• Loan CRM Group: Assigns the Loan Officer and Loan Manager after a loan inquiry is created and sends notification alerts to both assigned users.
• Loan Officer: Handles loan inquiries and creates loan requests. Has access to lead details and basic document checks.
• Loan Manager: Reviews and approves loan requests, confirms loans, and sends agreements to borrowers. Can manage processing and approval stages.
• Loan Accountant: Manages accounting entries, disbursement details, installment lines, penalties, and loan closure.

• Loan Administrator: Full access to configure loan types, documents, agreements, and assign roles. Oversees the full loan process.

• When a borrower submits their loan application through the website, a Loan Inquiry record is automatically created in the system.

• Once the inquiry is received, a Loan Officer and Loan Manager can be assigned to handle the request. The assigned Loan Officer can review the details and convert the inquiry into a formal Loan Request.

• The Loan Officer can send an email to the borrower requesting the required documents for further processing. The borrower receives a secure link to upload the necessary files.

• Once uploaded, the Loan Officer can review and collect all submitted documents directly from the system.

• Once all required documents are reviewed, the Loan Officer sends an approval request to the Loan Manager.
• The Loan Manager evaluates the loan details and confirms whether the borrower is eligible for the loan.

• The Loan Manager also cross-verifies all submitted documents to ensure compliance before proceeding to the agreement stage.

• After loan approval, the Loan Manager reviews the agreement and signs it digitally using their system credentials.

• Once signed, the system sends the agreement to the borrower via a secure link for further review and acceptance.

• After the loan agreement is signed, assign a Loan Accountant to manage all accounting and financial entries related to the loan.

• The Loan Accountant handles journal entries, installment tracking, and ensures accurate financial records.

• Select appropriate accounting configurations to link the loan with financial accounts. Once set, disburse the loan amount to the borrower’s account securely.

• Once the loan is marked as open, then generates the installment schedule. A scheduler runs monthly to send payment reminders to the borrower.

• If a payment is missed, penalty charges are applied based on the overdue amount and duration.

• When all installments and penalties are fully paid, the loan can be marked as closed. This finalizes the loan account and stops further reminders or penalties.

• A No Objection Certificate (NOC) can be generated for the borrower as proof of loan closure.

Go to the Loan Inquiry section on the website.
Enter borrower details like name, contact, income, etc.
Optionally add co-borrower information.
Select a loan type and enter a loan amount within the allowed range.
The system auto-calculates eligible tenure, interest type, and fees.

• After filling the form, click Preview to see EMI calculation.
• You’ll see a breakdown of:

​Monthly EMI
​Principal & Interest split
​Processing fees
​Total repayment amount

• This helps you understand the total cost before final submission
• Click Submit to finalize the inquiry.

• System generates login credentials for borrower and co-borrower.

• Use the login credentials you received after submitting your loan inquiry.
• Go to the portal login page and enter your username and password.
• After login, click on the My Loan menu from the sidebar.
• This shows a list of your loan applications.
• Click on an active loan record to open its detailed overview.
  
  The Loan Overview Panel gives a quick summary of your loan:
  ​Outstanding Amount: Total amount remaining to be paid
  ​Interest Rate: As per loan agreement
  ​Months Left: Remaining tenure of the loan
  ​Monthly EMI: Fixed monthly installment amount
  ​Next Due Date: Upcoming EMI payment date
  ​Loan Manager: Name and contact of your assigned manager
  You can also access loan services like EMI cycle change, part payment, interest certificate, and more from this panel.

• Download an official certificate showing total interest paid till date for your loan.

• View or download your full EMI schedule showing principal, interest, and due dates for each installment.

• After full repayment, download a digitally signed No Objection Certificate (NOC) for your loan closure.

• Request to change your EMI payment date (e.g., 5th to 10th) as per your convenience.

• Submit a request to update the bank account used for EMI payments.

• Make a lump sum part payment to either reduce your monthly EMI or shorten your loan tenure.

• Pay your missed or pending EMIs from the portal with a real-time due summary.

• If your loan is in Draft or Confirmed stage (before approval), you can cancel the request by paying the processing fee (if applicable).

• Once eligible based on your loan settings, you can choose to repay the entire remaining loan amount in one payment.

• This helps you close your loan early and reduce total interest payable.

• Define and manage different types of loans with configurable rules and settings. The system comes with default loan types such as Home Loan and Personal Loan to get started quickly.
  ​Set interest rate and mode (Flat or Reducing).
  ​Configure minimum/maximum tenure and amount.
  ​Enable processing fee (fixed or percentage).
  ​Allow part payments with limits.
  ​Control lump sum payment timing.
  ​Attach required documents like ID proof, income proof, and property papers.

• Add required documents and link them with specific loan types. Select documents as mandatory if needed.
  ​Attach documents like ID Proof, Income Proof, and Property Papers.
  ​Link with loan type and control document visibility.
  ​Mark documents as mandatory for submission checks.

• Create your custom loan agreements using predefined templates as shown in the image below.
  ​Define agreement templates with dynamic placeholders.
  ​Select a template during agreement creation.
  ​Preview and send agreements with borrower signature option.