@if (loadingApplication) {

Loading application…

} @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 }} @if (a.coBorrowerWanted && a.coBorrowerRelationship) { ({{ a.coBorrowerRelationship }}) }
Guarantor: {{ a.guarantorName }}

Approved by

✓ {{ ap.label }} — {{ ap.approverName }} · {{ ap.date }} @if (ap.exception) { (on exception) }

@if (approvalRequest(a, field); as req) {

⏳ Sent for approval — by {{ req.submittedBy }} on {{ req.submittedOn }} @if (req.requestedDecision === 'EXCEPTION_APPROVED') { (on exception) } · awaiting {{ role }}. @if (req.remarks) {
“{{ req.remarks }}” }

@if (req.checklist?.length) {

What {{ req.submittedBy }} verified before sending ({{ req.submittedOn }})

{{ check.ok ? '✓' : '✗' }} {{ check.label }}

} @if (isMyRequest(req)) {

You sent this request, so you cannot approve it. A different user has to approve or reject it.

} @else {

Your verification — tick each row you have checked ({{ checkerCount(a, field, req) }}) @for (item of checkerItems(a, field, req); track item.label) { @if (item.ok) { {{ item.label }} } @else {

✗ {{ item.label }} — the sender did not verify this, so it cannot be approved.

} }

@if (!checkerReady(a, field, req)) {

Approve opens after you tick every row above.

} } } @else {

@if (exception) { }

}

Sanctioning Workflow Progress

@for (s of visibleStages(a); 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' }}
Core Banking Loan Account: @if (a.fineractLoanAccountNo) { A/C {{ a.fineractLoanAccountNo }} } @else { Mock disbursement only — no core banking account }

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 (isDepositLoan(a)) {

Loan against a deposit — the deposit is the security. Income proof, bank statement, address proof and a co-borrower are optional, and no credit bureau (CIBIL) check is done. Only Aadhaar and PAN verification are required.

} @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 (isDepositLoan(a)) { · optional } @if (findDocument('income'); as incomeDoc) { Submitted {{ incomeDoc.name || incomeDoc.fileName }} } @else { Employment Type @if (newKycCapture.incomeProof.employmentType === 'SALARIED') {

@for (doc of newKycCapture.incomeProof.salaried; track $index) {

} @for (stored of storedDocsFor('KYC:incomeProof:salaried'); track stored.id) {

} {{ salariedFileCount ? '+ Add More' : 'Upload Form 16 / Salary Slips' }}

{{ salariedFileCount }} file{{ salariedFileCount === 1 ? '' : 's' }} · Form 16 and last 3 months' salary slips — select several files at once.

} @else {

Last 3 years' Income Tax Returns:

@for (doc of newKycCapture.incomeProof.itr; track $index) {

@if (!doc.exception) { {{ doc.file ? 'ITR — Year ' + ($index + 1) + ' ✓' : 'Upload ITR — Year ' + ($index + 1) }} @if (doc.file || hasStoredDoc('KYC:incomeProof:itr:' + $index)) { } } @if (!doc.file) { Not Available — Add Exception }

@if (doc.exception) { Exception Remark — Year {{ $index + 1 }} } } } @if (a.incomeProofSubmitted) { @if (itrHasException) { Submitted — with exception(s) } @else { Submitted } } @else { Missing } }

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

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

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

Electricity Bill (Address Proof) @if (isDepositLoan(a)) { · optional } @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 || hasStoredDoc('KYC:electricityBill')) { }

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

} } @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 @if (isDepositLoan(a)) { · optional } Employment Type @if (newKycCapture.incomeProof.employmentType === 'SALARIED') {

@for (doc of newKycCapture.incomeProof.salaried; track $index) {

} @for (stored of storedDocsFor('KYC:incomeProof:salaried'); track stored.id) {

} {{ salariedFileCount ? '+ Add More' : 'Upload Form 16 / Salary Slips' }}

{{ salariedFileCount }} file{{ salariedFileCount === 1 ? '' : 's' }} · Form 16 and last 3 months' salary slips — select several files at once.

