January 2025

Contents
Ambak’s Promise

Udaan Contest

HL Rewards

HL Payment Process & Cycle

LAP Rewards

LAP Payment Process & Cycle

Bank MIS Dates

Bank Collection TAT

Lender Codes

Fulfillment Process (Referral Only)

Terms & Conditions

Ambak’s Promise
 Home Loan
Category - 1
HDFC Bank PNB Housing Fedfina
Housing Finance

Net

Code Axis Bank Aditya Birla HFL

LTFS TATA Capital

ICICI HFC Kotak Bank ICICI Bank

Shivalik Bank* DMI Finance Piramal HFC

easy

Slab Rewards

0 - 1 cr 0.85%

> 1 - 3 cr 0.90%

> 3 cr 0.95%

*Bajaj BT cases will be considered in category 3

Slab Rewards

Any Volume 90% of Top Slab

Category - 2
SBI

Slab Rewards

0 - 1 cr 0.45%

> 1 - 3 cr 0.50%

> 3 cr 0.60%

Category - 3

Bajaj Housing
Bajaj Housing

Jio Finances
(Gross Code) BT Cases

Slab Rewards

Any Volume 90% of AMBAK's payin

Home Loan - Referral Only

Category - 1

HDFC Bank PNB Housing Fedfina

Housing Finance

Net

Code Axis Bank Aditya Birla HFL

LTFS TATA Capital Bajaj HFL (MB2C)

ICICI HFC Kotak Bank ICICI Bank

*
DMI Finance Piramal HFC

easy

Slab Rewards

Any Volume 0.50%

*Bajaj (Net) BT cases will be considered in category 2

Category - 2

Jio Finance

SBI

Bajaj Housing

(Gross Code)

Bajaj Housing

(NET Code)

Slab Rewards

Any Volume 50% of AMBAK's payin

*Bajaj (Net) BT cases will be considered in category 2

Home Loa n

BANK WISE PAYMENT PROCESS & CYCLE

For e cases disbursed

th

repor ed ill 31s an 2025

t t t J
&
Payou confirma ion
t t

50% at Transaction (with screenshot)

HDFC Bank
& 50% at MIS

Bajaj HFL Disbursement & Encashment

PNB Housing Transaction & MIS

ICICI HFC Transaction & MIS

ICICI Bank Transaction & MIS

Axis Bank PDD & MIS

Tata HFC PDD & MIS

IDFC First Bank PDD & MIS

L&T HFC PDD & MIS

Aditya Birla Housing PDD & MIS

Kotak Bank PDD & MIS

Aavas PDD & MIS

Piramal HFC PDD & Collection

Fedfina PDD & Collection

SBI Disbursement & Collection

Bajaj HFL Affordable cases Encashment & MIS(Twice a month)

Bajaj HFL ross Code

G Encashment & MIS(Twice a month)

