Dashboard Application queue New application Approval Delegations Stopper register Messages Reports Pending approval Rejection analysis Score distribution Sector-wise analysis Officer productivity Verification Appraisal Allocation and monitoring Field review Field templates Audit Products Districts Lists Consent wordings Document types Score scales Notification events Tenant identity Import or export masters Branches Policy packs Tenant settings Password reset requests Providers Readiness

Dashboard

Awaiting my decision

Credit Head · level 2

Escalated to me

from level 1

Past turnaround

officer and supervisor notified

My delegations

scheduled from 3 Nov

My queue by stage Main branch · North branch · South branch

Initiated0

Submitted1

Under Verification2

Verified1

Recommended3

Returned1

Approved1

Rejected1

Closed0

Provisionally Approved0

Field Verification2

Days pending against target Target 3 days sample

Stage	Open	Oldest	Past target
Submitted	1	0 days	0
Under Verification	2	4 days	1
Verified	1	1 day	0
Recommended	3	3 days	0
Returned	1	3 days	0
Field Verification	2	4 days	1

Awaiting my decision3

Application	Applicant	Requested	Routed to	Days pending
CF-26-000142	Arun Sample	₹ 5,00,000	Level 1 · B. Example Escalated to me	2 of 3 days
CF-26-000141	Meera Sample	₹ 9,00,000	Level 2 · Credit Head	2 of 3 days
CF-26-000144	Joseph Sample	₹ 4,00,000	Level 2 · Credit Head	3 of 3 days

Turnaround breaches2

Application	Status	Days pending	Notified
CF-26-000146	Under Verification	4 of 3 days	V. Example and supervisor
CF-26-000152	Field Verification	4 of 3 days	D. Example and supervisor

On hold and escalated

On hold — turnaround pausedCF-26-000147

Escalated to me · CF-26-00014230 Oct 2026 02:05 · from Level 1, 16 hours after the recommendation sample

My delegations Delegations

To B. Example · Business Loan up to ₹ 10,00,0003 Nov – 7 Nov 2026 · Scheduled

To B. Example · Business Loan up to ₹ 25,00,00026 Oct – 28 Oct 2026 · Ended

Application queue

All 12 Unassigned 1 Past target 2 On hold 1

Application	Applicant	Mobile	Branch	Requested	Score	Status	Hold	Assigned	Days pending
CF-26-000142	Arun Sample	90******01	Main branch	₹ 5,00,000	742	Recommended		B. Example → C. Example Escalated	2 of 3 days
CF-26-000141	Meera Sample	90******02	Main branch	₹ 9,00,000	801	Recommended		C. Example	2 of 3 days
CF-26-000144	Joseph Sample	90******03	North branch	₹ 4,00,000	488	Recommended		C. Example	3 of 3 days
CF-26-000150	Ravi Sample	90******50	Main branch	₹ 8,00,000	—	Submitted		Unassigned	0 of 3 days	Take
CF-26-000149	Lakshmi Sample	90******49	North branch	₹ 3,00,000	712	Returned		A. Example	3 of 3 days	Open
CF-26-000148	Thomas Sample	90******48	South branch	₹ 15,00,000	690	Approved		C. Example	—
CF-26-000147	Priya Sample	90******47	Main branch	₹ 7,20,000	655	Under Verification	On hold · Awaiting documents from the applicant	V. Example	Paused	Open
CF-26-000146	Kiran Sample	90******46	North branch	₹ 4,50,000	—	Under Verification		V. Example	4 of 3 days	Open
CF-26-000145	Usha Sample	90******45	South branch	₹ 2,50,000	530	Verified		A. Example	1 of 3 days	Open
CF-26-000151	Anil Sample	90******06	Main branch	₹ 4,50,000	705	Field Verification		D. Example	1 of 3 days	Open
CF-26-000152	Divya Sample	90******52	North branch	₹ 3,00,000	668	Field Verification		D. Example	4 of 3 days	Open
CF-26-000143	Nikhil Sample	90******43	South branch	₹ 12,00,000	610	Rejected		C. Example	—

New application (assisted)

Demonstration No refusal Staff member's mobile Open application on this mobile

DraftStaff draft — becomes an application when the applicant’s code is entered InitiatedCF-26-000153 Keyed by S. Example · Main branch · 30 Oct 2026

Personal Business Loan

Name *

Mobile * 90******04Confirmed with the applicant This mobile number belongs to a member of staff. It cannot be used as an applicant’s number. This mobile number already has an open application. A second one cannot be started.

Gender *

Year of birth *

Constitution *

PAN * XXXXX0000XMasked

Aadhaar * XXXX XXXX 0004Masked on entry

Branch *

Business

Name of the business

Sector *

Sector — other *

Monthly turnover *

Monthly net income *

Existing loans Declared by the applicant + Add loan

No loans declared

Loan requirement

Amount required *

EMI the applicant can afford *

Credit bureau score

Consent notice

Language chosen by the applicant * Languages offered sample

Notice version Consent notice · version 1 sample

Presented by S. Example · Branch staff

Consents

Processing of my personal data for this application Mandatory Awaiting the applicant’s codeAccepted by code · 30 Oct 2026

A credit-bureau check on me Mandatory Awaiting the applicant’s codeAccepted by code · 30 Oct 2026

Contact by OTP and SMS about this application Mandatory Awaiting the applicant’s codeAccepted by code · 30 Oct 2026

Applicant’s code Sent to 90******04 · valid 10 minutes sample

Send code to the applicantResend code

Code the applicant reads out *

Application CF-26-000153 created Initiated · consent recorded against the applicant’s code

Next: Aadhaar OTP at submission · offline Aadhaar verification if the OTP cannot be completed

Approval

Demonstration Signed in as C. Example · Credit Head Signed in as A. Example · recommended these

Recommended — awaiting a decision 3 Days pending against a target of 3 days sample

Application	Applicant	Recommended	Score	Recommendation	Recommended on	Routed to	Evidence	Days pending
CF-26-000142	Arun Sample Main branch	₹ 5,00,000	742	Approve recommended	29 Oct 2026 10:05	Level 1 · Branch Manager · B. Example Escalated → Credit Head · C. Example	L3 Route B	2 of 3 days	Open
CF-26-000141	Meera Sample Main branch	₹ 9,00,000	801	Approve recommended	28 Oct 2026 16:20	Level 2 · Credit Head · C. Example	L3 Route B	2 of 3 days	Open
CF-26-000144	Joseph Sample North branch	No terms	488	Decline recommended	28 Oct 2026 11:30	Level 2 · Credit Head · C. Example	L1 Route A	3 of 3 days	Open

CF-26-000142 · Arun Sample Recommended Escalated from Level 1 · Branch Manager Sample Grocery Stores · Main branch · recommended by A. Example on 29 Oct 2026 10:05

Applied for₹ 5,00,000 60 months

Eligible maximum₹ 5,81,519 60 months at 12.50%

Recommended₹ 5,00,000 12.50% · 60 months · EMI ₹ 11,249 · 12.00% requested

Decided atLevel 2 · Credit Head C. Example · escalated from Level 1 · Branch Manager (B. Example)

Escalated 30 Oct 2026 02:05 — no decision within 16 hours of the recommendation sample · recommended 29 Oct 2026 10:05

Eligibility

Income considered — lower of declared ₹ 60,000 and verified ₹ 55,000₹ 55,000

Permissible share of income sample50% → ₹ 27,500

Existing obligations per month− ₹ 14,417

EMI capacity₹ 13,083

Obligations to income — now / with this loan26.2% / 46.7%

Age 41 · tenure by age (Below 45)84 months

Score 742 · Equifax Risk Score (300–900) (sample — VCL to confirm the scale)Highly favourable · 12.50% sample

Evidence

Credit reportL3 Route B · Pulled by VCL under its own Equifax membership

Report date · order number27 Oct 2026 · EQX-ORD-000000-01

Income evidenceBank statement, 6 months

Past due on existing loans₹ 0

Rate requested by the appraiser

Applicable band rate12.50% · EMI ₹ 11,249

Requested rate12.00% · EMI ₹ 11,123

Concession0.50 percentage points

ReasonNil past due; obligations serviced on time.

Appraiser’s remarks

Verified income and obligations support the amount. Recommended as proposed.

You recommended this application; another approver must decide it — approve, reject or return.

