₹"; ?>
"; echo "

"; echo "

PERSONAL DISCUSSION REPORT

"; echo "for the case of"; echo "

".$main_applicant_name."

"; echo "

"; echo "

"; ?> '; echo ''; echo ''; echo ''; echo ''; echo ''; echo ''; ?> Loan Amount Applied For :

"; //echo '

PD Initiated Date	:	'.$pd_master_details[0]['createdon'].'
PD Visit Date	:	'.$pd_master_details[0]['pd_visit_date'].'
PD Report Date	:	'.$pd_master_details[0]['pd_report_generated_date'].'
PD Initiated by	:	'.$pd_master_details[0]['branch_name'].' Branch
Loan Application ID	:	'.$pd_master_details[0]['lender_applicant_id'].'
Product	:	'.$pd_master_details[0]['product_name'].'
Customer Segment	:	'.(explode('-',$pd_master_details[0]['customer_segment_name'])[0]).'

echo ''; echo '

Loan Amount (As Per PD Initiation)	:	₹' .' '. MYUTIL::customIndianNumberFormat($pd_master_details[0]['loan_amount']). ' ('. MYUTIL::numtowords($pd_master_details[0]['loan_amount']) .')
Loan Amount (As Per Loan Applicants during PD)	:	₹' .' '. MYUTIL::customIndianNumberFormat($loan_form['loan_amount']). ' ('. MYUTIL::numtowords($loan_form['loan_amount']) .')

'; //echo "

"; echo "

"; echo "

"; echo "

"; echo "

"; echo "

"; echo "

"; $header_lender_disclaimer = MYUTIL::dispatchDisclaimer($lender_disclaimer,1); if(isset($header_lender_disclaimer['disclaimer']) && $header_lender_disclaimer['disclaimer'] != '' && $header_lender_disclaimer['type'] == 1) { echo '

Disclaimer: '. $header_lender_disclaimer['disclaimer'] .'

'; } echo '

Registered / Corporate Office: SineEdge Consulting Private Limited. A-211, Pioneer Urban Square, Golf Course Extension Road, Sector 62, Gurgaon, Haryana - 122002

'; ?> $individual) { if($individual['is_person_met'] == true) { //array_push($person_met_images); $temp_person_met = array(); $applicant_name = $individual['applicant_name']; //echo '
'.$individual['applicant_title_name_master'] .' '. $applicant_name.'
' ; $temp_person_met['name'] = $individual['applicant_title_name_master'] .' '. $applicant_name; $temp_person_met['photo'] = ''; $temp_person_met['id_proof'] = ''; $temp_person_met['face_compare'] = ''; foreach($pd_images[18] as $pm_Key => $pm_value) { if( !strcasecmp(trim($applicant_name),trim($pm_value['pd_document_title'])) ) { $temp_person_met['photo'] = $pm_value['doc_url'] ; } $id = trim($applicant_name).'-id_proof'; if(!strcasecmp($id,trim($pm_value['pd_document_title']))) { $temp_person_met['id_proof'] = $pm_value['doc_url'] ; } } foreach($pd_images['common_images'] as $com_key => $com_value) { if($com_value['image_key'] == 'face_mark' && $com_value['co_applicant_id'] == $individual['pd_co_applicant_id']){ $temp_person_met['face_compare'] = $com_value['doc_url'] ; } } $company_relationship_data = null; foreach($general_form['company_with_relationships'] as $company_with_relationship) { if($individual['pd_co_applicant_id'] == $company_with_relationship['applicant_name']) { //FInd Company Name from JSON $company_relationship_data .= $company_with_relationship['company_relationship_master'].' '.$company_with_relationship['company_name']; //$company_relationship_data.='
and
'; $company_relationship_data.=', '; } } //$temp_person_met['name'] = //print_r($general_form['persons_with_relationships']); $personal_relationship_data = null; foreach($general_form['persons_with_relationships'] as $persons_with_relationship) { if($individual['pd_co_applicant_id'] == $persons_with_relationship['pd_co_applicant_id'] && isset($persons_with_relationship['relationship'])) { if(isset($persons_with_relationship['relation_to_master'])) { //? $persons_with_relationship['relation_to_master'] : " Could Not Find"; $RSNA = $persons_with_relationship['relation_to_master']; if(isset($persons_with_relationship['relationship_master'])) { $personal_relationship_data .= $persons_with_relationship['relationship_master'] .' Of '. $RSNA; //$personal_relationship_data.='
and
'; $personal_relationship_data.=', '; } } } } $company_relationship_data .= $personal_relationship_data; $temp_person_met['relations'] = $company_relationship_data; array_push($person_met_data,$temp_person_met); } } echo '

'; if(count($person_met_data)) { echo '

Person(s) Met:

'; //echo '

'; foreach($person_met_data as $pk => $person) { $display_for_person_met =$person['relations'] != "" ? substr_replace($person['relations'],'.',strrpos($person['relations'],','),1) : ''; $person_met_details = $person['name']; $person_met_details .= ($display_for_person_met != "" ? ' - ' . $display_for_person_met :''); echo '

'.$person_met_details.'

'; //if($display_for_person_met != "" || $display_for_person_met != null){ echo '

'; //} // if($person['photo']) // { // echo '

'; // } // echo ' '; // if($person['id_proof']) // { // echo '

'; // } //echo count($person_met_data) != ($pk+1)? '

':''; } //echo '

'; } $faceimage_url = array(); for ($i = 0; $i < count($all_applicant_details); $i++) { if($all_applicant_details[$j]['facemark_image_generated'] == 1){ $faceimage_url = $com_value['doc_url']; break; } } if(!empty($faceimage_url)){ for ($i = 0; $i < count($faceimage_url); $i++) { echo ' '; echo '

'; } } ?> Face Comparison" ; $notequal_mark ='≠'; $equal_mark ='='; for ($i = 0; $i < count($ci); $i++) { $similarity = round($ci[$i]["Similarity"]); $symbol = ($similarity > 50) ? '

'.$equal_mark.'

