{
 "what_this_is": "Every BankPulse Academy page, and whether a person has checked it.",
 "generated_at": "2026-09-14T13:57:17Z",
 "set": "https://bankpulse.ai/academy",
 "pages": [
  {
   "slug": "amortisation-schedule",
   "term": "Amortisation schedule",
   "full_form": "Repayment schedule",
   "one_line": "An amortisation schedule lists every instalment of a loan, split into interest and principal, until the balance is zero.",
   "url": "https://bankpulse.ai/academy/amortisation-schedule",
   "plain_text": "https://bankpulse.ai/academy/amortisation-schedule.md",
   "data": "https://bankpulse.ai/academy/amortisation-schedule.json",
   "related": [
    "emi",
    "reducing-balance-vs-flat-rate",
    "step-up-emi",
    "moratorium-and-pre-emi",
    "bullet-payment"
   ],
   "checked_by_a_person": false
  },
  {
   "slug": "bullet-payment",
   "term": "Bullet payment",
   "full_form": "Bullet repayment (one repayment at the end of the loan)",
   "one_line": "A bullet payment repays the whole principal, and sometimes all the interest, in one sum on the loan's last day.",
   "url": "https://bankpulse.ai/academy/bullet-payment",
   "plain_text": "https://bankpulse.ai/academy/bullet-payment.md",
   "data": "https://bankpulse.ai/academy/bullet-payment.json",
   "related": [
    "ltv",
    "working-capital-cycle",
    "step-up-emi",
    "foir"
   ],
   "checked_by_a_person": false
  },
  {
   "slug": "current-ratio",
   "term": "Current ratio",
   "full_form": "Working capital ratio",
   "one_line": "The current ratio compares a business's short-term assets with its short-term debts due within a year.",
   "url": "https://bankpulse.ai/academy/current-ratio",
   "plain_text": "https://bankpulse.ai/academy/current-ratio.md",
   "data": "https://bankpulse.ai/academy/current-ratio.json",
   "related": [
    "dscr",
    "debt-equity-ratio",
    "working-capital-cycle"
   ],
   "checked_by_a_person": false
  },
  {
   "slug": "debt-equity-ratio",
   "term": "Debt-equity ratio",
   "full_form": "Debt to equity ratio, or gearing ratio",
   "one_line": "The debt-equity ratio compares what a business owes to lenders with what its owners put in.",
   "url": "https://bankpulse.ai/academy/debt-equity-ratio",
   "plain_text": "https://bankpulse.ai/academy/debt-equity-ratio.md",
   "data": "https://bankpulse.ai/academy/debt-equity-ratio.json",
   "related": [
    "current-ratio",
    "dscr",
    "working-capital-cycle"
   ],
   "checked_by_a_person": false
  },
  {
   "slug": "dscr",
   "term": "DSCR",
   "full_form": "Debt Service Coverage Ratio",
   "one_line": "DSCR (Debt Service Coverage Ratio) compares a business's yearly cash with what it must pay that year on its loan.",
   "url": "https://bankpulse.ai/academy/dscr",
   "plain_text": "https://bankpulse.ai/academy/dscr.md",
   "data": "https://bankpulse.ai/academy/dscr.json",
   "related": [
    "working-capital-cycle",
    "bullet-payment",
    "emi"
   ],
   "checked_by_a_person": false
  },
  {
   "slug": "eligibility-calculation-step-by-step",
   "term": "Loan eligibility calculation",
   "full_form": "From salary slip to loan amount",
   "one_line": "Loan eligibility calculation is the step-by-step method a lender uses to turn a salary slip into a maximum loan amount.",
   "url": "https://bankpulse.ai/academy/eligibility-calculation-step-by-step",
   "plain_text": "https://bankpulse.ai/academy/eligibility-calculation-step-by-step.md",