Return for clarification Reject Approve

CF-26-000141 · Meera Sample Recommended Sample Textiles · Main branch · recommended by A. Example on 28 Oct 2026 16:20

Applied for₹ 9,00,000 72 months

Eligible maximum₹ 22,10,872 72 months at 12.50%

Recommended₹ 9,00,000 12.50% · 72 months · EMI ₹ 17,831 · 12.00% requested

Decided atLevel 2 · Credit Head Amount and score — the higher level applies

Eligibility

Income considered — lower of declared ₹ 1,10,000 and verified ₹ 1,10,000₹ 1,10,000

Permissible share of income sample50% → ₹ 55,000

Existing obligations per month− ₹ 11,200

EMI capacity₹ 43,800

Obligations to income — now / with this loan10.2% / 26.4%

Age 47 · tenure by age (45 – 50)72 months

Score 801 · Equifax Risk Score (300–900) (sample — VCL to confirm the scale)Highly favourable · 12.50% sample

Evidence

Credit reportL3 Route B · Pulled by VCL under its own Equifax membership

Report date · order number27 Oct 2026 · EQX-ORD-000000-02

Income evidenceITR and bank statement

Past due on existing loans₹ 0

Rate requested by the appraiser

Applicable band rate12.50% · EMI ₹ 17,831

Requested rate12.00% · EMI ₹ 17,596

Concession0.50 percentage points

ReasonLong-standing customer; every loan repaid on time.

Appraiser’s remarks

Verified income and obligations support the amount. Recommended as proposed.

You recommended this application; another approver must decide it — approve, reject or return.

Return for clarification Reject Approve

CF-26-000144 · Joseph Sample Recommended Decline recommended — routed to Credit Head Sample Hardware · North branch · recommended by A. Example on 28 Oct 2026 11:30

Applied for₹ 4,00,000 48 months

Eligible maximum₹ 5,36,339 48 months at 16.00%Not final — 1 instalment not reported

RecommendationDecline recommended Past due ₹ 62,400 on existing loans

Decided atLevel 2 · Credit Head Amount and score — the higher level applies

Eligibility

Income considered — lower of declared ₹ 45,000 and verified ₹ 40,000₹ 40,000

Permissible share of income sample50% → ₹ 20,000

Existing obligations per month — reported instalments− ₹ 4,800

Lender G (bank) · Business term loan · instalment not reportedNot reported

EMI capacity₹ 15,200 Not final — 1 instalment not reported

Obligations to income — now / with this loanNot final — 1 instalment not reported

Age 54 · tenure by age (50 – 55)60 months

Score 488 · Equifax Risk Score (300–900) (sample — VCL to confirm the scale)Unfavourable · 16.00% sample

Evidence

Credit reportL1 Route A · Obtained by the applicant

Report date26 Oct 2026

Income evidenceBank statement, 6 months

Past due on existing loans₹ 62,400

Appraiser’s remarks

Past due of ₹ 62,400 on an existing loan, unresolved. Decline recommended.

Approval needs the credit report at L2 or above. This report is L1 (route A).

You recommended this application; another approver must decide it — approve, reject or return.

Return for clarification Reject

Approval levels sample Amount and score — the higher level applies

Level	Approver	Amount up to	Score at least	Rate concession up to	Escalates after
Level 1	Branch Manager	₹ 5,00,000	650	0.50 percentage points	16 hours → Level 2
Level 2	Credit Head	₹ 25,00,000	400	1.00 percentage point	—

Delegations

Delegations I have set + Set delegation

Delegate	Period	Products	Amount band	Acts under	Status
B. Example Branch Manager	3 Nov 2026 – 7 Nov 2026	Business Loan	Up to ₹ 10,00,000	My limits · Level 2 · Credit Head	Scheduled	Revoke
B. Example Branch Manager	26 Oct 2026 – 28 Oct 2026	Business Loan	Up to ₹ 25,00,000	My limits · Level 2 · Credit Head	Ended

Delegated to me

No delegation to you is in force

Escalated to me1

Application	From	Recommended	Escalated
CF-26-000142	Level 1 · Branch Manager · B. Example	29 Oct 2026 10:05	30 Oct 2026 02:05 after 16 hours sample

Decided on my behalf

Application	Applicant	Amount	Decision	Decided by	On behalf of	Date
CF-26-000148	Thomas Sample	₹ 15,00,000	Approved	B. Example	C. Example	28 Oct 2026

Stopper register

Demonstration Signed in as Tenant administrator · lifts stoppers Signed in as A. Example · Appraiser · applies stoppers

Identifier	Value	Type	Reason	Applied	Expires	Application	Status
PAN	XXXXX9753X	Permanent	Fraud	02 May 2026 · A. Example	—	—	Active	Lift
Mobile	90******43	Temporary	Reapply after 6 months	28 Oct 2026 · A. Example	28 Apr 2027	CF-26-000143	Active	Lift
Aadhaar	XXXX XXXX 0021	Temporary	Improve credit history	01 Jun 2026 · A. Example	01 Dec 2026	—	Active	Lift
Mobile	90******10	Temporary	Reapply after loan closure	02 Feb 2026 · A. Example	02 Aug 2026	—	Expired
PAN	XXXXX8642X	Permanent	Fraud	14 Mar 2026 · A. Example	—	—	Lifted 20 Oct 2026 · Tenant administrator

Messages

Sent	Application	Event	Recipient	Channel	Outcome	Attempts
30 Oct 10:12	CF-26-000150	Application submitted	Applicant · 90******50	SMS	Delivered	1
30 Oct 02:05	CF-26-000142	Escalated	C. Example · Credit Head	SMS	Delivered	1
30 Oct 02:05	CF-26-000142	Escalated	B. Example · Branch Manager	SMS	Delivered	1
29 Oct 17:05	CF-26-000149	Returned for clarification	A. Example · Appraiser	SMS	Delivered	1
29 Oct 15:30	—	Delegation created	B. Example, C. Example	SMS	Delivered	1
28 Oct 16:20	CF-26-000148	Approved	Applicant · 90******48	SMS	Failed	3
28 Oct 11:02	CF-26-000143	Rejected at approval	Applicant · 90******43	SMS	Delivered	1

Reports

Pipeline5

Applications by branchVolume and status by branch

Applications by districtVolume and status by district

Pending verificationVerification queue with days pending against target

Pending approvalApproval queue with days pending against target

Open

Turnaround analysisMedian and spread per stage; hold time excluded

Outcomes5

Approved applicationsApprovals in a period by branch and product

Rejected applicationsRejections in a period by branch and product

Rejection analysisReasons by level and stage

Open

Eligible vs approved amountApplied, eligible maximum, recommended, approved

Interest rate analysisRequested, granted and band rate; concessions by level

Risk and scoring4

Score distributionBureau score bands by product and period, per scale

Open

Scorecard reportsBand distribution, officer–scorecard divergence, override frequency

Stopper register reportStoppers by identifier type and reason

Temporary stopper expiryTemporary stoppers whose expiry is due

Portfolio profile2

Age-wise analysisApplicant age bands

Sector-wise analysisBusiness sectors including Other

Open

Operations and control4

Officer productivityItems settled, applications processed, time to release

Open

Extraction reportsExtraction accuracy, reconciliation failures, unrecognised codes

Field reportsTurnaround and ageing per visit, reallocations, paper fallbacks

Control reportsAssisted consents per staff member, identifier reveals, sends by event

Pending approval

Filters

Branch

Product

Level

Recommended between

Branches you are entitled to: Main branch, North branch, South branch

Pending approval3 Target 3 days sample Excel PDF

Application	Applicant	Branch	Recommended	Recommended on	Level	Held by	Days pending
CF-26-000142	Arun Sample	Main branch	₹ 5,00,000	29 Oct 2026 10:05	Level 2 · Credit Head escalated from Level 1	C. Example from B. Example	2 of 3 days
CF-26-000141	Meera Sample	Main branch	₹ 9,00,000	28 Oct 2026 16:20	Level 2 · Credit Head	C. Example	2 of 3 days
CF-26-000144	Joseph Sample	North branch	Decline	28 Oct 2026 11:30	Level 2 · Credit Head	C. Example	3 of 3 days

Rejection analysis

Filters

Branch

Product

Decided between

Stage

Branches you are entitled to: Main branch, North branch, South branch

Rejection analysissample 22 rejected of 60 decided Excel PDF

Reason	Verification	Appraisal	Approval L1	Approval L2	Total	Share
Past due on existing loans	—	4	1	2	7	32%
Income not sufficient	—	3	1	1	5	23%
Credit history	—	2	1	1	4	18%
Business profile	1	1	1	—	3	14%
Documentation	2	—	—	—	2	9%
Other	—	—	—	1	1	5%
Total	3	10	4	5	22	100%

Other carries the reason the staff member typed; the Control reports list those values.

Score distribution

Filters

Branch

Product

Decided between

Score scale

Branches you are entitled to: Main branch, North branch, South branch

Score distributionsample Equifax · Business Loan · version 1 · approved (sample) Excel PDF

Band	Range	Applications	Approved	Rejected	Approval rate
Reject	300 – 399	6	—	6	0%
Unfavourable	400 – 499	12	5	7	42%
Favourable	500 – 649	24	18	6	75%
Highly favourable	650 – 900	15	14	1	93%
No score returned	New to credit	3	1	2	33%
Total		60	38	22	63%

An application with no score is counted on its own row, never as a score of zero.