O thers PDD & Collection

 Loan Against Property
LAP Special Schemes

Deutsche Bank 1.60%

1.60%

HDFC Bank 1.45%

L&T Finance 1.45%

TATA Capital Housing 1.40%

Kotak Bank 1.40%

PNB Housing 1.40%

Category - 1

DMI Finance Fedfina

easy Axis Bank LTFS

Bajaj HFL Housing

ICICI HFC ICICI Bank

Poonawala Fincorp

Slab Rewards

0 - 1 cr 1.20%

> 1 - 3 cr 1.25%

> 3 cr 1.35%

Category - 2

Jio Finances Net

Code

Slab Rewards

Any Volume 90% of AMBAK's payin

LAP - Referral Only

Category - 1

HDFC Bank PNB Housing Fedfina

Housing Finance

Jio Finances Axis Bank Aditya Birla HFL

Bajaj HFL TATA Capital

Housing LTFS

ICICI HFC Kotak Bank ICICI Bank

Poonawala Fincorp Deutsche Bank

easy

Slab Rewards

0 - 1 cr 0.80%

> 1 - 3 cr 0.85%

> 3 cr 0.90%

Category - 2
DMI Finance

Net

Code

TATA Capital

Slab Rewards

Any Volume 50% of AMBAK's payin

Loan Against Property

BANK WISE PAYMENT PROCESS & CYCLE

For the cases disbursed & Payout confirmation
reported till 31st Jan 2025

HDFC Bank PDD & Collection

Bajaj HFL Disbursement & Encashment

PNB Housing Transaction & MIS

ICICI HFC Transaction & MIS

ICICI Bank Transaction & MIS

Axis Bank PDD & MIS

Tata HFC PDD & MIS

IDFC First Bank PDD & MIS

L&T HFC PDD & MIS

Aditya Birla Housing PDD & MIS

Kotak Bank PDD & MIS

Aavas PDD & MIS

Piramal HFC PDD & Collection

Fedfina PDD & Collection

Bajaj HFL Affordable cases Encashment & MIS(Twice a month)

Bajaj HFL Gross Code Encashment & MIS(Twice a month)

Others PDD & Collection

 Monthly Lender MIS Dates
Ambak process payouts as per following dates

Lender Cycle
Lender MIS Dates

Lender Name
(Current Month) (Next Month)

HDFC Bank 1st - 30th HL : 25th - 30th

HDFC Bank LAP : 6th - 5th LAP : 18th - 20th

Bajaj Housing 1st - 30th 18th

L&T Housing 1st - 30th 20th

PNB Housing 1st - 30th 15th

IDFC First Bank 1st - 30th 15th

ICICI Bank 16th - 15th 30th

Capri Global HFC 1st - 30th 5th

Shivalik Small Finance Bank 1st - 30th 5th

Axis Bank 29th - 28th 20th

ICICI HFC 1st - 30th 25th

Tata Housing 26th - 25th 25th

Godrej Housing 1st - 30th 20th

Piramal Housing 11th - 10th 25th

Kotak Bank 1st - 30th 30th

Fedfina 1st - 30th 5th

IIFL 1st - 30th 15th

Bank of Maharashtra 1st - 30th 5th

Aavas Financiers Limited 1st - 30th 30th

Sammaan Capital 1st - 30th 5th

Aditya Birla Housing 1st - 30th 20th

TATA Capital Finance Ltd 1st - 30th 25th

State Bank of India 1st - 30th 5th

Bank Of Baroda 1st - 30th 5th

Punjab National Bank 1st - 30th 5th

Godrej Housing Capital 1st - 30th 20th

DMI Housing Finance 1st - 30th 20th

Bajaj Housing Gross 1st - 30th 18th

Induslnd Bank Ltd 1st - 30th 20th

Chola Finance 1st - 30th 20th

GIC Housing Finance 1th - 30th 15th

Axis Finance 1st - 30th 25th

For sammaan bank MIS will come in M2 month, where M0 is booking month
 Bank Collection TAT
Ambak process payouts as per following dates

Collection TAT

Lender Name
(In Days)

Shivalik 20 Days

Godrej Housing 15 Days

Piramal Housing 7 Days

Fedfina 20 Days

IIFL 30 Days

Bank of Maharashtra 30 Days

Samman Capital 20 Days

State Bank Of India 45 Days

Bank Of Baroda 30 Days

Punjab National Bank 30 Days

Godrej Housing Capital 15 Days

DMI Housing Finance 15 Days

Induslnd Bank Ltd 30 Days

Chola Finance 30 Days

GIC Housing Finance 10 Days

Axis Finance 30 Days

The above TAT is invoice to collection TAT

 Lender Codes
Lender Name Home Loan & LAP

Aavas 4532

ABHFL DAAIND022633

Aditya Birla Capital ABC0000003021 (LAP Only)

Anand Rathi DDEL2624 (LAP Only)

Axis Bank Finance AFLR4054

Axis Bank DSA6237DELMORT

Bajaj HFL I0-170961 (Net Code)

