CREDIT UNDERWRITING AND PROCESS AT

INDIABULLS HOUSING FINANCE LIMITED

CREDIT UNDERWRITING AND PROCESS AT
INDIABULLS HOUSING FINANCE LIMITED
Industry Guide

AAMIR KHAN
16106B1051
CONTENTS
Problem Definition
Objectives
Data Analysis
Recommendations
Learnings /Conclusion
Problem Definition

Excluding sectors which are at

downfall
Gap in Analytical System
Check Professionalism in Work
Understand and Observe the Entire
Credit System
HOUSING FINANCE
Provide Funds To People /Firms/Companies
Stable Industry

INDIABULLS HOUSING FINANCE LIMITED

2nd largest private housing finance company in India
AAA Rated Company
 OBJECTIVES
To Study Component of the Process
To understand the whole documentation system of
Indiabulls
To understand the whole Credit Underwriting system
of Indiabulls
To observe and learn the entire credit underwritng and
analysis process
To understand the mindset of the Credit Manager
To make an item wise study of component of the
Process
Login
DATA ANALYSIS
CASE STUDY :
CORUM HOSPITALITY

Primary Data :
Interview through questionnaire was carried out to get the
views of existing customers and new applicants among
200 respondents
RECOMMENDATIONS
To make a surprise visit by the credit department to
authenticate the financial details
To make one female co-applicant mandatory in
housing loan application
To have a channel of direct discussion with
creditors /debtors of the customer
RECOMMENDATIONS
To have a more efficient banking analysis system
Make a strict checklist of documents to avoid time delay
in disbursement and login
Ensure more co ordination with sales and operations
department
Make processing time faster as it is one of the
companys core strength
More Swift System and Calculations are needed
LEARNINGS /CONCLUSION

Customer Satisfaction is high as seen in the survey

Credit underwriting requires a lot of self risk taking and
analysis
The calculation of EMI and interest rates is very flexible
in the company
It helps to get a deep idea about various setors
Various Surrogate products are available for finance at
Indiabulls
LEARNINGS /CONCLUSION
The policy and effective rates are always reviewed
periodically
It has been learnt that it is a stable industry as people
always require funds for various purposes
Credit underwriting puts into action all the financial
aspects and its a broad area
Customer retention is very important for future
businesses to come