AICS as a consultant assists the banks and financial organizations by conducting and organizing the professional assessment/income estimation & financial evaluation of salaried and corporate individuals having single or multiple sources of income with information about the applicant’s personal and credit characteristics, character, general reputation, and lifestyle.

Income Estimation enables the Bank to have a 3rd party independent assessment of the Borrower’s creditworthiness, repayment capability, and calculating debt burden ratio (“DBR”) accordingly.