| S.No | Parameter | Parameter Value | Score | Weight |
|---|---|---|---|---|
| 1 | Age of Individual or proprietor: | 30.00 | 2.00 | 5 |
| 2 | Constitution | 1 | 3.00 | 3 |
| 3 | Sector | AGRI | 2.00 | 3 |
| 4a | Relationship of borrower with PNB (TRV) Deposit Account (a) | 0.00 | 1.00 | |
| 4b | Relationship of Applicant with PNB in no. of years (Deposit Account)(b) | 2 | 4.00 | |
| 4c | Final score under the parameter “Past relationship with the Bank” is assignment on the basis of outcome under Step 3 as under:(c=a*b) | 4.00 | 3.33 | 10 |
| 5 |
Credit Summation in KCC Account in the past 12 Months/ Credit Summation in CC/OD Account in the past 12 Months (for customers belong to MSME segment) |
5.00 | 5.00 | 5 |
| 6 | No. of instances of Inward Cheques Bounce | 2.00 | 3.60 | 4 |
| 7 | No. of e NWR accounts closed within due date with our bank as on date | 0 | 1.00 | 5 |
| 8 | Original sanction date of CC account in which limit against e-NWR receipts has been provided | 1.00 | 3.00 | 5 |
| 9 | Margin* | 2.00 | 2.40 | 5 |
| 10 | Shelf life of Commodity* | 8.00 | 2.50 | 3 |
| 11 | Credit History: CIC Score as per consumer CIBIL* | 400.00 | 0.00 | 15 |
| 12 | Conduct of Account in last 12 months* | sma1_dpd- ; npa_acts - ; SMA 2 Accounts- ; SMA1 accounts- | 5.00 | 5 |
| 13 | No. of inquiry in CIC in the past 6 Months* | 3 | 0.80 | 2 |
| 14 | Total Score | 33.63 | 70 | |
| 15 | Total Scaled Score | 48.04 | 100 | |