Loan, DSA and NBFC
Loan and DSA CRM for direct selling agents and NBFC sales teams
Keep every applicant, document and bank login in one tracker, and see payouts reconcile against disbursements. Callers work leads without ever seeing full contact data.
Your pipeline, ready on day one
These stages come with the template. Rename, add or remove any of them.
- Stage 1LeadAn enquiry for a home, personal, business or vehicle loan arrives and is assigned to a caller.
- Stage 2EligibilityIncome, employment, obligations and CIBIL band are checked to shortlist suitable lenders.
- Stage 3Docs collectedKYC, income and property papers are gathered against the product checklist.
- Stage 4Login to bankThe file is logged with one or more banks and each login is tracked separately.
- Stage 5SanctionedA lender issues the sanction and the terms are recorded on the case.
- Stage 6DisbursedThe loan amount is released and the disbursement date and amount are logged.
- Stage 7Payout receivedThe lender pays your commission and it is matched to the case and any sub-DSA share.
What is a loan, dsa and nbfc CRM?
A loan CRM for DSAs and NBFC sales teams tracks each applicant from first enquiry through eligibility, documents, bank login, sanction and disbursement. Gandiv keeps loan type, amount, tenure, income, employment and existing EMI on the profile, shows the document checklist for that product, and lets you send the same case to several banks and watch each one separately. Callers can work leads on masked numbers, managers see turnaround time at each lender, and the accounts team reconciles commission received against disbursements, including shares owed to sub-DSAs.
Why loan, dsa and nbfc teams need one
Problem
The same file is with four banks and nobody knows where it is.
With Gandiv
Each bank login is a separate line on the case with its own status, date and remark.
Problem
Documents come in piecemeal over WhatsApp.
With Gandiv
A checklist per loan product shows what is pending, and customers get a nudge until it is complete.
Problem
Callers leave and take your customer list with them.
With Gandiv
Callers see masked numbers and dial through the system, so contact data stays with the company.
Problem
Banks delay and you find out from an angry customer.
With Gandiv
TAT alerts flag files sitting too long at login or sanction so you chase first.
Problem
Payouts arrive in lumps and you cannot tell which case they belong to.
With Gandiv
The payout ledger matches each lender credit to the cases and shows what is still due.
Problem
Sub-DSAs and partners argue over commission shares.
With Gandiv
Each case carries the partner and agreed share, and the split is calculated from the payout received.
Key features
Multi-bank
Track one case across many lenders
Send a customer file to several banks and NBFCs and keep each login as its own line with status, query raised and expected sanction date. You always know which lender is slow and which has asked for more papers.
- One line per bank login
- Query and sanction notes per lender
- Best offer comparison on the case
Multi-bank
- One line per bank login
- Query and sanction notes per lender
- Best offer comparison on the case
Documents
Checklists per loan product
Home loan, loan against property, personal loan and business loan each need different papers. Define the checklist once, tick items as they arrive and send the customer a precise list of what is still missing.
- Checklist per product and employment type
- Pending items on the case header
- Auto-reminder until complete
Documents
- Checklist per product and employment type
- Pending items on the case header
- Auto-reminder until complete
Calculators
EMI and eligibility calculators for callers
Callers can work out EMI for an amount, rate and tenure, and estimate eligibility from income and existing obligations while still on the call. The result is saved to the lead and can be shared as a message.
- EMI by amount, rate and tenure
- FOIR style eligibility estimate
- Result saved and sent on WhatsApp
Calculators
- EMI by amount, rate and tenure
- FOIR style eligibility estimate
- Result saved and sent on WhatsApp
Payout ledger
Payout reconciliation by case
Record disbursements and the commission rate agreed with each lender, then match payouts received against them. The ledger shows expected, received and pending commission by bank, month and case, so no payout goes unclaimed.
