@if (application; as a) {

CREDIT · LOAN ORIGINATION · {{ a.branchName | uppercase }}

{{ a.applicationNo }} — {{ a.applicantName }} {{ statusLabels[a.overallStatus] }}

{{ a.productName }} · ₹{{ a.requestedAmount | number: '1.0-0' }} · Applied {{ a.applicationDate }} · {{ progress(a) }}% through the sanctioning workflow.

Branch: {{ a.branchName }}
Channel: {{ a.channel === 'BC' ? a.bcAgentName : a.channel === 'SELF_APPLY' ? 'Self-Apply (Digital)' : 'Branch' }}
Customer Type: {{ a.customerType === 'EXISTING' ? 'Existing Customer' : 'New Customer' }}
Tenure / Rate: {{ a.tenureMonths }} months @ {{ a.interestRate }}%
Monthly Income / Eligible Amount: ₹{{ a.monthlyIncome | number: '1.0-0' }} / ₹{{ a.eligibleLoanAmount | number: '1.0-0' }}
Sanctioning Authority: {{ sanctioningAuthorityOf(a) }}
Share Member: @if (a.clientId) { @if (loadingShareAccounts) { Checking membership… } @else if (realShareAccounts.length > 0) {
@for (sa of realShareAccounts; track sa.id) { }
} @else { Not a Member } } @else if (a.isShareMember) { Yes — {{ a.shareCertNo }} (since {{ a.shareMemberSince }}) } @else { Not a Member }
Co-Borrower: {{ a.coBorrowerName }}
Guarantor: {{ a.guarantorName }}

Sanctioning Workflow Progress

@for (s of stageOrder; track s) { @if (canJumpToStage(a, s)) { } @else {

} }

@if (a.overallStatus === 'REJECTED') {

Application Rejected — at {{ stageLabels[a.currentStage] }}

See the approval summary below for the recorded reason.

} @else if (a.overallStatus === 'ON_HOLD') {

Personal Discussion — {{ discrepancyLabels[a.discrepancyType] }}

Resolution Notes

} @else if (a.overallStatus === 'DISBURSED') {

Disbursed

Disbursement Date: {{ a.disbursementDate }}
Mode: {{ a.disbursementMode }}
ACH Confirmation: {{ a.achConfirmationRef }}
EMI Activation Confirmation: {{ a.emiActivationConfirmed ? 'Confirmed on ' + a.emiActivationDate : 'Pending' }}

EMI Repayment Schedule

@if (isRevolving(a)) {

{{ a.productName }} is a revolving/renewable limit — repaid on demand and renewed annually, not on a fixed EMI schedule.

} @else {

Loan Amount ₹{{ a.requestedAmount | number: '1.0-0' }} {{ a.tenureMonths }} months @ {{ a.interestRate }}%

Monthly EMI ₹{{ emiAmountFor(a) | number: '1.0-0' }} Reducing balance

Total Interest Payable ₹{{ totalInterestFor(a) | number: '1.0-0' }} over the full tenure

Total Amount Payable ₹{{ totalPayableFor(a) | number: '1.0-0' }} principal + interest

@for (row of emiScheduleFor(a); track row.installmentNo) { }

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' }}

}

} @else { @if (a.currentStage === 'APPLICATION') {

Application Received

Received via {{ a.channel === 'BC' ? a.bcAgentName : a.channel === 'SELF_APPLY' ? 'Self-Apply (Digital)' : 'Branch' }} on {{ a.applicationDate }}.

} @if (a.currentStage === 'KYC_DOCUMENTS') {

KYC & Document Collection — OVD (RBI KYC Master Direction)

@if (a.clientId) { @if (loadingKyc) {

Loading KYC record…

} @else {

Aadhaar

{{ a.aadhaarVerified ? 'Verified' : 'Not Verified' }} @if (realKyc?.aadhaarNumberMasked) { {{ realKyc.aadhaarNumberMasked }} }

PAN

{{ a.panVerified ? 'Verified' : 'Not Verified' }} @if (realKyc?.panNumber) { {{ maskPan(realKyc.panNumber) }} }

Income Proof @if (findDocument('income'); as incomeDoc) { Submitted {{ incomeDoc.name || incomeDoc.fileName }} } @else { Employment Type

{{ newKycCapture.incomeProof.file ? incomeProofDocLabel + ' ✓' : 'Upload ' + incomeProofDocLabel }} @if (newKycCapture.incomeProof.file) { }

@if (a.incomeProofSubmitted) { Submitted } @else { Missing } }

Bank Statement @if (findDocument('bank statement'); as bankDoc) { Submitted {{ bankDoc.name || bankDoc.fileName }} } @else {

{{ newKycCapture.bankStatement.file ? 'Statement ✓' : 'Upload Bank Statement' }} @if (newKycCapture.bankStatement.file) { }

@if (a.bankStatementSubmitted) { Submitted } @else { Missing } }

Electricity Bill (Address Proof) @if (findDocument('electricity') || findDocument('address proof'); as billDoc) { Submitted {{ billDoc.name || billDoc.fileName }} } @else { Bill Date @if (electricityBillTooOld) {

Must not be older than 3 months.

