The loan got rejected. You still
got paid.
Incentive details
₹1,001 per qualified file
Paid in addition to your payout for approved loans.
On Credit Committee acceptance
Payable only after the file is accepted for Credit Committee discussion.
No approval or disbursal required
Credit Committee approval or disbursal is not required for eligibility.
How it works
1. Submit the file
Share a complete application with all required documents.
2. Credit Team screens it
Your proposal is checked against the eligibility criteria below.
3. ₹1,001 payable to you
Once the file is accepted for Credit Committee discussion — funded or not.
✅ Eligibility criteria
A file will qualify for the incentive only if it meets the following:
Loan amount between ₹1 Crore and ₹10 Crore (detailed end-use breakup required)
Revenue of minimum ₹2 Crore
Loan tenure required: 3–5 years
Self-owned (director/shareholder) residential, commercial or industrial property as collateral — minimum 2X of loan required, with no issues in the title. Land not accepted.
Business vintage of minimum 3 years
Business should be operational with repayment capacity according to bank statements and financial statements
Healthy credit profile: promoters' personal CIBIL above 675 and company's Commercial CIBIL not more than CMR 7 (no write-offs or intentional defaults in the past)
No history of wilful default in the last 10 years and no major legal cases
Pricing feasible at 18% ROI or above, as per company policy
Complete application and required documents submitted
❌ Incentive will not be payable if
- File is rejected during preliminary credit screening
- Documentation is incomplete or there are major information gaps
- The case is duplicate or was previously sourced
- Customer withdraws or requested data is not provided
📌 The decision of the Credit Team regarding whether a file qualifies for Credit Committee discussion shall be final and binding for the purpose of this incentive policy.