': '

'.$notequal_mark.'

'; if ($similarity > 80) { // above 81 green $progress_bar_class = 'rcorners_green'; } else if ($similarity <= 80 && $similarity > 60) { // in between 61 to 80 orange $progress_bar_class = 'rcorners_amber'; } else if ($similarity <= 60) { // below 60 red $progress_bar_class = 'rcorners_red'; } echo '

'.$symbol.'

'; echo'

Similarity '.$similarity.' %

'; echo '

'; } // ########################### End of Percentage Bar Section ######################################### } } ?>

Loan Applicants:

$individual) { if($individual['is_applicant'] == true) { $education_qualification = $individual['qualification_master']; $education_qualification = $individual['course_name'] != "" || $individual['course_name'] != null ? $education_qualification.'
('.$individual['course_name'].')' : $education_qualification; $applicant_name = array_key_exists('pd_co_applicant_id_master',$individual) ? $individual['pd_co_applicant_id_master'] : " Could Not Find" ; //echo $applicant_name.'**************************'; $title = isset($individual['applicant_title_name_master']) && $individual['applicant_title_name_master'] != "" ? $individual['applicant_title_name_master'] : ''; $kyc_data = ''; if($ind_key == 0 && array_key_exists('is_kyc', $general_form) && $general_form['is_kyc'] == 'no') { $kyc_data = "

Name noticed as per KYC is ". $general_form['kyc_and_captur_the_name']; } echo '"; } } if(isset($general_form['companies']) && count($general_form['companies'])) { $business_entity_type_master = array(1 => 'Others', 2 => 'Public Ltd Company', 3 => 'Sole proprietorship', 4 => 'HUF (Hindu Undivided Family)', 5 => 'Partnership',6 => 'Cooperative',7 => 'Limited Liability Partnership(LLP)',8 => 'OPC (One Person Company)',9 => 'Society',10 => 'Trust',11 => 'Private Limited Company'); foreach ($general_form['companies'] as $comp_key => $ind_company) { if($ind_company['is_company_applicant'] != null) { echo ''; } } } ?>

Name	Age (Yrs/Mns)	Qualification / Type of Entity	Relationships
'.$title.' '.$applicant_name.$kyc_data.'	'.$individual['age'].'	'.$education_qualification.'	'; $company_relationship_data = null; //print_r($general_form['company_with_relationships']); foreach($general_form['company_with_relationships'] as $company_with_relationship) { //print_r($company_with_relationship); if($individual['pd_co_applicant_id'] == $company_with_relationship['applicant_name']) { //FInd Company Name from JSON //echo "ONCE"; $company_relationship_data = ($company_with_relationship['company_relationship_master'] .' '.$company_with_relationship['company_name']); $company_relationship_data.=' and '; } } $personal_relationship_data = null; foreach($general_form['persons_with_relationships'] as $persons_with_relationship) { if(($individual['pd_co_applicant_id'] == $persons_with_relationship['pd_co_applicant_id'] \|\| !strcasecmp($applicant_name,$persons_with_relationship['applicant_name']))&& isset($persons_with_relationship['relationship'])) { if( isset($persons_with_relationship['relation_to_master'])) { $RSNA = $persons_with_relationship['relation_to_master']; if(isset($persons_with_relationship['relationship_master'])) { $personal_relationship_data .= $persons_with_relationship['relationship_master'] .' of '. $RSNA; $personal_relationship_data.=' and '; } } } } $company_relationship_data .= $personal_relationship_data; echo substr_replace($company_relationship_data, '', strrpos($company_relationship_data, ' and '),strlen($company_relationship_data)); echo "
'. $ind_company['company_name'] .'	'. $ind_company['business_years']. (isset($ind_company['business_month']) ? ' . ' . $ind_company['business_month']: null) .'	'. ( $ind_company['business_entity_type'] == 1 ? $ind_company['business_entity_type_other'] : $business_entity_type_master[ $ind_company['business_entity_type'] ] ).'	Not Applicable

'.$general_form['general_remark'].'

'; } ?> 'well suited','fairly_suited' => 'fairly suited','not_suited' => 'not suited'); //$business_assets_details = json_decode($pd_processed_forms[22][0]['processed_json'],true); //print_r($business_assets_details);die(); // $address_images = $pd_images[5]; // //print_r($address_images);die(); // $pd_location_approach_img_url = ''; // $pd_location_approach_img_location = ''; // $pd_location_approach_img_date = ''; // foreach ($address_images as $address_image_key => $address_image_value) { // if($address_image_value['is_show_report'] == 1) // { // $pd_location_approach_img_url = isset($address_image_value['doc_url']) ? $address_image_value['doc_url']: ''; // //$pd_location_approach_img_location = $address_image_value['location']; // //$pd_location_approach_img_date = date('Y/m/d h:s:i A',$address_image_value['createdon']); // break; // } // } // $name_board_seen_img_url = ''; //echo $name_board_seen_img_url;die(); //print_r($address_images);die(); ?>

PD LOCATION

Address at which PD was initiated: '.$pd_address['address'].', '.$pd_address['city_master'].', '.$pd_address['state_master'].' - '.$pincode.'.'; echo '
Address at which PD Visit actually done: '.$pd_alternative_address['alternative_address'].', '.$pd_alternative_address['city_master'].', '.$pd_alternative_address['state_master'].' - '.$alter_native_pincode.'.'; echo '
Reason for change in PD address:'.$pd_alternative_address['reason_for_alternative_address']; } else { echo 'PD Location Address : '.$pd_address['address'].', '.$pd_address['city_master'].', '.$pd_address['state_master'].' - '.$pincode.'.'; } if(!empty($distances['distance'])){ echo '