   "data": "https://bankpulse.ai/academy/eligibility-calculation-step-by-step.json",
   "related": [
    "foir",
    "emi",
    "net-take-home-income",
    "income-multiplier-method",
    "ltv",
    "reducing-balance-vs-flat-rate"
   ],
   "checked_by_a_person": false
  },
  {
   "slug": "emi",
   "term": "EMI",
   "full_form": "Equated Monthly Instalment",
   "one_line": "An EMI is a fixed monthly payment that repays a loan's interest and principal over a set term.",
   "url": "https://bankpulse.ai/academy/emi",
   "plain_text": "https://bankpulse.ai/academy/emi.md",
   "data": "https://bankpulse.ai/academy/emi.json",
   "related": [
    "reducing-balance-vs-flat-rate",
    "moratorium-and-pre-emi",
    "step-up-emi",
    "foir",
    "bullet-payment"
   ],
   "checked_by_a_person": false
  },
  {
   "slug": "foir-vs-inir",
   "term": "FOIR vs INIR",
   "full_form": "Fixed Obligation to Income Ratio versus Instalment to Net Income Ratio",
   "one_line": "FOIR counts every fixed monthly payment against income; INIR counts only the new loan's instalment against take-home income.",
   "url": "https://bankpulse.ai/academy/foir-vs-inir",
   "plain_text": "https://bankpulse.ai/academy/foir-vs-inir.md",
   "data": "https://bankpulse.ai/academy/foir-vs-inir.json",
   "related": [
    "foir",
    "inir",
    "ltv",
    "own-contribution-margin-money"
   ],
   "checked_by_a_person": false
  },
  {
   "slug": "foir",
   "term": "FOIR",
   "full_form": "Fixed Obligation to Income Ratio",
   "one_line": "FOIR is the share of a borrower's income that goes to fixed monthly payments, including the new loan's EMI.",
   "url": "https://bankpulse.ai/academy/foir",
   "plain_text": "https://bankpulse.ai/academy/foir.md",
   "data": "https://bankpulse.ai/academy/foir.json",
   "related": [
    "inir",
    "foir-vs-inir",
    "ltv",
    "own-contribution-margin-money"
   ],
   "checked_by_a_person": false
  },
  {
   "slug": "how-to-verify-own-contribution",
   "term": "How to verify own contribution",
   "full_form": "Checking that the margin money was really paid from the borrower's own funds",
   "one_line": "Verifying own contribution means matching every receipt to a debit in the borrower's bank statement, and checking the source.",
   "url": "https://bankpulse.ai/academy/how-to-verify-own-contribution",
   "plain_text": "https://bankpulse.ai/academy/how-to-verify-own-contribution.md",
   "data": "https://bankpulse.ai/academy/how-to-verify-own-contribution.json",
   "related": [
    "own-contribution-margin-money",
    "parallel-funding",
    "ltv",
    "rbi-rules-on-margin-money",
    "foir"
   ],
   "checked_by_a_person": false
  },
  {
   "slug": "income-multiplier-method",
   "term": "Income multiplier method",
   "full_form": "A loan cap set as a fixed number times income",
   "one_line": "The income multiplier method sets a loan cap by multiplying the borrower's income by a fixed number the lender chooses.",
   "url": "https://bankpulse.ai/academy/income-multiplier-method",
   "plain_text": "https://bankpulse.ai/academy/income-multiplier-method.md",
   "data": "https://bankpulse.ai/academy/income-multiplier-method.json",
   "related": [
    "foir",
    "foir-vs-inir",
    "ltv"
   ],
   "checked_by_a_person": false
  },
  {
   "slug": "inir",
   "term": "INIR",
   "full_form": "Instalment to Net Income Ratio",
   "one_line": "INIR is the new loan's monthly instalment as a share of the borrower's take-home income.",
   "url": "https://bankpulse.ai/academy/inir",
