🏢 Business Loan
👤 Personal Loan
⚖️ Gold Loan
🌱 Microfinance
💳 Credit Line
Risk-Based Rate Matrix — Business Loan
Edit ROI per tier · REPO rate: 6.50% · Spread defined per risk tier
v2.3 · Live
| Risk Tier | CIBIL Score | FOIR Cap | Vintage | Base ROI (%) | Spread (%) | Effective ROI |
|---|---|---|---|---|---|---|
| Prime | 750+ | ≤40% | 3+ yrs | 15.00% | ||
| Standard | 700–749 | ≤45% | 2–3 yrs | 19.00% | ||
| Enhanced | 650–699 | ≤50% | 2–3 yrs | 22.50% | ||
| Sub-prime | 600–649 | ≤55% | 2+ yrs | 26.00% | ||
| Watch | 550–599 | ≤50% | 3+ yrs | 30.00% |