Complete Platform

Everything You Need to Run a Modern DSA Business

From lead capture to disbursal tracking, SigmaDSA provides every tool you need to manage loans efficiently and close more deals.

Lead Management
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Document Vault
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Credit Analysis
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Bank Connect
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Supports All Loan Types

One platform for every loan product you offer

Business Loans

Personal Loans

Home Loans

Mortgage Loans (LAP)

Car Loans

Core Modules

Complete Loan Lifecycle Management

Every feature you need from first contact to final disbursal

Smart Dashboard

Your command center with real-time pipeline view, commissions, tasks, and KPIs at a glance

  • Real-time KPI cards for Leads, Files, Sanctions, Disbursals
  • Live activity feed and agent performance metrics
  • Monthly sanctions and disbursals trends
  • Files in process tracking by stage
  • Loan category filtering (Business, Personal, Home, LAP, Car)
  • Today's callbacks and pending tasks

Lead Management

Capture, score, assign, and track leads across all loan categories in one place

  • Single lead creation with dynamic forms per loan type
  • Bulk import via Excel with auto-validation
  • Category views: All Leads, Business, Personal, Home, Mortgage, Car
  • Lead source tracking (Website, Referral, Walk-in, Social Media, etc.)
  • Status workflow: New → Assigned → Contacted → Interested → Qualified
  • Quick actions: Call, WhatsApp, Schedule Callback, Create File

File Pipeline Management

9-stage workflow from Documentation to Disbursal with complete tracking

  • Stage-specific statuses for each workflow stage
  • Documentation: Document collection, verification, missing item checklist
  • Credit Evaluation: DSCR, FOIR, LTV calculations, credit analysis
  • Login Pending & Logged In: Track bank submissions and queries
  • Under Process: Monitor application review status
  • Credit Approved, Sanctioned, Disbursal Pending, Disbursed

Callback Management

Never miss a follow-up with intelligent scheduling and automated reminders

  • Schedule callbacks with date, time, and priority levels
  • Link callbacks to leads or files for context
  • Today's callbacks view with upcoming schedule
  • Status tracking: Pending, Completed, Missed
  • Automated reminders for upcoming callbacks
  • Overdue alerts for missed follow-ups

Lender Marketplace

50+ banks, NBFCs, and HFCs in one platform with products and rates

  • Manage multiple lender types: Banks, NBFCs, HFCs, Fintechs
  • Partnership models: Direct, Channel, Referral
  • Product catalog per lender with eligibility criteria
  • Rate management: Fixed, Floating, Hybrid
  • Track lender performance and TAT
  • Active/Inactive lender status management

Bank Login Manager

Track logins, queries, and sanctions in one place

  • Login stage tracking: Document Submission → Decision
  • Query management (Documents, Income, Address, Business verification)
  • Surrogate income analysis (Banking, GST, Income)
  • Document verification and submission tracking
  • Multiple bank submissions per file
  • Login history and decision tracking

Document Vault

All documents organized, searchable, and categorized by type

  • Configurable document types: PAN, Aadhaar, Bank Statements, ITR, GST
  • Auto document detection with AI-powered type identification
  • Field extraction with confidence scoring
  • Document categorization by type and date range
  • Missing document checklist with status tracking
  • Upload and organize documents per file

Credit Evaluation

Auto-calculate DSCR, FOIR, LTV with credit analysis

  • DSCR for business loan assessment
  • FOIR for personal loan eligibility
  • LTV for secured loan limits
  • Salary multiplier calculations
  • CIBIL score analysis with insights
  • Eligibility assessment per bank criteria

Sanction Management

Track approved loans with expiry dates and conditions

  • Sanction tracking with expiry date monitoring
  • Sanction amount vs applied amount comparison
  • Interest rate and tenure details
  • Pending conditions checklist
  • Sanction letter upload and storage
  • Move to disbursal workflow

Disbursal Management

Track disbursements with commission settlement

  • Disbursal modes: RTGS, NEFT, IMPS, Cheque, DD, Cash
  • Tranche management (Full/Partial disbursements)
  • Disbursal proof document upload
  • Commission calculation per disbursal
  • Bank-wise disbursal tracking
  • Commission settlement status

Commission Tracker

Auto-calculate, track, and settle commissions from all lenders

  • Auto-calculate commissions based on slabs
  • Commission slabs per lender and product
  • Track pending and settled commissions
  • Commission settlement history
  • Lender-wise commission reports
  • Payout reconciliation

Reports & Analytics

Real-time dashboards with KPIs, conversion tracking, and performance reports

  • Pipeline reports: Stage-wise conversion tracking
  • Lead reports: Source, status, conversion metrics
  • Performance reports: Team productivity analysis
  • Disbursal reports: Transaction tracking
  • Export to Excel, PDF, CSV
  • Custom date ranges and filters
More Features

Built for Scale and Efficiency

Document Intelligence

  • Auto-detect document types: PAN, Aadhaar, Bank Statements, ITR, GST Returns
  • Extract income, transactions, and key details instantly
  • Auto-populate loan file data from extracted fields
  • Missing document checklist with status
  • Support for digital and scanned PDFs

Bank Statement Analysis & Credit Tools

  • 12 months bank statement analysis in minutes
  • Balance Transfer Optimization (BTO) analysis
  • GST return parsing for business income
  • ITR breakdown and validation
  • Auto-calculates DSCR when ITR uploaded
  • Auto-calculates FOIR when salary slip uploaded
  • Auto-calculates LTV when valuation uploaded
  • Salary multiplier auto-calculation

AI Agent - Virtual Employee

  • Intelligent assistant that works as your virtual employee
  • Answers questions about your business and loan files
  • Assists with data entry via chat interface
  • Available on WhatsApp, Telegram, and Web
  • Available 24/7, no breaks or downtime needed
  • Multi-language support for Indian languages

WhatsApp Integration

  • WhatsApp Cloud API for two-way messaging
  • AI chatbot handles customer enquiries 24/7
  • Voice message transcriptions to text
  • Loan status and document requests via WhatsApp
  • Automated follow-ups and reminders
  • Session management and conversation history

Voice-to-Text Transcription

  • Supports Hindi, Tamil, Telugu, Kannada, and more
  • WhatsApp/Telegram voice notes converted to text
  • Uses Sarvam AI for Indian language recognition
  • Auto-detects language with high accuracy
  • Stores text transcripts for easy reference
  • Processes audio files in multiple formats

Task Automation

  • Daily task generation at 9 AM IST
  • Stage-based task triggers for file workflow
  • Callback reminders before due dates
  • Auto-assign tasks to team members
  • Avoids duplicate task creation
  • Tracks task completion and status
Seamless Workflow

From Inquiry to Disbursal

Follow every loan application through a streamlined, automated workflow

1

Capture Lead

Manual entry or bulk upload

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2

Schedule Callbacks

Follow up and qualify

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3

Create File

Upload documents

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4

Credit Check

CIBIL, BSA, GST analysis

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5

Bank Login

Submit to lender

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6

Sanction

Track approval

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7

Disbursal

Funds released

Enterprise-Grade Security

Your data is protected with industry-standard security

Bank-Level Encryption

256-bit SSL/TLS encryption for all data

Secure Cloud Storage

Documents stored on encrypted cloud servers

Role-Based Access

Granular permissions for every user

Complete Audit Trail

Track every action for compliance

Daily Backups

Automated backups for data recovery

GDPR Compliant

Data privacy and protection standards

Ready to Get Started?

Transform Your DSA Business

Contact us today to discuss custom pricing for your business and see how SigmaDSA can help you close more loans.

Contact Us

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