Understanding credit policies

Credit policies define LTV, FOIR, income, and CIBIL rules. Here's how to read them and use an AI copilot to get instant answers.

Why it matters for lending

Banks and NBFCs use these metrics to keep risk within policy limits. Understanding LTV, FOIR, and how they interact helps you qualify customers faster and explain decisions clearly.

How policies define the rules

Credit policy documents spell out maximum LTV by segment, FOIR thresholds, minimum income, and CIBIL requirements. An AI policy copilot can read these documents and answer eligibility questions in plain language.