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Risk-band x product x channel pricing matrix with APR optimisation, CBK guardrails, and concentration overlays
Fair-value assessments, total cost of credit, fee transparency, affordability, target-market suitability, vulnerable-customer paths, disclosures, distributor readiness, lifecycle gates, complaints and redress, synthetic-action blocking, and board evidence custody.
| Product | Economics | Customer controls | Distribution | Status | Hash |
|---|---|---|---|---|---|
MSME Working Capital Plus formal and semi-formal MSME working capital borrowers / product governance and credit policy | APR 21.4% / max 36.0% / fee KES 1,400 / complaints 0.21% | fair value ready / total cost ready / affordability ready / key facts ready | target market defined / training ready / conduct ready / synthetic blocked yes | within | 36356bd130cd...a4d51088 |
Boda Logbook Refinance asset-backed motorcycle operators / secured lending product owner | APR 23.6% / max 36.0% / fee KES 1,800 / complaints 0.28% | fair value ready / total cost ready / affordability ready / key facts ready | target market defined / training ready / conduct ready / synthetic blocked yes | within | 1ece520c35c7...53afc08c |
Chama Group Credit registered savings groups with repayment history / group credit product owner | APR 18.9% / max 36.0% / fee KES 900 / complaints 0.17% | fair value ready / total cost ready / affordability ready / key facts ready | target market defined / training ready / conduct ready / synthetic blocked yes | within | 1efd80dc2212...27ae52c5 |
Merchant Inventory Float merchant wallet sellers needing short-cycle inventory finance / payments product governance | APR 19.7% / max 36.0% / fee KES 650 / complaints 0.19% | fair value ready / total cost ready / affordability ready / key facts ready | target market defined / training ready / conduct ready / synthetic blocked yes | within | 2d8ae817327e...0847dd95 |
Green Agri Equipment smallholder agri-equipment borrowers with climate resilience use case / climate finance product owner | APR 17.6% / max 36.0% / fee KES 1,200 / complaints 0.16% | fair value ready / total cost ready / affordability ready / key facts ready | target market defined / training ready / conduct ready / synthetic blocked yes | within | 4f25f2b07a63...4e0d445f |
| Fee | Cap | Controls | Status | Hash |
|---|---|---|---|---|
Origination fee and APR inclusion msme-working-capital-plus / product finance control | KES 1,400 / cap 2,500 | trigger transparent / waiver ready / reversal ready / complaint ready | within | 88de482ae778...f3f8bb76 |
Late payment fee and hardship waiver boda-logbook-refinance / collections conduct and product control | KES 450 / cap 900 | trigger transparent / waiver ready / reversal ready / complaint ready | within | b5e3f2933069...1e5040d6 |
Early settlement fee and fair exit control chama-group-credit / product governance | KES 0 / cap 0 | trigger transparent / waiver ready / reversal ready / complaint ready | within | 2db0afa257ef...556b7f29 |
Agent assisted service fee merchant-inventory-float / agent network product control | KES 80 / cap 150 | trigger transparent / waiver ready / reversal ready / complaint ready | within | b87fbfbcecc5...c8847c33 |
| Disclosure | Coverage | Customer evidence | Status | Hash |
|---|---|---|---|---|
Key facts statement, total cost of credit, and repayment illustration msme-working-capital-plus / conduct risk and product governance | language 100.0% / readability 0.92 / channel 100.0% | rate change ready / total cost ready / consent ready | within | ff349a29a25e...71fcd703 |
Digital journey price disclosure and consent receipt merchant-inventory-float / digital product and privacy office | language 100.0% / readability 0.90 / channel 100.0% | rate change ready / total cost ready / consent ready | within | da208ef33af2...b5e450cd |