}

{{ newKycCapture.electricityBill.file ? 'Bill ✓' : 'Upload Bill' }} @if (newKycCapture.electricityBill.file) { }

@if (a.electricityBillSubmitted) { Submitted } @else { Missing } }

@if (a.secured) {

Property Details Submitted

Property Tax Receipt Submitted

}

Aadhaar Fingerprint Captured (e-KYC)

} } @else {

Captured for this application — final Aadhaar/PAN verification happens when the customer's CBS client profile is created.

Aadhaar

{{ newKycCapture.aadhaar.front ? 'Front ✓' : 'Upload Front' }} {{ newKycCapture.aadhaar.back ? 'Back ✓' : 'Upload Back' }}

@if (newKycCapture.aadhaar.front || newKycCapture.aadhaar.back) {

@if (newKycCapture.aadhaar.front) { } @if (newKycCapture.aadhaar.back) { }

} @if (newKycCapture.aadhaar.verified) { Aadhaar Verified } @else {

@if (newKycCapture.aadhaar.otpSent) {

@for (d of newKycCapture.aadhaar.otpDigits; track $index) { }

}

PAN

@if (newKycCapture.pan.front || newKycCapture.pan.back) {

@if (newKycCapture.pan.front) { } @if (newKycCapture.pan.back) { }

} @if (newKycCapture.pan.verified) { PAN Verified } @else {

}

Income Proof Employment Type

{{ newKycCapture.incomeProof.file ? incomeProofDocLabel + ' ✓' : 'Upload ' + incomeProofDocLabel }} @if (newKycCapture.incomeProof.file) { }

@if (a.incomeProofSubmitted) { Submitted } @else { Missing }

Bank Statement

{{ newKycCapture.bankStatement.file ? 'Statement ✓' : 'Upload Bank Statement' }} @if (newKycCapture.bankStatement.file) { }

@if (a.bankStatementSubmitted) { Submitted } @else { Missing }

Electricity Bill (Address Proof) Bill Date @if (electricityBillTooOld) {

Must not be older than 3 months.

}

{{ newKycCapture.electricityBill.file ? 'Bill ✓' : 'Upload Bill' }} @if (newKycCapture.electricityBill.file) { }

@if (a.electricityBillSubmitted) { Submitted } @else { Missing }

@if (a.secured) {

Property Details Submitted

Property Tax Receipt Submitted

}

Aadhaar Fingerprint Captured (e-KYC)

} @if (a.monthlyIncome === 0) { Monthly Income (₹)

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 {

Monthly Income: ₹{{ a.monthlyIncome | number: '1.0-0' }}
Eligible Loan Amount: ₹{{ a.eligibleLoanAmount | number: '1.0-0' }}
Estimated EMI: @if (isRevolving(a)) { No fixed EMI (revolving limit) } @else { ₹{{ emiAmountFor(a) | number: '1.0-0' }} / month }

} @if (!isRevolving(a)) {

EMI Calculation Basis

Principal (Loan Amount): ₹{{ a.requestedAmount | number: '1.0-0' }}
Interest Rate: {{ a.interestRate }}% p.a. ({{ a.interestRate / 12 | number: '1.2-2' }}% / month)
Tenure: {{ a.tenureMonths }} months
Total Interest Payable: ₹{{ totalInterestFor(a) | number: '1.0-0' }}
Total Amount Payable: ₹{{ totalPayableFor(a) | number: '1.0-0' }}

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.

} @if (a.coBorrowerRequired) {

Co-Borrower Required — {{ a.coBorrowerName }}

}

} @if (a.currentStage === 'CIC_CHECK') {

CIC / Credit Bureau Check — {{ a.cicBureau }}

@if (a.cibilScore === 0) {

Customer Consent — Credit Bureau Check

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.

@if (a.channel === 'BRANCH') { } @else { } {{ cicConsentCapture.file ? 'Signed Declaration ✓' : 'Upload Signed Declaration' }}

@if (cicConsentCapture.file) {

} @if (a.cicConsentSigned) { Signed Declaration Uploaded } @else { Awaiting Signed Declaration }

CIC Check Charge — ₹{{ cicCheckCharge }}

@if (a.clientId && realDebitableAccounts.length > 0) {

Select which account to debit the ₹{{ cicCheckCharge }} charge from:

@for (acc of realDebitableAccounts; track acc.id) { }

} @else { @if (a.clientId && loadingShareAccounts) {

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 === '—') {

} @else {

@if (!a.cicChargeCollected) { Payment Reference No. (from customer)

} } } } @if (a.cicChargeCollected) { Charge Collected — {{ a.cicChargeMode === 'ACCOUNT_DEBIT' ? a.cicChargeAccountLabel : 'Ref ' + a.cicPaymentReference }} } @else { Charge Not Collected }

Bureau

@if (!a.cicConsentSigned || !a.cicChargeCollected) {

Print/share the declaration and get it signed, and collect the ₹{{ cicCheckCharge }} check charge, before checking the credit score.

