Why do I need to add lenders manually?

SigmaDSA ships with a default lender catalogue covering the major banks, but every tenant has a unique panel — your tie-ups, your commission slabs, your RMs. Adding a lender here unlocks it in the Add Bank Login dropdown and the lender-matching engine.

What's the difference between Lenders and Products?

A **Lender** is the institution (HDFC Bank, Bajaj Finserv, etc.). A **Product** is a specific offering from that lender — HDFC Home Loan, HDFC Home Loan Plus, HDFC LAP — each with its own commission slab, eligibility, ROI band. One lender has many products.

How does Active vs Inactive work?

Active lenders show in the Add Bank Login dropdown and the lender-matching engine. Inactive lenders are hidden but their historical files keep working — useful when a panel tie-up ends but you still want to track past disbursals.

Where are commission slabs set?

Inside each lender's products. Open a lender row → Products → click a product → Commission Slabs. Slabs are typically by loan amount band (e.g., 0.5% on ₹0–25 L, 0.4% on ₹25–50 L) and can be configured per-loan-type.

Lenders — SigmaDSA Help

Lender Management in SigmaDSA — the master list of banks, NBFCs, HFCs, and fintechs you submit files to. Configure products, commission slabs, RM contacts, and per-lender eligibility rules.

The Lender Management page is the master list of every bank, NBFC, HFC, and fintech you submit files to. Each lender entry holds the basic contact info, the products you can submit, the commission slabs that drive your payout calculations, and the RM directory used for routing files.

Lender Management page with Add Lender button and the lender table highlighted — Lender Management: (1) Add Lender, (2) lender table, (3) per-row Actions.

What's on the page

Add Lender button — opens the modal to add a new lender to your panel.
Lender table — one row per lender on your panel, with key fields.
Per-row Actions — Edit, Manage Products, Deactivate, View Files.

Table columns

Column	What it shows
Lender Name	Full official name (e.g., "HDFC Bank Limited").
Short Name	Display name in dropdowns (e.g., "HDFC").
Type	Bank / NBFC / HFC / Fintech / Other — drives category filters in Add Bank Login.
Contact Person	Default RM name for the lender (overridable per file).
Email	Default RM email.
Products	Count of configured products. Click to manage.
Status	Active / Inactive.
Actions	Edit, Manage Products, Activate/Deactivate.

Adding a lender

Click Add Lender to open the modal. You'll capture:

Lender Name — full official name.
Short Name — what users see in dropdowns.
Type — Bank, NBFC, HFC, Fintech.
Default Contact Person + Phone + Email — the primary RM. Per-file overrides happen on the Bank Login row.
Address — head office; used on lender correspondence templates.
Active — start active unless you're staging it.

After save, the lender shows on the list and is available in Add Bank Login on file submissions.

Products: where commission lives

Each lender has one or more Products (configured under Actions → Manage Products on the lender row). A Product captures:

Product Name — e.g., "HDFC Home Loan".
Loan Type — Home Loan, Personal Loan, LAP, Business, etc.
Commission Slabs — array of { minAmount, maxAmount, percentage } rows. Drives the auto-computed commission on the Disbursal modal.
Eligibility Rules — min CIBIL, max FOIR, employment type filters. Used by the lender-matching engine on the Credit Evaluation tab.
Default ROI band + Processing Fee % — pre-fill on sanction modals.

How lenders connect to the rest of SigmaDSA

Where used	What
Add Bank Login modal	Active lenders show in the search/dropdown.
Lender matching (Credit Evaluation)	Eligibility rules per product evaluated against the file.
Disbursal modal	Commission % auto-fills from the Product's slabs.
Payouts module	Aggregates expected commissions per lender per month.
Reports → Lender Performance	Conversion / pending / paid by lender.

Common flows

New tie-up signed → Add Lender → Manage Products → add each product with its commission slab → save. Lender is now bookable.
Commission slab renegotiated → open the lender → Manage Products → edit the slab → save. Future disbursals use the new rate; past ones keep the rate from when they were created.
Tie-up ended → open the lender → Deactivate. Historical files stay, the lender drops out of Add Bank Login.

Lenders