Distance to PD location : '.$distances['distance']; } echo '

GPS Coordinates of location where PD Visit was done : '.$pd_master_details[0]['start_location']; echo '

'; ?> $com_value) { // if($com_value['image_key'] == 'face_mark'){ array_push($faceimage_url,$com_value['doc_url']);} if($com_value['pd_document_title'] == 'satellite') { $satellite_url = $com_value['doc_url']; unset($pd_images['common_images'][$com_key]); break; } } } ?> Satellite Image of location of Where PD was Done

Location Summary

'; echo 'The PD visit was done at of the loan applicants. '; //echo 'The is and the business has been in operation from here for the last .'; echo '

The is located in '; echo '

The PD location was . ' . 'As Per PD Officer, the is situated in Locality.'; // echo '

The PD officer also made the following observations:' ; // echo '

The location of the '.$address_type.'Address Form - Type of Address is '.$address_type_remarks_caption [ $final_remark_data['is_service_provided'] ].'Final Remarks Form - The location of the busienss suitability for Business to the nature of business.
'.$final_remark_data['appx_outlet_or_stores'].' Units with similar business were sighted in the locality
PD officer did not observe any similar business units in the locality.
'.$final_remark_data['comment_of_demolition_activity'] .'

No demolition activity was observed in the locality.
'.$final_remark_data['comment_of_sealing_activity'] .'

No sealing activity was observed in the locality.
Heavy Footfall ( Lots of customer in the locality / market place )
Medium Footfall ( Meduim no of customer in the locality / market place )
LOw Footfall ( Few customer in the locality / market place )

"; if($address_form['address_form_remark']) { echo '
';} echo "

"; // echo "

"; //die(); // ?>

LOAN DETAILS:

During the PD visit, person met provide the following information about loan applied for:'; $is_current_product_bl = $pd_master_details[0]['prod_catagory'] == "BL" ? true: false; $is_current_product_lab = $pd_master_details[0]['prod_catagory'] == "LAP" ? true: false; $is_current_product_laep = $pd_master_details[0]['prod_catagory'] == "LAEP" ? true: false; // echo $pd_master_details[0]['product_abbr']; // die(); $loan_table_dispaly_rows = array(); $loan_table_dispaly_rows[] = array('particulars' => 'Total Loan Amount applied for','details' => "₹"." ".$loan_amount.' ('.MYUTIL::numtowords($loan_form['loan_amount']).')'); if($is_current_product_bl || $is_current_product_laep) { $to_dispaly = !strcasecmp($loan_form['is_there_total_fund'], 'yes disclose') ? ('Disclosed '."₹"." ".MYUTIL::customIndianNumberFormat($loan_form['fund_amt']).' ('.MYUTIL::numtowords($loan_form['fund_amt']).')'):'Not Disclosed'; $loan_table_dispaly_rows[] = array('particulars' => 'Total Fund Requirement','details' => $to_dispaly); } $loan_table_dispaly_rows[] = array('particulars' => 'Loan Tenure expected','details' => $loan_form['loan_tenure'] != "" ? $loan_form['loan_tenure'].' Months' : 'Not provided'); $end_use = ''; $to_remove_for = false; foreach($loan_form['end_use_master'] as $enduse) { if(strpos(strval($enduse), 'Others') === false) { $end_use.= $enduse.' and ';} else { $to_remove_for = true; $end_use.=$loan_form['end_use_other'].' and'; } } $end_use = substr_replace($end_use, '', strrpos($end_use, 'and'),strlen($end_use)); //echo substr($end_use,0,3); if(strcasecmp(substr($end_use,0,3),'for')) { if(!(count($loan_form['end_use_master']) == 1 && $to_remove_for)) { $end_use = 'For '.$end_use; } } $loan_table_dispaly_rows[] = array('particulars' => 'Loan Purpose','details' => $end_use); if(strcasecmp($loan_form['is_transfer'],'no')) { $loan_table_dispaly_rows[] = array('particulars' => 'Balance Transfer Amount','details' => "₹"." ".MYUTIL::customIndianNumberFormat($loan_form['balance_transfer_amount']).' ('.MYUTIL::numtowords($loan_form['balance_transfer_amount']).')'); $loan_table_dispaly_rows[] = array('particulars' => 'Top Up Amount applied for','details' => "₹"." ".MYUTIL::customIndianNumberFormat($loan_form['topup_amount']).($loan_form['topup_amount'] ? (' ('.MYUTIL::numtowords($loan_form['topup_amount']).')') : '') ); if($loan_form['end_use_topup_master']) { $loan_table_dispaly_rows[] = array('particulars' => 'End Use of Topup','details' => ( strcasecmp('others',$loan_form['end_use_topup_master'])) ? $loan_form['end_use_topup_master'] : $loan_form['other_end_use_topup'] ); } $loan_table_dispaly_rows[] = array('particulars' => 'Balance Transfer from','details' => $loan_form['lender'] == 1 ? $loan_form['other_bt_lender']: $loan_form['lender_master']); } else{ //echo 'sdn-'.((!$is_current_product_bl) && !$is_current_product_lab); die(); if((!$is_current_product_bl) && !$is_current_product_lab && !$is_current_product_laep) { $loan_table_dispaly_rows[] = array('particulars' => 'Amount of Own Contribution','details' =>"₹"." ".MYUTIL::customIndianNumberFormat($loan_form['own_contribution']).' ('.MYUTIL::numtowords($loan_form['own_contribution']).')' ); $source_of_own_contribution = ''; foreach($loan_form['source_of_own_contribution_master'] as $own_source) { if(!strcasecmp($own_source, 'others')) { $source_of_own_contribution.=$loan_form['other_source'].' and ';}else{ $source_of_own_contribution.= $own_source.' and '; } } $source_of_own_contribution = substr_replace($source_of_own_contribution, '', strrpos($source_of_own_contribution, ' and '),strlen($source_of_own_contribution)); $loan_table_dispaly_rows[] = array('particulars' => 'Source of Own Contribution','details' => $source_of_own_contribution); } } $loan_table_dispaly_rows[] = array('particulars' => 'EMI Comfortable Paying','details' => $rupee_symbol." ".MYUTIL::customIndianNumberFormat($loan_form['emi_level']).' ('.MYUTIL::numtowords($loan_form['emi_level']).')' ); if(!$is_current_product_bl && !$is_current_product_laep) { if(isset($loan_form['property_type_master']) && $loan_form['property_type_master'] != "") { $loan_table_dispaly_rows[] = array('particulars' => 'Type of Property Being Mortgaged','details' => substr_count($loan_form['property_type_master'],'Others') ? $loan_form['property_type_others'] : $loan_form['property_type_master']); $owners_list = null;foreach($loan_form['owners_list_master'] as $owner){ $owners_list.=$owner.' and '; } $owners_list = substr_replace($owners_list, '', strrpos($owners_list, 'and'),strlen($owners_list)); if($owners_list == '') { if(isset($loan_form['owner_name_group'][0]['owner_name'])) { $owners_list = $loan_form['owner_name_group'][0]['owner_name']['name']; } } $loan_table_dispaly_rows[] = array('particulars' => 'Name of the current / proposed owner(s) of the Property being Mortgaged','details' => $owners_list); $loan_table_dispaly_rows[] = array('particulars' => 'Status of Construction','details' => $loan_form['construction_status_master']); $loan_table_dispaly_rows[] = array('particulars' => 'Estimated Market Value of the property being mortgaged','details' => ($loan_form['emv_per_customer'] != "" ? $rupee_symbol." ".MYUTIL::customIndianNumberFormat($loan_form['emv_per_customer']).' ('.MYUTIL::numtowords($loan_form['emv_per_customer']).')' : 'Not Provided')); } } if(isset($loan_form['property_seller']) && $loan_form['property_seller'] != '') { $loan_table_dispaly_rows[] = array('particulars' => 'Current Owner/Seller of the property','details' => $loan_form['property_seller'] ); } if(isset($loan_form['address']) && $loan_form['address'] != '') { $address_of_owner_seller_property = $loan_form['address'] . (isset($loan_form['city_master']) ? ', '.$loan_form['city_master'] : '') . (isset($loan_form['state_master']) ? ', '.$loan_form['state_master'] : '') . (isset($loan_form['pincode_master']) ? ', '.$loan_form['pincode_master'] : ''); $loan_table_dispaly_rows[] = array('particulars' => 'Address of the property','details' => $address_of_owner_seller_property ); } //print_r($loan_table_dispaly_rows); ?>