   "plain_text": "https://bankpulse.ai/academy/inir.md",
   "data": "https://bankpulse.ai/academy/inir.json",
   "related": [
    "foir",
    "foir-vs-inir",
    "ltv",
    "own-contribution-margin-money"
   ],
   "checked_by_a_person": false
  },
  {
   "slug": "ltv",
   "term": "LTV",
   "full_form": "Loan to Value ratio",
   "one_line": "LTV (Loan to Value) is the loan amount divided by the value of the asset pledged, shown as a percentage.",
   "url": "https://bankpulse.ai/academy/ltv",
   "plain_text": "https://bankpulse.ai/academy/ltv.md",
   "data": "https://bankpulse.ai/academy/ltv.json",
   "related": [
    "own-contribution-margin-money",
    "rbi-rules-on-margin-money",
    "foir",
    "parallel-funding",
    "how-to-verify-own-contribution"
   ],
   "checked_by_a_person": false
  },
  {
   "slug": "moratorium-and-pre-emi",
   "term": "Moratorium and pre-EMI",
   "full_form": "Moratorium period and pre-Equated Monthly Instalment interest",
   "one_line": "A moratorium is a pause before full repayment starts; pre-EMI is interest paid on the amount released so far.",
   "url": "https://bankpulse.ai/academy/moratorium-and-pre-emi",
   "plain_text": "https://bankpulse.ai/academy/moratorium-and-pre-emi.md",
   "data": "https://bankpulse.ai/academy/moratorium-and-pre-emi.json",
   "related": [
    "emi",
    "reducing-balance-vs-flat-rate",
    "step-up-emi",
    "bullet-payment",
    "own-contribution-margin-money"
   ],
   "checked_by_a_person": false
  },
  {
   "slug": "net-take-home-income",
   "term": "Net take-home income",
   "full_form": "Also called Net Monthly Income, or NMI",
   "one_line": "Net take-home income is the salary that reaches a borrower's account after tax and payroll deductions.",
   "url": "https://bankpulse.ai/academy/net-take-home-income",
   "plain_text": "https://bankpulse.ai/academy/net-take-home-income.md",
   "data": "https://bankpulse.ai/academy/net-take-home-income.json",
   "related": [
    "foir",
    "inir",
    "foir-vs-inir",
    "emi"
   ],
   "checked_by_a_person": false
  },
  {
   "slug": "own-contribution-margin-money",
   "term": "Own Contribution",
   "full_form": "OCR, margin money or borrower's margin",
   "one_line": "Own contribution is the part of the cost the borrower pays from his own money: cost minus loan.",
   "url": "https://bankpulse.ai/academy/own-contribution-margin-money",
   "plain_text": "https://bankpulse.ai/academy/own-contribution-margin-money.md",
   "data": "https://bankpulse.ai/academy/own-contribution-margin-money.json",
   "related": [
    "ltv",
    "rbi-rules-on-margin-money",
    "how-to-verify-own-contribution",
    "parallel-funding",
    "foir"
   ],
   "checked_by_a_person": false
  },
  {
   "slug": "parallel-funding",
   "term": "Parallel funding",
   "full_form": "Own contribution paid from a second loan",
   "one_line": "Parallel funding means the borrower pays his own contribution from another loan, so two loans sit behind one purchase.",
   "url": "https://bankpulse.ai/academy/parallel-funding",
   "plain_text": "https://bankpulse.ai/academy/parallel-funding.md",
   "data": "https://bankpulse.ai/academy/parallel-funding.json",
   "related": [
    "own-contribution-margin-money",
    "how-to-verify-own-contribution",
    "ltv",
    "rbi-rules-on-margin-money",
    "foir"
   ],
   "checked_by_a_person": false
  },
  {
   "slug": "rbi-rules-on-margin-money",
   "term": "RBI rules on margin money",