} @else {

Last 3 years' Income Tax Returns:

@for (doc of newKycCapture.incomeProof.itr; track $index) {

@if (!doc.exception) { {{ doc.file ? 'ITR — Year ' + ($index + 1) + ' ✓' : 'Upload ITR — Year ' + ($index + 1) }} @if (doc.file) { } } @if (!doc.file) { Not Available — Add Exception }

@if (doc.exception) { Exception Remark — Year {{ $index + 1 }} } } } @if (a.incomeProofSubmitted) { @if (itrHasException) { Submitted — with exception(s) } @else { Submitted } } @else { Missing }

Bank Statement @if (isDepositLoan(a)) { · optional }

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

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

Electricity Bill (Address Proof) @if (isDepositLoan(a)) { · optional } 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.productDocuments.length > 0) {

Loan-Specific Documents — {{ a.productName }}

@for (doc of a.productDocuments; track doc.key) { @if (doc.key === 'coOwnerKyc') {

{{ doc.label }} @if (doc.hint) { {{ doc.hint }} } This property has a co-owner @if (coOwnerCapture.hasCoOwner) {

} @if (doc.submitted) { {{ coOwnerCapture.hasCoOwner ? 'Verified' : 'Not Applicable' }} } @else { Missing }

} @else {

{{ doc.label }} @if (doc.custom) { } @if (doc.hint) { {{ doc.hint }} }

{{ productDocCapture[doc.key]?.file ? 'Uploaded ✓' : 'Upload' }} @if (productDocCapture[doc.key]; as capture) { @if (capture.file || hasStoredDoc('PRODUCT_DOC:' + doc.key)) { } }

@if (doc.submitted) { Submitted } @else { Missing }

} }

} Monthly Income (₹) @if (!isRevolving(a)) { Requested Loan Amount (₹) @if (amountOutOfRange(a)) {

{{ 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.

} Tenure (Months) @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.

} } }

@if (a.monthlyIncome > 0) {

Monthly Income (Last Assessed): ₹{{ 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 || isDepositLoan(a)) {

Co-Borrower @if (isDepositLoan(a)) { (optional) } @else { (raises household eligibility) }

Add a Co-Borrower to increase eligibility @if (a.coBorrowerWanted) { Co-Borrower Name Relationship with Applicant Co-Borrower Monthly Income (₹)

Upload the co-borrower's last 3 months' salary slips:

@for (doc of coBorrowerCapture.salarySlips; track $index) { {{ doc.file ? 'Salary Slip — Month ' + ($index + 1) + ' ✓' : 'Upload Salary Slip — Month ' + ($index + 1) }} @if (doc.file || hasStoredDoc('COBORROWER:salarySlip:' + $index)) { } }

@if (coBorrowerDetailsComplete(a)) {

Combined Household Eligibility Calculation

Applicant's Monthly Income: ₹{{ a.monthlyIncome | number: '1.0-0' }}
Applicant's EMI Capacity (40%): ₹{{ applicantEmiCapacity(a) | number: '1.0-0' }}
Co-Borrower's Monthly Income: ₹{{ a.coBorrowerMonthlyIncome | number: '1.0-0' }}
Co-Borrower's EMI Capacity (40%): ₹{{ coBorrowerEmiCapacity(a) | number: '1.0-0' }}
Combined Household EMI Capacity: ₹{{ combinedEmiCapacity(a) | number: '1.0-0' }}
Estimated EMI (this loan): ₹{{ emiAmountFor(a) | number: '1.0-0' }}

Combined Capacity = (40% × ₹{{ a.monthlyIncome | number: '1.0-0' }} applicant) + (40% × ₹{{ a.coBorrowerMonthlyIncome | number: '1.0-0' }} co-borrower) = ₹{{ applicantEmiCapacity(a) | number: '1.0-0' }} + ₹{{ coBorrowerEmiCapacity(a) | 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 (!affordabilityOk(a)) {

@if (!coBorrowerDetailsComplete(a)) { @if (!a.coBorrowerWanted) { 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. }

}

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

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

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 || hasStoredDoc('CIC:consent')) {

} @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 }

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

Credit Bureau {{ a.cicBureau }}

Uploaded Report File {{ a.cicReportUploaded ? a.cicReportFileName : 'Not uploaded yet' }}

Field Inquiry Status {{ a.fiRequestPushed ? 'Pushed to ' + a.fiAgencyAssigned + ' (' + a.fiRequestDate + ')' : 'Not pushed yet' }}

@if (a.cicReportUploaded) {

@if (hasStoredDoc('CIC:report')) { }

}

} @if (a.cibilScore > 0) {

{{ a.cicReportUploaded ? '📄 Re-upload PDF Report' : 'Upload ' + a.cicBureau + ' Report (PDF)' }} @if (a.cicReportUploaded && !a.fiRequestPushed) { } @else if (a.cicReportUploaded && a.fiRequestPushed) { }

}

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

Field Investigation (FI) — Agent Report

@if (a.clientId) {

Registered Addresses on File (Fineract)

@if (loadingAddresses) {

Loading addresses…

} @else if (realAddresses.length === 0) {

No addresses on file for this client.

