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JAIIB Paper 4: Retail Banking & Wealth ManagementModule B: Retail Products and RecoveryUnit 09: Retail Credit Appraisal & FOIR
30s
Q1. A salaried applicant has a Net Monthly Income (NMI) of ₹1,30,000. If the bank's retail credit policy allows a maximum EMI-to-NMI ratio of 60% for this income slab, what is the maximum monthly EMI the borrower can service across all loans?
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