Management Dashboard

Total Loans

1,284

↑ Active 1,012 · Closed 272

Total Disbursement

₹42.6 Cr

↑ 8.2% vs last qtr

Outstanding

₹28.1 Cr

— principal portfolio

Collection Efficiency

94.2%

↑ 1.4% MoM

Investor Payable

₹3.9 Cr

— 64 investors

Spread Income

₹1.7 Cr

↑ Sivels net margin

NPA / DPD

3.1%

↑ 38 loans 90+ DPD

Avg Ticket Size

₹3.3 L

— across 6 products

Portfolio Trend

Disbursement vs Collection

6M1YAll

DisbursedCollected

Product Split

By outstanding

₹28.1Crportfolio

Housing28%

LAP20%

Personal16%

Micro16%

Group20%

Loan Workflow

End-to-end pipeline · Section 8

01Loan Master

→

02Sanction + KFS

→

03Disbursement

→

04Repay Schedule

→

05Collection

→

06Outstanding

→

07Closure + NOC

Editable input Auto-calculated (locked) Compliance flag

New Loan — Loan Master Entry

Capture borrower, product & terms

Draft · SF00483

Borrower & KYC Section 9.2

Borrower Name

Enter full name

Mobile

+91 00000 00000

PAN

Fetch via DigiLockerDigiLocker→ Connect

Aadhaar

Fetch via DigiLockerDigiLocker→ Connect

Customer ID

SF-CUST-00483

Region / Branch

Select branch

KYC Documents

Auto-populated via DigiLocker on verification

Credit Score CIBIL · TransUnion · Bureau Pull

742

CIBIL

Good Credit Standing Eligible

Pulled: 18 Jun 2026, 09:15 · TransUnion CIBIL · Report ID: TCR-20260618-4831

300 · Poor550 · Fair650 · Good750 · Excellent · 900

Active Accounts: 3 Enquiries (6M): 1 Overdue Accounts: 0 Credit Age: 4.2 yr

Re-pull CIBIL

Loan Product & Terms Section 3 · 6 products

Loan Product

Housing Loan

Loan Amount

₹ 0.00

Tenure (months)

0

ROI % (borrower)

0.00 %

Investor ROI %

0.00 %

Spread %

= ROI − Investor ROI

EMI Preview Section 4 · reducing balance

Monthly EMI

₹ —

Total Interest

₹ —

Total Payable

₹ —

Save DraftSubmit for Approval →

Pending Approval

7

Approved Today

12

Returned / Query

3

Avg TAT

1.4 d

Approval Queue

Loan Approval Workflow · Section 9.1

Application	Product	Amount	Stage	Action
RPR. Prakash	Housing	₹6,50,000	Credit Review
SMS. Meena	Micro	₹85,000	Maker
AKA. Khan	LAP	₹14,00,000	Checker
JDJ. Daniel	Personal	₹2,20,000	Maker

R. Prakash — SF00484

Maker → Checker → Sanction

Credit Review

Application Submitted

18 Jun, 09:12 · by field officer

KYC Verified

18 Jun, 10:40 · PAN + Aadhaar matched

Credit Review

In progress · CIBIL 742 · eligibility OK

Checker Approval

Pending

Sanction & KFS

Auto-generates on approval

Raise QueryApprove & Move to Checker

Disbursed Today

₹18.4 L

Disbursed (MTD)

₹2.9 Cr

Pending Disbursal

5

Disbursement Register

Core Module · records each loan release

New Disbursement

Txn ID	Loan	Borrower	Product	Amount	Mode	Date	Status
DB-1042	SF00482	K. Raman	Housing	₹3,00,000	NEFT	05 Jan 26	Released
DB-1041	SF00481	V. Lakshmi	LAP	₹12,00,000	RTGS	04 Jan 26	Released
DB-1040	SF00480	M. Iqbal	Micro	₹75,000	IMPS	03 Jan 26	Released
DB-1039	SF00484	R. Prakash	Housing	₹6,50,000	NEFT	—	Awaiting Sanction
DB-1038	SF00479	A. Fatima	Personal	₹2,00,000	NEFT	02 Jan 26	Released

Editable (charges) Calculated · locked

Paid to Date

₹36,840

Overdue + Penal (2%/mo)

₹19,420

Current Outstanding

₹2,43,268

Auto Repayment Schedule — SF00482

EMI Split Engine · reducing balance · 24 mo

Export

#	Due Date	EMI	Principal	Investor Int.	Spread Inc.	Charges	Outstanding	Status
1	05 Jan 26	18,420	13,920	3,600	900	0	2,86,080	Paid
2	05 Feb 26	18,420	14,094	3,438	888	0	2,71,986	Paid
3	05 Mar 26	18,420	14,270	3,274	876	500	2,57,716	Due
4	05 Apr 26	18,420	14,448	3,108	864	—	2,43,268	Overdue
5	05 May 26	18,420	14,628	2,940	852	—	2,28,640	Upcoming
6	05 Jun 26	18,420	14,810	2,770	840	—	2,13,830	Upcoming

Collected Today

₹71,260

Collection Efficiency

94.2%

Bounces (MTD)

