# SigmaDSA

> SigmaDSA is an AI-powered Loan CRM for DSAs (Direct Selling Agents) and loan partners in India. It captures leads from every channel (web, WhatsApp, calls, partners), runs them through an automated workflow (KYC, credit evaluation, bank submission, sanction, disbursal), and tracks commissions across panel lenders.

Built on .NET 10 (ABP Framework) + MongoDB on the backend, Angular 21 + Lepton X on the frontend. Hosted at app.sigmadsa.com.

## Marketing pages

- [Home](https://sigmadsa.com/): SigmaDSA overview, hero, key features, pricing teaser, demo request.
- [Pricing](https://sigmadsa.com/pricing): Three editions — SigmaDSA CRM, SigmaDSA AI, Enterprise. Per-user pricing.
- [About SigmaDSA](https://sigmadsa.com/about): Company background, founder story, mission.
- [Contact](https://sigmadsa.com/contact-us): Sales contact form and support details.
- [Custom plan request](https://sigmadsa.com/custom-plan): Form to request a tenant-specific plan.
- [Sign up](https://sigmadsa.com/register): Tenant signup → payment → onboarding wizard.

## Features

- [Lead Management](https://sigmadsa.com/features/lead-management): Automatically capture leads from your website, WhatsApp, referrals and marketing campaigns. AI scores each lead and assigns it to the right team member — so nothing falls through the cracks.
- [File Processing](https://sigmadsa.com/features/file-processing): 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.
- [AI Employee on WhatsApp](https://sigmadsa.com/features/whatsapp-automation): The same AI Employee that powers your CRM is available on WhatsApp. Customers get instant replies to loan queries. Your team searches leads, checks file status, and schedules callbacks — all without leaving WhatsApp.
- [Smart Dashboard](https://sigmadsa.com/features/smart-dashboard): Real-time KPIs, pipeline charts, commission summaries, today's follow-ups, team tasks, and a live activity feed — all on one screen. Make data-driven decisions in seconds, not hours.
- [Customized Website](https://sigmadsa.com/features/customized-website): Get a fully branded, SEO-optimized website for your DSA business — with 9 professional templates, lead capture forms, EMI calculators, and AI-generated content. No designers, developers, or technical knowledge needed.
- [Branded Email Service](https://sigmadsa.com/features/branded-email): Send loan updates, document requests, and marketing campaigns from your own branded email (you@yourdomain.com). Powered by Stalwart Mail with full IMAP/SMTP support and Outlook integration.
- [AI Employee](https://sigmadsa.com/features/ai-employee): Your AI Employee knows every lead, every file, every deadline. Ask it anything — eligibility, next steps, best bank match — and get instant answers. It drafts replies, triggers follow-ups, and completes tasks while your team sleeps.
- [AI Document Scanner](https://sigmadsa.com/features/document-scanner): Stop chasing customers for missing documents. AI scans every upload, auto-detects document type, extracts key data, and flags what's missing — then sends a WhatsApp reminder to the customer automatically.
- [Bank Statement Analyzer](https://sigmadsa.com/features/bank-statement-analyzer): Upload any bank statement and watch AI extract every transaction, calculate average bank balance, DSCR, FOIR, and EMI obligations automatically. No more spreadsheets. No more errors. Just instant, accurate eligibility assessment.
- [Callback Management](https://sigmadsa.com/features/callback-management): Every missed callback is a deal lost to a competitor. SigmaDSA auto-schedules follow-ups, sends WhatsApp reminders to your team, and escalates overdue callbacks — so no lead ever falls through the cracks.

## Help center

End-user documentation for the SigmaDSA Loan CRM application (app.sigmadsa.com).

- [Welcome to SigmaDSA Help](https://sigmadsa.com/help): Guides, tutorials, and video walkthroughs to help you close more loans with SigmaDSA.

