Approach for Gradation of Risk

a) Risk of credit loss arising from the short tenure of the loan;
b) Nature and type of the facility;
c) Loan ticket size;
d) Relevant demographic factors;
e) Customer segment and profile;
f) Stability and continuity of income and employment;
g) Overall financial position and repayment capacity;
h) Past repayment track record with the Company and/or other lenders;
i) External credit ratings and credit bureau reports;
j) Nature and length of the customer relationship with the Company;
k) Existing indebtedness and overall debt obligations;
l) Results of digital verification and other technology-enabled checks;
m) Compliance with applicable RBI guidelines and regulatory requirements; and
n) Such other relevant factors as may be considered appropriate on a case-by-case basis.