Sector-wise analysis

Filters

Branch

Product

Decided between

Sector

Branches you are entitled to: Main branch, North branch, South branch

Sector-wise analysissample Business sectors list, including Other Excel PDF

Sector	Applications	Approved	Rejected	Approved amount	Average approved
Grocery shop	18	12	6	₹ 40,80,000	₹ 3,40,000
Tea shop	11	7	4	₹ 14,70,000	₹ 2,10,000
Mobile phone shop	9	6	3	₹ 27,00,000	₹ 4,50,000
Medical shop	14	9	5	₹ 46,80,000	₹ 5,20,000
Other	8	4	4	₹ 11,20,000	₹ 2,80,000
Total	60	38	22	₹ 1,40,50,000	₹ 3,69,737

Other as entered: Tailoring 3, Bakery 2, Hardware 2, Stationery 1.

Officer productivity

Filters

Branch

Product

Decided between

Role

Branches you are entitled to: Main branch, North branch, South branch

Officer productivitysample Work settled in the period — not a judgement of the decisions Excel PDF

Staff member	Role	Stage	Applications	Items settled	Median time to release
V. Example	Verifier	Verification	60	412	1.2 days
A. Example	Appraiser	Appraisal	57	171	0.9 days
B. Example	Branch Manager	Approval · Level 1	30	—	0.6 days
C. Example	Credit Head	Approval · Level 2	17	—	1.1 days
F. Example	Field officer	Field verification	22	22	1.8 days
Decided at approval			47

Approval decided 47: 38 approved and 9 rejected; the other 13 rejections were made at verification and appraisal.

Verification

Awaiting verification

Main branch · North branch

On hold

flagged with a reason

Released to appraisal

this week

Awaiting verification2

Application	Applicant	Branch	Requested	Status	Flag	Days pending	Verifier
CF-26-000147	Priya Sample	Main branch	₹ 7,20,000	Under Verification	On hold Awaiting documents from the applicant	Paused	V. Example	Open verification
CF-26-000146	Kiran Sample	North branch	₹ 4,50,000	Under Verification	—	4 days	V. Example	Open verification

Released to appraisal · this week4

Application	Applicant	Released	Credit report	Appraiser	Status now
CF-26-000142	Arun Sample	28 Oct 2026	Route B · L3	A. Example	Recommended	Open verification
CF-26-000141	Meera Sample	28 Oct 2026	Route B · L3	A. Example	Recommended	Open verification
CF-26-000144	Joseph Sample	27 Oct 2026	Route A · L1	A. Example	Recommended	Open verification
CF-26-000145	Usha Sample	this week	—	A. Example	Verified	Open verification

Appraisal

My appraisals4

Application	Applicant	Requested	Score	Credit report	Status	Recommended	Days pending
CF-26-000142	Arun Sample	₹ 5,00,000	742	Route B · L3	Recommended	29 Oct 2026 10:05	2	Open appraisal
CF-26-000144	Joseph Sample	₹ 4,00,000	488	Route A · L1	Recommended	28 Oct 2026 11:30	3	Open appraisal
CF-26-000149	Lakshmi Sample	₹ 3,00,000	712	—	Returned	—	3	Open appraisal
CF-26-000145	Usha Sample	₹ 2,50,000	530	—	Verified	—	1	Open appraisal

CF-26-000142 · Arun Sample Business Loan · Main branch

Applied for₹ 5,00,00060 months

Maximum eligible₹ 5,81,519maximum EMI ₹ 13,083

Recommended₹ 5,00,00012.50% · EMI ₹ 11,249

Routes toBranch Managerrate 12.00% requested

Recommended on 29 Oct 2026 10:05 by A. Example Open appraisal

Allocation and monitoring

Open visits

2 applications

Overdue

Past the due date

Not allocated

Raised

Awaiting review

Submitted

Unsent on devices

Oldest 38 min

Visits by application5 Turnaround target 2 days per visit sample

Visit	Type	Visit is	Officer	Priority	Allocated	Due	State	Ageing
CF-26-000151 · Anil Sample · Sample Electricals · Main branch Provisionally Approved Field Verification
V-4417	Residential verification Anil Sample	Mandatory	F. Example	Normal	29 Oct 17:10	30 Oct 2026	Submitted Received 12:18 · awaiting review	1 of 2 days	Review
V-4418	Business verification Sample Electricals	Mandatory	F. Example	Normal	29 Oct 17:10	30 Oct 2026	In progress 1 item unsent on the device · 38 min	1 of 2 days	Reallocate
V-4419	Guarantor verification Vijay Sample	Mandatory	F. Example	Normal	29 Oct 17:10	31 Oct 2026	Allocated	1 of 2 days	Reallocate
CF-26-000152 · Divya Sample · Sample Bakery · Main branch Provisionally Approved Field Verification
V-4423	Residential verification Divya Sample	Mandatory	F. Example from G. Example · Today 09:30	High	26 Oct 16:00	29 Oct 2026 Overdue	Allocated Reallocated from G. Example today 09:30	4 of 2 days	Reallocate
V-4424	Business verification Sample Bakery	Mandatory	Not allocated	Normal	—	01 Nov 2026	Raised Raised manually today 10:15 · shop address differs from the one declared	0 of 2 days	Allocate

Officers As at 14:40 · unsent visits kept on a device 72 h sample

Officer	Visits held	Overdue	Unsent on the device	Oldest unsent	Device
F. Example FO123	4	1	1	38 min of 72 h	Phone · last sync today 14:02	Remote wipe
G. Example FO999	0	0	0	—	Reported lost Phone · last contact 28 Oct 18:20	Remote wipe
H. Example FO124	0	0	0	—	Phone · last sync today 13:10	Remote wipe

Allocation history

When	Visit	Change	By	Reason
Today 10:15	V-4424	Raised manually	D. Example	Shop address differs from the one declared
Today 09:30	V-4423	Reallocated G. Example → F. Example	D. Example	G. Example’s phone reported lost; visit overdue
29 Oct 17:10	V-4417, V-4418, V-4419	Allocated to F. Example	D. Example	—
26 Oct 16:00	V-4423	Allocated to G. Example	D. Example	—

Field review

Submitted — awaiting review1

Visit	Application	Type	Officer	Received	Integrity flags	Ageing
V-4417	CF-26-000151 · Anil Sample	Residential verification	F. Example	Today 12:18	3	1 of 2 days

V-4417 · Residential verification · Anil Sample Under reviewRead-only capture CF-26-000151 · 21 Sample Street, Sample Town

OfficerF. ExampleField officer

Captured on the device10:52 – 11:4630 Oct 2026 · received 12:18

TemplateResidential verificationversion 1

Officer’s recommendationSatisfactoryThe officer’s view

Reject as not credible Query Accept

Integrity flags3

Beyond the configured distance910 m from the address on record at the start of the visit, 10:52 · configured 200 m sampleOfficer’s explanation: “Started on the main road; the house is down the unpaved lane behind it.”

Location looks unreliableStreet approach photograph, 11:01 · accuracy ±3 m with a jump between fixes

2 photograph retakesFront elevation retaken 2×

Answers · in template order33

Arrival

1Who was metMandatoryThe applicant

2Applicant present at the visitMandatoryYes

3Notice read to third partiesMandatoryYes · read aloud 11:05 Third-party notice, version 1 — sample wording

Residence

4Residence ownershipMandatoryOwned

5ConstructionMandatoryConcrete

6Years at this addressMandatory9

7Front elevationMandatoryPhotograph · 10:58 · 140 m · retaken 2×

8Street approachMandatoryPhotograph · 11:01 · 140 m

Property

9Area of the propertyMandatory4 cents

10Survey numberMandatory000/0 (sample)

11Village and sub-divisionSample Village

12Held in the name ofThe applicant

13Ownership document sightedYes

14Ownership documentPhotograph · 11:20 · 150 m

Family

15Spouse nameThird party · enabled by the institutionSpouse (sample)

16Spouse occupationThird party · enabled by the institutionSelf-employed

17Spouse monthly income, if earningThird party · enabled by the institutionNot answered

18DependantsThird party · enabled by the institution3

19Of whom in educationThird party · enabled by the institution1

20Other relevant family detailsHousehold of four; no other earning member.

Neighbours

21Neighbours spoken toThird party · enabled by the institution

Neighbour 1

NameMandatoryNeighbour (sample)

Mobile number90******21

Opinion about the borrowerHas known the family for several years.