### Getting Started

- [AI Features](https://sigmadsa.com/help/getting-started/ai-features): Tour of the SigmaDSA AI Employee — document upload triggers OCR + Bank Statement Analyzer + GST parser automatically; extracted fields land on each document with confidence scores, and a one-click Assign sends each value to the right applicant or co-applicant field.
- [Sign in and tour the dashboard](https://sigmadsa.com/help/getting-started/dashboard-tour): A two-minute walkthrough of the SigmaDSA home screen — KPIs, charts, and where to find every feature.
- [Quick WhatsApp + Telegram setup](https://sigmadsa.com/help/getting-started/quick-bot-setup): Connect WhatsApp Business via Meta Embedded Signup, create a Telegram bot with BotFather, link your personal Telegram, and customize the auto-sent notification templates. Roughly 30 minutes end-to-end.
- [Quick Start — first 30 minutes](https://sigmadsa.com/help/getting-started/quick-start): Set up a fresh SigmaDSA tenant end-to-end — Branding, Email Domain, Email Accounts, Roles, Users, and your first lead. The complete onboarding path with rough timings for each step.

### Leads

- [Assign a lead to a team member](https://sigmadsa.com/help/leads/assign-lead): Two ways to assign or reassign a lead in SigmaDSA — from the Actions menu on the Leads list, and from the Assignment card on the lead detail page.
- [Convert a lead to a loan file](https://sigmadsa.com/help/leads/convert-to-file): Promote a qualified lead into a full loan file in SigmaDSA — pre-fill loan type and amount, then track documentation, bank logins, sanctions, and disbursal.
- [Add your first lead](https://sigmadsa.com/help/leads/create-a-lead): Two-stage workflow for adding a lead in SigmaDSA — a six-field Quick Add modal followed by the full edit page for employment, income, address, and existing obligations.
- [Customize the Leads dashboard](https://sigmadsa.com/help/leads/customize): Reorder loan-category tabs, pin specific loan types, and pick which table columns appear per tab — saved per user.
- [Export leads to Excel](https://sigmadsa.com/help/leads/export-leads): Download the current filtered Leads list as an .xlsx file — every filter, search, date range, and tab is honored.
- [Import leads from Excel](https://sigmadsa.com/help/leads/import-from-excel): Bulk-upload leads from any Excel or CSV file with auto-mapping for the standard SigmaDSA columns.
- [The lead detail page](https://sigmadsa.com/help/leads/lead-detail): Tour of the SigmaDSA lead detail page — contact and loan info, activity timeline, quick actions, assignment, remarks, and conversion to a loan file.
- [Tour of the Leads dashboard](https://sigmadsa.com/help/leads/tour): Walkthrough of the SigmaDSA Leads list — category tabs, filters, table columns, row actions, and the inline status pill.

