These variables have been recognized as material risk explaining variables in company segmentation analysis.
Annualized rate of interest applicable for these EMI Lite(s) in BFL varies from 6 % to 25%, on the basis algorithmic multivariate score card which includes following variable (inclusive and not exhaustive): (a) Interest rate risk (fixed or floating loan) (b) Credit and default risk in the related business segment (c) Historical performance of similar homogeneous clients (d) Profile of the Customer (e) Industry segment (f) Repayment track record of the Customer (g) Secured or unsecured loan (h) Ticket size of loan (i) Bureau Score (j) Tenure of Loan (k) Location delinquency and collection performance (l) Customer Indebtedness (other existing loans).
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