$row) { echo '"; } ?>

S.No	Loan Particulars	Loan Particular Details
'.($row_key + 1)."	".$row['particulars']."	".$row['details'] ."

".$loan_form['loandetails_remarks']; ?> 'both bank and cash','bank_transfer' => 'bank transfer','paid_in_cash' => 'cash'); if(isset($pd_processed_forms[12])) { $employeement_data = json_decode($pd_processed_forms[12][0]['processed_json'],true); } //print_r($employeement_data); die(); if(count($employeement_data)) { echo "

Employment Information

" ; if(isset($employeement_data['photo_id_card'])){ if ($employeement_data['photo_id_card'] == 'Not Provided'){ echo "

Person met/contacted has not provided ID Card

";} else if($employeement_data['photo_id_card'] == 'Others'){ echo "

Person met/contacted provided ".$employeement_data['photo_id_others']." as ID Card.

"; } else{echo "

Person met/contacted provided ".$employeement_data['photo_id_card']." as ID Card.

"; } } echo "

Employer Name : ". explode('-', $employeement_data['employer_name'])[1] ."

" ; echo "

Company Profile : ". $employeement_data['employer_in_brief'] ."

" ; echo "

The applicant has served ". $employeement_data['how_long_year'] ." Years ".($employeement_data['how_long_month'] ? ' and '.$employeement_data['how_long_month'].' months' : '' )." as employee in this firm / company. " ; echo "Applicant has total work experience of ". $employeement_data['total_business_experience']." years.

"; echo $employeement_data['total_business_previous_experience'] ? ("

Previously, applicant ".$employeement_data['total_business_previous_experience']) : ''; echo $employeement_data['was_met'] == 'no'? "

No one was met at the visited premises who could confirm the employment details of loan applicant.

":"

During PD visit, ".$employeement_data['name_person_met'].' ( '. ($employeement_data['others_person_met'] ? $employeement_data['others_person_met'] : $employeement_data['designation_person_met_master']) .' ) was met at the visited premises.'; echo ($employeement_data['confirm_salary'] == 'no'? '

Salary amount was not confirmed because '.$employeement_data['sal_amount_was_not_confirmed'].'

' : '

Salary amount confirmed by person met is '.$rupee_symbol.' '.MYUTIL::customIndianNumberFormat($employeement_data['confirm_salary_amount']).'.

'); echo $employeement_data['attendance_seen'] == 'no' ? "

Attendance Register was not seen during visit.

": "

Attendance register was seen during visit.

"; echo $employeement_data['sal_reg_seen'] == 'no' ? "

Salary register was not seen during visit.

": "

Salary register was seen during visit.

"; echo "

Salary paid to the applicant between ".MYUTIL::addOrdinalNumberSuffix($employeement_data['from_date_the_salary_is_rcv']) ." and ".MYUTIL::addOrdinalNumberSuffix($employeement_data['to_date_the_salary_is_rcv']). " of every month via ".$salary_mode_text [ $employeement_data['mode_of_getting_salary'] ]."