Agent script fee disclosure and vulnerable-customer escalation boda-logbook-refinance / agent conduct control | language 100.0% / readability 0.88 / channel 100.0% | rate change ready / total cost ready / consent ready | within | baf2ae63cee5...4c14654d |
Rate change borrower notice and product-switch disclosure green-agri-equipment / product lifecycle owner | language 100.0% / readability 0.91 / channel 100.0% | rate change ready / total cost ready / consent ready | within | 01959c0c1d22...1af044d5 |
| Lifecycle gate | Review | Launch controls | Status | Hash |
|---|---|---|---|---|
Concept, target-market, and customer-need gate msme-working-capital-plus / product governance forum | 14/90d since review | policy ready / pricing ready / GL-fee ready / rollback ready | within | 71d0e7f0a5fb...88757ef3 |
Pricing simulation and policy approval gate boda-logbook-refinance / pricing committee and credit policy | 20/90d since review | policy ready / pricing ready / GL-fee ready / rollback ready | within | e52f304cd55e...d0eb209c |
Pilot launch, distributor readiness, and customer-notice gate merchant-inventory-float / product operations and conduct risk | 9/60d since review | policy ready / pricing ready / GL-fee ready / rollback ready | within | 13e35c754afd...473999a5 |
Post-launch customer-outcomes and fair-value review chama-group-credit / conduct risk and product governance | 18/60d since review | policy ready / pricing ready / GL-fee ready / rollback ready | within | 9fdf8287ecfe...89a56cc4 |
Retirement, rollback, and remediation gate green-agri-equipment / product lifecycle owner and board secretariat | 24/90d since review | policy ready / pricing ready / GL-fee ready / rollback ready | within | 1e09e94b8624...2898754b |
| Enterprise mapping | Manifest links | Coverage | Status | Hash |
|---|---|---|---|---|
Fair-value assessment, total cost of credit, and pricing governance pricing / product governance, pricing committee, and finance control | 5/5 mapped manifest complete | 100.0% / findings 0 | within | ad05fe40ebb5...42524c7b |
Fee transparency, waiver, reversal, complaint, and redress controls disclosure / product control, conduct risk, and finance operations | 4/4 mapped manifest complete | 100.0% / findings 0 | within | 8194ffebbec9...f10d4cd4 |
Target-market, suitability, affordability, and vulnerable-customer controls product / credit policy, conduct risk, and product governance | 4/4 mapped manifest complete | 100.0% / findings 0 | within | d68fba31a57c...176f3b7e |
Distribution, disclosure, agent script, digital consent, and channel readiness distribution / product operations, digital product, and agent conduct control | 4/4 mapped manifest complete | 100.0% / findings 0 | within | 6860711a1d7e...a25f23e5 |
Product lifecycle, launch, post-launch review, rollback, and remediation controls monitoring / product governance forum and regulatory operations | 4/4 mapped manifest complete | 100.0% / findings 0 | within | 78357769a289...ea8264c7 |
Product board assurance and evidence custody assure / board secretariat, product governance, and control assurance | 3/3 mapped manifest complete | 100.0% / findings 0 | within | 84000c5fe14e...70d00d88 |
| Control | Metric | Current / limit | Status | Hash |
|---|---|---|---|---|
Product fair-value assessment coverage Every product has current fair-value assessment evidence comparing total customer price to product benefits, cost stack, risk, and outcomes. | products with fair-value assessment, total-cost evidence, price cap compliance, fee cap compliance, and complaint-rate controls | 100.00% / 100.00% | within | 659234bd67f6...f7843fdf |
Total cost of credit and APR transparency Borrowers receive clear total-cost, affordability, and key-facts evidence before commitment. | products with key facts statement, total cost of credit, affordability, and target-market evidence | 100.00% / 100.00% | within | 23d59f15da1b...8de883c1 |
Fee disclosure, waiver, reversal, and redress control Every fee is transparent, capped, waiver-ready, reversible, tax-reviewed, complaint-routed, and redress-ready. | fees under cap with trigger, disclosure, waiver, reversal, tax, complaint, and evidence controls | 100.00% / 100.00% | within | f3faa36bc8e8...711ae09b |
