policy and process- based approach to assist people in risk- mitigation with customized policies to cater to multiple customer requirements A Centralized Credit Processing Centre with Committee Approach for sanction ensuring tight underwriting controls. A multi-layered system strengthens the Credit assessment process Multiple verifications and checks have been introduced to get a 360-degree risk assessment done before the final disbursement call Major Risk Assessment tools deployed are Credit Bureau Checks, Satisfactory Banking Habits, Genuineness of Financial Statements, Decent Business/Residential Set- up, Personal/Surprise visits, Field Investigation, Fraud Control Unit Checks, etc. Specialized collections team manages overdue collections Investor Presentation | www.dfltd.in 24 24

View entire presentation