Total Applications

1,482

+14.2% from last month

Sanctioned / Approved

₹ 142.8 Cr

742 Applications (50.1%)

Under Review / Pending

418

₹ 88.4 Cr Total Pipeline

Average TAT (Turnaround Time)

3.2 Days

↓ 0.8 Days (Target 4 Days)

Applications by Workflow Stage

Live Sync

Intake & Sourcing320 (21%)

KYC & Doc Check418 (28%)

Underwriting / Credit245 (16%)

Sanction Issued310 (21%)

Disbursed189 (14%)

Product Portfolio Distribution

Home Loan (HL)

Ticket Size: ₹35L - ₹2.5Cr • High Value

₹ 98.4 Cr

Auto / Vehicle Loan (AL)

Ticket Size: ₹5L - ₹25L • Instant Sanction

₹ 28.6 Cr

Education Loan (EL)

Ticket Size: ₹10L - ₹75L • Priority Sector

₹ 15.8 Cr

Applications Pipeline

Real-time status of all active retail loan applications

	App ID	Borrower Name	Product	Requested Amt	Bureau Score	Stage	Assigned Officer	Aging	Actions

1

Borrower & Co-Applicant

2

Employment & Income

3

Product & Collateral

4

Review & Submit

Primary Borrower Information

Full Name (as per PAN)

PAN Number

Aadhaar (Last 4 Digits)

Mobile Number

Email Address

Date of Birth

Co-Applicant / Guarantor Details

Co-Applicant Full Name

Relationship to Primary

Co-Applicant PAN

Co-Applicant Monthly Income (₹)

Employment & Monthly Income Profile

Employment Type

Employer / Firm Name

Net Monthly Take-Home Salary (₹)

Existing Fixed Monthly EMIs (₹)

Work Experience at Current Employer

Salary Credit Bank Account

Loan Product & Property/Asset Details

Select Loan Product

Requested Loan Amount (₹)

Tenure (Years)

Sourcing Channel / DSA Code

Home Loan Specific Details

Property Address / Location

Agreement / Estimate Cost (₹)

Builder / Dealer / University Name

Application Summary Review

Ananya Deshmukh

PAN: ABCDE9876F • Mobile: +91 98201 54321

Employment: Salaried @ TCS (Net: ₹1.45L / month)

Requested Product & Amount

₹ 65.0 Lakhs (Home Loan)

20 Years Tenure • FOIR Est: 36.5%

I hereby certify that the applicant has granted CIBIL/Experian bureau fetch consent and Aadhaar eKYC verification as per RBI Master Directions.

PAN Card - Primary Applicant

Uploaded by DSA (SquareYards) on 10-Aug-2026 • File: pan_card_ananya.pdf

Verified

INCOME TAX DEPARTMENT • GOVT OF INDIA

[ PHOTO ]

NAME: ANANYA DESHMUKH

FATHER: SURESH DESHMUKH

DOB: 14/06/1988

ABCDE9876F

HOME LOAN

APP-HL-2026-881 • Ananya Deshmukh

Branch: Mumbai Central • Sourcing: SquareYards DSA • Product: Home Loan Floating 8.5%

Bureau Score

782 (CIBIL)

FOIR %

36.5% (Max 55%)

LTV %

79.2% (Max 80%)

Requested Amount

₹ 65,00,000

BRE (Business Rule Engine) Assessment

BRE Auto Recommendation: APPROVE

✓

Minimum Bureau Score Check

Score 782 ≥ 700 Threshold. Clean credit history with 0 DPD in last 24 months.

✓

Fixed Obligation to Income Ratio (FOIR)

Proposed EMI (₹56,410) + Existing EMI (₹22,000) = ₹78,410 / Net Income ₹2,20,000 (Combined) = 35.6%

✓

Loan to Value (LTV) Ratio

Agreement Value ₹82,00,000. Loan ₹65,00,000 = 79.2% LTV (≤ 80% RBI Ceiling).

✓

RBI Account Aggregator (AA) Cashflow Analysis

AA Handle: ananya@onemoney • Avg Daily Balance: ₹ 1,82,400 • Net Salary Inflow: ₹ 1,45,000 • Cheque Bounces (12M): 0

Credit Counter-Offer Builder

Sanctioned Loan Amount (₹)

Interest Rate (% ROI)

Tenure (Months)

Calculated Monthly EMI

Underwriter Decisioning

Underwriter Decision Remarks

Sanction Conditions Precedent (CP)

Underwriter Audit Trail

10-Aug 10:15

Application Created by System Intake

Audit & Workflow History

Auto BRE Score Evaluated

10-Aug-2026 14:22 by System Engine

Documents Verified

10-Aug-2026 12:10 by Ops Executive (Priya N)

Lead Created via DSA Intake

09-Aug-2026 18:45 by SquareYards DSA

BORROWER REGISTRATION

User Self-Onboarding & Mobile Verification

Fast 3-step digital onboarding for retail loan applicants in India

Aadhaar / DigiLocker Ready

1

Mobile & Aadhaar Authentication

Mobile Number (Aadhaar Linked)

Enter 6-Digit OTP ✓ Mobile verified via UIDAI Gateway

2

DigiLocker Integration

Instant eKYC document retrieval directly from Govt of India DigiLocker vault.

Fetched: Aadhaar XML • PAN Record • Driving License

3

Account Profile & Consent

Set Account Password / MPIN

Authorize RBI Account Aggregator (AA) for Bank Statement fetch.