"; if((isset($employeement_data['amount_paid_in_cash']) && $employeement_data['amount_paid_in_cash']) && (isset($employeement_data['amount_paid_through_bank']) && $employeement_data['amount_paid_through_bank'])) { echo $rupee_symbol.' '.$employeement_data['amount_paid_in_cash']." paid as cash and ".$rupee_symbol.' '.$employeement_data['amount_paid_through_bank']." as bank transfer"; } // else if(isset($employeement_data['amount_paid_in_cash']) && $employeement_data['amount_paid_in_cash']) // { // echo "entire salary is paid as cash."; // } // else if(isset($employeement_data['amount_paid_through_bank']) && $employeement_data['amount_paid_through_bank']) // { // echo "entire salary is paid as bank transfer."; // } echo "

Applicant gets monthly gross salary of ". $rupee_symbol." ". MYUTIL::customIndianNumberFormat($employeement_data['gross_monthly_salary'])." and net monthly salary of ".$rupee_symbol." ". MYUTIL::customIndianNumberFormat($employeement_data['net_monthly_salary'])."

"; echo $employeement_data['check_validated'] == "not validated" ? "

The salary amount was not validated during visit because ".$employeement_data['why_was_it_not_validated']."

": "

The salary amount was validated during visit ".$employeement_data['how_was_it_validated']."

"; echo $employeement_data['any_delays'] == 'yes' ? '

As per person met, sometimes there is delay in salary payment.

' : '

Generally, there is no delay in salary payment.

'; // echo $employeement_data['bonus_incentive'] ? "

The applicant receives a bonus ( ".($employeement_data['bonus_type'] == 'others' ? $employeement_data['bonus_type_other']: $employeement_data['bonus_type']).") of ".$rupee_symbol." ".MYUTIL::customIndianNumberFormat($employeement_data['bonus_incentive'])." ".$employeement_data['bonus_frequency_master'].'.

': '

Applicant does not get any Bonus amount or Incentives.

'; if(isset($employeement_data['bonus_incentive'])){ if($employeement_data['bonus_incentive'] > 0){ echo $employeement_data['bonus_incentive'] ? "

': '

Applicant does not get any Bonus amount or Incentives.

'; } else{ echo "Applicant does not get any Bonus amount or Incentives "; } } echo $employeement_data['id_card_issued_company'] == 'yes' ? '

ID card issued by employer was seen by PD officer and same is available in zipped file enclosed with report.

' : '

ID card issued by employer was not seen because, '.$employeement_data['why_company_id_proof_not_available'].'

'; //echo "
***********************************"; echo $employeement_data['employment_remarks'] != "" ? "

".$employeement_data['employment_remarks']."

": ""; } //die(); */ $employeement_data = array(); $salary_mode_text = array('both_bank_transfer_cash' => 'both bank and cash','bank_transfer' => 'bank transfer','paid_in_cash' => 'cash'); if(isset($pd_processed_forms[12])) { $employeement_data = json_decode($pd_processed_forms[12][0]['processed_json'],true); } //print_r($employeement_data); echo "

Employment Information

" ; //die(); if(count($employeement_data)) { if($employeement_data['was_met'] == 'yes') { $designation_of_person_met = $employeement_data['designation_person_met'] == 1 ? $employeement_data['others_person_met'] : $employeement_data['designation_person_met_master']; echo '

During PD '.$employeement_data['name_person_met'] .' who is ('.$designation_of_person_met .') of the company/firm was met/contacted.

'; } else { echo '

During PD employer/Manager was not met/contacted.

'; } // print_r($employeement_data); if(isset($employeement_data['photo_id_card'])){ if ($employeement_data['photo_id_card'] == 'Not Provided'){ echo "

Person met/contacted has not provided ID Card

";} else if($employeement_data['photo_id_card'] == 'Others'){ echo "

Person met/contacted provided ".$employeement_data['photo_id_others']." as ID Card.

"; } else{echo "

Person met/contacted provided ".$employeement_data['photo_id_card']." as ID Card.

"; } } if($employeement_data['visiting_card'] == 'yes'){ echo '

Person met/contacted provided company ID Card/Visiting Card.

';} else{ echo '

Person met/contacted was not provided company ID Card/Visiting Card.

'; } echo "

Employer Name : ". explode('-', $employeement_data['employer_name'])[1] ."

" ; echo "

Company Profile : ". $employeement_data['employer_in_brief'] ."

" ; echo "

"; echo $employeement_data['total_business_previous_experience'] ? ("

Previously, applicant ".$employeement_data['total_business_previous_experience']) : ''; if(isset($employeement_data['employer_applicant_relation']) && $employeement_data['employer_applicant_relation'] == 'yes'){ echo '

Employer and applicant are relatives. Employer is ( '.$employeement_data['employer_applicant_relation_type'].' ) of applicant.

'; }else if(isset($employeement_data['employer_applicant_relation']) && $employeement_data['employer_applicant_relation'] == 'no'){ echo '

There is no relationship between employer and applicant.

'; } if(isset($employeement_data['no_of_employee_in_firm'])){ echo '

Number of employees working in firm '.$employeement_data['no_of_employee_in_firm'].'

'; } // echo $employeement_data['was_met'] == 'no'? "

No one was met at the visited premises who could confirm the employment details of loan applicant.

":"

During PD visit, ".$employeement_data['name_person_met'].' ( '. ($employeement_data['others_person_met'] ? $employeement_data['others_person_met'] : $employeement_data['designation_person_met_master']) .' ) was met at the visited premises.'; // echo ($employeement_data['confirm_salary'] == 'no'? '

Salary amount was not confirmed person met/contacted because '.$employeement_data['sal_amount_was_not_confirmed'].'

' : '

Salary amount confirmed by person met/contacted is '.$rupee_symbol.' '.MYUTIL::customIndianNumberFormat($employeement_data['confirm_salary_amount']).'.

