MUDRA LOAN - BORROWER JOURNEY

BY CSC USERS

TRAINING MODULE

• This document is being provided to you by Online PSB Loans Limited (“OPL”), a company duly incorporated and registered in India, its nominees, subsidiaries,Affiliates, successors, successors-in-titles or assigns, as a document intended for information purposes only and does not constitute a legally binding obligation onthe part of OPL.

• No representation, warranty or undertaking, express or implied, is made and no responsibility or liability is accepted by OPL in connection herewith. OPL does notaccept any liability of whatsoever nature in relation to the information contained in this document or any other information provided in connection herewith. Noperson has been authorized by OPL to give any information or to make any information or to make any representation not contained herein, and, if given or made,such information or representation should not be relied upon as having been authorized by OPL.

• OPL specifically disclaims all liability for any direct, indirect, consequential or other losses or damages including loss of profits incurred by you or any third partythat may arise from any reliance on this document or for the reliability, accuracy, completeness or timeliness thereof. Furthermore, the information contained inthis document should in no way be considered as a binding on any structures or matters discussed herein.

• The transaction(s), or product(s) or process(s) mentioned herein may not be appropriate for all parties and before entering into any transaction you should takesteps to ensure that you fully understand the transaction(s) or product(s) or process(s) and have made independent appraisal of all the parties involved andindependent assessment of the appropriateness of the transaction(s) or product(s) or process(s) in light of your own objective and circumstances, including thepossible risk and benefit of entering into such transaction(s) or product(s) or process(s). In making such appraisal and assessment, you should rely solely on advicefrom your own advisors, including without limiting, your own legal, financial, taxation and accounting advisor. If you decide to enter into any transaction(s) orproduct(s) or process(s) shown here, you do so in reliance on your own judgement.

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DISCLAIMER

S t r i c t l y P r i v a t e & C o n f i d e n t i a l 2

INDEX

1. LOGIN & REGISTRATION

2. LOAN APPLICATION – LOANS TAB

3. LOAN APPLICATION – PROFILE TAB

4. BUSINESS PROFILE - LOAN APPLICATION VIEW

S t r i c t l y P r i v a t e & C o n f i d e n t i a l 3

LOGIN & REGISTRATION

SCREENWISE WALK THROUGH

S t r i c t l y P r i v a t e & C o n f i d e n t i a l 4

LOGIN

S t r i c t l y P r i v a t e & C o n f i d e n t i a l 5

The URL is: https://www.psbloansin59minutes.com/csc

This is the Landing Page. The CSC user can click on “Connect with Digital Seva” to proceed with the Login process.

CSC USER LOGIN

S t r i c t l y P r i v a t e & C o n f i d e n t i a l 6

The CSC user is required to enter the credentials i.e Username/E-mail ID and Password assigned to him/her for the Digital Seva Connect Portal.

LOGIN

S t r i c t l y P r i v a t e & C o n f i d e n t i a l 7

After logging on the Portal, the user will be re-directed to the Login/Registration page of PSBloansin59minutes platform.

If the CSC user is an existing user, he/she can directly login using the Unique Identification (UID) and password.

REGISTRATION PAGE

S t r i c t l y P r i v a t e & C o n f i d e n t i a l 8

For new CSC users, the users are first required to Register on the platform by entering Name, Email ID and Mobile Number.

The Email-ID and Mobile Number will be verified through OTP for authentication purpose.

SET PASSWORD

S t r i c t l y P r i v a t e & C o n f i d e n t i a l 9

The CSC User will be required to set a password. The same can be used for future login.

LANDING PAGE

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Post successful registration, the CSC user will directly land on the Profile Page.

The CSC user may either create a borrower’s profile first and then apply for a loan or may apply for a loan directly by clicking on “Loan”.

