Can a file have multiple sanctions?

Yes. If you submit to several banks and more than one sanctions, each sanction is recorded as a separate row on the Sanctions tab. You then *Mark Accepted* on the one (or two) you want to go with, and *Mark Rejected* on the rest. Tracking all of them is useful when an accepted sanction expires and you need to fall back to a different lender.

Does the disbursed amount have to match the sanctioned amount?

No — banks often disburse in tranches (especially construction-linked Home Loans). Each disbursal is its own record. Sum of all disbursal rows for a sanction is the *Disbursed Amount* on the file's loan summary.

How does commission tracking work?

Each disbursal row has a Commission field — either entered in ₹ or computed as a % of the disbursed amount. The amount feeds the Commission counter on the Files dashboard and rolls into the Payouts module for monthly payout reconciliation with each bank.

What if the sanction letter expires before disbursal?

Edit the sanction row and change status to *Expired*. The bank will need to re-evaluate. Most banks renew on a one-page revalidation if it's within 30 days of expiry; longer than that and a full re-evaluation kicks in.

Track sanctions and disbursals — SigmaDSA Help

How to record sanction letters, accept the best offer, capture pre-disbursal conditions, and log disbursals (with PF, GST, commission) on a SigmaDSA loan file.

After a file's been submitted to banks, two of the most important events you'll log are sanctions (bank says "approved, here are the terms") and disbursals (money actually hit the customer's account). SigmaDSA separates the two because the time gap can be days to weeks, the figures can differ, and the commission you earn is tied to disbursal not sanction.

Step 1 — Record a sanction

Sanctions tab showing one sanction record — The Sanctions tab — one row per sanction letter received.

From the file detail page header, click Actions → Record Sanction. The Record Sanction modal opens with the sanction-letter fields organised into four rows.

Record Sanction modal with five numbered regions highlighted — Record Sanction: (1) Lender + Sanctioned Amount, (2) ROI + Tenure + EMI, (3) Sanction Date + Valid Until + Commission %, (4) Processing Fee + First EMI Date, (5) Record Sanction button.

Capture the letter

Fill the fields from the sanction letter:

Field	Source on the letter
Lender	Bank logo / letterhead
Sanctioned Amount	"Loan sanctioned: ₹…"
ROI	"Rate of Interest: …% p.a."
Tenure	"Tenure: … months"
EMI	Either stated, or auto-computed by SigmaDSA from amount + ROI + tenure
Processing Fee	One-time PF charge
Validity	"This sanction is valid until …"
Conditions	Pre-disbursal conditions section

If you upload the sanction letter PDF first (to the Documents tab), the OCR extracts most of these and you just confirm.

Save → stage moves to Sanctioned

Click Save. The new sanction shows on the Sanctions tab and the file's stage auto-advances to Sanctioned (if it isn't there already).

Step 2 — Accept the best offer

If multiple lenders sanctioned, you'll have multiple rows on the Sanctions tab. Compare ROI, tenure, PF, conditions. On the row you want to go with, click Mark Accepted. Click Mark Rejected on the others (or Withdraw if you're keeping them as fallback).

You can also accept two sanctions in parallel for a split loan (e.g., one bank for the main home loan + another for a top-up).

Step 3 — Record the disbursal

Disbursals tab empty state with Record Disbursal CTA — The Disbursals tab — every disbursal event lands here with PF / GST / commission tracked.

From the file detail page header, click Actions → Record Disbursal. The Record Disbursal modal opens. The form is laid out in six numbered regions, each capturing one type of information.

Record Disbursal modal with six numbered regions highlighted — Record Disbursal: (1) Sanction to disburse against, (2) Disbursed Amount + Date + Mode, (3) UTR + Bank + Account, (4) Fees & deductions, (5) Lender commission, (6) Record Disbursal button. Partner DSA payouts and additional commissions live below the visible viewport.

Capture the disbursal details

Field	What goes here
Disbursed Amount	Net amount credited to the customer (sanction minus PF, GST, insurance deductions).
Disbursal Date	The date money hit the customer's account.
Bank Reference / UTR	The reference number from the bank's NEFT/RTGS notification.
Processing Fee	Already on sanction, but re-capture if final value differs.
GST	18% of processing fee. SigmaDSA auto-computes.
Insurance / Other Deductions	Any other charges deducted at disbursal.
Commission Amount	What you'll receive from the bank for this file. Either ₹ or % of disbursed amount.
Commission Status	Pending / Received / In dispute.

Save → file moves to Disbursed

After saving the first disbursal record on the file, the stage flips to Disbursed. The file's loan summary cards on the Overview tab update — Disbursed Amount, Commission counter, Bank fields.

Subsequent tranches (for construction-linked Home Loans, for example) add additional rows on the Disbursals tab without changing the stage.

Multi-tranche disbursals

Home Loans for under-construction property often disburse in 3–5 tranches matched to construction milestones:

Tranche	Trigger
1 — Foundation	Plinth-level construction certificate
2 — Slab	First-slab certificate from builder
3 — Brickwork	Wall + brickwork stage
4 — Finishing	Plastering + finishing
5 — Possession	OC / completion certificate

Add a Disbursal row per tranche. The file's Disbursed Amount sums all rows; remaining sanction = sanctioned − sum(disbursed).

Commission tracking and payouts

Each Commission Amount + Commission Status entered here rolls into the Payouts module. Reconcile bank-side payout statements against your disbursal records once a month — anything marked Pending with a disbursal date older than your tenant's payout cycle (typically 30–45 days) auto-flags for follow-up.

Track sanctions and disbursals