Bajaj HFL 184628 (Gross Code)

Bank of Baroda DSA07709 (NCR)

Bank of Baroda RO/ADV/MMSR/23-24/6 (MH)

Bank of Baroda DSA08849 (HYD)

Bank of Maharastra D671551656

Cholamandalam 63442 (LAP Only)

DMI Housing DSA-1119

easy EHFL/DSA/00928

Fedfina 1074714

Godrej Housing DSNATDEL2278

GIC NOD/TFP/42

HDFC Bank 596803

HDB 41379 (LAP Only)

Hero Housing DSATENB (HL Only)

ICICI Bank 342919 (NCR)

ICICI Bank 349692 (Mumbai)

ICICI HFC 342686

IDFC First Bank 243913

IndusInd Bank IBLV8979

IIFL 114239

Jio Finances 10

Kotak Bank 864446554

LTFS DSA_TFPLT

PNB Housing NOI/DMA/0612/69034

PNB HLRLC748805 (HL Only)

Piramal HFC P026F9CKFR

Poonawala PDL00174 (HYD)

Sammaan DHS99970114

SBI Bank DELHLC00833 (HL Only)

Shivalik Bank Gurutenb (NCR)

TATA Housing 8097793

TATA Capital 8097793 (LAP Only)

Union Bank P8592

Vridhi Finance No code required

 Fulfillment Process

(Referral Cases)

AMBAK : Your Partner In

Home Loan Solution

Seamless Submission:

Add Lead
Easily submit your customer's details to Ambak.

Comprehensive Needs Assessment:

We gather detailed information to understand

your customer's home loan requirements.

Bank Assessment:
Roi

Our experts evaluate the top banks to find the

LTV

best fit for your customer's profile and loan criteria.

Document Authentication:

We ensure all documents are collected and verified to

authenticate your customer's application.

Bank Application Submission:

We handle the submission process to the chosen bank,

based on your customer's preference.

Expert Query Resolution:

Our team acts as a bridge between banks and customers,

swiftly resolving any queries.

Post-Disbursement Support:
-
We finalise all post disbursement documentation,

providing comprehensive support to your customer.

Hassle-free Invoicing:
Submit your GST invoices effortlessly through Ambak.

Direct Payouts:
j
En oy the convenience of receiving payouts directly to

your bank account.

 Terms & Conditions
Payout Calculation
Combined volume of all lenders will be considered to calculate
monthly slab
Payout slabs are separate for HL and LAP
Separate payout slabs apply for Self-Fulfilled cases and

Ambak Fulfilled cases

Payout slabs are determined based on the disbursement
date and disbursed amount for private banks

- For Bajaj, encashment date and amount will be considered

- For all PSUs, the sanction amount will be used for slab and
payout calculations
Insurance Amount will not be considered while calculating

payout slab
GST (as applicable) will be paid in addition to the commission
All payouts are subject to TDS deduction:

- 2% TDS if Aadhar and PAN are linked.

- 20% TDS if Aadhar and PAN are not linked
Subvention:
If there is any subvention, it will be deducted from the final
payout

Payout capping:
In case of bank capping on any specific case, please
discuss with your Relationship Manager
Other notes: DSA
For OD Cases: Self Payout = 90% of Ambak’s payin
All Other Lenders: Payout= 90% of our Ambak’s payin
For Bajaj Affordable Cases: DSA Payout = 90% of Ambak’s
payin
Other notes: Referral
For OD Cases: Referral Payout = 50% of Ambak’s payin
All Other Lenders: Referral: 50% of Ambak’s payin
For Bajaj Affordable Cases: Referral Payout = 50% of Ambak’s
payin
Other notes
All confirmations must come from lenders via email, in the
right format
All confirmations must be validated by Ambak team from
the central POC of lender
Indiabulls Housing Finance Ltd. is now Sammaan Capital Ltd

Thank You!

Contact Us
www.AMBAK.COM 805-805-8009