LOAN APPLICATION - LOANS TAB

SCREENWISE WALK THROUGH

S t r i c t l y P r i v a t e & C o n f i d e n t i a l 1 1

DETAILED PROCESS FLOW- LOAN TAB

S t r i c t l y P r i v a t e & C o n f i d e n t i a l 1 2

Landing Page

Loan Tab Loan Type Selection

Register on Pbloansin59minutes

PlatformSet Password

Create/Select Profile

Select Banking Partner

Select Branch Office

Enter PAN

Step 1

Step 2

Step 3

In-Principle Approval

MCQ/Consent Page

GST Verification/ No-GST Sales Details

Step 4 Email Verification

Upload/Manual Fill ITR

Upload/Verify Bank Statement

Key Person DetailsAssociate Concern

DetailsOne Form

Login on CSC Portal

LOAN APPLICATION

S t r i c t l y P r i v a t e & C o n f i d e n t i a l 1 3

From Loan Page, click on “Create New” to create a new loan application for a borrower.

Note: The CSC user needs to create separate profiles for each borrower on the platform.

LOAN SELECTION – MUDRA LOAN

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The loan products are bifurcated into two categories i.e. business loans and retail loans.

The CSC user may select loan requirement by clicking on ‘Apply Now’ mentioned below Mudra Loan.

PAN DETAILS

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The CSC user needs to enter PAN details of the Borrower to start the journey and the platform will fetch associated GST

registration(s) linked with the PAN.

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XXXXXXXXXXBUREAU REPORT

CONFIRMATION PAGE

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The CSC user needs to provide the confirmation to the various statements that are shown on the current page and

proceed.

CONSENT & UNDERTAKING

S t r i c t l y P r i v a t e & C o n f i d e n t i a l 1 7

A consent and undertaking pop-up window will appear. The CSC user needs to read the same and give consent by

ticking respective box to proceed to the Information Page.

INFORMATION UPLOAD SECTION

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This is Information page. The CSC user needs to provide details required under each section shown.

Go to GST Details page by clicking “Complete Details”.

GST DETAILS PAGE

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• For a GST registered borrower, the CSC user is required to verify GST registration(s) through OTP. OTP will be receivedon the borrower’s mobile number registered with GST.

• The CSC user may select from the already listed GST registration(s) or click on “Add Another GSTIN” to add GST details.

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GST DETAILS PAGE

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After OTP verification, GST details will be displayed on the screen.

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GST DETAILS PAGE

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For more than one GST registrations, follow the same process to verify other GST registration(s).

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SELECT PRIMARY GST ACCOUNT

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In case of multiple GST accounts, the CSC user would be required to select one account as its primary GST account.

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IN CASE OF NO GST REGISTRATION

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If the borrower is not registered with GST, then the CSC user has to declare reason for non-registration with GST for the Borrower.

NO GST – MANUAL FILL PAGE

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For Borrowers who are not registered with GST, CSC user will have an option to self-declare the business and sales

related details to procced the loan application.

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INFORMATION UPLOAD SECTION

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After proceeding from GST/Sales page, the CSC user can proceed to fill ITR details of the borrower by clicking on

“Complete Details”.

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INCOME TAX RETURN – UPLOAD PAGE

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At “Upload ITR” section, the CSC user can upload latest ITRs of the borrower for maximum of 3 years in XML/ PDF format.

Click on “Read Instructions” or “Watch Video” and follow the steps in order to download ITR in XML or PDF format.

Note: The Platform requires the Borrower to upload latest ITR for at least one year.

File Name File Name File Name

INCOME TAX RETURN - MANUAL FILL PAGE

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If the borrower is exempt from filing ITR, the CSC user may click on “Manually Fill Financial Details” to self-declare

personal and income details.

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INFORMATION UPLOAD SECTION

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Next, the CSC user can go to bank statements page to upload/verify the latest bank statement(s) of the Borrower.

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BANK ACCOUNT FETCH – POPUP

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A pop-up might appear showing auto fetched Bank Accounts from ITR.

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Bank Name

Bank Name

Bank Name

BANK STATEMENT - UPLOAD PAGE

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The CSC user may select from already listed Banks Accounts or may click on “Add Another Account” to add another

bank details of the borrower.