'); // echo $employeement_data['attendance_seen'] == 'no' ? "

Attendance Register was not seen during visit.

": "

Attendance register was seen during visit.

"; // echo $employeement_data['sal_reg_seen'] == 'no' ? "

Salary register was not seen during visit.

": "

Salary register was seen during visit.

"; echo "

"; if((isset($employeement_data['amount_paid_in_cash']) && $employeement_data['amount_paid_in_cash']) && (isset($employeement_data['amount_paid_through_bank']) && $employeement_data['amount_paid_through_bank'])) { echo "Applicant is getting ".$rupee_symbol.' '.$employeement_data['amount_paid_in_cash']." paid as cash and ".$rupee_symbol.' '.$employeement_data['amount_paid_through_bank']." as bank transfer."; } if(isset($employeement_data['sal_paid_regularly']) && $employeement_data['sal_paid_regularly'] == 'yes') { echo '

Salary has been paid regularly for last three months.

'; } else { echo '

Salary has been not paid regularly for last three months becasue '.$employeement_data['reason_not_sal_pay'].'.

' ; } // else if(isset($employeement_data['amount_paid_in_cash']) && $employeement_data['amount_paid_in_cash']) // { // echo "entire salary is paid as cash."; // } // else if(isset($employeement_data['amount_paid_through_bank']) && $employeement_data['amount_paid_through_bank']) // { // echo "entire salary is paid as bank transfer."; // } echo "

"; if(isset($employeement_data['bonus_incentive'])){ if($employeement_data['bonus_incentive'] > 0){ echo $employeement_data['bonus_incentive'] ? "

The applicant receives a bonus/incentives ( ".($employeement_data['bonus_type'] == 'others' ? $employeement_data['bonus_type_other']: $employeement_data['bonus_type']).") of ".$rupee_symbol." ".MYUTIL::customIndianNumberFormat($employeement_data['bonus_incentive'])." ".$employeement_data['bonus_frequency_master'].'.

': '

Applicant does not get any Bonus amount or Incentives.

'; } else{ echo "Applicant does not get any Bonus amount or Incentives "; } } // echo $employeement_data['check_validated'] == "not validated" ? "

The salary amount was not validated during visit because ".$employeement_data['why_was_it_not_validated']."

": "

The salary amount was validated during visit ".$employeement_data['how_was_it_validated']."

"; // echo $employeement_data['any_delays'] == 'yes' ? '

As per person met, sometimes there is delay in salary payment.

' : '

Generally, there is no delay in salary payment.

'; // echo $employeement_data['bonus_incentive'] ? "

': '

Applicant does not get any Bonus amount or Incentives.

'; echo $employeement_data['id_card_issued_company'] == 'yes' ? '

ID card issued by employer was seen by PD officer and same is available in zipped file enclosed with report.

' : '

ID card issued by employer was not seen because, '.$employeement_data['why_company_id_proof_not_available'].'

'; //echo "
***********************************"; echo $employeement_data['employment_remarks'] != "" ? "

".$employeement_data['employment_remarks']."

": ""; echo "

Employment Document Sighted

" ; $document_name = ''; $document_name .= ($employeement_data['sal_reg_seen'] == 'yes' ? 'Salary Register, ': ''); $document_name .= ($employeement_data['attendance_seen'] == 'yes' ? 'Attendance Register, ' : ''); $document_name .= ($employeement_data['cash_voucher'] == 'yes'? 'Cash Voucher,' : ''); $document_name .= ($employeement_data['sal_certificate'] == 'yes' ? 'Salary Certificate, ' : ''); $document_name .= ($employeement_data['sal_slip'] == 'yes' ? 'Salary Slip, ': ''); $document_name .= ($employeement_data['other_doc'] == 'yes' ? $employeement_data['other_doc_name'].', ' : ''); if($document_name != '') { $document_name = substr_replace($document_name,'', -2); echo "

$document_name were seen during Field visit and photographs of same is available in zipped file enclosed with report.

"; } else { $reason = vendor_form::getSalNotConfirmedResons($employeement_data['docs_sighted']['doc_not_available'],(isset($employeement_data['docs_sighted']['doc_not_available_specify']) ? $employeement_data['docs_sighted']['doc_not_available_specify'] : '')); $dis = '

Applicant’s employment documents were not seen during Field visit'; if($reason) { $dis .= " becasue, $reason"; }; $reason .= '

.'; echo $dis; } //******************old // if(!$employeement_data['doc_not_available']) // { // echo '

Following documents sighted of applicant’s employment.

'; // // foreach ($variable as $key => $value) // // { // // } // } // else // { // $doc_not_available_resan = ''; // foreach ($employeement_data['doc_not_available'] as $dna_key => $dna_value) // { // $doc_not_available_resan .= $dna_value.', '; // } // //$doc_not_available_resan = $employeement_data['doc_not_available_specify'] ? ($doc_not_available_resan.', ') : $doc_not_available_resan; // $doc_not_available_resan = $doc_not_available_resan ? ( substr_replace($doc_not_available_resan,' ',-2)) : ''; // $ids = '

Applicant’s employment documents were not seen'; // if($doc_not_available_resan){$ids .= 'because '.$doc_not_available_resan;} // $ids .= '

'; // echo $ids; // } } ?> $rental_property) { //echo $rental_property_key; $current_property = json_decode($rental_property['processed_json'],true); $rental_data[] = RENTALFORM::getRentalText($current_property); } if(count($rental_data)) { echo '

'; echo '

Rental Income Details

'; foreach ($rental_data as $key => $value) { echo '
Property : '.($key + 1).''; echo '

Address of Property : '.($value['address_property']).''; echo '

Type of Property : '.($value['type_of_property']).''; echo '

Name of the Property Owner`s : '.($value['property_owners_name']).''; echo '

Name of the person`s who showing Property : '.($value['property_showing_persons_name']).''; echo '