AUTOMATED eKYC & BIOMETRICS

User Identity & Document Verification Desk

Automated verification status for Borrower: Ananya Deshmukh (APP-HL-2026-881)

1. NSDL PAN Verification

PASSED

Matches NSDL Online Database

PAN: ABCDE9876F

Name Match: 100% • Status: Active

2. Aadhaar eKYC / Liveness

VERIFIED

Face Liveness Match via AI

Liveness Score: 98.4%

Aadhaar Last 4: 8821 • Address Match

3. Bank Account Verification

PENNY DROP PASS

IMPS Penny Drop Match

HDFC Bank (A/C ...4912)

Beneficiary Name Verified

Identity Verification Audit Trail

Verification Check	Provider / API Source	Input Value	API Match Result	Timestamp	Status
PAN Card Validation	NSDL Protean API	ABCDE9876F	Name: ANANYA DESHMUKH (Exact Match)	10-Aug-2026 14:15	PASS
Aadhaar OTP eKYC	UIDAI Service	XXXX-XXXX-8821	XML Digital Signature Verified	10-Aug-2026 14:16	PASS
Selfie Liveness Check	HyperVerge AI Engine	Biometric Stream	No Spoof Detected • Match Score 98%	10-Aug-2026 14:17	PASS
CIBIL Bureau Fetch	TransUnion CIBIL India	PAN + Mobile	Score: 782 • 0 DPD in 24M	10-Aug-2026 14:18	PASS

BORROWER SELF-SERVICE

Welcome back, Ananya!

Track your Home Loan application • Reference ID: APP-HL-2026-881

Lender: HDFC Bank Ltd

Loan Application Progress

✓

Application Submitted

09 Aug 2026

✓

Docs Uploaded

10 Aug 2026

3

Underwriting & Credit

In Progress

4

Sanction Letter

Pending

5

Disbursement

Pending

Pending Requirements from You

!

Upload Latest 3 Months Bank Statement

Credit officer requested PDF bank statement with netbanking password cleared.

✓

Property Allotment Letter

Verified on 10 Aug 2026

Completed

Digital Sanction & Offers

✓

Pre-Approved Offer Available!

Amount: ₹ 65,00,000 @ 8.50% p.a. ROI

SYNCFUSION EJ2 CALC ENGINE

Interactive Amortization Chart & Repayment Schedule

Visual breakdown of principal paid vs. interest liability over 20 Years (240 Months)

Loan Amount (₹)

Interest Rate (% ROI)

Tenure (Years)

Calculated Monthly EMI

₹ 56,410 / month

Total Payment Breakdown

Principal Amount₹ 65,00,000 (47.9%)

Total Interest Payable₹ 70,38,400 (52.1%)

Total Amount Payable (P + I): ₹ 1,35,38,400

Amortization Payoff Curve

Year 1 Year 5 Year 10 Year 15 Year 20

Yearly Amortization Schedule (Syncfusion EJ2 Grid Pattern)

Year	Opening Balance	Total EMI Paid (Year)	Principal Paid	Interest Paid	Closing Balance

Multi-Tenant LOS Workflow & Product Configurator

Define products, doc requirements, credit rule matrices, and approval tiers for HDFC Bank Ltd

Product Code	Product Name	Interest Rate Range	Max Tenure	Mandatory Docs	Auto BRE Engine	Status	Actions
HL-RETAIL	Home Loan (Housing / Property)	8.35% - 9.25%	30 Years	6 Requirements	Active (Rules 1-14)	Enabled
AL-AUTO	Auto / Vehicle Loan	8.90% - 10.50%	7 Years	4 Requirements	Active (Instant Auto)	Enabled
EL-STUDENT	Education Loan (Global/Domestic)	9.50% - 11.20%	15 Years	5 Requirements	Manual Credit Sync	Enabled

Borrower CRM, Referral Sourcing & Credit Simulators

Manage leads, track DSA/Customer Referral payouts, and simulate loan eligibility in real-time

Active Leads

18 Leads

Active Referral Partners

12 DSAs / Referrers

Total Referral Payouts

₹ 4,85,000

Avg Conversion Rate

42.8%

Lead Management & Referral Sourcing Board

Live Sourcing Feed

Lead ID / Name	Product	Referral Source	Stage	Estimated Loan	Actions
Karan Malhotra +91 98201-44912	Home Loan	SquareYards DSA	Contacted	₹ 85,00,000
Pooja Sundaram +91 97110-88231	Auto Loan	Existing Customer Ref	Qualified	₹ 18,50,000
Rohan Kulkarni +91 99304-11209	Education Loan	IDP Education Agent	New Lead	₹ 45,00,000

⚡ Instant Loan Eligibility & FOIR Simulator

Live Math Engine

Monthly Household Income (₹)

Existing Monthly EMIs (₹)

Expected Interest Rate (% p.a.)

Desired Loan Tenure (Years)

Max Eligible Monthly EMI (55% FOIR Cap)

₹ 99,000 / month

Maximum Loan Eligibility Output

₹ 1,15,30,773

Calculated Household FOIR: 55.0%

NEXT-GEN RETAIL LOS FOR INDIAN LENDERS

Power Your Bank's Loan Origination in Days, Not Months

Multi-tenant, high-trust Enterprise LOS for Home, Auto & Education Loans. Automated BRE rules, instant CIBIL fetch, and seamless borrower portal.

Unified Origination Across Key Indian Retail Products

Home Loans & LAP

Complete builder tie-up management, property legal/technical valuation workflows, and APF code integration.

Vehicle & Auto Loans

Dealer integration, chassis/engine number validation, RTO verification, and instant sanction generation.

Education Loans

Global university whitelist database, co-applicant income assessment, and multi-disbursement milestone tracking.

End-to-End Origination Lifecycle

1. Sourcing & Intake

→

2. eKYC & Doc Check

→

3. Credit & BRE Engine

→

4. Sanction & Offer

→

5. Disbursement