Loan Stages

May 2021
All cases will be bifurcated into mutually exclusive 3 tabs:
1) Leads
2) Prospects
3) Customer

“Customer” queue will have multiple stages and substages as indicated above.

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guarantee. All rights reserved.

Document Classification: KPMG Confidential

 FO App View: Lead Tab (accessed from Hamburger Menu)
Case will be initiated as a lead and will be part of the leads tab till the first visit is made and “Checked in”

Case 1: Padmakumar

Leads Stage: Lead

Prospects

Customer

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guarantee. All rights reserved.

Document Classification: KPMG Confidential

 FO App View: Prospect Tab (accessed from Hamburger Menu)
Case will move from Lead tab to prospect tab once the first visit to the customer is made.

Basic Details 
Case 1: Padmakumar
Applicant KYC 
Leads Stage: Prospect
Tag: Warm Co-Applicant KYC 

Actionable tabs for FO

Prospects Scorecard 
Case 2: Joy
PMAY Eligibility 
Customer Stage: Prospect
Tag: Hot Employment details

Property Details

Financial Documents

Detailed profiling

Initial Money Deposit

Submit
© 2021 KPMG Assurance and Consulting Services LLP, an Indian Limited Liability Partnership and a member firm of the KPMG global organization of independent member firms affiliated with KPMG International Limited, a private English company limited by 4
guarantee. All rights reserved.

Document Classification: KPMG Confidential

FO App View: Customer Tab : Credit decisioning: Recommendation pending
Case will enter credit decisioning stage once IMD has been collected and CAE clears the case as “OK for login”

Credit Disb. Fix

SUD Disb. Make
Decisioning

Field Investigation 
Case 1: Padmakumar
RCU Verification 
Leads

View only screen for FO

Stage: Credit Decisioning
Sub-Stage: Recommendation Technical
pending
Prospects Legal

Vetting
Customer
Personal Discussion 

Recommendation

Financial Sanction
Final Sanction

Tab status will be similar to credit dashboard – Not initiated, WIP, Completed
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guarantee. All rights reserved.

Document Classification: KPMG Confidential

FO App View: Customer Tab : Credit decisioning: Case recommended
Case will enter case recommended stage once the case has moved out of BCM queue for further approvals

Credit Disb. Fix

SUD Disb. Make
Decisioning

Field Investigation 
Case 1: Padmakumar
RCU Verification 
Leads

View only screen for FO

Stage: Credit Decisioning
Sub-Stage: Case Technical
Recommended
Prospects Legal

Vetting
Customer
Personal Discussion 

Recommendation 

Financial Sanction
Final Sanction

Tab status will be similar to credit dashboard – Not initiated, WIP, Completed
© 2021 KPMG Assurance and Consulting Services LLP, an Indian Limited Liability Partnership and a member firm of the KPMG global organization of independent member firms affiliated with KPMG International Limited, a private English company limited by 6
guarantee. All rights reserved.

Document Classification: KPMG Confidential

FO App View: Customer Tab : Credit decisioning: Financial Sanction
Case will enter financial sanction sub-stage in case technical is not complete, but sanction is available. Case will remain in
credit decisioning stage till final sanction is done.

Credit Disb. Fix

SUD Disb. Make
Decisioning

Field Investigation 
Case 1: Padmakumar
RCU Verification 
Leads

View only screen for FO

Stage: Credit Decisioning
Sub-Stage: Financial sanction Technical
complete
Prospects Legal

Vetting
Customer
Personal Discussion 

Recommendation 

Financial Sanction 

Final Sanction

Tab status will be similar to credit dashboard – Not initiated, WIP, Completed
© 2021 KPMG Assurance and Consulting Services LLP, an Indian Limited Liability Partnership and a member firm of the KPMG global organization of independent member firms affiliated with KPMG International Limited, a private English company limited by 7
guarantee. All rights reserved.

Document Classification: KPMG Confidential

FO App View: Customer Tab : Credit decisioning: Final Sanction
Case will enter financial sanction sub-stage in case technical is not complete, but sanction is available. Case will remain in
credit decisioning stage till final sanction is done.

Credit Disb. Fix

SUD Disb. Make
Decisioning

Field Investigation 
Case 1: Padmakumar
RCU Verification 
Leads

View only screen for FO

Stage: Credit Decisioning
Sub-Stage: Financial Sanction Technical 
Complete
Prospects Legal

Vetting
Customer
Personal Discussion 

Recommendation 

Financial Sanction 

Final Sanction

Tab status will be similar to credit dashboard – Not initiated, WIP, Completed
© 2021 KPMG Assurance and Consulting Services LLP, an Indian Limited Liability Partnership and a member firm of the KPMG global organization of independent member firms affiliated with KPMG International Limited, a private English company limited by 8
guarantee. All rights reserved.