   "full_form": "Which minimum margins the Reserve Bank of India fixes, and which it leaves to banks",
   "one_line": "RBI fixes a minimum margin only for home loans, gold and silver loans, and loans against securities.",
   "url": "https://bankpulse.ai/academy/rbi-rules-on-margin-money",
   "plain_text": "https://bankpulse.ai/academy/rbi-rules-on-margin-money.md",
   "data": "https://bankpulse.ai/academy/rbi-rules-on-margin-money.json",
   "related": [
    "ltv",
    "own-contribution-margin-money",
    "how-to-verify-own-contribution",
    "parallel-funding",
    "foir"
   ],
   "checked_by_a_person": false
  },
  {
   "slug": "reducing-balance-vs-flat-rate",
   "term": "Reducing balance rate and flat rate",
   "full_form": "Reducing balance interest rate and flat interest rate",
   "one_line": "A reducing balance rate charges interest on what is still owed; a flat rate charges it on the whole loan.",
   "url": "https://bankpulse.ai/academy/reducing-balance-vs-flat-rate",
   "plain_text": "https://bankpulse.ai/academy/reducing-balance-vs-flat-rate.md",
   "data": "https://bankpulse.ai/academy/reducing-balance-vs-flat-rate.json",
   "related": [
    "emi",
    "moratorium-and-pre-emi",
    "step-up-emi",
    "bullet-payment",
    "foir"
   ],
   "checked_by_a_person": false
  },
  {
   "slug": "step-up-emi",
   "term": "Step-up EMI",
   "full_form": "Step-up Equated Monthly Instalment",
   "one_line": "A step-up EMI starts below the normal EMI and rises by a fixed step at set times, usually every year.",
   "url": "https://bankpulse.ai/academy/step-up-emi",
   "plain_text": "https://bankpulse.ai/academy/step-up-emi.md",
   "data": "https://bankpulse.ai/academy/step-up-emi.json",
   "related": [
    "foir",
    "ltv",
    "bullet-payment",
    "inir"
   ],
   "checked_by_a_person": false
  },
  {
   "slug": "tol-tnw",
   "term": "TOL/TNW",
   "full_form": "Total Outside Liabilities to Tangible Net Worth",
   "one_line": "TOL/TNW compares every rupee a business owes to outsiders with the real, tangible worth of its owners.",
   "url": "https://bankpulse.ai/academy/tol-tnw",
   "plain_text": "https://bankpulse.ai/academy/tol-tnw.md",
   "data": "https://bankpulse.ai/academy/tol-tnw.json",
   "related": [
    "debt-equity-ratio",
    "current-ratio",
    "working-capital-cycle"
   ],
   "checked_by_a_person": false
  },
  {
   "slug": "working-capital-cycle",
   "term": "Working capital cycle",
   "full_form": "Operating cycle or cash conversion cycle",
   "one_line": "The working capital cycle is the number of days between paying for raw material and collecting cash from the customer.",
   "url": "https://bankpulse.ai/academy/working-capital-cycle",
   "plain_text": "https://bankpulse.ai/academy/working-capital-cycle.md",
   "data": "https://bankpulse.ai/academy/working-capital-cycle.json",
   "related": [
    "own-contribution-margin-money",
    "bullet-payment",
    "foir"
   ],
   "checked_by_a_person": false
  }
 ],
 "checked_by_a_person": [],
 "under_review": [
  "amortisation-schedule",
  "bullet-payment",
  "current-ratio",
  "debt-equity-ratio",
  "dscr",
  "eligibility-calculation-step-by-step",
  "emi",
  "foir",
  "foir-vs-inir",
  "how-to-verify-own-contribution",
  "income-multiplier-method",
  "inir",
  "ltv",
  "moratorium-and-pre-emi",
  "net-take-home-income",
  "own-contribution-margin-money",
  "parallel-funding",
  "rbi-rules-on-margin-money",
  "reducing-balance-vs-flat-rate",
  "step-up-emi",
  "tol-tnw",
  "working-capital-cycle"
 ]
}