### Files

- [Assign a file to a team member](https://sigmadsa.com/help/files/assign-file): Two ways to assign or reassign a loan file in SigmaDSA — from the Actions menu on the Files list, and from the Assignment card on the file detail page.
- [Add bank logins (multi-bank submission)](https://sigmadsa.com/help/files/bank-logins): How to submit a loan file to one or more banks from SigmaDSA — picking lenders, capturing RM info, sending the document packet, and tracking each submission independently.
- [Change stage, status, or reject a file](https://sigmadsa.com/help/files/change-stage): How loan files move through stages in SigmaDSA — automatic stage transitions, manual override, within-stage status changes, and the Reject flow with reason capture.
- [Create a new file](https://sigmadsa.com/help/files/create-a-file): Two-stage flow for adding a loan file in SigmaDSA — a ten-field Create Loan File modal followed by the full edit page for KYC, employment, property, and bank-login setup.
- [Credit Evaluation](https://sigmadsa.com/help/files/credit-evaluation): Tour of the SigmaDSA Credit Evaluation editor — the nine sections (Overview, CIBIL Score, Bank Statement, Existing Loans, DSCR, BTO, GST, Documents, Credit Summary) that together produce the file's underwriting picture.
- [Bank Statement section](https://sigmadsa.com/help/files/credit-evaluation/bank-statement): The Bank Statement section of the Credit Evaluation editor — AI Bank Statement Analyzer output covering inflows, outflows, salary detection, existing EMIs, bounces, average balance.
- [BTO section](https://sigmadsa.com/help/files/credit-evaluation/bto): The BTO (Banking Turnover) section of the Credit Evaluation editor — credit/debit summation from bank statements + margin amount. Cross-validates the financials in the DSCR section.
- [CIBIL Score section](https://sigmadsa.com/help/files/credit-evaluation/cibil): The CIBIL Score section of the Credit Evaluation editor — bureau pull, score, vintage, active accounts, defaults, enquiries, and classifier output.
- [Credit Summary section](https://sigmadsa.com/help/files/credit-evaluation/credit-summary): The Credit Summary section of the Credit Evaluation editor — the final underwriting narrative. One paragraph that the relationship manager sends to the bank along with the application packet.
- [Documents section (Credit Eval)](https://sigmadsa.com/help/files/credit-evaluation/documents): The Documents section within the Credit Evaluation editor — credit-eval-specific documents (ITRs, GST returns, bank statements, financials) that drive the other sections.
- [DSCR section](https://sigmadsa.com/help/files/credit-evaluation/dscr): The DSCR (Debt Service Coverage Ratio) section of the Credit Evaluation editor — turnover, profit after tax, cash accruals, total debt service. Used for self-employed and business loans.
- [Existing Loans section](https://sigmadsa.com/help/files/credit-evaluation/existing-loans): The Existing Loans section of the Credit Evaluation editor — every running EMI obligation the applicant has, with lender, type, outstanding, EMI, and months remaining. Feeds the FOIR / DSCR denominator.
- [GST section](https://sigmadsa.com/help/files/credit-evaluation/gst): The GST section of the Credit Evaluation editor — GST returns analysis covering annual + 12-month turnover, tax paid, and filing consistency. Used for self-employed and business loans.
- [Overview section](https://sigmadsa.com/help/files/credit-evaluation/overview): The Overview section of the Credit Evaluation editor — Business Identity, Loan Details, Business Details, and Internal flags. The applicant + file basics every underwriting decision starts from.
- [Customize the Files dashboard](https://sigmadsa.com/help/files/customize): Reorder loan-category tabs, pin specific loan types, and pick which table columns appear per tab — saved per user.
- [Export files to Excel](https://sigmadsa.com/help/files/export-files): Export the SigmaDSA Files list to Excel — current filter, current columns, current sort. Use for management reports, bank submissions in bulk, lender reconciliations, or external CRM imports.
- [Tour of file details page](https://sigmadsa.com/help/files/file-detail): Tour of the SigmaDSA file detail page — header, stage stepper, tabs strip, applicant info, loan details, workflow summary, plus how each tab fits into the full file lifecycle.
- [Activity tab](https://sigmadsa.com/help/files/file-detail/activity-tab): Chronological audit log of every action taken on the file — stage transitions, status changes, bank logins, sanctions, disbursals, comments, document uploads, and reassignments.
- [Bank Logins tab](https://sigmadsa.com/help/files/file-detail/bank-logins-tab): Tour of the Bank Logins tab on the file detail page — per-lender submission rows, status, RM contact, query threads, and how to add or sanction directly from this tab.
- [Credit Evaluation tab](https://sigmadsa.com/help/files/file-detail/credit-evaluation-tab): Tour of the Credit Evaluation tab — FOIR/DSCR calculations, existing loan obligations, AI Bank Statement Analyzer output, and lender-matching scores.
- [Disbursals tab](https://sigmadsa.com/help/files/file-detail/disbursals-tab): Tour of the Disbursals tab — every disbursal event on the file with date, amount, commission earned, mode, and supporting reference.
- [Documents tab](https://sigmadsa.com/help/files/file-detail/documents-tab): Tour of the Documents tab — every KYC, income, and property document uploaded to the file, with OCR-extracted fields and per-bank export.
- [File Details tab](https://sigmadsa.com/help/files/file-detail/file-details-tab): The File Details tab is the full edit page for a file — applicant identity, co-applicants, employment, address, property or vehicle, existing obligations, and file settings.
- [Sanctions tab](https://sigmadsa.com/help/files/file-detail/sanctions-tab): Tour of the Sanctions tab — every sanction letter received on the file with amount, lender, ROI, tenure, conditions, and acceptance status.
- [Track sanctions and disbursals](https://sigmadsa.com/help/files/sanctions-disbursals): 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.
- [Tour of the Files dashboard](https://sigmadsa.com/help/files/tour): Walkthrough of the SigmaDSA Files list — category tabs, bank-logins column, stage pill, row actions, and how files move through Documentation → Sanction → Disbursal.
- [Upload documents to a file](https://sigmadsa.com/help/files/upload-documents): Step-by-step guide to uploading KYC, income, and property documents to a loan file in SigmaDSA — single upload, bulk drag-and-drop, OCR extraction, AI Bank Statement Analysis, and verification.

