Origination
From enquiry to first drawdown
The same file whether you register online or walk into a port branch.
- Register or walk-in Create a portal login, or a lead clerk captures the enquiry at the branch.
- Qualify & convert The sales supervisor qualifies the lead. The relationship officer converts it to an application.
- KYC CKYC pack (COI, PAN, GST) on the KYC desk before the file moves.
- Appraisal Technical (DPR, site) and financial (DSCR / IRR under Base, Optimistic, Conservative, Stress).
- Risk & sanction Risk review, then committee or credit head. The sanction letter states amount, rate, tenor, security and charges.
- Disburse & service Legal and security, then first drawdown. Service the loan from the customer portal.