{{ a.productName }} · ₹{{ a.requestedAmount | number: '1.0-0' }} · Applied {{ a.applicationDate }} · {{ progress(a) }}% through the sanctioning workflow.
See the approval summary below for the recorded reason.
{{ a.personalDiscussionNotes }}
{{ a.productName }} is a revolving/renewable limit — repaid on demand and renewed annually, not on a fixed EMI schedule.
} @else {| Inst. No | Due Date | Opening Balance | EMI | Principal | Interest | Closing Balance |
|---|---|---|---|---|---|---|
| {{ row.installmentNo }} | {{ row.dueDate }} | ₹{{ row.openingBalance | number: '1.0-0' }} | ₹{{ row.emiAmount | number: '1.0-0' }} | ₹{{ row.principalComponent | number: '1.0-0' }} | ₹{{ row.interestComponent | number: '1.0-0' }} | ₹{{ row.closingBalance | number: '1.0-0' }} |
Received via {{ a.channel === 'BC' ? a.bcAgentName : a.channel === 'SELF_APPLY' ? 'Self-Apply (Digital)' : 'Branch' }} on {{ a.applicationDate }}.
Loading KYC record…
} @else {Last 3 years' Income Tax Returns:
@for (doc of newKycCapture.incomeProof.itr; track $index) {Must not be older than 3 months.
}Captured for this application — final Aadhaar/PAN verification happens when the customer's CBS client profile is created.
Last 3 years' Income Tax Returns:
@for (doc of newKycCapture.incomeProof.itr; track $index) {Must not be older than 3 months.
}{{ a.productName }} allows ₹{{ productLimitsFor(a)?.minAmt | number: '1.0-0' }} – ₹{{ productLimitsFor(a)?.maxAmt | number: '1.0-0' }} — this amount won't be saved until it's in range.
} @if (tenureOutOfRange(a)) {{{ a.productName }} allows {{ productLimitsFor(a)?.minTenure }}–{{ productLimitsFor(a)?.maxTenure }} months — this tenure won't be saved until it's in range.
} }Eligible Loan Amount preview: ₹{{ eligiblePreview(a) | number: '1.0-0' }}
@if (isRevolving(a)) {{{ a.productName }} is a revolving/renewable limit — repaid on demand, no fixed EMI.
} @else {Estimated EMI: ₹{{ emiPreview(a) | number: '1.0-0' }} / month ({{ emiToIncomePctPreview(a) | number: '1.0-1' }}% of monthly income)
@if (emiToIncomePctPreview(a) > 40) { @if (a.coBorrowerRequired && coBorrowerDetailsComplete(a) && combinedEligibilityOk(a)) {EMI exceeds 40% of the applicant's own income, but the Co-Borrower added below already covers it — see the Co-Borrower section.
} @else {EMI exceeds 40% of monthly income — add a Co-Borrower, reduce the loan amount, or increase the tenure before proceeding.
} } }Reducing-balance EMI formula: EMI = [P × r × (1+r)n] / [(1+r)n − 1] — where P = Principal, r = Monthly Interest Rate, n = Tenure in months. On P = ₹{{ a.requestedAmount | number: '1.0-0' }}, r = {{ a.interestRate / 12 / 100 | number: '1.4-4' }}, n = {{ a.tenureMonths }} → EMI = ₹{{ emiAmountFor(a) | number: '1.0-0' }} / month.
Upload the co-borrower's last 3 months' salary slips:
Combined Capacity = (40% × ₹{{ a.monthlyIncome | number: '1.0-0' }} applicant) + (40% × ₹{{ coBorrowerCapture.monthlyIncome | number: '1.0-0' }} co-borrower) = ₹{{ applicantEmiCapacity(a) | number: '1.0-0' }} + ₹{{ coBorrowerEmiCapacity() | number: '1.0-0' }} = ₹{{ combinedEmiCapacity(a) | number: '1.0-0' }}. Estimated EMI ₹{{ emiAmountFor(a) | number: '1.0-0' }} is {{ combinedEligibilityOk(a) ? 'within' : 'above' }} this combined capacity.
@if (combinedEligibilityOk(a)) { Eligible with Co-Borrower } @else { Still not eligible — increase co-borrower income, reduce the amount, or extend tenure }@if (!coBorrowerDetailsComplete(a)) { @if (!coBorrowerCapture.wanted) { Check "Add a Co-Borrower" and complete their details to proceed. } @else { Add the co-borrower's name, relationship, monthly income and all 3 salary slips to proceed. } } @else { Combined household income still doesn't cover the EMI at 40% — adjust the amount, tenure, or co-borrower before proceeding. }
}RBI's Fair Practices Code requires the customer's signed consent before a credit bureau pull. Generate the declaration letter below, get it signed by the customer, then upload the signed copy.
Select which account to debit the ₹{{ cicCheckCharge }} charge from:
Loading accounts…
} @else { @if (a.clientId) {No open savings/current account on file for this customer — collect the charge via payment link instead.
} @if (!a.cicPaymentLinkUrl || a.cicPaymentLinkUrl === '—') {{{ a.cicPaymentLinkUrl }}
Print/share the declaration and get it signed, and collect the ₹{{ cicCheckCharge }} check charge, before checking the credit score.
} } @else {Loading addresses…
} @else if (realAddresses.length === 0) {No addresses on file for this client.
} @else {{{ formatRealAddress(addr) }}
Assigned to {{ a[key].officerAssigned }} on {{ a[key].assignedDate }}
@if (a[key].status === 'PENDING') { @if (fiIsOverdue(a, key)) {⚠ {{ fiSlaLabel(a, key) }} — this visit is overdue.
} @else {{{ fiSlaLabel(a, key) }}
}Site Photos ({{ fiPhotoCapture[key].length }}):
Capture latitude, longitude and at least one site photo before marking Verified.
}LTV exceeds 80% of the realizable value — this loan amount is aggressive against the property's worth; consider a lower amount or additional security.
}Everything captured so far — KYC, CIC score, Field Investigation, property valuation, agent report and the full stage history — as one PDF for whoever takes this meeting.
Scheduled with {{ a.meetingWith }} on {{ a.meetingDate }} at {{ a.meetingTime }} ({{ a.meetingMode === 'ONLINE' ? 'Online' : a.meetingMode === 'CALL' ? 'Phone Call' : 'Offline' }})
}Schedule the meeting above before recording the discussion report.
}Reports Required — present below reports, then complete.
Loan Agreement and Sanction Letter ready for the customer's acknowledgement and signature.
Document Signing by:
Disbursing also confirms EMI Activation for this account in the same step.
{{ h.remarks }}
{{ h.actionBy }}No activity recorded yet.
}