### Admin

- [Admin](https://sigmadsa.com/help/admin): The SigmaDSA Admin section — Users, Roles, Loan Types, Lead Sources, Document Types, Notifications, WhatsApp Setup, Telegram Bots, Webhooks. Tenant-level configuration controlled by admin users.
- [Document Types](https://sigmadsa.com/help/admin/document-types): Configure the file checklist in SigmaDSA — PAN, Aadhaar, Bank Statement, ITR, Salary Slip, etc. Mark which types need a date range (last N months) and which need AI analysis (Bank Statement Analyzer, OCR).
- [Lead Sources](https://sigmadsa.com/help/admin/lead-sources): Configure the channels leads come into SigmaDSA from — Walk-in, Referral, Phone Call, Web Form, WhatsApp, partner names, etc. Drives the Source filter on the Leads board and the per-source ROI reports.
- [Loan Types](https://sigmadsa.com/help/admin/loan-types): Manage the loan product catalogue in SigmaDSA — Personal Loan, Home Loan, Business Loan, LAP, etc. Each loan type has its own code, display order, icon, color, and category that drives the entire workflow.
- [Notification Logs](https://sigmadsa.com/help/admin/notification-logs): Audit trail of every notification SigmaDSA has tried to send — date, channel, recipient, trigger event, the referenced record, status (Sent / Delivered / Read / Failed), and failure reason where applicable.
- [Notifications](https://sigmadsa.com/help/admin/notifications): Manage email, WhatsApp, and SMS notification templates in SigmaDSA — define when messages fire, who receives them, what the body says, and which variables are interpolated. WhatsApp templates sync to Meta for approval.
- [Roles](https://sigmadsa.com/help/admin/roles): Create reusable permission bundles in SigmaDSA — Sales, Operations, Manager, Admin. Set roles as Public so they appear in the user-assignment dropdown. Bulk-edit permissions at the role level instead of per-user.
- [Telegram Bots](https://sigmadsa.com/help/admin/telegram): Set up a Telegram bot for your tenant — create the bot with BotFather, add the token to SigmaDSA, then each team member links their personal Telegram account so the bot acts on their behalf with their permissions.
- [Users](https://sigmadsa.com/help/admin/users): Create and manage SigmaDSA user accounts — username, password, profile, role assignment, and per-user permission overrides. Permissions guide for lockout, deactivation, and role inheritance.
- [WhatsApp Setup](https://sigmadsa.com/help/admin/whatsapp): Connect your WhatsApp Business Account to SigmaDSA via Meta's Embedded Signup — no manual developer portal work. Once connected, customers can start loan inquiries via WhatsApp and your team can interact with the CRM through natural-language chat.

### Callbacks

- [Callbacks](https://sigmadsa.com/help/callbacks): The Callbacks board in SigmaDSA — scheduled customer call-backs, filtered by status (Pending, Overdue, Rescheduled, Completed) and loan type. Mark Complete, Reschedule, or Mark Missed inline.
- [Add a callback](https://sigmadsa.com/help/callbacks/new): Step-by-step guide to scheduling a new callback in SigmaDSA — pick the linked lead or file, set date/time, capture customer details, priority, and remarks.

### Lenders

- [Lenders](https://sigmadsa.com/help/lenders): 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.
- [Add a lender](https://sigmadsa.com/help/lenders/new): Step-by-step guide to adding a new lender (bank, NBFC, HFC, fintech) to your SigmaDSA panel — basic identity, partnership details, RM contact, and branch.