Disclosure readability and channel coverage Product disclosures are understandable, channel-complete, multilingual where needed, consented, and reproducible. | disclosures with language, readability, channel, rate-change, total-cost, cancellation, digital-consent, and evidence coverage | 100.00% / 100.00% | within | 8ab6703c9b8d...f1011639 |
Target-market suitability and affordability Products are designed and distributed only to defined target markets with affordability, vulnerability, and conduct monitoring. | products with target market, affordability, vulnerable-customer, distributor-training, and conduct-monitoring evidence | 100.00% / 100.00% | within | 6410c7457dee...d79f43e0 |
Product lifecycle, launch, review, rollback, and retirement controls Product lifecycle gates control concept, pricing, approval, launch, post-launch review, rollback, retirement, and remediation. | lifecycle gates with current review, policy approval, pricing simulation, GL/fee mapping, rollback, post-launch, retirement notice, and evidence | 100.00% / 100.00% | within | ff19855a9fc3...92852a20 |
Complaints, redress, and outcome monitoring Product pricing and fees are monitored through complaints, redress, root-cause, vulnerable-customer, and fair-value outcome signals. | products under complaint-rate tolerance with conduct monitoring and complaint routes ready | 100.00% / 100.00% | within | 0bcd3659a856...3c68167c |
Synthetic pricing action blocking No pricing, fee, disclosure, lifecycle, or launch action executes from representative product data. | products using live reads and blocking synthetic price, fee, disclosure, launch, and lifecycle actions | 100.00% / 100.00% | within | 9d940116387c...788b4b4c |
Product risk-control manifest coverage Product pricing maps to conduct, credit, collections, privacy, fraud, finance, agent, API, deposits, insurance, risk data, assurance, and board controls. | required enterprise controls mapped without open findings | 100.00% / 100.00% | within | 78d6bd297988...7f0d4d1f |
Product pricing evidence custody Every product governance row carries reproducible evidence custody for conduct, audit, regulator, and board review. | product, fee, disclosure, lifecycle, and control rows with custody-ready evidence | 100.00% / 100.00% | within | 671652dd9998...92f34b13 |
| Trigger | Owner | Action | Deadline | Status |
|---|---|---|---|---|
| No product pricing and fair-value action packs are required for the current evidence set. | ||||
RAROC hurdles, funds-transfer-pricing curves, expected-loss and capital linkage, stressed profitability, GL/subledger attribution, customer-outcome gates, board evidence, and SHA-256 custody for pricing approvals.
| Segment | Economics | Lineage | Governance | Status | Hash |
|---|---|---|---|---|---|
MSME Working Capital Plus Risk band B repeat borrowers / digital officer and WhatsApp assisted | yield 21.4% / EL 4.6% / FTP 8.3% / net 2.9% / RAROC 29.0% | kes-6m-behavioral-ftp / ECL-PD-LGD-2026Q3-MSME / ICAAP-RWA-2026Q3-SME | hurdle approved / outcome ready / approval ready | within | 75f39b83786c...ccf60ee9 |
Boda Logbook Refinance Risk band C agent channel / agent network | yield 26.7% / EL 7.8% / FTP 9.1% / net 2.2% / RAROC 18.3% | kes-12m-secured-ftp / ECL-PD-LGD-2026Q3-LOGBOOK / ICAAP-RWA-2026Q3-SECURED | hurdle approved / outcome ready / approval ready | within | 5a2dbf9e8691...2556f459 |
Government LPO invoice discounting Verified IFMIS government buyer / Situ Soko embedded finance | yield 17.2% / EL 1.7% / FTP 7.7% / net 3.7% / RAROC 46.3% | kes-90d-invoice-ftp / ECL-PD-LGD-2026Q3-LPO / ICAAP-RWA-2026Q3-TRADE | hurdle approved / outcome ready / approval ready | within | aa420303c65e...d56a56c4 |
Green Agri Equipment Finance Seasonal farmer cooperative / field officer and cooperative partner | yield 19.8% / EL 4.1% / FTP 8.5% / net 1.4% / RAROC 15.6% | kes-seasonal-agri-ftp / ECL-PD-LGD-2026Q3-AGRI / ICAAP-RWA-2026Q3-AGRI | hurdle approved / outcome ready / approval ready | within | 3691b09fdcad...d4dc627c |