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Bank Name Bank Name Bank Name

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Bank Name

BANK STATEMENT - UPLOAD PAGE

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The CSC user needs to select ‘bank name’ and ‘account since’ details and then upload the latest 6 months bank statement in PDF format.

Note: The bank statement should be either downloaded from Net Banking Facility or as received in mail from the bank. Platform will not

accept scanned copies of the account statement.

File Name

Bank Name

File Name

File Name

BANK STATEMENT - UPLOAD PAGE

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Follow the same process, to upload more than one bank statement.

Note: Maximum 3 Bank statements can be uploaded.

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Bank Name Bank NameBank Name

xxxxx

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BANK STATEMENT - VERIFY ACCOUNT PAGE

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If the borrower does not have bank statement in PDF format, then the CSC user may click on “Verify Bank Account” to

manually provide bank details of the Borrower for verification.

INFORMATION UPLOAD SECTION

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The CSC user may now proceed to Key Person details Page. The CSC user will be able to proceed to Key Person Details

page only after providing details to the previous 3 sections i.e. GST, ITR and Bank Statement.

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KEY PERSON DETAILS PAGE

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The CSC user needs to provide business details and key person related details of the Borrower. Some of the details might be auto-filled. The CSC user needs to crosscheck the auto-filled and entered details before proceeding to the

next section.

Entity Name

KEY PERSON DETAILS PAGE

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The CSC user needs to Select Main Partner/ Director, as applicable, and provide additional details for the same.

RELATED PARTY DECLARATION

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A pop-up will appear to declare related parties, if any.

Customer Name

Customer Name

Customer Name

Supplier Name

Supplier Name

Supplier Name

INFORMATION UPLOAD SECTION

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Next, the CSC user can proceed to Associate Concern Details page by clicking on “Complete Details”.

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ASSOCIATE CONCERN DETAILS

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The CSC user can provide Associate Concern Details of the Borrower by clicking on “+Add Associate Concern”, if any.

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INFORMATION UPLOAD SECTION

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Next, go to One Form page.

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ONE FORM

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The CSC user needs to provide loan requirement details along with business related details of the Borrower.

ONE FORM

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The details of existing credit facilities/ loans as fetched from bureau will be mentioned on the page for confirmation.

Click on “+ Add Existing Loan Details” to manually add any additional credit/loan details that have not been fetched

from bureau.

Bank Name

Bank Name

INFORMATION UPLOAD SECTION

S t r i c t l y P r i v a t e & C o n f i d e n t i a l 4 3

After providing all the details at the Information Page, the CSC user may click on “Apply for Loan”.

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EMAIL VERIFICATION

S t r i c t l y P r i v a t e & C o n f i d e n t i a l 4 4

If the borrower’s loan proposal got matched with any of the lender products on the platform, then a pop-up window

will appear for email address verification. Enter the OTP received on the registered email address of the CSC user in

order to verify.

MATCHES PAGE

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The CSC user would be able to view all the lender products that have been matched with the loan proposal.

FILTERS

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Various filters have been provided to refine the search.

Bank Name

Bank Name

Bank Name

MATCHES PAGE

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The CSC user needs to compare and then select a preferable lender (product) suiting the borrower’s requirements.

BRANCH SELECTION

S t r i c t l y P r i v a t e & C o n f i d e n t i a l 4 8

Now, the CSC user is required to select the lender state, city and branch where the borrower wants to forward his/ her

proposal for further processing.

Bank Name

Bank Name

Bank Name

Bank Name

Bank Name

Bank Name

Branch Address

Branch Address

Branch Address

Branch Address

Branch AddressIFSC Code

IFSC Code

IFSC Code

IFSC Code

IFSC Code

IFSC Code

State Name City Name

IN-PRINCIPLE APPROVAL

S t r i c t l y P r i v a t e & C o n f i d e n t i a l 4 9

The Borrower will be afforded an In-principle approval letter by the preferred lender.

A copy of the letter will be mailed to both the CSC user and the preferred lender. The CSC user can communicate these details to the borrower.

