Perfect loan security before funds are released

Connect the sanction terms to the executed loan and security documents, stamping, the mortgage or hypothecation created, the ROC charge certificate and the CERSAI registration. Credit Administration can release funds only against enforceable security and avoid gaps that surface only at recovery.

Starts when

Borrower accepts the sanction
Sanction of an enhancement, top-up or modification that changes the security
Substitution or release of security

People in the process

CCredit AdministrationProcess Owner
LLegalParticipating Team
BBranch OperationsParticipating Team

The process is a starting point. The standards are yours.

Configure for the bank or lender’s category, permissions and applicable RBI directions. Outsourcing, customer conduct, recovery and reporting controls use the institution’s approved interpretation and delegated authority.

Keep the work connected.

Legal Recoveries

Choose SARFAESI, DRT or IBC from one enforcement file

When a loan defaults, bring the loan history, executed documents, security, certified statement of account, valuations and disputes into one account file. Legal Recoveries can confirm enforceability and limitation, and the recovery committee can choose the route before any notice issues.

CCRR

Legal Disputes

Defend borrower lawsuits from one approved fact record

When a borrower sues or escalates, reconcile signed terms, account statements, complaint history, notices and staff accounts into one approved fact record. Legal Disputes can track every filing deadline and counsel can plead consistent positions across consumer, civil and DRT forums.

OCE

Recoveries

Release security only after the settlement is fully paid

Track each one-time settlement instalment against the sanctioned amount, schedule and conditions before closing the loan account. Recoveries can withdraw pending cases, release security, return original documents and issue the no-dues certificate only once every term is met.

FLC

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Order for the work. Room for the people.