All “Borrower/s” on the loan facility are hereby informed that the company has the following approach and considers following factors for assessing rate of interest for each Borrower:

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1. Risk related to loss of credit due to short tenure of loan; 

2. Nature of facility;

3. Ticket size of loan;

4. Demographic conditions;

5. Customer segment;

6. Stability in earnings and employment;

7. Financial position;

8. Past repayment track record with the Company or with other lenders;, 

9. External ratings of customers, credit reports;

10. Customer relationship; 

11. Other existing indebtedness;

12. Results from digital verification; 

13. RBI Guidelines; and 

14. Any other factors on a case-by-case basis, as may be applicable.