Merchant Inventory Float Risk band A high turnover merchants / API partner embedded offer | yield 18.6% / EL 2.2% / FTP 7.7% / net 4.2% / RAROC 52.5% | kes-6m-behavioral-ftp / ECL-PD-LGD-2026Q3-MERCHANT / ICAAP-RWA-2026Q3-MERCHANT | hurdle approved / outcome ready / approval ready | within | c17868372005...1393997d |
| FTP curve | Rate stack | Governance | Status | Hash |
|---|---|---|---|---|
KES 90-day invoice finance FTP 0-90 days / treasury risk | base 6.2% / liquidity 0.4% / contingent 0.2% / total 6.8% | 12/30d review / source ready / ALCO yes / backtest ready | within | 3aae05b926b1...8622fb97 |
KES six-month behavioral FTP 91-180 days / ALM desk | base 6.8% / liquidity 0.7% / contingent 0.3% / total 8.0% | 9/30d review / source ready / ALCO yes / backtest ready | within | 6338cd1e737a...de63f047 |
KES secured lending one-year FTP 181-365 days / treasury finance control | base 7.3% / liquidity 0.9% / contingent 0.4% / total 8.8% | 18/30d review / source ready / ALCO yes / backtest ready | within | 5341774595cc...ee2115aa |
KES seasonal agricultural FTP seasonal 9-15 months / treasury risk and agri finance | base 7.5% / liquidity 1.0% / contingent 0.5% / total 9.4% | 15/30d review / source ready / ALCO yes / backtest ready | within | eac393a11ec7...5634743f |
| Scenario | Shock | Outcome | Status | Hash |
|---|---|---|---|---|
Funding cost plus 250 bps and liquidity spread widening ALCO and treasury risk | yield 0bps / EL +90bps / funding +250bps / approvals -4.2% | stressed RAROC 13.8% / floor 12.0% / action ready | within | 4e7e9240e971...0850df8f |
Expected loss plus 300 bps under macro deterioration credit risk and risk finance | yield 0bps / EL +300bps / funding +75bps / approvals -6.8% | stressed RAROC 12.6% / floor 11.0% / action ready | within | 21ff6d53b603...dfe8f6f1 |
Customer redress and fee waiver sensitivity conduct risk and product finance control | yield -60bps / EL +25bps / funding +0bps / approvals 1.8% | stressed RAROC 14.1% / floor 12.0% / action ready | within | 6db929dbd901...fdc81a5b |
Approval growth frontier with lower borrower rate pricing committee and enterprise risk | yield -120bps / EL +35bps / funding +40bps / approvals 7.4% | stressed RAROC 16.2% / floor 14.0% / action ready | within | 90bde8d3a2bd...242fd9ea |
| Product | Contribution | Reconciliation | Status | Hash |
|---|---|---|---|---|
MSME Working Capital Plus 2026-07 / risk finance | gross KES 3.3m / FTP KES 1.2m / capital KES 0.4m / net KES 0.5m | recalc KES 0.5m / GL ready / subledger ready / board ready | within | 8bc82d4058c8...407cdc36 |
Boda Logbook Refinance 2026-07 / product finance control | gross KES 2.8m / FTP KES 0.9m / capital KES 0.4m / net KES 0.3m | recalc KES 0.3m / GL ready / subledger ready / board ready | within | a972c94aa322...9c1c9dff |
Government LPO invoice discounting 2026-07 / trade finance control | gross KES 1.4m / FTP KES 0.5m / capital KES 0.1m / net KES 0.4m | recalc KES 0.4m / GL ready / subledger ready / board ready | within | e07559095504...1212335c |
Green Agri Equipment Finance 2026-07 / agri finance control | gross KES 1.2m / FTP KES 0.5m / capital KES 0.2m / net KES 0.1m | recalc KES 0.1m / GL ready / subledger ready / board ready | within | c3a605ef0afd...f2deb3c6 |
Merchant Inventory Float 2026-07 / merchant finance control | gross KES 1.8m / FTP KES 0.7m / capital KES 0.2m / net KES 0.4m | recalc KES 0.4m / GL ready / subledger ready / board ready | within | bab3dd39bb0e...638a3a9d |
| Control | Metric | Current / limit | Status | Hash |
|---|---|---|---|---|
RAROC hurdle coverage and pricing approval gates Product pricing should align risk, return, capital, funding, customer outcome, and board-approved risk appetite before origination. | Segments above board-approved risk-adjusted return hurdle with approval gates ready | 100.0% / 100.0% | within | f874531dfc98...91f45630 |