Document Classification: KPMG Confidential

FO App View: Customer Tab : Credit decisioning: Final Sanction
Case will enter Loan Fix Maker sub-stage once the final sanction has been approved by the relevant credit authority
Clicking on any of the completed stages should
show the previous screen with all “Ticks”

Credit Disb. Fix

SUD Disb. Make
Decisioning

Field Investigation 
Case 1: Padmakumar
RCU Verification 
Leads

View only screen for FO

Stage: Sanction Un-Disb. Technical 
Sub-Stage: Loan Fix Maker
Prospects Legal 
Vetting 
Customer
Personal Discussion 
Once final sanction is complete,
current stage changes to sanction Recommendation 
un-disbursed and sub stage
changes to loan fix maker Financial Sanction 

Final Sanction 

Tab status will be similar to credit dashboard – Not initiated, WIP, Completed
© 2021 KPMG Assurance and Consulting Services LLP, an Indian Limited Liability Partnership and a member firm of the KPMG global organization of independent member firms affiliated with KPMG International Limited, a private English company limited by 9
guarantee. All rights reserved.

Document Classification: KPMG Confidential

FO App View: Customer Tab : Sanction Un-Disbursed: Loan Fix Maker
Case will enter Loan Fix Maker sub-stage once the final sanction has been approved by the relevant credit authority

Credit Disb. Fix

SUD Disb. Make
Decisioning

Case 1: Padmakumar Sanction conditions 

Leads Stage: Sanction Un-Disbursed Loan terms and charges 

Actionable tabs for FO

Sub stage: Loan Fix Maker
Repayment details 
Prospects
Beneficiary Details 
Customer
Loan Kit Execution

Property Documents

Additional Documents

Submit

© 2021 KPMG Assurance and Consulting Services LLP, an Indian Limited Liability Partnership and a member firm of the KPMG global organization of independent member firms affiliated with KPMG International Limited, a private English company limited by 10
guarantee. All rights reserved.

Document Classification: KPMG Confidential

FO App View: Customer Tab: Sanction Un-Disbursed : Loan Fix Maker
Case will remain in Loan Fix maker sub-stage till case is sent to ops for their review

Credit Disb. Fix

SUD Disb. Make
Decisioning

PSD verification 
Case 1: Padmakumar

View only tabs for FO

Leads Legal (shown if triggered) 
Stage: Sanction Un-Disbursed
Sub stage: Loan Fix Maker Vetting (shown if triggered) 
Prospects
RCU 

Customer
Property Visit 

DM approved by credit 

© 2021 KPMG Assurance and Consulting Services LLP, an Indian Limited Liability Partnership and a member firm of the KPMG global organization of independent member firms affiliated with KPMG International Limited, a private English company limited by 11
guarantee. All rights reserved.

Document Classification: KPMG Confidential

FO App View: Customer Tab: Sanction Un-Disbursed : Loan Fix Checker
Case will enter Loan Fix checker sub-stage once the DM and case have been submitted for Ops review.

Credit Disb. Fix

SUD Disb. Make

View only tabs for FO

Decisioning

Case 1: Padmakumar Ops Review & Payment

authorization 
Leads Stage: Sanctioned Un-Disbursed
Sub stage: Loan Fix Checker
Prospects

Customer

© 2021 KPMG Assurance and Consulting Services LLP, an Indian Limited Liability Partnership and a member firm of the KPMG global organization of independent member firms affiliated with KPMG International Limited, a private English company limited by 12
guarantee. All rights reserved.

Document Classification: KPMG Confidential

 FO App View: Login Tab : Disbursement Fix
Case will enter disbursement fix stage if ops clears the DM and authorizes the payment.

OTC clear will be a view only Tab for FO. Payment

release will be view only if NEFT mode is used.
Credit Disb. Fix
SUD Disb. Make
Decisioning

Case 1: Padmakumar OTC Collection 

Leads Stage: 1st tranche disbursement Fix OTC Clearance 
/Disbursement fix (if full disb.)
Payment release (or cheque
Prospects 
handover)

Customer

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guarantee. All rights reserved.