Assets

22Vehicles owned

Vehicle 1

TypeMandatoryTwo-wheeler

Registration numberMandatoryXX-00-XX-0000

Vehicle photographMandatoryPhotograph · 11:31 · 130 m

FinancedNo

23Other significant assetsNone recorded

Guarantors

24Guarantors offered

Guarantor 1

NameMandatoryVijay Sample

Relationship with the borrowerMandatorySibling

AddressMandatory7 Sample Lane, Sample Town

Phone numberMandatory90******44

Aadhaar numberMandatoryXXXX XXXX 0042 keyed reference kept

PANNot answered

OccupationMandatoryBusiness

Declaration

25Details read back to the applicantMandatoryYes

26Applicant signatureMandatorySigned on the device Anil Sample · 11:41

Checklist

27Applicant resides at the stated addressMandatoryYes

28A neighbour confirms residenceYes

29Family circumstances agree with what was declaredMandatoryYes

Conclusion

30Observations at the residenceMandatoryApplicant resides at the stated address; house well kept.

31Risk indicators seenNone seen.

32Officer’s recommendationMandatoryOfficer’s viewSatisfactory The officer’s view — not the institution’s decision

33Officer signatureMandatorySigned on the device F. Example · 11:46

Location Configured distance 200 m sample

Address on record Start 10:52 · 910 m 1234 200 m

Photographs4

1Front elevation

Front elevation 30 Oct 2026 · 10:58 140 m from the address · ±12 m Retaken 2× Camera · captured on the device

2Street approach

Street approach 30 Oct 2026 · 11:01 140 m from the address · ±3 m Location looks unreliable Camera · captured on the device

3Ownership document

Ownership document 30 Oct 2026 · 11:20 150 m from the address · ±12 m Camera · captured on the device

4Vehicle photograph

Vehicle photograph 30 Oct 2026 · 11:31 130 m from the address · ±12 m Camera · captured on the device

Approval pack · field verification · CF-26-000151 · Anil Sample Demonstration Now All visits completed, one Not satisfactory

Approval blocked — mandatory visits not completed: V-4417 Residential verification (under review), V-4418 Business verification (in progress), V-4419 Guarantor verification (allocated)

Visit	Type	Officer	Date	State	Recommendation	Integrity flags	Photographs	Blocks approval
V-4417	Residential verification · version 1	F. Example	30 Oct 2026	Under review	Satisfactory officer’s view	3	4	Yes · not completed
V-4418	Business verification · version 1	F. Example	—	In progress	—	0	0	Yes · not completed
V-4419	Guarantor verification · version 1	F. Example	—	Allocated	—	0	0	Yes · not completed

Field verification complete — the decision is the approver’s · Level 1 · Branch Manager

Visit	Type	Officer	Date	State	Recommendation	Integrity flags	Photographs	Blocks approval
V-4417	Residential verification · version 1	F. Example	30 Oct 2026	Completed	Satisfactory officer’s view	3	4	No
V-4418	Business verification · version 1	F. Example	30 Oct 2026	Completed	Not satisfactory officer’s view	0	5	No
V-4419	Guarantor verification · version 1	F. Example	31 Oct 2026	Completed	Satisfactory officer’s view	0	1	No

Field templates

Business Loan 3 published · 109 items

Template	Version	Status	Sections	Items	Mandatory	Photographs	Third party	Date
Residential verification	Version 1	Published	10	53	29	4	8	20 Oct 2026	Open Copy to a product
Residential verification	Version 2	Draft	10	52	29	4	7	Edited 29 Oct 2026	Open Preview Publish
Business verification	Version 1	Published	8	41	35	5	0	20 Oct 2026	Open Copy to a product
Guarantor verification	Version 1	Published	5	15	13	1	0	20 Oct 2026	Open Copy to a product
Shop re-visit (sample)	Version 1	Draft	1	3	0	1	0	Edited 29 Oct 2026	Open No mandatory items — cannot be published

Residential verification · Version 1 Published 53 items · 29 mandatory · 4 photographs

#	Item	Type	Mandatory	Applies when	Attributes
Arrival
1	Who was met	Choice	Yes
2	Why nobody could be met	Remark	Yes	Who was met is Nobody — premises locked
3	Applicant present at the visit	Check	Yes	Who was met is The applicant or Spouse or Family member
4	Notice read to third parties	Check	Yes		Spoken notice
Residence
5	Residence ownership	Choice	Yes
6	Landlord name	Text	No	Residence ownership is Rented	Third party · optional · enabled by the institution
7	Monthly rent	Number	No	Residence ownership is Rented
8	Landlord contact	Text	No	Residence ownership is Rented	Third party · optional · enabled by the institution
9	Construction	Choice	Yes
10	Years at this address	Number	Yes
11	Front elevation	Photograph	Yes		Outside · no-contact visit
12	Street approach	Photograph	Yes		Outside · no-contact visit
Property
13	Area of the property	Text	Yes	Residence ownership is Owned or Parent or family property
14	Survey number	Text	Yes	Residence ownership is Owned or Parent or family property
15	Village and sub-division	Text	No	Residence ownership is Owned or Parent or family property
16	Held in the name of	Choice	No	Residence ownership is Owned or Parent or family property
17	Ownership document sighted	Yes / No	No	Residence ownership is Owned or Parent or family property	Adverse answer: No
18	Ownership document	Photograph	No	Residence ownership is Owned or Parent or family property
19	This section does not apply to a rented residence	Note	—	Residence ownership is Rented
Family
20	Spouse name	Text	No		Third party · optional · enabled by the institution
21	Spouse occupation	Choice	No		Third party · optional · enabled by the institution
22	Spouse monthly income, if earning	Number	No		Third party · optional · enabled by the institution
23	Dependants	Number	No		Third party · optional · enabled by the institutionCount only
24	Of whom in education	Number	No		Third party · optional · enabled by the institutionCount only
25	Other relevant family details	Remark	No
Neighbours
26	Neighbours spoken to	Repeating group	No		Third party · optional · enabled by the institution
26.1	↳ Name	Text	Yes
26.2	↳ Mobile number	Text	No
26.3	↳ Opinion about the borrower	Remark	No
Assets
27	Vehicles owned	Repeating group	No
27.1	↳ Type	Choice	Yes
27.2	↳ Registration number	Text	Yes
27.3	↳ Vehicle photograph	Photograph	Yes
27.4	↳ Financed	Yes / No	No
28	Other significant assets	Repeating group	No
28.1	↳ Description	Text	Yes
28.2	↳ Approximate value	Number	No
Guarantors
29	Guarantors offered	Repeating group	No		Related party
29.1	↳ Name	Text	Yes
29.2	↳ Relationship with the borrower	Choice	Yes
29.3	↳ Address	Remark	Yes
29.4	↳ Phone number	Text	Yes
29.5	↳ Aadhaar number	Text	Yes		Shown masked
29.6	↳ PAN	Text	No
29.7	↳ Occupation	Choice	Yes
Declaration
30	Details read back to the applicant	Check	Yes
31	Applicant signature	Signature	Yes
Checklist
32	Applicant resides at the stated address	Yes / No	Yes		Adverse answer: No
33	A neighbour confirms residence	Yes / No	No		Adverse answer: No
34	Family circumstances agree with what was declared	Yes / No	Yes		Adverse answer: No
Conclusion
35	Observations at the residence	Remark	Yes
36	Risk indicators seen	Remark	No
37	Officer’s recommendation	Choice	Yes		Officer’s view
38	Officer signature	Signature	Yes

Residential verification · Version 2 Draft 52 items · 29 mandatory · 4 photographs

