How It Works

From Lead to Disbursal in 6 Simple Steps

See how SigmaDSA streamlines your entire workflow — from capturing leads to tracking commissions. No complicated setup. No steep learning curve. Just smart automation that works.

01

Capture Leads

Add leads manually, bulk import via Excel, or receive from website forms. Organize by loan category.

  • Single lead creation with dynamic forms
  • Bulk import via Excel
  • Organize by loan category (Business, Personal, Home, LAP, Car)
  • Source tracking (Website, Referral, Walk-in, etc.)
02

Documentation

Collect and verify documents. AI auto-detects document types, extracts data, and tracks missing items.

  • Auto-detect: PAN, Aadhaar, Bank Statements, ITR, GST
  • Extract key data instantly
  • Missing document checklist
  • Document categorization and storage
03

Credit Evaluation

Auto-calculates DSCR, FOIR, LTV when documents are uploaded. Analyze bank statements, CIBIL, GST returns.

  • DSCR auto-calculates from ITR/Balance Sheet
  • FOIR auto-calculates from salary slips
  • LTV auto-calculates from valuation reports
  • Bank statement analysis (12 months in minutes)
  • Salary multiplier auto-calculation
04

Login Pending

Initiate bank login, prepare documents, manage queries before submission.

  • Track login initiation per bank
  • Query management (Documents, Income, Address)
  • Surrogate income analysis
  • Document preparation checklist
05

Logged In

Submit credentials and track bank submissions. Monitor queries from underwriters.

  • Multiple bank submissions per file
  • Track submitted applications
  • Query response management
  • Document verification tracking
06

Under Process

Monitor application review status. Get alerts for underwriter queries and actions needed.

  • Track under-review applications
  • Query response deadlines
  • Status update notifications
  • Bank communication tracking
07

Credit Approved

Sanction received! Track approval amount, rates, and move toward sanction letter.

  • Approval amount tracking
  • Interest rate and tenure details
  • Approval conditions checklist
  • Prepare for sanction letter
08

Sanctioned

Sanction letter received. Track expiry date, conditions, and prepare for disbursal.

  • Sanction letter upload
  • Expiry date tracking
  • Pending conditions monitoring
  • Commission calculation triggered
  • Ready for disbursal
09

Disbursed

Loan disbursed! Track commission, update settlement status, and close the file.

  • Disbursal amount and date tracking
  • Disbursal mode (RTGS, NEFT, IMPS, etc.)
  • Commission calculated and tracked
  • Settlement status
  • File completed
Ready to Transform Your Workflow?

See SigmaDSA in Action

Contact us today to discuss custom pricing and see how SigmaDSA can streamline your loan workflow.

Contact UsExplore Features