Property Document Proof Seen : '.($value['property_document_proof_visted']).''; if(!strcasecmp($value['property_document_proof_visted'],'yes')) { echo ' Type of Property Document Visted : '.($value['type_of_document_visited']).''; } echo '

Unit Type : ' . ($value['unit_type']) . ''; echo '

No of Floors/Units : '.($value['no_of_floors']).''; echo ' '; echo $value['area_coverd'] != "" ? 'Area covered : '.($value['area_coverd'].' '.$value['area_uom'].'') : ''; if(isset($value['unit_details']['multistorey']) && count($value['unit_details']['multistorey'])) { echo '

Multistorey Details:

'; echo ''; echo ''; foreach($value['unit_details']['multistorey'] as $multistorey_key => $multistorey_value) { echo ''; } echo ''; echo '

Floor Name	No of Units	Rent same for all Units	Unit Details	Total Rent Amount
'. $multistorey_value['floor_name'] .'	'. $multistorey_value['no_units_in_floor'] .'	'. $multistorey_value['same_rent'] .'	'. $multistorey_value['unit_details'] .'	'. $multistorey_value['total_floor_rent'] .'
Total				'. $rupee_symbol.' '.$value['unit_details']['multistorey_over_all_total'].'

'; } echo '

Unit Details:

'; foreach ($value['unit_details']['property_core'] as $u_key => $unit_value) { echo '
'; echo $unit_value['unit_name']; echo ''; echo $unit_value['header_row']; echo $unit_value['first_owners_row']; echo $unit_value['second_lessee_name_row']; echo $unit_value['third_area_of_unit_row']; echo $unit_value['fourth_payment_mode_row']; echo $unit_value['fifth_lease_period_row']; echo $unit_value['sixth_security_deposit_row']; echo $unit_value['eigth_current_rent_received_row']; echo $unit_value['nineth_difference_between_rent_amount_row']; echo '

'; } //print_r($value['third_check_details']); if($value['third_check_details']['done_third_party_check']) { echo '
For property'.($key + 1).' Third Party check was done with ' . $value['third_check_details']['whom_third_party_check_done']; echo isset($value['third_check_details']['description_third_party_check_done']) ? ' ('. $value['third_check_details']['description_third_party_check_done'].'). ' : ' '; if($value['third_check_details']['rental_rates_third_party_check_done'] != "") { echo 'Rental rates in the area as per person whom third party check is done is '.$value['third_check_details']['rental_rates_third_party_check_done']; } } else { echo '
For property '.($key + 1).' Third Party check not done.'; echo isset($value['third_check_details']['why_third_party_check_not_done']) && $value['third_check_details']['why_third_party_check_not_done'] != "" ?'Resaon - '.$value['third_check_details']['why_third_party_check_not_done'] : ''; } echo '
' . $value['property_remark']; } } } ?> $oaRow) { $otherAssetRow = json_decode($oaRow['processed_json'],true); $other_assest_common_remrks = $otherAssetRow['assets_form_remark']; if(isset($otherAssetRow['asset_info_available']) && $otherAssetRow['asset_info_available'] == 1) { $is_personal_info_available = 1; if(count($otherAssetRow['assets_details'])>0){ $otherAssetResult=ASSETSFORM::getOthersAssetsDetails($otherAssetRow['assets_details'],$pd_master_details[0]['pd_id']); //print_r($otherAssetResult); } } } ?>

Personal Assets

$paRow){ ?>

Sr.No	Asset Type	Asset Description	Asset Owned By	Approx Market Value(Rs)	Age of the Assest	Loan Again Assest
				'. $rupee_symbol.' '.MYUTIL::customIndianNumberFormat($paRow['approximate_market_value']) : ( ($paRow['approximate_market_value'] != '' && $paRow['approximate_market_value'] != 0 ? $rupee_symbol.' '.MYUTIL::customIndianNumberFormat($paRow['approximate_market_value']): 'Not Provided' )); ?>

As per Loan applicant, he does not have any other assets.

'.$other_assest_common_remrks.'

'; } ?> $ibRow) { $individualBankRow = json_decode($ibRow['processed_json'],true); $ind_banking_common_remarks = $individualBankRow['banking_form_remark']; if(isset($individualBankRow['bank_info_available']) && $individualBankRow['bank_info_available'] == 1) { $is_personal_banking_available = 1; if(count($individualBankRow['banking_details'])>0){ $getIndividualEachValues=BANKINGFORM::getIndividualBankingDetails($individualBankRow['banking_details'],$pd_master_details[0]['pd_id']); $bankingResult = array_merge($bankingResult,$getIndividualEachValues); } } } ?>

Personal Banking:

Below bank account details were shared :

$bdRow){ ?>

Sr.No	Account Holder's Name	Bank Name	Account Type	OD / CC Limit	Vintage

'.$ind_banking_common_remarks.'

'; } ?> $iRow) { $otherIcomeRow = json_decode($iRow['processed_json'],true); $other_source_income_common_remarks = $otherIcomeRow['otherincome_remarks']; if(strtoupper($otherIcomeRow['other_income'])=='YES' && count($otherIcomeRow['income_details'])>0){ $is_other_income_available = 1; $otherIncomeResult=OTHERINCOMEFORM::getIncomeDetails($otherIcomeRow['income_details'],$pd_master_details[0]['pd_id']); } } ?>

Other Sources of Income of Individual Loan Applicants:

$oiRow){ ?>

Sr.No	Income Source	Earned by	Amount(Rs)

As per the loan applicants, they do not have any other source of Income.

'. $other_source_income_common_remarks.'