#	Item	Type	Mandatory	Applies when	Attributes
Arrival
1	Who was met	Choice	Yes
2	Why nobody could be met	Remark	Yes	Who was met is Nobody — premises locked
3	Applicant present at the visit	Check	Yes	Who was met is The applicant or Spouse or Family member
4	Notice read to third parties	Check	Yes		Spoken notice
Residence
5	Residence ownership	Choice	Yes
6	Landlord name	Text	No	Residence ownership is Rented	Third party · optional · enabled by the institution
7	Monthly rent	Number	No	Residence ownership is Rented
8	Construction	Choice	Yes
9	Years at this address	Number	Yes
10	Front elevation	Photograph	Yes		Outside · no-contact visit
11	Street approach	Photograph	Yes		Outside · no-contact visit
Property
12	Area of the property	Text	Yes	Residence ownership is Owned or Parent or family property
13	Survey number	Text	Yes	Residence ownership is Owned or Parent or family property
14	Village and sub-division	Text	No	Residence ownership is Owned or Parent or family property
15	Held in the name of	Choice	No	Residence ownership is Owned or Parent or family property
16	Ownership document sighted	Yes / No	No	Residence ownership is Owned or Parent or family property	Adverse answer: No
17	Ownership document	Photograph	No	Residence ownership is Owned or Parent or family property
18	This section does not apply to a rented residence	Note	—	Residence ownership is Rented
Family
19	Spouse name	Text	No		Third party · optional · enabled by the institution
20	Spouse occupation	Choice	No		Third party · optional · enabled by the institution
21	Spouse monthly income, if earning	Number	No		Third party · optional · enabled by the institution
22	Dependants	Number	No		Third party · optional · enabled by the institutionCount only
23	Of whom in education	Number	No		Third party · optional · enabled by the institutionCount only
24	Other relevant family details	Remark	No
Neighbours
25	Neighbours spoken to	Repeating group	No		Third party · optional · enabled by the institution
25.1	↳ Name	Text	Yes
25.2	↳ Mobile number	Text	No
25.3	↳ Opinion about the borrower	Remark	No
Assets
26	Vehicles owned	Repeating group	No
26.1	↳ Type	Choice	Yes
26.2	↳ Registration number	Text	Yes
26.3	↳ Vehicle photograph	Photograph	Yes
26.4	↳ Financed	Yes / No	No
27	Other significant assets	Repeating group	No
27.1	↳ Description	Text	Yes
27.2	↳ Approximate value	Number	No
Guarantors
28	Guarantors offered	Repeating group	No		Related party
28.1	↳ Name	Text	Yes
28.2	↳ Relationship with the borrower	Choice	Yes
28.3	↳ Address	Remark	Yes
28.4	↳ Phone number	Text	Yes
28.5	↳ Aadhaar number	Text	Yes		Shown masked
28.6	↳ PAN	Text	No
28.7	↳ Occupation	Choice	Yes
Declaration
29	Details read back to the applicant	Check	Yes
30	Applicant signature	Signature	Yes
Checklist
31	Applicant resides at the stated address	Yes / No	Yes		Adverse answer: No
32	A neighbour confirms residence	Yes / No	No		Adverse answer: No
33	Family circumstances agree with what was declared	Yes / No	Yes		Adverse answer: No
Conclusion
34	Observations at the residence	Remark	Yes
35	Risk indicators seen	Remark	No
36	Officer’s recommendation	Choice	Yes		Officer’s view
37	Officer signature	Signature	Yes

Business verification · Version 1 Published 41 items · 35 mandatory · 5 photographs

#	Item	Type	Mandatory	Applies when	Attributes
Arrival
1	Who was met at the premises	Choice	Yes
2	Why nobody could be met	Remark	Yes	Who was met at the premises is Nobody — premises closed
3	Premises open and trading at the time of the visit	Check	Yes	Who was met at the premises is The applicant or Employee or Family member
The business
4	Trade name on the board	Text	Yes
5	Nature of business observed	Text	Yes
6	Matches the declared sector	Yes / No	Yes		Adverse answer: No
7	Years at this location	Number	Yes
8	Premises	Choice	Yes
9	Monthly rent	Number	No	Premises is Rented or Leased
10	Trade licence or registration sighted	Yes / No	Yes		Adverse answer: No
11	GST registered	Yes / No	Yes
12	GST registration number	Text	Yes	GST registered is Yes
Premises
13	Approximate area	Text	Yes
14	People working at the premises	Number	Yes
15	Frontage with the board	Photograph	Yes		Outside · no-contact visit
16	Interior	Photograph	Yes
17	Office photograph	Photograph	Yes
Stock and assets
18	Approximate stock on hand	Number	Yes
19	Stock	Photograph	Yes
20	Equipment and machinery	Repeating group	No
20.1	↳ Description	Text	Yes
20.2	↳ Approximate value	Number	No
21	Vehicles used in the business	Repeating group	No
21.1	↳ Type	Choice	Yes
21.2	↳ Registration number	Text	Yes
21.3	↳ Vehicle photograph	Photograph	Yes
Activity and turnover
22	Customers seen during the visit	Number	Yes
23	Estimated daily footfall	Number	No
24	Records maintained	Choice	Yes
25	Turnover observed or indicated	Number	Yes
26	Consistent with the declared turnover	Yes / No	Yes		Adverse answer: No
27	Basis for the turnover observation	Remark	Yes
Declaration
28	Details read back to the applicant	Check	Yes
29	Applicant signature	Signature	Yes
Checklist
30	Business operates at the stated premises	Yes / No	Yes		Adverse answer: No
31	Scale of activity is consistent with the declared turnover	Yes / No	Yes		Adverse answer: No
32	The applicant is the person running the business	Yes / No	Yes		Adverse answer: No
Conclusion
33	Observations at the business	Remark	Yes
34	Risk indicators seen	Remark	No
35	Officer’s recommendation	Choice	Yes		Officer’s view
36	Officer signature	Signature	Yes

Guarantor verification · Version 1 Published 15 items · 13 mandatory · 1 photographs

#	Item	Type	Mandatory	Attributes
Arrival
1	Guarantor met in person	Check	Yes
2	Relationship to the applicant	Choice	Yes
3	Occupation	Choice	Yes
Residence
4	Residence ownership	Choice	Yes
5	Guarantor’s Aadhaar number	Text	Yes	Shown masked
6	Guarantor’s PAN	Text	No
7	Front elevation	Photograph	Yes
Declaration
8	Details read back to the guarantor	Check	Yes
9	Guarantor signature	Signature	Yes
Awareness
10	Aware of the guarantee being given	Yes / No	Yes	Adverse answer: No
11	Aware of the loan amount	Yes / No	Yes	Adverse answer: No
12	Aware of the obligation if the borrower defaults	Yes / No	Yes	Adverse answer: No
13	Remarks	Remark	No
Conclusion
14	Officer’s recommendation	Choice	Yes	Officer’s view
15	Officer signature	Signature	Yes

Shop re-visit (sample) · Version 1 Draft 3 items · 0 mandatory · 1 photographs

#	Item	Type	Mandatory
Re-visit
1	Shop open at the re-visit	Yes / No	No
2	Frontage	Photograph	No
3	Remarks	Remark	No

Audit

Filters

Table

All fourData changesAdmin activityUser activitySecurity events

User

Application

Period

Event

Audit trail Export

When	Table	Who	On behalf of	Event	Record	Old value	New value	Address	Remarks
30 Oct 2026 09:02	User activity	C. Example	—	Signed in	—	—	—	10.20.4.17	—
30 Oct 2026 02:05	Data changes	System · workflow	—	Escalated	CF-26-000142 · approval level	Level 1 · B. Example	→ Level 2 · C. Example	—	Pending beyond 16 hours
29 Oct 2026 15:30	Admin activity	C. Example	—	Delegation created	Delegation · B. Example	—	→ 3 Nov 2026 – 7 Nov 2026 · Business Loan · up to ₹ 10,00,000	10.20.4.17	Leave
29 Oct 2026 14:02	Security events	A. Example	—	Permission denied	CF-26-000142 · approve	—	—	10.20.4.31	Recommended by the same user
29 Oct 2026 12:40	User activity	B. Example	—	Identifier revealed	CF-26-000142 · PAN XXXXX1234X	—	—	10.20.6.12	Matching the credit report
29 Oct 2026 10:05	Data changes	A. Example	—	Status changed	CF-26-000142 · status	Verified	→ Recommended	10.20.4.31	Nil past due; obligations serviced on time.
29 Oct 2026 09:48	Security events	Applicant · 90******43	—	Stopper hit	Mobile 90******43 · sign-in OTP	—	—	—	Temporary stopper · Reapply after 6 months
28 Oct 2026 16:18	Data changes	B. Example	C. Example	Approved	CF-26-000148 · status	Recommended	→ Approved	10.20.6.12	Within delegated limits
28 Oct 2026 11:40	Data changes	V. Example	—	Value verified	CF-26-000142 · monthly income	₹ 60,000 · declared	→ ₹ 55,000 · verified	10.20.5.08	Bank statement, 6 months
28 Oct 2026 09:12	Admin activity	Tenant administrator	—	Master changed	Lists · Business sectors · GROCERY	Grocery	→ Grocery shop	10.20.1.05	Label as on the application form
20 Oct 2026 15:05	Data changes	Tenant administrator	—	Stopper lifted	Stopper · PAN XXXXX8642X	Active	→ Lifted	10.20.1.05	Applied in error

Products

Code	Product	Parties	Secured	Amount	Tenure	Repayment	Attributes	Effective from	Status
BL	Business Loan	Individual, Sole proprietor	No	₹ 1,00,000 – ₹ 25,00,000 sample	12 – 84 months	Monthly EMI	4 · 3 required	01 Jul 2026	Active	ViewEditCopy

Product attributes · Business Loan

Product attributes+ Add attribute

Order	Code	Label	Type	Required	List	Status
1	ANNUAL_TURNOVER	Annual turnover	Amount	Yes	—	Active	ViewEditCopy
2	YEARS_IN_BUSINESS	Years in business	Whole number	Yes	—	Active	ViewEditCopy
3	BUSINESS_SECTOR	Business sector	List	Yes	Business sectors	Active	ViewEditCopy
4	PREMISES_OWNED	Business premises owned	Yes / no	No	—	Active	ViewEditCopy

