Track every loan file through a 9-stage pipeline — from documentation to disbursal. AI auto-checks documents, extracts data, calculates eligibility, and flags what's missing. Your team processes 2x more files with half the effort.
Every loan file moves through a clearly defined pipeline: Documentation → Credit Evaluation → Login Pending → Logged In → Under Process → Credit Approved → Sanctioned → Disbursal Pending → Disbursed. Each stage has dedicated sub-statuses so you always know exactly where a file stands.
Upload a document and AI takes over. Using Azure Document Intelligence, OCR vision, and GPT-4o-mini, the system extracts key fields — names, PAN numbers, income figures, addresses — with confidence scores. Digital PDFs are parsed directly; scanned documents go through OCR. Extracted data feeds directly into eligibility calculations.
The moment financial documents are uploaded, SigmaDSA automatically runs the right eligibility calculation based on employment type and loan category. Self-employed applicants get DSCR analysis from ITR and balance sheets. Salaried applicants get FOIR from salary slips. Secured loans get LTV from property valuations. No manual Excel formulas needed.
When a file is ready for submission, select from your configured lenders. Each lender has products with eligibility criteria — CIBIL score requirements, FOIR limits, business vintage minimums, loan amount ranges. The system recommends best-fit lenders based on the applicant's profile. Track bank queries, responses, and approval status throughout.
From sanction to disbursal to commission — track every rupee. Record sanction amounts, disbursal tranches (partial or full), and disbursement modes (RTGS, NEFT, Cheque). Commission is auto-calculated from lender-specific slabs based on loan amount and type. Track status from Pending → Claimed → Received → Settled with payment references.
Every loan file supports a primary applicant and multiple co-applicants. Each applicant has complete KYC (PAN, Aadhaar), employment details, business information, and bank account details. Director KYC, CIBIL reports, and existing loan EMIs are tracked separately for comprehensive credit assessment.
