Secured and unsecured: mortgage, gold, vehicle, personal — plus the collateral and recovery layers around them.
Mortgage & LAP file tracking Property files, title documents and valuations live across email, cupboards and three different spreadsheets.
Property and title document register with custody tracking Valuation and re-valuation schedule with due alerts Legal and technical report status per file Sanction-to-disbursement stage trackerSee it running Pledge & gold loan management Purity, weight, packet numbers and release entries are recorded by hand, so audits and shortages are painful.
Pledge register: weight, purity, packet and vault location Rate-linked LTV monitoring with breach alerts Part-release and re-pledge history Auction eligibility and notice trackingSee it running Hypothecation & vehicle loan monitoring RC endorsement, insurance renewal and repossession status are tracked by memory and phone calls.
RC / charge endorsement status per asset Insurance renewal and expiry watchlist Field visit and repossession log with photo proof Asset disposal and settlement trailSee it running Unsecured & personal loan workflows Lead-to-disbursement moves over WhatsApp, so nobody can say where a file is stuck or why it was declined.
Lead capture, allocation and DSA-wise tracking Credit scorecard inputs and multi-level approval Deviation and decline reasons captured every time Disbursement and repayment schedule generationSee it running Collections & recovery Overdue lists are re-cut in Excel every morning and follow-up promises are never recorded.
Daily bucket-wise allocation to officers Promise-to-pay logging with follow-up reminders Field visit routing and geo-tagged proof of visit Legal / SARFAESI notice stage trackingSee it running Collateral risk mitigation Losses in secured lending rarely start at default — they start when a policy lapses or a valuation goes stale.
LTV breach alerts against policy caps Insurance expiry and valuation refresh watchlists Lien / charge registration status per asset Document custody register and exception audit reportsSee it running