@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.isShareMember) { Yes — {{ a.shareCertNo }} (since {{ a.shareMemberSince }}) } @else { Not a Member }
@if (a.coBorrowerRequired) {
Co-Borrower
{{ a.coBorrowerName }}
} @if (a.guarantorRequired) {
Guarantor
{{ a.guarantorName }}
}
Sanctioning Workflow Progress
@for (s of stageOrder; track s) {
{{ stepMarker(a, s) }} {{ stageLabels[s] }}
}
@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] }}

{{ a.personalDiscussionNotes }}

} @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.secured) { }
@if (a.monthlyIncome === 0) {

Eligible Loan Amount preview: ₹{{ eligiblePreview(a) | number: '1.0-0' }}

} @else {
Monthly Income
₹{{ a.monthlyIncome | number: '1.0-0' }}
Eligible Loan Amount
₹{{ a.eligibleLoanAmount | number: '1.0-0' }}
} @if (a.coBorrowerRequired) {

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

}
} @if (a.currentStage === 'CIC_CHECK') {
CIC / Credit Bureau Check — {{ a.cicBureau }}
@if (a.cibilScore === 0) {
} @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) {
} @else if (!a.fiRequestPushed) {
} @else {
} }
} @if (a.currentStage === 'FIELD_INVESTIGATION') {
Field Investigation (FI) — Agent Report
@if (a.secured) { }
Agent Report
{{ a.agentReportUploaded ? a.agentReportFileName : 'Not uploaded yet' }}
@if (!a.agentReportUploaded) {
}
} @if (a.currentStage === 'PERSONAL_DISCUSSION') {
Personal Discussion with Manager
@if (discrepancySelection === 'NONE') { } @else { }
} @if (a.currentStage === 'CREDIT_COMMITTEE') {
Loan Committee Approval — {{ sanctioningAuthorityOf(a) }}

Reports Required — present below reports, then complete.

@if (a.secured) { } @if (a.secured) { }
} @if (a.currentStage === 'RISK_APPROVAL') {
Risk Approval — Verification Checklist
@if (a.secured) { }
@if (a.guarantorRequired) { }
} @if (a.currentStage === 'LEGAL_APPROVAL') {
Legal Approval — Fees & A/c Opened By
@if (a.secured) { }
} @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
} @if (a.currentStage === 'POST_CHECK') {
Post-Disbursement Check — Final Compliance Gate

Document Signing by:

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

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) {
{{ stepMarker(a, h.stage) }}
{{ stageLabels[h.stage] }} — {{ h.outcome }} {{ h.date }}

{{ h.remarks }}

{{ h.actionBy }}
} @empty {

No activity recorded yet.

}
} @else {
Application Not Found
}