This topic provides the systematic instructions to capture the financial details of a single customer or multiple customers.

1. Click Next in previous data segment to proceed with the next data segment, after successfully capturing the data.
   The Financial Details screen displays.

   Figure 2-10 Financial Details - Individual

   
   

   
   Description of "Figure 2-10 Financial Details - Individual "

   
   
2. Specify the details based on the addition. For more information on fields, refer to the field description table below.

   Table 2-10 Financial Details: Individual – Field Description

   Field	Description
   <Applicant Name>	Displays the applicant name as captured in the Applicant data segment.
   Income and Expenses In this tab you can capture the income and expenses of the applicant. In case on exsiting applicant you can view already added income and expense in tabular format. Click Add Income or Add Expenses button to add respective records.
   Income Type	Select the type of income to specify the amount. Salary Agriculture Business Investment Income Interest Amount Pension Bonus Rentals Cash Gifts Other Income The options in the list appears based on the entity code configuration
   Expenses Type	Select the type of expenses to specify the amount. Household Medical Education Vehicle Fuel Rentals Other Expenses Loan Payments Utility Payments Insurance Payments The options in the list appears based on the entity code configuration.
   Frequency	Select the frequency for the selected income type. The available options are: Daily Weekly Bi-Weekly Monthly Qauterly Half-Yearly Yearly
   Currency	Select the currency of the selected type. The currencies that are paired with product appears for selection.
   Amount	Specify the amount for the selected type.
   Monthly Amount (<Account Currency>)	Displays the monthly amount of the selected type. The system evaluates and converts the amount which is entered in the Amount field with the Currency which is selected in the Account Details data segment.
   Action	Select the action to perform on added record. Figure 2-11 Edit - Click to edit the record. Figure 2-12 Delete - Click to delete the record.
   Total Income	Displays the total income of all the added income type along with the selected account currency.
   Total Expenses	Displays the total expenses of all the added expenses type along with the selected account currency.
   Net Monthly Income	Displays the total monthly income over expenses. This amount is calculated as Net Monthly Income = Total Income -Total Expense
   Asset and Liabilities In this tab you can capture the income and expenses of the applicant. In case on exsiting applicant you can view already added income and expense in tabular format. Click Add Asset or Add Liablities button to add respective records.
   Liabilities	Select the type of liability to specify the amount. Property Loan Vehicle Loans Personal Loans Credit Card outstanding Overdrafts Other Liability Home Loan Education Loan The fields appears in this sections are based on the configuration.
   Asset	Select the type of asset to specify the amount. House Deposit Vehicle Other The fields appears in this sections are based on the configuration.
   Currency	Select the currency of the selected type. The currencies that are paired with product appears for selection.
   Amount	Specify the amount for the selected type.
   Amount (<Account Currency>)	Displays the monthly amount of the selected type. The system evaluates and converts the amount which is entered in the Amount field with the Currency which is selected in the Account Details data segment.
   Action	Select the action to perform on added record. Figure 2-13 Edit - Click to edit the record. Figure 2-14 Delete - Click to delete the record.
   Total Asset	Displays the total asset of all the added asset type along with the selected account currency.
   Total Liability	Displays the total liability of all the added liability type along with the selected account currency.

Financial Details - SMB

3. Click Add Financial Ratios to update the profit and financial ratios of the business. The user will have the option to capture the relevant data for various financial years.

   The Profit and Financial Ratios screen displays

   Figure 2-16 Profit and Financial Ratios

   
   

   
   Description of "Figure 2-16 Profit and Financial Ratios"

   
   
4. Specify the details in the relevant data fields. For more information on fields, refer to the field description table below.

   Table 2-11 Financial Details: SMB – Field Description

   Field	Description
   <Applicant Name along with Role of applicant>	Displays the applicant name along with applicant role as captured in the Customer Information data segment.
   Total Income	Displays the total income and the currency of the applicant.
   Total Expenses	Displays the total expenses and the currency of the applicant.
   Financial Details	In this section you can capture the financial details of SMB type of customer.
   Monthly Income	Specify the amount for any of the applicable monthly expenses in the below fields. Salary Agriculture Business Investment Income Interest Amount Pension Bonus Rentals Cash Gifts Other Income Total gets calculated automatically. The fields appears in this sections are based on the configuration.
   Monthly Expenses	Specify the amount for any of the applicable monthly expenses in the below fields. Household Medical Education Vehicle Fuel Rentals Other Expenses Loan Payments Utility Payments Insurance Payments Credit Card Payments Total gets calculated automatically. The fields appears in this sections are based on the configuration.
   Net Income	System automatically displays the total income over expenses.
   Liabilities	Specify the amount for any of the applicable liabilities in the below fields. Property Loan Vehicle Loans Personal Loans Credit Card outstanding Overdrafts Other Liability Home Loan Education Loan Total gets calculated automatically. The fields appears in this sections are based on the configuration.
   Asset	Specify the amount for any of the applicable asset type in the below fields. House Deposit Vehicle Other Total gets calculated automatically. The fields appears in this sections are based on the configuration.
   Profit and Financial Ratios	This field appears only if the Customer Type is selected as Small and Medium Business (SMB).
   Financial Year	Select the Financial Year from the dropdown list.
   Currency	Click Search icon and select the currency from the available list.
   Balance Sheet Size	Specify the balance sheet size.
   Operating Profit	Specify the operating profit of the business.
   Net Profit	Specify the net profit of the business.
   Year Over Year Growth	Specify the growth of the business year on year.
   Return On Investment	Specify the return on investments.
   Return On Equity	Specify the return on equity.
   Return On Asset	Specify the return on asset.

5. Click Next. The system validates the date specified in Last Update On with Financial Details Validity Period and, if date specified in Last Update On exceeds the date specified in Financial Details Validity Period at Business Product Preferences configurations, the system displays the following error message:
6. Click Yes to reatin the existing financial details and proceed with the next data segment.
   OR
   Click No to edit financial details and proceed.

• Parent / Guardian Financial Details
  This topic describes systematic instructions to configure parent or guardian financial details.