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Bank Name

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OFFLINE APPLICATIONS

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In case the borrower is ineligible for a contactless journey after providing all the required details, the CSC user will have

an option to forward the proposal for manual processing by selecting the Lender, State, City and Branch.

Bank Name

Bank NameBranch Address

Branch Address

Bank Name State Name City Name

LOAN APPLICATION - PROFILE TAB

SCREENWISE WALK THROUGH

S t r i c t l y P r i v a t e & C o n f i d e n t i a l 5 1

DETAILED PROCESS FLOW- PROFILE TAB

S t r i c t l y P r i v a t e & C o n f i d e n t i a l 5 2

Landing Page

Profile TabEnter Entity Name

& PAN

Register on PSB Platform

Set Password

Create Profile (Business)

Select Banking Partner

Select Branch Office

Verify GST/ No-GST Sales Details

Step 1

Step 2

Step 3

In-principle Approval

Upload/Manual Fill ITR

Apply for Loan

Step 4 Email Verification

Select Loan Type(Mudra)

Consent Page Key Person Details One Form

Upload/ Verify Bank Statement

Associate Concern Details

Login on the CSC portal

CREATE PROFILE

S t r i c t l y P r i v a t e & C o n f i d e n t i a l 5 3

The CSC user also has been provided with an option to create a borrower’s profile first and then apply for a loan.

Note: The CSC user needs to create separate profiles for each borrower on the platform.

PROFILE - BUSINESS

S t r i c t l y P r i v a t e & C o n f i d e n t i a l 5 4

For this, the CSC user needs to create a Business Profile to apply for Mudra Loan.

PROFILE CREATION - BUSINESS

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The CSC user needs to enter Profile name and PAN number for verification.

PROFILE CREATION- BUSINESS

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After creating profile, the CSC user needs to provide details required under each section shown to complete the profile.

PROFILE CREATION- BUSINESS

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After successfully providing all the details of the Borrower, the CSC user may click on ‘Apply for Loan’ to view loan

options.

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LOAN SELECTION – MUDRA LOAN

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As the CSC user has created Business Profile, he/she can apply for Mudra Loan.

CONSENT POPUP

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A consent and undertaking pop-up window will appear. The CSC user needs to read the same and give consent by

ticking respective box to proceed to the Information Page.

BUSINESS PROFILE – INFORMATION UPLOAD SECTION

S t r i c t l y P r i v a t e & C o n f i d e n t i a l 6 0

• From here, the process remains the same like Direct Loan Application. The CSC user can proceed to fill Key Person Details, Associate Concern Details and One Form

Details.

• After providing all the details at the Information Page, the CSC user may click on “Apply for Loan”.

• If the borrower’s proposal got matched with any of the lender products, the CSC user will be required to verify e-mail address through OTP verification.

• Post which, the CSC user can select Lender and Branch to forward the loan proposal and receive In-principle Approval Letter.

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BUSINESS PROFILE - LOAN APPLICATION VIEW

SCREENWISE WALK THROUGH

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BUSINESS LOAN APPLICATION – PROFILE CREATION

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If the CSC user has directly applied for any of the business loans, then borrower’s business profile gets created

automatically.

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BUSINESS PROFILE – EXISTING & NEW LOAN APPLICATION

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Click on the created Profile to view details of on-going and completed loan applications. In future, the existing business

profile may be used to apply for next business loan requirements of the same borrower.

Entity NameEntity Name

xxxxx

Bank Name

Bank Name- Bank specific

Bank Name

xxxxx

BUSINESS PROFILE – COMPLETE LOAN APPLICATION

S t r i c t l y P r i v a t e & C o n f i d e n t i a l 6 4

The CSC user can click on “Complete Application” from any On-going application to complete the loan application

process of a particular borrower.

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Bank Name

Bank Name

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Mail us at :

Borrower Journey Queries: support@psbloansin59minutes.com

Banker Journey Queries: banksupport@psbloansin59minutes.com

Customer Helpline No: 079-41055999

THANK YOU