CUSTOMER BUDGET ANALYSIS INPUT COLUMN CALCULATIONS

APPLICATION ID/ LOAN NUMBER : SPLUD005341

NAME OF THE CUSTOMER : INDERJEET SINGH

SCHEME CODE : SPSE

A TOTAL MONTHLY NET DISPOSABLE VERIFIABLE INCOME 12500

Income per annum as per ITR for Self-employed 100000

Net income per month as per pay slip for Salaried

B ADDITIONAL INCOME

Rental, Agriculture, Part time Job, Other allowances (Proof provided) 0

Rental, Agriculture, Part time Job, Other allowances (Proof not provided but
validated by FI) 0

C Clubbed Income

Spouse,Son,Daughter,Father and Mother's income (Proof provided) 0

Spouse,Son,Daughter,Father and Mother's income (Proof not provided but
validated by FI) 0

D TOTAL INCOME (A+A1+A2) 12500

Net Surplus Income (as required by Cholamandalam DBS)
2500
E Minimum 20% of A+A1+A2

F Disposable Income for calculation purposes [(A+A1+A2)-B] 10000

G LIVING EXPENSES

Food, Clothing and other basic expenses 1500 1500

Utility Bills( Electricity bills,phone bills,water bills etc) 500 500

Education expenses 0

Conveyance expenses 500 500

House Rent 700 700

H TOTAL EXPENSES 3200

I FIXED MONTHLY LIABILITIES EMI

J TOTAL LIABILITIES 0

K Total monthly expenditure (H+J) 3200

Maximum Cholamandalam DBS EMI as per Budget Analysis (F-K) 6800

Maximum acceptable EMI as per DEBT Ratio 5833

Comfortable EMI as stated by the Customer during the Interview
2000 2000
Final EMI as per Budget Analysis 2000

FINAL LOAN AMOUNT OFFERED

FINAL EMI OFFERED

CREDIT MANAGER NAME : HARSH SAREEN

SIGNATURE :

DATE :
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3125

5833.33
 Cholamandalam DBS Finance Ltd
CUSTOMER BUDGET ANALYSIS
Loan A/C Number
Name Jayarani
CALCULATIONS
TOTAL MONTHLY NET DISPOSABLE STATED/DECLARED
A INCOME 7500

A1 ADDITIONAL INCOME
Rental, Agriculture, Part time Job Work(business income)
Allowances for Salaried(overtime)
A2 Clubbed Income
Spouse/ Parent/ Children (pension father) 1000
TOTAL INCOME (A+A1+A2) 8500
Net Surplus Income (as required by Cholamandalam)
1700
B = minimum 20% of A+A1+A2
C Disposable Income for calculation purposes [(A+A1+A2)-B] 6800

D Number of Family Members 3

E LIVING EXPENSES
Food, Clothing and other basics 2000
Utility Bills( Electricity bills,phone bills,water bills etc) 1000
Education 1000
Conveyance 500
F House Rent (Please Select Residence Type)
TOTAL EXPENSES 4500

G FIXED MONTHLY LOAN/LIABILITIES: LA/ BANKER/TENOR EMI

TOTAL LIABILITIES 0
H Total monthly expenditure (E+ F+G) 4500
I Maximum Cholamandalam DBS EMI as per Budget Analysis (C-H) 2300
Maximum acceptable EMI as per DEBT Ratio 4760
Comfortable EMI as stated by the Customer during the Interview
& as seen in the Bank statement 3000
EMI OFFERED 2043
Debt Burden % for the EMI offered 30%

FINAL LOAN AMOUNT OFFERED 40000

CREDIT MANAGER'S NAME

Date
Signature nithya