} @else {

@for (addr of realAddresses; track $index) {

}

} Applicant has a shop / business premises

@for (key of fiRows(a); track key) {

@if (a[key].officerAssigned === '—') {

Assign Field Officer

} @else {

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 {

}

Latitude Longitude

Site Photos ({{ fiPhotoCapture[key].length }}):

Add Photo(s) @for (photo of fiPhotoCapture[key]; track $index) { }

@if (!fiCanVerify(a, key)) {

Capture latitude, longitude and at least one site photo before marking Verified.

} Reject — Remark (if address is incorrect)

} @else if (a[key].status === 'VERIFIED') { Verified } @else { Failed

Re-Assign a New Field Officer

} }

}

@if (a.secured) {

Property Valuation

Property Type Built-Up Area (sq ft) Market Rate (₹ / sq ft) Guideline / Circle Rate (₹ / sq ft) Valuer Name Valuation Date

Market Value (Area × Market Rate): ₹{{ a.propertyValuation | number: '1.0-0' }}
Guideline Value (Area × Circle Rate): ₹{{ guidelineValue(a) | number: '1.0-0' }}
Realizable Value (90% of Market): ₹{{ realizableValue(a) | number: '1.0-0' }}
Distress Sale Value (75% of Market): ₹{{ distressValue(a) | number: '1.0-0' }}
Loan-to-Value (vs Realizable): {{ ltvPercent(a) | number: '1.0-1' }}%

@if (ltvHigh(a)) {

LTV exceeds 80% of the realizable value — this loan amount is aggressive against the property's worth; consider a lower amount or additional security.

}

Agent Report

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

@if (a.agentReportUploaded) {

Report Remark

}

@if (a.agentReportUploaded && hasStoredDoc('FI:agentReport')) {

} @if (!a.agentReportUploaded) { Agent Report Reference / Remark

Upload Agent Report

}

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

Personal Discussion with Manager — Loan Plan

@if (loanPlan(a); as plan) {

The plan below is what the customer is offered. Download or print it, share it with the customer, then proceed.

Applicant{{ a.applicantName }}

Loan amount₹{{ plan.amount | number: '1.0-0' }}

Tenure{{ plan.tenure }} months

Interest rate{{ plan.rate | number: '1.2-2' }}% p.a. @if (plan.rateFromDeposit) { (deposit {{ plan.depositRate }}% + {{ plan.spread }}%) }

Interest per month (estimate)₹{{ plan.monthlyInterest | number: '1.0-0' }}

Total interest over the tenure₹{{ plan.totalInterest | number: '1.0-0' }}

Total payable at the end₹{{ plan.totalPayable | number: '1.0-0' }}

Repayment{{ plan.repayment }}

Deposit pledged{{ plan.accounts }}

Security value · limit₹{{ plan.securityValue | number: '1.0-0' }} · {{ plan.limitPct }}% = ₹{{ plan.eligible | number: '1.0-0' }}

Lien{{ plan.lienRequired ? 'Marked ' + plan.lienStage : 'Not required' }}

Penal interest{{ plan.penal }}

Pre-closure · Renewal{{ plan.preclosure }} · {{ plan.renewal }}

}

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

Personal Discussion with Manager

Briefing Report — For the Meeting

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.

Meeting Scheduler

Meeting Date Meeting Time Mode of Meeting Bank Officer Taking the Meeting

@if (a.meetingScheduled) {

Scheduled with {{ a.meetingWith }} on {{ a.meetingDate }} at {{ a.meetingTime }} ({{ a.meetingMode === 'ONLINE' ? 'Online' : a.meetingMode === 'CALL' ? 'Phone Call' : 'Offline' }})

}

@if (a.meetingScheduled) { Discrepancy (if any) Discussion Report

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

} @else {

Schedule the meeting above before recording the discussion report.

}

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

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

Full Application Report — For the Committee

Everything captured on this application — KYC, CIC score, Field Investigation, property valuation, agent report, meeting and stage history — as one PDF for every committee member to review before deciding.

Reports Required — present below reports, then complete.

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

Committee Remarks

Resolution No. Resolution Date

@if (committeeReportsReady(a) && !committeeCanApprove(a)) {

Enter the Resolution No. and Resolution Date the committee passed this decision under before approving.

}

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

Risk Approval — Verification Checklist

@if (isDepositLoan(a)) { @for (check of depositRiskChecks(a); track check.label) { {{ check.label }} } } @if (!isDepositLoan(a)) { ID / Address Verified } @if (!isDepositLoan(a)) { Income Proof Verified } Previous Loan Declaration @if (a.secured) { Property Search Report Valuation Report } @if (!isDepositLoan(a)) { FI Report } Personal Background Check Guarantor Required

@if (a.guarantorRequired) {

Guarantor — Must Be an Existing Share Member

@if (!a.guarantorClientId) { Search Existing Client @if (searchingGuarantor) {

Searching…

} @else if (guarantorSearchText.length >= 2 && guarantorSearchResults.length === 0) {

No clients found.

