Welcome to Banking Quest

This session provides a foundational understanding of the retail banking sector in India, with a focus on its role in supporting housing finance.

It covers the structure and evolution of the retail banking ecosystem, key players, and the regulatory framework shaping credit practices.

Participants will gain insights into the current credit landscape, emerging trends, and the unique challenges and opportunities faced by underwriters in assessing retail and housing finance borrowers. The session sets the context for deeper exploration of credit appraisal, risk management, and policy frameworks in subsequent modules.

This session introduces participants to the concept of credit risk, the central factor in lending decisions.

It explores the key components of credit risk—including default risk, exposure, and recovery—and explains how these influence the risk-return balance in housing finance.

Participants will also learn about commonly used measurement tools and risk indicators, equipping them with a practical framework to evaluate borrower profiles and strengthen underwriting decisions.

This session provides a detailed understanding of the Five Cs of Credit - Character, Capacity, Capital, Collateral, and Conditions- as applied to housing loans.

Participants will learn how to interpret CIBIL scores and assess borrower integrity (Character), evaluate income and repayment ability (Capacity), determine the borrower’s stake through down payment (Capital), conduct property valuation and assess marketability (Collateral), and consider economic and employment conditions (Conditions).

The session also highlights documentation requirements for each “C,” demonstrates the practical application of the framework in underwriting decisions, and addresses common pitfalls that underwriters should avoid.

This session offers a comprehensive overview of home loans, their types, and key characteristics.

Participants will learn about eligibility criteria across borrower segments and the complete credit assessment–to–disbursement process. The session covers Loan-to-Value (LTV) norms, margin requirements, and the importance of technical and legal verifications in safeguarding lending decisions.

It also highlights regulatory aspects such as priority sector lending norms for housing finance, and provides a practical documentation checklist with verification steps to ensure compliance and accuracy in underwriting.

This session explores secured retail credit products with a focus on vehicle loans and loans against property (LAP).

Participants will understand the positioning of LAP in the housing finance ecosystem, its target borrower segments, valuation methodologies, and the associated risk assessment practices.

The session also covers end-use monitoring requirements to ensure funds are utilized appropriately. In addition, product suitability and customer profiling techniques are discussed to help underwriters match secured credit offerings with borrower needs while maintaining prudent risk management.

This session examines unsecured retail credit and specialized housing finance products designed to meet the needs of diverse borrower segments.

Participants will learn about government-supported schemes such as PMAY-CLSS for affordable housing, initiatives like SJSRY and MICROS, as well as tailored products for NRIs, senior citizens, and women.

The session highlights regulatory mandates on priority sector lending (PSL) and portfolio allocation for weaker sections, along with operational risks and control measures when serving low-income or vulnerable customer groups.

Through this, underwriters gain practical insights into balancing social objectives with sound credit practices.

This session focuses on the due diligence framework that underpins sound retail credit decisions.

Participants will explore pre-sanction checks such as CIBIL and bureau reports, CRILC data, RBI defaulter lists, and AML/sanctions screenings.

The session also covers income verification techniques for salaried and self-employed borrowers, along with financial statement analysis including profit & loss, balance sheet, and cash flow review.

On the collateral side, property due diligence is explained in detail—title verification, legal opinion, technical valuation, and encumbrance checks. Finally, participants will learn the essentials of post-sanction monitoring, ensuring that risk controls remain robust throughout the loan lifecycle.

This session provides an in-depth view of how retail credit portfolios are monitored and managed post-disbursement. Participants will learn portfolio monitoring techniques, including periodic credit checks and delinquency bucket analysis, to identify early warning signals.

The session also covers NPA classification norms for secured retail accounts, ensuring compliance with regulatory standards. Recovery frameworks are explained with a focus on practical procedures, including the implementation of the SARFAESI Act and other mechanisms available to lenders.

By the end, underwriters will gain a holistic understanding of how proactive monitoring and structured recovery processes safeguard asset quality.