Document Classification: KPMG Confidential

 FO App View: Customer Tab : Disbursement Make: Disb Fix
Once payment release/cheque handover is done, the case will be tagged as disbursement make. FO will be able to undertake PDD
activities in PDD management tab (PDD collection, clearance etc.). FO will also be able to do tranche disbursement under this tab.

Credit Disb. Fix

SUD Disb. Make
Decisioning

FO actionable
Tranche disbursement
Case 1: Padmakumar 
initiation
Leads Stage: Disbursement Make PDD management 

tabs
Sub stage: 2nd Tranche disbursement Fix

Prospects DRF Signing (disabled till technical

is complete & DRF is triggered to FO) 
Case 2: Joy
Customer Stage: Disbursement Make
Sub stage: Full disbursement

Case 2: Joy

Stage: Disbursement Make Submit

Sub stage: 3rd tranche disbursement make

© 2021 KPMG Assurance and Consulting Services LLP, an Indian Limited Liability Partnership and a member firm of the KPMG global organization of independent member firms affiliated with KPMG International Limited, a private English company limited by 14
guarantee. All rights reserved.

Document Classification: KPMG Confidential

 FO App View: Customer Tab : Disbursement Make: Tranche Fix
Once payment release/cheque handover is done, the case will be tagged as disbursement make. FO will be able to undertake PDD
activities in PDD management tab (PDD collection, clearance etc.). FO will also be able to do tranche disbursement under this tab.

Credit Disb. Fix

SUD Disb. Make
Decisioning

FO view tabs
Case 1: Padmakumar Technical evaluation

Leads Stage: Disbursement Make Credit clearance

Sub stage: 1st Tranche disbursement Fix

Prospects Ops clearance

Case 2: Joy
Customer Payment Release
Stage: Disbursement Make
Sub stage: Full disbursement

Case 2: Joy

Stage: Disbursement Make

Sub stage: 2nd tranche disbursement make

© 2021 KPMG Assurance and Consulting Services LLP, an Indian Limited Liability Partnership and a member firm of the KPMG global organization of independent member firms affiliated with KPMG International Limited, a private English company limited by 15
guarantee. All rights reserved.

Document Classification: KPMG Confidential

 FO App View: Customer Tab : Disbursement Make: Tranche Make
Once payment release/cheque handover is done, the case will be tagged as disbursement make. FO will be able to undertake PDD
activities in PDD management tab (PDD collection, clearance etc.). FO will also be able to do tranche disbursement under this tab.

Credit Disb. Fix

SUD Disb. Make
Decisioning

FO actionable
3rd Tranche disbursement
Case 1: Padmakumar initiation
Leads Stage: Disbursement Make PDD management

tab
Sub stage: 1st Tranche disbursement Fix

Prospects DRF Signing (disabled)

Case 2: Joy
Customer Stage: Disbursement Make
Sub stage: Full disbursement

Case 2: Joy

Stage: Disbursement Make Submit

Sub stage: 2nd tranche disbursement make

© 2021 KPMG Assurance and Consulting Services LLP, an Indian Limited Liability Partnership and a member firm of the KPMG global organization of independent member firms affiliated with KPMG International Limited, a private English company limited by 16
guarantee. All rights reserved.

Document Classification: KPMG Confidential

Dashboard Elements
 FO Dashboard Elements Elements in SM & above dashboard
Elements in FO dashboard
SM & above dashboard to have drop down to select:
Value Volume 1) Self
Leads Y Y 2) Any immediate reportee
Prospects (cold) Y Y 3) Aggregate team (self + reporting team members)

Prospects (Hot) Y Y Value Volume

Login but not Y Y Leads Y Y
sanctioned
Prospects (cold) Y Y
Sanctioned but not Y Y
Prospects (Hot) Y Y
disbursed
Disbursement Fix Y Y Login but not Y Y
sanctioned
Disbursement Make - Y Y
Sanctioned but not Y Y
Full
disbursed
Disbursement Make - Y Y
Disbursement Fix Y Y
Tranche
Disbursement Make - Y Y
Rejected Y Y
Full

Above information will be shown for YTD, MTD Disbursement Make -

Tranche
Rejected Y Y
Above information will be shown for YTD, MTD
© 2021 KPMG Assurance and Consulting Services LLP, an Indian Limited Liability Partnership and a member firm of the KPMG global organization of independent member firms affiliated with KPMG International Limited, a private English company limited by 18
guarantee. All rights reserved.

Document Classification: KPMG Confidential