} } @else {

Bureau: {{ a.cicBureau }}
Credit Score: {{ a.cibilScore }} ({{ cibilBandOf(a.cibilScore) }})
Report: {{ a.cicReportUploaded ? a.cicReportFileName : 'Not uploaded yet' }}
Field Inquiry: {{ a.fiRequestPushed ? 'Pushed to ' + a.fiAgencyAssigned + ' (' + a.fiRequestDate + ')' : 'Not pushed yet' }}

} @if (a.cibilScore > 0) { @if (!a.cicReportUploaded) {

Upload {{ a.cicBureau }} Report

} @else if (!a.fiRequestPushed) {

} @else {

} }

} @if (a.currentStage === 'FIELD_INVESTIGATION') {

Field Investigation (FI) — Agent Report

Address Verification Office / Employment Verification @if (a.secured) { Property Verification / Valuation Property Valuation (₹) }

Agent Report

{{ a.agentReportUploaded ? a.agentReportFileName : 'Not uploaded yet' }}

@if (!a.agentReportUploaded) {

Upload Agent Report

}

} @if (a.currentStage === 'PERSONAL_DISCUSSION') {

Personal Discussion with Manager

Discrepancy (if any) Discussion Notes

@if (discrepancySelection === 'NONE') { } @else { }

} @if (a.currentStage === 'CREDIT_COMMITTEE') {

Loan Committee Approval — {{ sanctioningAuthorityOf(a) }}

Reports Required — present below reports, then complete.

CIBIL / Credit Bureau Report Background Check @if (a.secured) { CSE — CERSAI Search Enquiry } OVD Income Proof FI Report Manager Meeting Share Member Approval @if (a.secured) { Property Valuation }

Committee Remarks

} @if (a.currentStage === 'RISK_APPROVAL') {

Risk Approval — Verification Checklist

ID / Address Verified Income Proof Verified Previous Loan Declaration @if (a.secured) { Property Search Report Valuation Report } FI Report Personal Background Check Guarantor Required

@if (a.guarantorRequired) { Guarantor Name } Risk Remarks

} @if (a.currentStage === 'LEGAL_APPROVAL') {

Legal Approval — Fees & A/c Opened By

Fees & A/c Opening Done @if (a.secured) { Mortgage Created } Legal Stamp Done File Filing Done

Agreement Signing Slot Legal Remarks

} @if (a.currentStage === 'CUSTOMER_SIGNING') {

Customer Signing Slot — {{ a.agreementSigningSlot }}

Loan Agreement and Sanction Letter ready for the customer's acknowledgement and signature.

} @if (a.currentStage === 'CHEQUE_ACH') {

Cheque Received / ACH Sign

Cheque Received ACH Mandate Signed

} @if (a.currentStage === 'POST_CHECK') {

Post-Disbursement Check — Final Compliance Gate

Document Signing by:

Agent Manager Committee Risk Approval Legal Approval

Remarks

} @if (a.currentStage === 'DISBURSED') {

Ready for Disbursement

Disbursement Mode

Disbursing also confirms EMI Activation for this account in the same step.

} }

Approval Summary

Loan Committee {{ a.creditCommitteeApproval.decision }} {{ a.creditCommitteeApproval.approverName }} · {{ a.creditCommitteeApproval.date }} {{ a.creditCommitteeApproval.remarks }}

Risk Approval {{ a.riskApproval.decision }} {{ a.riskApproval.approverName }} · {{ a.riskApproval.date }} {{ a.riskApproval.remarks }}

Legal Approval {{ a.legalApproval.decision }} {{ a.legalApproval.approverName }} · {{ a.legalApproval.date }} {{ a.legalApproval.remarks }}

Post-Disbursement Check {{ a.postCheckApproval.decision }} {{ a.postCheckApproval.approverName }} · {{ a.postCheckApproval.date }} {{ a.postCheckApproval.remarks }}

Application Journey — Date-wise Audit Trail

@for (h of a.stageHistory; track h.date + h.stage + h.outcome) {

{{ stageLabels[h.stage] }} — {{ h.outcome }} {{ h.date }}

} @empty {

No activity recorded yet.

}

} @else {

Application Not Found

}