Districts

Code	District	State	Branches	Status
SDA	Sample District A	Sample State	Main branch, South branch	Active	ViewEditCopy
SDB	Sample District B	Sample State	North branch	Active	ViewEditCopy

Lists

Business sectors5 Loan types7 Rejection reasons6 Hold reasons4 Return reasons4 Waiver reasons3 Stopper reasons5 Not-credible reasons3 Status labels11 Role labels8

Business sectors SECTORsample+ Add value

Order	Code	Label	Asks for text	Status
1	GROCERY	Grocery shop	—	Active	ViewEditCopy
2	TEA_SHOP	Tea shop	—	Active	ViewEditCopy
3	MOBILE_SHOP	Mobile phone shop	—	Active	ViewEditCopy
4	MEDICAL	Medical shop	—	Active	ViewEditCopy
5	OTHER	Other	Yes	Active	ViewEdit

Loan types LOAN_TYPEsample+ Add value

Order	Code	Label	Asks for text	Status
1	BUSINESS	Business loan	—	Active	ViewEditCopy
2	PERSONAL	Personal loan	—	Active	ViewEditCopy
3	GOLD	Gold loan	—	Active	ViewEditCopy
4	VEHICLE	Vehicle loan	—	Active	ViewEditCopy
5	CONSUMER	Consumer loan	—	Active	ViewEditCopy
6	MICROFINANCE	Microfinance	—	Active	ViewEditCopy
7	OTHER	Other	Yes	Active	ViewEdit

Rejection reasons REJECTION_REASONsample+ Add value

Order	Code	Label	Asks for text	Status
1	PAST_DUE	Past due on existing loans	—	Active	ViewEditCopy
2	INCOME	Income not sufficient	—	Active	ViewEditCopy
3	CREDIT_HISTORY	Credit history	—	Active	ViewEditCopy
4	BUSINESS_PROFILE	Business profile	—	Active	ViewEditCopy
5	DOCUMENTATION	Documentation	—	Active	ViewEditCopy
6	OTHER	Other	Yes	Active	ViewEdit

Hold reasons HOLD_REASONsample+ Add value

Order	Code	Label	Asks for text	Status
1	AWAIT_DOCS	Awaiting documents from the applicant	—	Active	ViewEditCopy
2	NOT_REACHABLE	Applicant not reachable	—	Active	ViewEditCopy
3	AWAIT_LENDER	Awaiting a reply from another lender	—	Active	ViewEditCopy
4	OTHER	Other	Yes	Active	ViewEdit

Return reasons RETURN_REASONsample+ Add value

Order	Code	Label	Asks for text	Status
1	INCOME_EVIDENCE	Income evidence unclear	—	Active	ViewEditCopy
2	OBLIGATION	Obligation not reconciled	—	Active	ViewEditCopy
3	UNREADABLE	Document unreadable	—	Active	ViewEditCopy
4	OTHER	Other	Yes	Active	ViewEdit

Waiver reasons WAIVER_REASONsample+ Add value

Order	Code	Label	Asks for text	Status
1	SOURCE_UNAVAILABLE	Evidence not available from the source	—	Active	ViewEditCopy
2	COVERED	Covered by another document	—	Active	ViewEditCopy
3	OTHER	Other	Yes	Active	ViewEdit

Stopper reasons STOPPER_REASONsample+ Add value

Order	Code	Label	Ends	Asks for text	Status
1	REAPPLY_6M	Reapply after 6 months	6 months	—	Active	ViewEditCopy
2	REAPPLY_CLOSURE	Reapply after loan closure	Loan closure	—	Active	ViewEditCopy
3	CREDIT_HISTORY	Improve credit history	6 months	—	Active	ViewEditCopy
4	FRAUD	Fraud	Permanent	—	Active	ViewEditCopy
5	OTHER	Other	Set when applied	Yes	Active	ViewEdit

Not-credible reasons NOT_CREDIBLE_REASONsample+ Add value

Order	Code	Label	Asks for text	Status
1	NOT_FOUND	Business not found at the address	—	Active	ViewEditCopy
2	NOT_KNOWN	Applicant not known locally	—	Active	ViewEditCopy
3	OTHER	Other	Yes	Active	ViewEdit

Status labels STATUS_LABELsample+ Add value

Order	Code	Label	Status
1	INITIATED	Initiated	Active	ViewEditCopy
2	SUBMITTED	Submitted	Active	ViewEditCopy
3	UNDER_VERIFICATION	Under Verification	Active	ViewEditCopy
4	VERIFIED	Verified	Active	ViewEditCopy
5	RECOMMENDED	Recommended	Active	ViewEditCopy
6	RETURNED	Returned	Active	ViewEditCopy
7	APPROVED	Approved	Active	ViewEditCopy
8	REJECTED	Rejected	Active	ViewEditCopy
9	CLOSED	Closed	Active	ViewEditCopy
10	PROVISIONALLY_APPROVED	Provisionally Approved	Active	ViewEditCopy
11	FIELD_VERIFICATION	Field Verification	Active	ViewEditCopy

Role labels ROLE_LABELsample+ Add value

Order	Code	Label	Status
1	CF_VERIFIER	Verifier	Active	ViewEditCopy
2	CF_APPRAISER	Appraiser	Active	ViewEditCopy
3	CF_APPROVER_L1	Branch Manager	Active	ViewEditCopy
4	CF_APPROVER_L2	Credit Head	Active	ViewEditCopy
5	CF_FIELD_COORDINATOR	Field coordinator	Active	ViewEditCopy
6	CF_FIELD_OFFICER	Field officer	Active	ViewEditCopy
7	CF_BRANCH_STAFF	Branch staff	Active	ViewEditCopy
8	CF_ADMINISTRATOR	Administrator	Active	ViewEditCopy

Consent wordings

Consent wordingsWordingsample

Code	Consent	Set by	Mandatory	Version	Languages	Effective	Approved	Consents given	Status
DATA_PROCESSING	Processing of personal data	Product · fixed	Yes	3	English, Malayalam	01 Jul 2026	20 Jun 2026	12	In force	ViewNew version
DATA_PROCESSING	Processing of personal data	Product · fixed	Yes	2	English, Malayalam	01 Jan 2026 – 30 Jun 2026	18 Dec 2025	27	Superseded	View
BUREAU_PULL	Credit bureau check	Product · fixed	Yes	2	English, Malayalam	01 Jul 2026	20 Jun 2026	39	In force	ViewNew version
SMS_CONTACT	OTP and SMS contact	Product · fixed	Yes	1	English, Malayalam	01 Jan 2026	18 Dec 2025	39	In force	ViewNew version
TERMS	Terms of this application	Tenant	Yes	5	English	—	—	—	Draft	ViewEdit
TERMS	Terms of this application	Tenant	Yes	4	English, Malayalam	01 Jul 2026	20 Jun 2026	12	In force	ViewNew version
CALLBACK	Call me about this application	Tenant	No	1	English, Malayalam	01 Jan 2026	18 Dec 2025	21	In force	ViewNew version

Document types

Document typesBusiness Loan checklistsample

Code	Document type	Settles	Business Loan	Applicant sees	Media	Read	Retention	Status
BUREAU_REPORT_PDF	Credit report Evidence	Existing loans, past due, bureau score	Required	No	PDF · 25 MB	Yes	Original documents	Active	ViewEditCopy
BANK_STATEMENT	Bank statement Evidence	Income (verified)	Required	No	PDF · 25 MB	No	Original documents	Active	ViewEditCopy
INCOME_TAX_RETURN	Income tax return Evidence	Income (verified)	Optional	No	PDF · 25 MB	No	Original documents	Active	ViewEditCopy
BUSINESS_PROOF	Business proof Evidence	Business existence and vintage	Required	Yes	PDF, JPEG · 25 MB	No	Original documents	Active	ViewEditCopy
ADDRESS_PROOF	Address proof Evidence	Residence address	Required	Yes	PDF, JPEG · 25 MB	No	Original documents	Active	ViewEditCopy
PAN_PROOF	PAN card Evidence	PAN (identity)	Optional	Yes	PDF, JPEG · 25 MB	No	Original documents	Active	ViewEditCopy
FIELD_PHOTOGRAPH	Field photograph Photograph	Field visit findings	Field visit	No	JPEG · 10 MB	No	Field photographs	Active	ViewEditCopy
SIGNATURE	Signature Photograph	Field visit sign-off	Field visit	No	PNG · 10 MB	No	Field photographs	Active	ViewEditCopy
OTHER	Other Evidence	As described on upload	Optional	No	PDF, JPEG · 25 MB	No	Original documents	Active	ViewEditCopy

Score scales

Code	Scale	Bureau	Version	Range	Band sets	Status
EQX_RISK_SCORE	Equifax Risk Score sample	Equifax	—	300 – 900	1 · Business Loan	Active	ViewEditCopy