FTP curve governance and ALCO approval Funding, liquidity, and contingent liquidity costs should be allocated to products and business lines at transaction inception. | FTP curves independently sourced, reviewed, backtested, change-controlled, and ALCO approved | 100.0% / 100.0% | within | 3a63db08b409...459d6a0e |
Profitability cost-stack completeness Pricing decisions should not rely on headline APR where cost of risk, funding, liquidity, capital, operations, and conduct costs are incomplete. | Segments with expected loss, funding, liquidity, capital, operating, acquisition, tax, and customer-outcome costs linked | 100.0% / 100.0% | within | fda7fa69a7d1...e0623228 |
Expected loss, model, and capital lineage Pricing and profitability should be traceable to expected credit loss, model validation, and economic capital evidence. | Segments with linked ECL, expected-loss model, capital model, and pricing policy references | 100.0% / 100.0% | within | a90f418bf426...d31885e4 |
Minimum segment RAROC guardrail The weakest live segment should remain above the board's risk-adjusted return floor after full cost allocation. | Lowest segment RAROC percentage | 15.6% / 12.0% | within | 991ca8dc81b0...221a6dc0 |
Stressed profitability and management action readiness Funding, expected-loss, redress, and growth-frontier stresses should prove profitability remains resilient and customer-safe. | Scenarios above stressed RAROC floor with capital, customer-outcome, and management action evidence | 100.0% / 100.0% | within | 67ab6530c9c7...83895ecc |
Minimum stressed RAROC floor Stressed profitability should remain inside risk appetite after funding, credit, and conduct shocks. | Lowest stressed RAROC percentage | 12.6% / 11.0% | within | 99ee4d8bae72...19fc2fea |
Profitability attribution reconciliation Business-line profitability should reconcile revenue, expected loss, FTP, capital, operating cost, acquisition cost, redress, and net contribution. | Product profitability rows reconciled to GL, subledger, portfolio, and board packs | 100.0% / 100.0% | within | 6343fed88e07...0e5b6222 |
Customer outcome and conduct profitability gate Pricing optimization should not bypass affordability, conduct, fee waiver, disclosure, hardship, or customer redress safeguards. | Segments with customer-outcome gates ready before profitability optimization | 100.0% / 100.0% | within | dce986e425af...ec52fa5e |
Enterprise manifest and evidence custody coverage RAROC, FTP, cost-stack, stress, attribution, and board evidence should be reproducible for audit and supervisory challenge. | Domain controls mapped to enterprise manifest with SHA-256 custody hashes | 100.0% / 100.0% | within | 6d43ae8b30c6...79749799 |
| Domain | Manifest links | Coverage | Status | Hash |
|---|---|---|---|---|
Risk-adjusted pricing policy, RAROC hurdle, and approval frontier governance pricing / pricing committee, enterprise risk, and product governance | 3/3 mapped manifest complete | 100.0% / findings 0 | within | d6609587e17e...c59abf1e |
FTP curve, liquidity-cost allocation, contingent-liquidity premium, and ALCO approval ftp / treasury risk, ALM, and ALCO | 3/3 mapped manifest complete | 100.0% / findings 0 | within | 719864a7c9cf...f62f118a |
Expected loss, IFRS 9 ECL, ICAAP capital, and model lineage linkage expected_loss / risk finance, model risk, and capital planning | 3/3 mapped manifest complete | 100.0% / findings 0 | within | f4d7e9552741...46e131c8 |
Profitability attribution, GL, subledger, portfolio, and board pack reconciliation attribution / risk finance, product finance control, and finance ledger control | 3/3 mapped manifest complete | 100.0% / findings 0 | within | 765c93ddb71b...2af812ca |
Stressed profitability, conduct outcome, customer harm, and remediation action readiness stress / enterprise risk, conduct risk, and customer outcomes operations | 3/3 mapped manifest complete | 100.0% / findings 0 | within | 80fee4c35ea4...e3201bfe |
