Search the Apps menu and install the Loan Management module to enable the full lending workflow.

Open Configuration > Borrower Categories to manage borrower groups such as Individual, Corporate, and SME.

Access Configuration > Eligibility Criteria to define borrower qualification rules used during loan screening.

Review the detailed settings form to configure core loan rules, workflow behavior, and accounting options.

Open a Notice Type record to edit the content of borrower reminder and overdue notice templates.

Create a checklist template that groups required proofs like identity and income documents for each loan type.

Configure the main loan type details including amount limit, tenure, borrower categories, and interest rules.

Publish a loan product on the website with a custom title, subtitle, image, and display sequence.

Borrowers can browse available loan products from the website landing page before starting an application.

The public loan request form captures borrower details, requested amount, tenure, and supporting information online.

A success message confirms that the borrower's loan request has been submitted from the website.

Website loan requests automatically create lead inquiries for follow-up by the sales or lending team.

Open a lead inquiry to review borrower details, requested loan information, and conversion actions.

Once the inquiry is qualified, create a loan request directly from the opportunity screen.

Review the internal loan request with borrower information, terms, charges, installments, and document tabs before processing.

Generate and review the processing fee invoice linked to the loan request before approval.

Move the request into the Confirm stage to unlock installment calculation and the approval workflow.

The system blocks approval until the installment schedule has been generated for the request.

Use Calculate Installment to create the repayment schedule from the approved loan terms.

View the generated installment plan with principal, interest, EMI, balance, and payment status for each period.

Track required proof documents, completion percentage, and verification status from the loan request.

Approval is prevented until all required documents are uploaded and verified to reach full completion.

Upload borrower proof files in the Loan Proof Documents tab before moving the request forward.

After supporting documents are uploaded, approve the loan request to move it to the next processing stage.

Once the loan is active, generate the formal agreement document directly from the loan record.

Use the Disburse Loan action to release the approved amount and move the request to the disbursement stage.

After disbursement, open the loan to start the repayment lifecycle and installment tracking.

From the open loan, manage each installment using Pay and View Entry actions from the repayment schedule.

Create installment changes like postponements by defining the action type, effective date, and affected terms.

The installment table is automatically recalculated after an installment change is applied.

Overdue installment penalties are added directly into the installment line based on the configured rules.

Record an advance payment by entering the payment date, journal, and prepaid amount.

Posted advance payments are reflected in the repayment schedule and outstanding balances immediately.

The loan automatically moves to Closed once every installment has been fully paid.

Analyze portfolio performance by loan type with aggregated amounts, penalties, and overdue counts.

The My Account page gives borrowers quick access to loans, invoices, agreements, and notices.

Borrowers can sort and filter their loan records from the portal loan listing page.

The portal loan detail page shows loan terms, installment history, totals, and download or print actions.

Borrowers can view, sort, and filter all generated loan agreements from the portal.

Open a loan agreement to review its details and use the Sign & Accept action.

The signature modal lets the borrower confirm identity and sign the agreement online.

After signing, the portal displays the captured signature and updates the agreement status to Signed.

The admin dashboard summarizes loan requests, approval rate, interest revenue, repayment completion, and overdue balances.