11

Record Collection

Posts receipt · updates outstanding

Loan / Borrower

SF00482 · K. Raman

EMI Due

₹ 18,420

Amount Received

₹ 0.00

Payment Mode

UPI / Cash / NEFT

Receipt Date

18 / 06 / 2026

Bounce Charge

₹ 500 if dishonoured

Post & Generate Receipt

Collection Register

Recent entries

Filter

Receipt	Borrower	Amount	Mode	Status
RC-2291	K. Raman	₹18,420	UPI	Cleared
RC-2290	S. Devi	₹9,800	Cash	Cleared
RC-2289	M. Iqbal	₹18,420	NEFT	Bounced
RC-2288	A. Fatima	₹12,100	UPI	Cleared
RC-2287	R. Kumar	₹18,420	NEFT	Partial

Foreclosure Calculator

Section 9.4 · early settlement

Loan

SF00477 · V. Lakshmi

Outstanding Principal

₹ 2,18,640

Accrued Interest

₹ 1,940

Foreclosure Charge %

2.00 %

Total Payable

₹ 2,24,953

Initiate Closure

Closure & NOC Queue

Loan Closure Management · Section 9.1

Loan	Borrower	Type	NOC	Status
SF00390	G. Anand	Tenure End	Issued	Closed
SF00412	B. Suresh	Foreclosure	Pending	Processing
SF00428	L. Mary	Tenure End	Issued	Closed
SF00477	V. Lakshmi	Foreclosure	Queued	Initiated

0–30 DPD

62

31–60 DPD

29

61–90 DPD

17

90+ DPD · NPA

38

NPA / DPD Worklist

DPD Tracking & NPA Classification · Section 9.3

AllNPA only

Loan	Borrower	Product	Overdue	DPD	Classification	Action
SF00482	K. Raman	Housing	₹37,340	96	NPA · Sub-standard	Follow up
SF00455	N. Pillai	Micro	₹9,100	71	61–90 DPD	Follow up
SF00461	S. Holdings	LAP	₹52,000	112	NPA · Doubtful	Follow up
SF00470	P. Ravi	Personal	₹6,200	22	0–30 DPD	Follow up

Total Investor Payable

₹3.9 Cr

Spread Income (Sivels)

₹1.7 Cr

Avg Investor ROI

11.4%

Investor Yield Split

Loan-wise investor interest vs Sivels spread · Section 9.6

Settlement Report

Investor	Loan	Invested	Inv. ROI	Interest Payable	Spread → Sivels	Next Payout
Anand Capital	SF00482	₹3,00,000	11.0%	₹2,750	₹1,450	05 Apr 26
V. Lakshmi	SF00477	₹5,00,000	12.0%	₹5,000	₹2,000	05 Apr 26
Surya Holdings	SF00461	₹8,00,000	10.5%	₹7,000	₹3,800	10 Apr 26
N. Pillai	SF00455	₹2,50,000	12.5%	₹2,604	₹1,100	10 Apr 26
Meridian LLP	SF00448	₹10,00,000	10.0%	₹8,333	₹4,900	15 Apr 26

Borrowers

Customer Management · Section 9.2

Add

Borrower	Customer ID	Active Loans	KYC
KRK. Raman	SF-CUST-00482	1	Verified
VLV. Lakshmi	SF-CUST-00477	2	Verified
MIM. Iqbal	SF-CUST-00480	1	Pending
AFA. Fatima	SF-CUST-00479	1	Verified

Borrower Profile

KYC & document repository

KYC Verified

KR

K. Raman

SF-CUST-00482 · +91 98xxx xxx21 · Chennai

PAN: ABXPxxxx2KAadhaar: xxxx 1234

Document Repository Section 9.2

PAN Card✓

Aadhaar✓

Income Proof✓

Property Papers✓

Bank Statement✓

Loans

SF00482

Housing · ₹3.0 L

Overdue

Sanction LetterKey Fact Statement (KFS)NOC

S

Sivels FinanceSanction Letter · auto-generated

✓ Auto-filled from Loan Master SF00483 · CIN U65921TN2012PTC084410

Preview PDFGenerate & Attach to Loan

Audit Trail

Immutable activity log · Section 9.3 & 9.8

⌕ Filter by user / module

Timestamp	User	Module	Action	Reference
18 Jun 14:22	RMR. Menon	Approvals	Approved application	SF00484
18 Jun 13:05	PKP. Kumar	Collection	Posted receipt RC-2291	SF00482
18 Jun 11:48	RMR. Menon	Loan Master	Edited ROI 16.5%→16.8%	SF00481
18 Jun 10:40	SNS. Nair	Customers	KYC verified	SF-CUST-00484
18 Jun 09:12	SNS. Nair	Disbursement	Released ₹3,00,000	DB-1042

Users

User Management · Section 9.8

Invite

User	Role	Status
RMRavi Menon	Admin	Active
PKPriya K.	Operations	Active
SNSuresh Nair	Field Officer	Active
AVAsha V.	Auditor	Invited

Role-Based Access

RBAC permissions · Operations role

Create / edit loans
Approve applications
Post collections
Disburse funds
Edit ROI / spread
View investor data
Manage users & backup

Data Protection & Backup Section 9.8

Encryption at rest	On
Auto daily backup
Last backup	18 Jun, 02:00