Mariselvam M
Founder & Practice Leader
NBFC Risk & Audit LeadSpecializing in NBFC, MFI, and vehicle loan portfolio audit, regulatory document verification, DMS compliance, and RBI inspection preparedness across South India.
Founder & Practice Leader
NBFC Risk & Audit LeadSpecializing in NBFC, MFI, and vehicle loan portfolio audit, regulatory document verification, DMS compliance, and RBI inspection preparedness across South India.
End-to-end regulatory diagnostic and credit documentation audit for NBFCs, MFIs, and Retail Credit Institutions. Comprehensive sampling across JLG, SHG, Housing Loans (HL), LAP, Rural Enterprise (RMEL), Personal Loans (RPL), and Gold Loans.
₹3 Lakh household income cap, 50% FOIR limits, Kendra center attendance, spouse consent, and peer-guarantee verification.
Group resolution register, inter-loaning ledger audits, panchayat grading, savings-to-loan ratios, and sub-member disbursement trails.
Title Search Reports (TSR - 30 yrs), approved construction plan verification, CERSAI asset registration, LTV caps, and stage-wise disbursement memos.
Equitable mortgage deed scrutiny, MODTD registration, encumbrance certificates (EC), independent technical valuation & distress sale assessment.
Business vintage verification, Udyam registration, GST/Cashflow assessment, stock/machinery hypothecation, and working capital utilization.
Salary slip/bank statement forensic checks, NACH/e-Mandate bouncing history, credit bureau over-indebtedness, and end-use confirmation.
RBI 75% LTV cap compliance, Appraiser certification, packet seal verification in strongroom, spurious/hallmark test registers, and transparent auction notice trail audits.
Need pan-branch audit across multiple product verticals? Connect with our advisory lead.
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