Bands on Equifax Risk ScoreBusiness Loan · version 1 · approved (sample)

Band	From	To	Rate
Reject	300	399	—
Unfavourable	400	499	16.00% sample
Favourable	500	649	14.00% sample
Highly favourable	650	900	12.50% sample

Notification events

Code	Event	Recipient	Carries	Channels	Hub template	Mandatory	Set by	Status
OTP_LOGIN	OTP · sign-in	Applicant's mobile	Code	SMS	credflow.otp_login Approved	Yes	Product	Enabled	ViewEdit
OTP_CONSENT	OTP · consent	Applicant's mobile	Code, lender, purpose, reference, amount	SMS	credflow.otp_consent Approved	Yes	Product	Enabled	ViewEdit
APPLICATION_SUBMITTED	Application submitted	Applicant's mobile	Application number	SMS	credflow.app_submitted Approved	Yes	Product	Enabled	ViewEdit
CONSENT_RECEIPT	Consent receipt	Applicant's mobile	Link, wording versions	SMS	credflow.consent_receipt Approved	Yes	Product	Enabled	ViewEdit
APPLICATION_APPROVED	Approved	Applicant's mobile	Application number, next step	SMS	credflow.app_approved Approved	Yes	Product	Enabled	ViewEdit
APPLICATION_DECLINED	Rejected at appraisal or approval	Applicant's mobile	Application number, whom to contact	SMS	credflow.app_declined Approved	Yes	Product	Enabled	ViewEdit
STATUS_CHANGED	Application acknowledged	Applicant	Status, next step	In-app	credflow.status_changed Approved	No	Product	Enabled	ViewEdit
RETURNED_FOR_CLARIFICATION	Returned for clarification	Appraiser	Application number, remarks	In-appSMS	credflow.returned Approved	No	Product	Enabled	ViewEdit
APPROVAL_ESCALATED	Escalated	Target and current holder	Application number, level	In-appSMS	credflow.escalated Approved	No	Product	Enabled	ViewEdit
DELEGATION_GRANTED	Delegation created or revoked	Delegate and delegator	Scope, period	In-appSMS	credflow.delegation Approved	No	Product	Enabled	ViewEdit
VISIT_ALLOCATED	Field visit allocated	Field officer	Visit, due date	In-app	credflow.visit_allocated Approved	No	Product	Enabled	ViewEdit
TURNAROUND_BREACH	Turnaround breach	Assigned officer and supervisor	Stage, days pending, target	In-appE-mail	credflow.tat_breach Approved	No	Product	Enabled	ViewEdit
ASSISTED_CONSENT_VOLUME	Assisted consents above threshold	Branch head, administrator	Staff member, branch, count	In-app	credflow.assisted_volume Not registered	No	Product	Disabled	ViewEdit
VCL_DOCS_AWAITED	Documents awaited	Applicant's mobile	Application number, next step	SMS	vcl.docs_awaited Approved	No	Tenant	Enabled	ViewEditCopy

Tenant identity

Tenant identityActive Edit

Legal name

VALUVANADU CAPITAL LIMITED

Brand name

Valuvanadu Capital sample

Products as customers see them

Business Loan · BL

Notice languages

English, Malayalam

Data-protection notice

Version 1 · effective 01 Jul 2026 sample

Grievance officersample

Name

Grievance Officer (sample)

E-mail

grievance@example.in

Phone

0000 000 000

Hours

Mon–Sat, 10am–5pm

Escalation route

RBI Ombudsman

Import or export masters

1Download

10 sheets · current values · 30 Oct 2026

2Upload

Choose a file or drop it here.xlsx · one workbook masters-VCL-2026-10-30.xlsx41 KB Check

3Dry run · masters-VCL-2026-10-30.xlsx No errors

Add

Change

Unchanged

Absent from the sheet · kept

Sheet	Rows in sheet	Add	Change	Unchanged	Absent · kept
Products	1	—	—	1	—
Product attributes	4	—	—	4	—
Districts	3	1	—	2	—
Branches	3	—	1	2	—
Lists	56	1	1	54	1
Consent wordings	7	—	—	7	—
Document types	9	—	—	9	—
Score scales	1	—	—	1	—
Notification events	14	—	—	14	—
Tenant identity	1	—	—	1	—
Total	99	2	2	95	1

Sheet	Code	Outcome	Row	Old → new
Districts	SDC	Add	Sample District C · Sample State	—
Lists	SECTOR · BAKERY	Add	Bakery	—
Lists	LOAN_TYPE · MICROFINANCE	Change	Label	Microfinance → Microfinance (MFI)
Branches	NB01	Change	Phone	0000 000 002 → 0000 000 012
Lists	REJECTION_REASON · DOCUMENTATION	Absent · kept, not deleted	Documentation	—

Discard Load

4Import job · masters-VCL-2026-10-30.xlsx Completed Queued 11:41:52 · started 11:41:53 · completed 11:41:56 · Tenant administrator

ProductsDone

Product attributesDone

DistrictsDone

BranchesDone

ListsDone

Consent wordingsDone

Document typesDone

Score scalesDone

Notification eventsDone

Tenant identityDone

Added2

Changed2

Unchanged95

Absent from the workbook · kept1

Deleted0

Loads

File	By	Queued	Rows	Outcome
masters-VCL-2026-10-30.xlsx	Tenant administrator	30 Oct 2026 11:41	99	Completed
masters-VCL-2026-10-27.xlsx	Tenant administrator	27 Oct 2026 14:10	98	Completed
masters-VCL-2026-10-26.xlsx	Tenant administrator	26 Oct 2026 17:32	—	Refused Lists · LOAN_TYPE has no Other

Branches

Code	Branch	District	Entity	Phone	Status
MB01	Main branch	Sample District A	VCL	0000 000 001	Active	ViewEditCopy
NB01	North branch	Sample District B	VCL	0000 000 002	Active	ViewEditCopy
SB01	South branch	Sample District A	VCL	0000 000 003	Active	ViewEditCopy

Policy packs

Policy packs Credit policies and their versions: drafted, validated, submitted and approved by a second person; the approved version governs appraisal

Code	Name	Latest version	Governs today	Status
BL_CREDIT	Business Loan credit policysample	v3 · Draft	Business Loan	Active	View

BL_CREDIT · versions Newest first; a submitted version is approved by a second person

Version	State	Governs	Effective from	Effective to	Prepared by	Approved by	Pinned applications
v3	Draft	Business Loan	—	—	Tenant administrator · 29 Oct 2026	—	—	Open draftSubmit for approval
v2	Approved	Business Loan	01 Oct 2026	—	Tenant administrator · 22 Sep 2026	S. Admin (second administrator) · 24 Sep 2026	42	OpenCompare with…History
v1	Superseded	Business Loan	01 Jul 2026	30 Sep 2026	Tenant administrator · 20 Jun 2026	S. Admin (second administrator) · 22 Jun 2026	18	OpenHistory

Tenant settings

Groups

CredFlow tenant settings

CredFlow tenant settingssample Editing at scope

Operations

Processing mode Not overridable here

Set by Syut at onboarding; read-only here

Turnaround target (days) Overridden here

Days from submission to decision

Turnaround alerts Overridden here

Alert the supervisor when an application passes the target

Turnaround alert after (hours) Overridden here

Hours past the target before the alert

Applications

Abandon an untouched application after (days) Overridden here

An application nobody touches closes as abandoned

Keep an unverified staff draft for (hours) Default

An assisted draft the applicant has not verified is discarded after

Assisted entry Overridden here

Branch staff may enter an application with the applicant present

Application link mode Overridden here

One standing link, or single-use invitations

Evidence

Maximum age of a credit report (days) Overridden here

An older report is refused for appraisal

Maximum age of a statement (days) Overridden here

An older bank statement is refused

Field verification

Field verification in use Overridden here

Field visits are part of this product

Distance threshold (metres) Overridden here

A visit recorded further than this from the address is flagged

Field visit target (days) Overridden here

Days from allocation to a submitted visit

Sign-in codes

OTP expiry (seconds) Default

How long a one-time code stays valid

OTP attempts per challenge Default

Wrong codes allowed before a new code is needed

Retention

Retention: original documents (months) Overridden here

Kept until this period ends, then deleted

Retention: decision records (months) Overridden here

Kept until this period ends, then deleted

Password reset requests

User ID	State	Why	Requested	Expires	Decided by	Note
f.example	Pending	No verified email or mobile	2 h ago	in 22 h	—	—	Send reset link or codeIssue temporary passwordReject
ta.admin	Pending	Self-service is off for the organisation	5 h ago	in 19 h	—	—	Your own request — another administrator acts
v.example	Link sent	Self-service is off for the organisation	1 d ago	—	Tenant administrator · 1 d ago	Called on the number in the staff register
s.example	Temporary password	No verified email or mobile	3 d ago	—	Tenant administrator · 3 d ago	Confirmed in person at the branch
unknown.user	Rejected	Self-service is off for the organisation	4 d ago	—	Tenant administrator · 4 d ago	No such staff member at any branch
a.example	Expired	Self-service is off for the organisation	9 d ago	—	—	—