### Partners

- [Partner DSAs](https://sigmadsa.com/help/partners): Partner DSAs (connectors) in SigmaDSA — the sub-channel partners who source leads and files for your DSA. Capture contact info, KYC, bank details, default commission split, and track per-partner performance.
- [Add a partner DSA](https://sigmadsa.com/help/partners/new): Step-by-step guide to onboarding a new sub-channel partner (connector) in SigmaDSA — identity, contact, default split, address, KYC, and bank account for payouts.

### Reports

- [Reports Dashboard](https://sigmadsa.com/help/reports): The SigmaDSA Reports Dashboard — top-line KPIs, monthly trends, file pipeline, lender performance, commission breakdown, plus quick links to eight detailed reports.
- [Callbacks Report](https://sigmadsa.com/help/reports/callbacks): Callback status and follow-up tracking — pending vs missed vs completed, per-user performance, overdue queue, callback-to-conversion ratio.
- [Commissions Report](https://sigmadsa.com/help/reports/commissions): Commission earnings and payouts — earned vs received vs pending, per-lender + per-product split, payout aging, partner DSA payouts.
- [Disbursals Report](https://sigmadsa.com/help/reports/disbursals): Disbursement trends and amounts — monthly disbursed volume, per-lender + per-product split, top performers, multi-tranche tracking.
- [Files Report](https://sigmadsa.com/help/reports/files): Loan files and stage-wise analysis — pipeline distribution, aging by stage, owner performance, and stuck-file identification.
- [Leads Report](https://sigmadsa.com/help/reports/leads): Lead pipeline and conversion analysis — leads by source, status distribution, conversion funnel, and aging by stage.
- [Login Files Report](https://sigmadsa.com/help/reports/logins): Files logged in with lenders — submission volume per lender, query-response time, average time from login to sanction, and stuck-login detection.
- [Rejects Report](https://sigmadsa.com/help/reports/rejects): Rejected files analysis — rejection volume, category breakdown, per-lender rejection rate, salvage opportunities.
- [Sanctions Report](https://sigmadsa.com/help/reports/sanctions): Approved sanctions and amounts — sanctioned volume per lender, average sanctioned-to-requested ratio, ROI/tenure distribution, and time-from-login.

### Setup

- [Setup](https://sigmadsa.com/help/setup): The SigmaDSA Setup section — branding, public website, email domain, email accounts, DNS records. Configure your tenant's customer-facing presence and email infrastructure.
- [Branding](https://sigmadsa.com/help/setup/branding): Upload your firm's logos to brand the SigmaDSA CRM — expanded sidebar logo, collapsed icon, favicon. Replaces the default SigmaDSA branding for your team's view.
- [DNS & Domain](https://sigmadsa.com/help/setup/dns): The DNS records you need to add at your domain registrar (GoDaddy, Cloudflare, Namecheap, etc.) to wire up your public website and custom email domain. Click Verify All once the records are live.
- [Email Accounts](https://sigmadsa.com/help/setup/email-accounts): Create per-user mailboxes on your custom email domain (`user@yourdsa.com`). Includes IMAP/SMTP server details for connecting Outlook, Gmail, and Apple Mail.
- [Email Domain](https://sigmadsa.com/help/setup/email-domain): Configure a custom email domain in SigmaDSA so your team sends and receives at `user@yourdsa.com`. Powered by Stalwart Mail Server, with auto-generated DNS records you paste at your registrar.
- [Website](https://sigmadsa.com/help/setup/website): Build and publish your DSA's public marketing site in three steps — generate content with AI, add your domain, publish from settings. Pick from 9 design templates, configure Home/About/Contact/EMI Calculator pages, manage SEO.

### Tasks

- [My Tasks](https://sigmadsa.com/help/tasks): The My Tasks board in SigmaDSA — auto-generated tasks for new lead assignments, callbacks, document chases, and bank follow-ups. Each task has a status, due date, priority, and one-click "Done".
- [Create a new task](https://sigmadsa.com/help/tasks/new): Step-by-step guide to creating a new task in SigmaDSA — title, description, due date, priority, category, and optional link to a lead or file.

## Application

- [SigmaDSA Loan CRM](https://app.sigmadsa.com/): The actual application (sign-in required).
- [API docs](https://api.sigmadsa.com/swagger): Swagger UI for the public API.