Profitability evidence custody, manifest mapping, and reproducible export evidence_custody / control assurance, board secretariat, and data governance | 3/3 mapped manifest complete | 100.0% / findings 0 | within | ffc43dd19a5f...a19fc6dd |
| Trigger | Owner | Action | Deadline | Status |
|---|---|---|---|---|
| No risk-adjusted profitability and FTP action packs are required for the current evidence set. | ||||
| Product | Risk band A | Risk band B | Risk band C | Risk band D |
|---|---|---|---|---|
| MSME Working Capital | 14.5% | 17.2% | 21.8% | 27.4% |
| Invoice Factoring | 12.8% | 15.6% | 19.1% | 24.6% |
| Payroll Loan | 13.9% | 16.4% | 20.7% | 25.9% |
| Chama Group | 15.2% | 18.5% | 23.4% | 29.8% |
| Import Finance | 16.1% | 20.3% | 27.8% | 34.4% |
| Vehicle Asset | 14.8% | 18.9% | 25.6% | 34.2% |
| Component | Delta | APR | Basis |
|---|---|---|---|
| Cost of capital | +9.0pp | 9.0% | Treasury transfer price, KES book |
| Expected-loss premium | +4.2pp | 13.2% | Band B ECL and CRB score dispersion |
| Operational-cost load | +2.5pp | 15.7% | Origination, servicing, and M-Pesa rails |
| Concentration premium | +0.8pp | 16.5% | Motor vehicle and county exposure overlay |
| Channel discount (mobile) | -0.5pp | 16.0% | Digital self-service acquisition discount |
| Loyalty discount (bronze) | -0.5pp | 15.5% | Borrower-specific rebate, disclosed separately |
| Band B risk load | +1.2pp | 17.2% | Published matrix APR for MSME WC, Band B |
| Risk | Limit | Current | Premium |
|---|---|---|---|
Motor vehicle 31.4% / 28.0%83.1% | 28.0% | 31.4% | +0.8pp |
Nakuru county 13.7% / 12.0%84.6% | 12.0% | 13.7% | +0.3pp |
Wholesale trade 20.2% / 18.0%83.1% | 18.0% | 20.2% | +0.5pp |
Chama group 24.1% / 22.0%81.1% | 22.0% | 24.1% | +0.4pp |
Import finance 8.9% / 8.0%82.4% | 8.0% | 8.9% | +0.2pp |
| Policy point | Approval rate | Expected return | Avg APR | ECL coverage | Description |
|---|---|---|---|---|---|
| Defensive | 42.0% | 13.8% | 15.4% | 3.4x | Protect capital during liquidity stress |
| Conservative | 51.0% | 15.1% | 16.8% | 3.0x | Maximise coverage with low-risk borrowers |
| Balanced current | 63.0% | 16.9% | 18.7% | 2.5x | Current policy across core MSME channels |
| Growth | 71.0% | 18.1% | 21.3% | 2.1x | Maximise volume within CBK ceiling |
| Seasonal | 76.0% | 18.5% | 23.2% | 1.8x | Inventory and school-fee demand window |
| Expansion | 82.0% | 18.2% | 26.4% | 1.5x | County expansion with tighter monitoring |
| Tier | On-time repayments | APR discount | Borrowers | Auto trigger |
|---|---|---|---|---|
| None | 0-2 | 0.0% | 18,420 | N |
| Bronze | 3-5 | 0.5% | 12,884 | Y |
| Silver | 6-11 | 1.0% | 8,261 | Y |
| Gold | 12-23 | 1.5% | 4,772 | Y |
| Platinum | 24+ | 2.0% | 1,146 | Y |
| Point ID | Approval Rate | Expected APR | ECL at Risk | NII KES M | Status badge |
|---|---|---|---|---|---|
| P-01 | 65.0% | 24.1% | 6.2% | 42.8 | efficient |
| P-02 | 66.6% | 23.6% | 6.5% | 44.1 | efficient |
| P-03 | 68.1% | 23.0% | 6.9% | 45.9 | efficient |
| P-04 | 69.7% | 22.5% | 7.2% | 47.3 | efficient |
| P-05 | 71.2% | 21.9% | 7.6% | 48.6 | efficient |
| P-06 | 72.8% | 21.4% | 8.0% | 49.7 | efficient |
| P-07 | 74.3% | 20.8% | 8.4% | 50.8 | recommended |
| P-08 | 75.9% | 20.3% | 8.8% | 50.6 | watch |
| P-09 | 77.4% | 19.8% | 9.3% | 49.9 | watch |
| P-10 | 79.0% | 19.3% | 10.1% | 48.7 | watch |
| P-11 | 80.5% | 18.8% | 10.9% | 47.8 | watch |
| P-12 | 82.0% | 18.4% | 11.8% | 46.5 | watch |
| Loyalty tier | 1-yr tenure | 2-yr tenure | 3-yr tenure | Eligible borrowers |
|---|---|---|---|---|
| Tier 1 | -0.5% | -0.5% | -0.5% | 18,420 |
| Tier 2 | -1.0% | -1.0% | -1.0% | 12,884 |
| Tier 3 | -1.5% | -1.5% | -1.5% | 8,261 |
| Tier 4 | -2.0% | -2.0% | -2.0% | 4,772 |
| Tier 5 | -2.5% | -2.5% | -2.5% | 1,146 |
| Sector | Current % | Limit % | Pricing adjustment |
|---|---|---|---|
| MSME Trade | 43.2% | 40.0% | +150bps surcharge |
| Payroll | 31.5% | 40.0% | No adjustment |
| Agri | 38.7% | 40.0% | No adjustment |
| Construction | 41.6% | 40.0% | +150bps surcharge |
| Digital | 27.9% | 40.0% | No adjustment |