Providers

CapabilitiesA capability with no binding has no source; there is no platform default

Capability	Tier	Purposes	Resolved by	Readiness
Credit profile	1	Credit assessment	Tenant administrator	Configured
Identity verification	1	Identity, address	Tenant administrator	Not configured
Financial transactions	1	Banking, income flow	Tenant administrator	Configured
Income evidence	1	Income, tax filing	Tenant administrator	Configured
Geocoding and map tiles	3	Address geocode, map tiles	Syut	Not configured
Document storage	3	Evidence, photograph, payload	Syut	Configured

Bindingssample A product’s own binding wins over the all-products one

Capability	Purpose	Product	Source	Provider	Document types	Assurance	If insufficient	Status
Credit profile	Credit assessment	Business Loan	Document	Equifax credit report (PDF)	Credit report	L1 · L3 by route	Request remediation	Enabled
Financial transactions	Banking	Business Loan	Document	—	Bank statement	L1	Request remediation	Enabled
Income evidence	Income	Business Loan	Declared	—	—	L0	Request remediation	Enabled
Document storage	Evidence	All products	Provider API	Syut document storage	—	—	Escalate to source	Enabled	Credentials

Credentials are write-only: once saved, only a masked hint, who set them and when, and the last test are shown — never the value, to any role.

Readiness

Not fully ready

Last run 30 Oct 2026 09:15 by Tenant administrator

Blocking gaps

Appraisals cannot complete while these stand

Warnings

Configuration resolves, but weakly

Awaiting Syut

Findings a Syut administrator resolves

Tenant administrator · 3

	Finding	Severity	Consequence if left	Resolves at
1	Setting operations.business_calendar (Business calendar) has no value Required, and no default is set	Blocking	Turnaround and expiry cannot count business days	Settings › Tenant settings
2	Setting retention.periods.field_photographs (Retention: field photographs) has no value Required, and no default is set	Blocking	Field photographs have no deletion date	Settings › Tenant settings
3	Capability Identity verification (IDENTITY_VERIFICATION) is not configured Not configured: no binding on Providers	Warning	Identity is verified by documents only	Settings › Providers

Syut · 1

	Finding	Severity	Consequence if left	Resolves at
1	Capability Geocoding and map tiles (GEOCODING) is not configured Not configured: no binding on Providers	Warning	Field visits show no map and no distance flag	Settings › Providers

History

Run at	Run by	Result	Blocking	Warnings
30 Oct 2026 09:15	Tenant administrator	Not ready	2	2
27 Oct 2026 17:40	Tenant administrator	Not ready	5	3

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Choose a screen from the menu on the left to open one.

C. Example

Display Options

Account

Dashboard

Application queue

New application (assisted)

Approval

Delegations

Stopper register

Messages

Reports

Pending approval

Rejection analysis

Score distribution

Sector-wise analysis

Officer productivity

Verification

Appraisal

Allocation and monitoring

Field review

Field templates

Audit

Products

Districts

Lists

Consent wordings

Document types

Score scales

Notification events

Tenant identity

Import or export masters

Branches

Policy packs

Tenant settings

Password reset requests

Providers

Readiness

Path	v2	v1
bands[2].rate	14.00	14.50
approval.levels[0].limit	5,00,000	3,00,000

When	Event	By	Reason
01 Oct 2026 00:00	Took effect	System	—
24 Sep 2026 11:40	Approved	S. Admin (second administrator)	—
22 Sep 2026 16:05	Submitted for approval	Tenant administrator	—
22 Sep 2026 10:12	Prepared	Tenant administrator	—

Verification item	Verified against	Applicant provided → found	Status
Credit report · exception resolved	PDF upload · Equifax	— → Score 742	Verified Route B · L3
Monthly income · exception resolved	Document · bank statement, 6 months	₹ 60,000 → ₹ 55,000	Verified L2
Existing obligations · exception resolved	Credit report · route B	₹ 11,600 → ₹ 14,417	Verified L3
Identity	Aadhaar OTP · at submission	Arun Sample → Verified by OTP	Verified Aadhaar OTP · L3
Mobile number	Sign-in code · at Initiated	90****01 → Verified**	Verified Sign-in code
PAN	Document · PAN card	XXXXX1234X → XXXXX1234X	Verified L2
Date of birth and age	Credit report	Year of birth 1985 → 1985 · age 41	Matched L3
Address	Document · utility bill	12 Sample Street, Sample Town → Agrees	Verified L2
Business existence and vintage	Document · GST registration certificate	Sample Grocery Stores → Registered 2019	Verified L2
Applicant photograph	Branch	— → Waived	Waived

Lender · as reported	Type	Declared	Balance	Instalment	Frequency	Monthly	Treatment
Lender A (bank)	Business loan	Declared	₹ 2,40,000	₹ 9,500	Monthly	₹ 9,500	Counted
Lender B (NBFC)	Gold loan	Declared	₹ 1,20,000	None by nature	Bullet	—	Not counted · bulletsample
Lender C (MFI)	Microfinance	Not declared	₹ 18,000	₹ 650	Weekly	₹ 2,817 × 52 ÷ 12	Counted
Lender D (NBFC)	Consumer loan	Declared	₹ 4,200	₹ 2,100	Monthly	₹ 2,100	Counted · closes in 2 months
Declared ₹ 11,600 a month · found 4 accounts			Counted monthly			₹ 14,417	the higher of declared and found

#	Parameter	Value	Band	Threshold
1	Bureau score	742	Highly favourable	Equifax Risk Score (300–900) (sample — VCL to confirm the scale)
2	Existing overdue	₹ 0	Highly favourable	Reject above ₹ 10,000
3	Existing FOIR	26.2%	Highly favourable	Up to 30% highly favourable · above 50% reject
4	Open accounts	4	Favourable	Up to 3 highly favourable · 4–6 favourable
Indicative result			Highly favourable

Lender · as reported	Type	Declared	Balance	Instalment	Frequency	Monthly	Treatment
Lender F (NBFC)	Personal loan	Declared	₹ 96,000	₹ 4,800	Monthly	₹ 4,800	Counted
Lender G (bank)	Business term loan	Not declared	₹ 1,50,000	Not reported	Not reported	—	Exception · instalment not reported
Declared ₹ 4,800 a month · found 2 accounts			Counted monthly			₹ 4,800	+ 1 not reported

Account	Balance	Instalment reported	Monthly	Treatment
Lender A (bank) Business loan	₹ 2,40,000	₹ 9,500 monthly	₹ 9,500	Counted as reported
Lender B (NBFC) Gold loan	₹ 1,20,000	None by nature	—	Not counted · bulletsample
Lender C (MFI) Microfinance · not declared	₹ 18,000	₹ 650 weekly	₹ 2,817	Counted as reported
Lender D (NBFC) Consumer loan	₹ 4,200	₹ 2,100 monthly	₹ 2,100	Counted as reported
Counted monthly				₹ 14,417

Account	Balance	Instalment reported	Monthly	Treatment
Lender F (NBFC) Personal loan	₹ 96,000	₹ 4,800 monthly	₹ 4,800	Counted as reported
Lender G (bank) Business term loan · not declared	₹ 1,50,000	Not reported	—	Business term loan · instalment not reported
Counted monthly · 1 instalment not reported				₹ 4,800
Total past due · report summary				₹ 62,400

Service	How	Settles	Last result	Status
Aadhaar OTP	At submission	Identity	Verified · 27 Oct 2026	Verified
Sign-in code	At Initiated	Mobile number	Verified when the application was initiated	Verified
Credit report · Equifax	PDF upload, route stated at upload	Credit report · obligations · date of birth	Read · 27 Oct 2026	Verified
PAN verification	Later release	PAN	—	Later release
GST verification	Later release	Business existence and vintage	—	Later release

Document	Settles	File	Assurance	Status	Received
Credit report · Equifax	Credit report · obligations · date of birth	equifax-report.pdf	Route B · L3	Verified	27 Oct 2026 · V. Example
Bank statement · 6 months	Monthly income	bank-statement-6m.pdf	L2	Verified	27 Oct 2026 · V. Example
PAN card	PAN	pan-card.jpg	L2	Verified	27 Oct 2026 · V. Example
Utility bill	Address	utility-bill.pdf	L2	Verified	27 Oct 2026 · V. Example
GST registration certificate	Business existence and vintage	gst-certificate.pdf	L2	Verified	27 Oct 2026 · V. Example