BFSI Calculators & Interactive Tools

20+ Years of BFSI Depth | Loan Facilitation, Insurance Advisory & Knowledge Desk
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Shreyas Integrated Services Private Limited
+91 70129 97360business_shreyasispl@outlook.comThiruvananthapuram, Kerala| Guest Visitor
Slide 15: Deep Dive — Pre-Login Credit & Hygiene Audit

Loan FOIR & Banking Health Audit

Auditing applicant Fixed Obligation to Income Ratio (FOIR) before login to prevent hard inquiry rejections and credit score erosion.

Applicant Cash-Flow Assessment

Total Projected FOIR
45.2%

Lenders cap FOIR at 50% to 65% depending on salaried employer categorization.

Proposed New Loan EMI ₹ 30,712
Total Monthly Obligations ₹ 55,712
Surplus Disposable Income ₹ 69,288
Prime Approval Zone! Fits Tier-1 bank underwriting comfortably without co-applicant requirements.
Slide 06: Health/General Insurance — Advisory & Market Negotiation

Health Insurance Need & Gap Assessment

1. Risk Assessment & Advisory: Needs analysis — evaluating an individual's or business's risk profile to determine exact requirements; Gap analysis — reviewing existing policies for underinsurance, overlaps, or unaddressed exposures.

Risk Profile & Family Medical Exposure

Recommended Optimal Coverage

Based on tertiary care costs, 12–14% annual medical inflation, and room-rent risk safeguards.

Primary Base Cover (No Room Sub-limit) ₹ 10,00,000
Super Top-Up Buffer (Low-Cost Deductible) ₹ 15,00,000
Less: Current Effective Cover - ₹ 5,00,000
Net Uninsured Protection Shortfall ₹ 20,00,000
Significant medical shortfall. A tertiary procedure could cause financial strain.
Slide 03: Life Insurance — Advisory & Placement

Human Life Value (HLV) & Gap Assessment

1. Pre-Purchase & Advisory Services: Human Life Value (HLV) & gap assessment based on income, liabilities, dependents' goals & inflation; Rider customization to prevent duplicate cover.

Income Replacement & Family Dependency

Calculated Economic HLV
₹ 2,47,50,000

Present value of future dependent support discounted over active earning horizon.

Family Income Replacement PV ₹ 2,07,50,000
Outstanding Debt Obligations ₹ 40,00,000
Less: Existing Cover & Assets - ₹ 50,00,000
Net Uninsured Protection Gap ₹ 1,97,50,000
Your dependents face an economic shortfall in case of premature loss of life.
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