'; } ?> $fRow) { $familyRow = json_decode($fRow['processed_json'],true); //print_r($familyRow);die(); $other_family_form_common_remarks = $familyRow['family_details_form_remark']; if(array_key_exists('family_details',$familyRow) && count($familyRow['family_details'])>0){ $familyResult=OTHERFAMILYFORM::getFamilyDetails($familyRow['family_details'],$pd_master_details[0]['pd_id']); } } ?>

Family Information:

0){ //print_r($familyResult); ?> $fmValue) { ?> '.$fmValue['selected_person_title'].$fmValue['selected_person'].'Family Information - Select person for capturing family details, who is an applicant in the case, resides at .'; $residence_text ='This is a residence, where the applicant has been staying for .'; $residence_text .= (!strcasecmp($fmValue['residence_ownership'],'rented')) ? ' The rent paid '.$rupee_symbol.' '.$fmValue['rent'].' per month.' : ''; echo '

' . $intro_text . '

';echo '

' . $residence_text . '

'; ?>

The table below provides details of other family members of

$fmRow){ ?>

Sr.No	Name	Relation	Age	Earning Status	Occupation Details

' . $text . '

'; }}?>

Other Family Members is not available.

'.$other_family_form_common_remarks.'

'; } ?> $elRow) { $otherLoanRow = json_decode($elRow['processed_json'],true); $existing_loan_form_common_remarks = $otherLoanRow['currentloan_remarks']; $total_no_of_data = 0; if(strtoupper($otherLoanRow['existing_loan'])=='YES' && count($otherLoanRow['loan_details'])>0){ $is_existing_loans_available = 1; $is_all_loan_details_availble ='yes'; $total_no_of_data = count($otherLoanRow['loan_details']); $existLoanResult=FINANCIALFORM::getOtherLoanDetails($otherLoanRow['loan_details'],$pd_master_details[0]['pd_id']); } } //print_r($existLoanResult);//die(); ?>

Existing loan obligation

The table below lists the details of Existing Loan Obligations of the Loan Applicants.

$single_table){ //print_r($single_table);die(); if(is_numeric($table_key)) { ?> Loan $pre_loan_no"; } ?>

Particulars

As per loan applicant he does not have any existing loan obligations.

'.$existing_loan_form_common_remarks.'

';} ?> '; echo '

Credit Manager`s Specific Queries:

'; //echo '
'; if(isset($credit_officier_specific_queries['additional_requirements_processed']) && count($credit_officier_specific_queries['additional_requirements_processed'])) { foreach ($credit_officier_specific_queries['additional_requirements_processed'] as $key => $value) { echo 'Question - '.$value['question'].'
'; echo 'Answer - '. $value['answer']; echo '

'; } } else { echo 'There are no specific queries raised by Credit Manager.'; } echo '
'; echo '

Document to be photographed/scanned:

'; // if(isset($credit_officier_specific_queries['docs_to_be_sighted_processed']) && count($credit_officier_specific_queries['docs_to_be_sighted_processed'])) { foreach ($credit_officier_specific_queries['docs_to_be_sighted_processed'] as $doc_key => $doc_value) { echo 'Document Required : ' . $doc_value['doc_name'].'
'; echo 'Provided ( Yes / No ) : ' . ($doc_value['ans'] == 'yes' ? 'YES, Document available in zipped file enclosed with report'.'
' : 'NO
'); if($doc_value['ans'] != 'yes') { echo 'Reason : ' .$doc_value['reason']; } echo '

'; } } else { echo 'There are no specific documents to be collect.'; } if(isset($credit_officier_specific_queries['covid_section']) && isset($credit_officier_specific_queries['covid_section']['question_info']) && count($credit_officier_specific_queries['covid_section']['question_info'])) { echo '
'; echo '

Queries related to Covid-19:

'; foreach ($credit_officier_specific_queries['covid_section']['question_info'] as $covid_key => $covid_value) { if(isset($covid_value['is_subfield']) && !$covid_value['is_subfield']) { echo 'Question : ' . $covid_value['question'].'
'; $temp_answer = $credit_officier_specific_queries['covid_section'][ $covid_value['question_key'] ]; if(($covid_value['type'] == 1 || $covid_value['type'] == 9) && ($covid_value['field_type'] == 'str&numtoword' || $covid_value['field_type'] == 'num' || $covid_value['field_type'] == 'numtoword') && is_numeric($temp_answer)) { $temp_answer = MYUTIL::customIndianNumberFormat($temp_answer) .' ('. MYUTIL::numtowords($temp_answer) .')'; } echo 'Answer : ' . $temp_answer .'
'; $sub_field_key = $covid_value['question_key'] . '_'.$credit_officier_specific_queries['covid_section'][ $covid_value['question_key'] ]; if(isset( $credit_officier_specific_queries['covid_section'][$sub_field_key] ) ) { echo 'Reason/Description : ' . $credit_officier_specific_queries['covid_section'][$sub_field_key].'
'; } echo '
'; } } } //} ?>

PD OFFICER`S REMARKS ON CUSTOMER BEHAVIOUR, BUSINESS LOCATION & OVERALL PD STATUS

'; echo '

Personal feedback or market intelligence on the case (if any):

'; echo '

'.$final_remark_data['market_intelligence'].'

'; echo '

'; } ?>

Customer Behaviour:

Polite

Rude

Others*

Suitability of Business Location:

Well Suited

Fairly Suited

Not Suited

PD Officer’s overall assessment:

Positive

Refer to Credit

Negative

Others*

PD officer recommendation is '.$fo_diplay.'.

';?>

The following key points were considered while arriving at the aforementioned status.

"; foreach($final_remark_data['recommendation_positive'] as $pos){ echo "

".$pos['reason_for_positive']."

";} }else if($negative){ echo "

".$neg['reason_for_negative']."

".$rtc['reason_for_refer_to_credit']."

'.$pd_officer_final_remark.'

Photograph`s

'.$pd_images['common_images'][$i]['pd_document_title'].'

'. $doc_title .'

'. $footer_lender_disclaimer['disclaimer'] .'