Credit Portfolio Manager

Field Underwriting Workspace.

Bank-grade, zero-latency interest, crop, and commercial loan eligibility calculations, preserved completely offline on client local cache.

Acquired Leads

Pending CRM pipeline entries.

Daily Collections

₹0

Cash booked during today's tour.

Farm Visits Logged

Regional inspections logged.

System Status

STABLE (LATEST)

D1/Local SQLite store synchronized.

Standard Calculator Portfolio

10 calculators active

Agriculture🌾

Crop Loan Calculator.

Calculate credit margins, land areas, and final farm crop sanction caps.

Agriculture🌾

KCC Schedule limits.

Compute standard 5-year Kisan Credit Card limits with escalation structures.

Commercial💼

MSME Business Loan.

Evaluate credit eligibility margins, FOIR boundaries, and debt burden limits.

Finance📈

EMI Amortization.

Visualize monthly debt-service outlays and generate amortization tables.

Finance📈

Interest Earnings.

Assess Simple vs Compound interest returns with custom compounding cycles.

Finance📈

Borrower Eligibility.

Determine credit limit ceilings and affordability risks using demographics.

Collateral🏡

Collateral Valuation.

Appraise land properties and determine credit limits using loan-to-value caps.

Finance📈

Offer Comparison.

Compare up to 4 competitive loan offers side-by-side to find the lowest cost.

Finance📈

Repayment Ledger.

Generate exhaustive amortized loan accounts and export tabular sheets.

Agriculture🌾

Agri Repay & Subvention.

Calculate exact crop loan payback amounts and highlight government subvention savings.

Instant field assist⚡

Quick Field Assist.

Slide & calculate instantly with zero additional clicks. Ideal for field audits.

Specialized Tools

Score & GST Estimators.

• Credit Estimator:Estimate CIBIL

• GST Tax Calculator:Calculate GST

Recent Calculation History Logs

Agriculture Loans

KCC Limit Calculator.

Calculate Kisan Credit Card (KCC) limits with a 5-year compounding escalation schedule.

Customer & Land Holdings

Farmer Name

Land Area (Acres)

Scale of Finance (Per Acre)

Annual Increase (%)

KCC Component Customization

Post Harvest (%)

Consumption (%)

Farm Maintenance (%)

Contingency (%)

Total Sanctioned Limit (Year 5)

₹0

This is the final KCC ledger card limit approved for the farmer.

5-Year Limit Schedule

Year	Crop component	Add-ons	Sanction Limit

General Finance

Amortizing EMI Calculator.

Calculate monthly equated installments and visualize the loan amortizing repayment profile.

Loan Parameters

Loan Amount (₹)

Interest Rate (% p.a.)

Tenure Unit

Tenure

Equated Monthly Installment (EMI)

₹0

Principal Amount₹5,00,000

Total Interest Payable₹0

Total Repayment Amount₹0

Interest30%

Principal

Interest

Quick Amortization Summary

General Finance

Repayment Schedule Generator.

Generate deep amortized monthly schedules and download CSV sheets for audits.

Schedule Criteria

Loan Principal (₹)

Rate (% p.a.)

Tenure (Months)

Repayment Type

Installment Size

Service obligation per payment period.

Total Interest

Accumulated interest across full life.

Effective APR

Excludes processing/origination charges.

Repayment Ledger Table

Pmt #	Opening Balance	Installment	Principal Paid	Interest Paid	Closing Balance

Field Operations

Relationship Lead Tracker.

Manage pipelines, contact details, and conversion stages for agriculture and business loans.

Acquire New Lead

Customer Name

Phone / Contact

Village / Region

Credit Product

Loan Amount (₹)

First Contact Notes

Active Lead Pipeline

Customer	Credit Product	Value	Stage Status	Actions

Field Operations

Daily Collections Register.

Track and log on-field EMI cash, UPI, and cheque loan recoveries offline.

Record Field Recovery

Borrower Name

Village

Amount Recovered (₹)

Account / Loan Number

Payment Mode

Field Receipt Number

Total Collections

₹0

Aggregated offline cash recoveries.

Digital UPI Split

₹0

Received via field UPI scans.

Cash / Cheque Split

₹0

Physical tender to deposit at branch.

On-Field Receipt Ledger

Receipt #	Borrower Name	Account	Mode	Collected Amount

Field Underwriting Workspace.

Standard Calculator Portfolio

Crop Loan Calculator.

KCC Schedule limits.

MSME Business Loan.

EMI Amortization.

Interest Earnings.

Borrower Eligibility.

Collateral Valuation.

Offer Comparison.

Repayment Ledger.

Agri Repay & Subvention.

Quick Field Assist.

Score & GST Estimators.

Recent Calculation History Logs

CIBIL Estimator

GST Tax Calculator

Crop Loan Calculator.

Farmer Details

Land & Scale of Finance

Document Checklist

KCC Limit Calculator.

Customer & Land Holdings

KCC Component Customization

5-Year Limit Schedule

Business Loan Eligibility.

Business Operations

Loan Request Parameters

Eligibility Limits

Financial Health Ratios

Amortizing EMI Calculator.

Loan Parameters

Quick Amortization Summary

Interest Earnings Calculator.

Interest Scheme

Loan Eligibility & FOIR.

Customer Demographics & Income

Proposed Loan Settings

Eligibility Summary

Debt-to-Income Exposure

Land Valuation Calculator.

Property Parameters

Valuation Computations

Agri Interest & Subvention Estimator.

Land & Credit Parameters

Repayment Cycle & Government Subventions

Farmers Net Savings

Repayment Explanation Guideline

Loan Comparison Matrix.

Offer #1

Offer #2

Offer #3

Offer #4

Comparison Verdict

Repayment Schedule Generator.

Schedule Criteria

LOAN AMORTIZATION SCHEDULE

Repayment Ledger Table

Quick Finance Tool.

Admin Controls & Rules.

Agriculture & Retail Rules

KCC Compounding Rules

Business & Commercial Underwriting Limits

Village Register

Crop Scale of Finance Register

Loan Scheme Manager.

Define New Credit Scheme

Active Scheme Portfolio

Rule Formula Builder.

Equation Specification

Variable Registry Dictionary

Farmer Visit Notes.

Log Field Visit

Archived Field Visit Register

Relationship Lead Tracker.

Acquire New Lead

Active Lead Pipeline

Daily Collections Register.

Record Field Recovery

On-Field Receipt Ledger