} @if (guarantorSearchResults.length > 0) {

@for (client of guarantorSearchResults; track client.id) { }

}

The guarantor must already be a bank client with an active share account — search and select them above, a name alone isn't enough.

} @else { Guarantor

@if (loadingGuarantorShareCheck) {

Checking share membership…

} @else if (a.guarantorHasShareAccount) { Share Member — Verified } @else { No Share Account Found

This client has no active share account — a guarantor must already be a bank member. Pick a different guarantor.

} }

} Risk Remarks

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

Legal Approval — Fees & Legal Documents

@if (isDepositLoan(a)) {

Already collected earlier — not asked again

@for (row of collectedDocs(a); track row.label) {

@for (stored of storedDocsFor(row.storeKey); track stored.id) { } @empty { @if (row.ok) { (marked received; no file attached) } } @if (!approvalRequest(a, 'legalApproval')) { {{ storedDocsFor(row.storeKey).length ? 'Update file' : '+ Add file' }} }

@if (row.ok) { ✓ Collected } @else { Missing }

}

@if (!isDepositLoan(a)) { Processing Fee Collected } @if (a.secured) { Mortgage Created } Legal Stamp Done @if (!isDepositLoan(a)) { File Filing Done }

@if (a.legalDocuments.length > 0) {

@if (approvalRequest(a, 'legalApproval')) {

🔒 Sent for approval — the documents can be viewed but not added, replaced or removed. To change anything, withdraw the request first.

}

Legal Documents

{{ legalDocsSubmittedCount(a) }} / {{ a.legalDocuments.length }} submitted

@for (doc of a.legalDocuments; track doc.key) {

{{ legalDocIcon(doc.key) }} {{ doc.label }} @if (doc.custom) { }

+ Add File(s) @for (capture of legalDocCapture[doc.key]; track $index) {

} @for (stored of storedDocsFor('LEGAL_DOC:' + doc.key); track stored.id) {

}

@if (doc.submitted) { ✓ Submitted @if (legalDocCapture[doc.key]?.length) { · {{ legalDocCapture[doc.key].length }} file{{ legalDocCapture[doc.key].length > 1 ? 's' : '' }} this session } } @else { Missing }

}

} 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 (isDepositLoan(a)) {

}

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

Cheque Received / ACH Sign

@if (isDepositLoan(a)) {

Not required for a loan against a deposit — the bank recovers by set-off against the lien.

} @else {

Cheque Received ACH Mandate Signed

}

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

Post-Disbursement Check — Final Compliance Gate

Document Signing by:

@if (!isDepositLoan(a)) { Agent } Manager @if (!isDepositLoan(a)) { Committee Risk Approval Legal Approval }

Remarks

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

Ready for Disbursement

Disbursement Mode

@if (!isDepositLoan(a)) { Disbursing also confirms EMI Activation for this account in the same step. } @if (a.customerType === 'EXISTING' && a.clientId) { A real Fineract loan account will be created, approved and disbursed in Core Banking at the same time. } @else { This is a mock disbursement only — no Core Banking account exists until this customer is fully onboarded as a client. }

@if (a.fineractLoanError) {

} @if (isDepositLoan(a)) { @if (disbursementLienIssue(a); as issue) {

} @else {

✓ On disbursement the lien is marked on {{ a.depositSelection?.accountNos?.join(', ') }} for ₹{{ a.requestedAmount | number: '1.0-0' }}.

} }

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

Deposit Selection & Eligibility

@if (loadingDeposits) {

Loading the customer's deposits…

} @else if (realDeposits.length === 0) {

No active {{ a.productCode === 'RD' ? 'Recurring' : 'Fixed' }} Deposit found for this customer.

} @else {

@for (row of realDeposits; track row.id) { }

	{{ a.productCode === 'RD' ? 'RD' : 'FD' }} Account	Opened	Maturity	{{ a.productCode === 'RD' ? 'Instalment' : 'Principal' }}	Balance + Interest	Rate	Lien
	{{ row.accountNo }}	{{ row.openedOn \| date: 'dd-MM-yyyy' }}	{{ row.maturityDate \| date: 'dd-MM-yyyy' }} @if (row.monthsLeft < 12) { < 12 m }	₹{{ row.principal \| number: '1.0-0' }}	₹{{ row.value \| number: '1.0-0' }}	{{ row.rate }}%	@if (row.underLien) { Under lien } @else if (otherPledges[row.id]) { Pledged in {{ otherPledges[row.id] }} } @else { Free }

@if (depositRules(a).allowThirdParty) { Pledge a third-party deposit (someone else's) — consent letter needed } @if (!depositRules(a).allowMultiple) {

This product allows one deposit per loan.