- Expected vs received commission
- Lender-wise and month-wise view
- Unmatched credits flagged
Payout ledger
- Expected vs received commission
- Lender-wise and month-wise view
- Unmatched credits flagged
Partners
Sub-DSA commission and partner portal
Partners and sub-DSAs submit leads and see their own cases only. Their share is calculated from the payout actually received, which keeps statements fair and saves your accounts team a monthly spreadsheet exercise.
- Partner login with own cases only
- Commission share per case
- Statement ready at month end
Partners
- Partner login with own cases only
- Commission share per case
- Statement ready at month end
Data control
Masked numbers and TAT alerts
Telecallers dial without seeing the full phone number, and exports are limited by role. Alerts warn when a case has waited too long at any stage, and managers see an ageing view of every open file.
- Number masking by role
- Export permissions per user
- Ageing view of open files
Data control
- Number masking by role
- Export permissions per user
- Ageing view of open files
What is inside the template
Everything below is created in your workspace when you pick this template.
| Fields | Loan type · Loan amount (lakh) · Tenure · Monthly income · Employment type · PAN · CIBIL band · Existing EMI · Preferred bank |
|---|---|
| Automations | Document pending nudge - every 2 days · Bank query unanswered alert after 48 hours · Sanction expiry reminder T-7 · Disbursement thank-you and review request · Payout pending alert at 30 days |
| Reports | Cases by stage and lender · Sanction to disbursal turnaround · Disbursement by caller and product · Payout expected vs received · Sub-DSA commission statement |
| Message templates | Document checklist by loan type · Login confirmation to customer · Sanction congratulation · Query pending reminder · Disbursement confirmation |
| Call script | Confirm the loan type and amount, then ask employment, monthly income, existing EMIs and the city. Explain the documents required, ask for consent to check bureau status, and set a time for the customer to share the papers. |
Fields
Loan type · Loan amount (lakh) · Tenure · Monthly income · Employment type · PAN · CIBIL band · Existing EMI · Preferred bank
Automations
Document pending nudge - every 2 days · Bank query unanswered alert after 48 hours · Sanction expiry reminder T-7 · Disbursement thank-you and review request · Payout pending alert at 30 days
Reports
Cases by stage and lender · Sanction to disbursal turnaround · Disbursement by caller and product · Payout expected vs received · Sub-DSA commission statement
Message templates
Document checklist by loan type · Login confirmation to customer · Sanction congratulation · Query pending reminder · Disbursement confirmation
Call script
Confirm the loan type and amount, then ask employment, monthly income, existing EMIs and the city. Explain the documents required, ask for consent to check bureau status, and set a time for the customer to share the papers.
By role
DSA owner or branch head
- Open files by lender and stage
- Disbursement and payout reconciliation
- Partner and sub-DSA statements
Telecaller or sales executive
- Leads on masked numbers
- Calculators and checklist on the call
- Follow-up reminders on pending papers
Operations and back office
- Bank login tracking
- Query handling per lender
- Disbursement and payout entry
Integrations for this industry
Related industries
Frequently asked questions
Can I track one customer across several banks?
Yes. A case can have multiple lender lines, each with its own login date, status, query and sanction details, so you compare offers and chase the right bank.
Does Gandiv give loan approvals or eligibility decisions?
No. The calculators give an estimate for conversation only. Credit decisions are made by the lender, and you should not present the estimate as an approval.
How do masked numbers work?
Callers see a partly hidden phone number and call through the dialer. Only roles you allow can view or export the full number, and call activity is logged.
Can I reconcile payouts from different banks?
Yes. Enter the commission rate per lender and product, record the payout credits received, and match them to cases. The ledger shows what is received, short-paid or still pending.
Does it handle customer consent for bureau checks?
You can record consent as a field and attach it to the case. The product does not pull bureau reports itself, so follow your lender and RBI guidelines for obtaining and storing consent.
Start with the loan, dsa and nbfc template
Your pipeline, fields and messages are created for you. Change anything later.