} @if (depositCalc(a); as calc) {

Security value (balance + accrued interest){{ calc.rows.length ? '₹' + (calc.value | number: '1.0-0') : '—' }}

Normal limit — {{ calc.limitPct }}% {{ calc.rows.length ? '₹' + (calc.normalLimit | number: '1.0-0') : '—' }}

{{ calc.rateLabel }}{{ calc.rows.length ? calc.rateText : '—' }}

{{ calc.tenureLabel }}{{ calc.rows.length ? calc.maxTenure + ' months' : '—' }}

Eligible loan amount{{ calc.rows.length ? '₹' + (calc.eligible | number: '1.0-0') + ' (' + (depositOver85 ? '100' : calc.limitPct) + '%)' : '—' }}

Requested Amount (₹) * Tenure (Months) * Interest Rate (% p.a.)

Sanction above {{ calc.limitPct }}% (up to 100%) at the sanctioning officer's discretion @if (depositOver85) { Reason for going above {{ calc.limitPct }}% * } @for (err of calc.errors; track err) {

} @if (calc.ok) {

✓ ₹{{ a.requestedAmount | number: '1.0-0' }} for {{ a.tenureMonths }} months at {{ calc.rate | number: '1.2-2' }}% is within the limit.

}

} }

} @if (showLienCard(a)) {

Lien Marking

A lien blocks withdrawal, premature closure and renewal in another name until the loan is repaid.

Deposits under lien{{ a.depositSelection?.accountNos?.join(', ') || 'Select and save a deposit above' }}

Lien amount₹{{ a.requestedAmount | number: '1.0-0' }}

Letter of lien and set-off

@if (!canMakeLienLetter(a)) { Select a deposit above to create the letter. } Signed by the depositor (and all joint holders) @if (lienLetterStored) { Received @for (stored of storedDocsFor('LIEN:letter'); track stored.id) {

} } @else { Pending Upload }

@if (a.lien?.marked && depositRules(a).certificateRequired) {

LIEN CERTIFICATE
No. {{ a.lien?.certificateNo }} · Date {{ a.lien?.markedOn }}
A lien of ₹{{ a.lien?.amount | number: '1.0-0' }} is noted on deposit {{ a.lien?.accountNos?.join(', ') }} in favour of the bank against loan application {{ a.applicationNo }}.

Lien marked } @else if (lienAtDisbursement(a)) {

This product marks the lien at disbursement. The lien is placed on the deposit automatically when the loan is disbursed, so there is nothing to mark now. Before that: save the deposit selection and upload the signed letter of lien and set-off.

Lien not marked yet — at disbursement } @else {

@if (!lienReady(a)) {

Save the deposit selection and upload the letter of lien and set-off to enable Mark Lien.

} }

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

Complete Deposit Selection

Order: choose the deposit and save it, then download the letter of lien and set-off, get it signed, and upload it. Then proceed.

@if (depositStageIssue(a); as issue) {

} @else {

✓ Deposit saved and the signed letter is on file. Ready to proceed.

}

Approval Tracking

@for (tile of approvalTiles; track tile.field) { @if (approvalOf(a, tile.field); as ap) {

{{ tile.label }} @if (approvalRequestAny(a, tile.field); as req) { @if (req.status === 'PENDING') { ⏳ AWAITING APPROVAL Sent by {{ req.submittedBy }} · {{ req.submittedOn }} @if (req.requestedDecision === 'EXCEPTION_APPROVED') { On exception } @if (req.remarks) { “{{ req.remarks }}” } } @else if (req.status === 'WITHDRAWN') { WITHDRAWN Sent by {{ req.submittedBy }} · {{ req.submittedOn }}, then withdrawn } @else { {{ ap.decision }} Sent by {{ req.submittedBy }} · {{ req.submittedOn }} {{ ap.decision === 'REJECTED' ? 'Rejected' : 'Approved' }} by {{ ap.approverName }} · {{ ap.date }} @if (req.checkerChecklist?.length) { Checker verified {{ checkerSummary(req) }} } {{ ap.remarks }} } } @else { {{ ap.decision }} @if (ap.decision === 'PENDING') { Not sent for approval yet } @else { {{ ap.approverName }} · {{ ap.date }} {{ ap.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

}