My Tasks

Today's action queue
Action Queue click any card to jump to its list
Hard NPA
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DUE/DISBURSED · recent years · overdue EMI > 3
Pre-NPA Risk
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30–90 d since last paid
Pre-NPA Watch
—
overdue EMI > 1 and < 3
Closing Soon
—
1–2 EMIs left · easy wins
Recovery & Legal click to jump to the action list
Legal Notice Due
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90–180 d · send Sec 13(2) demand
Repossession Eligible
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180–365 d · seize per SARFAESI
Seized · Auction Pending
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dispose & refund surplus
🔥 Critical ·
Hard NPA
Status DUE/DISBURSED · disbursed in recent years · overdue EMI > 3
Pre-NPA Risk
30–90 days since last paid · call this week to prevent NPA roll
Pre-NPA Watch
Overdue EMI > 1 and < 3 · early pre-NPA band
⏰ Time-Sensitive narrow windows where intervention works best
Newly Stale
60–75 days since last paid · pattern just broke, highest recovery probability — first-call window
Partial-Pay
Paid this month but still 1+ EMI behind · customer is engaging, nudge for the remainder
⚖ Recovery & Legal Actions progressive recovery ladder under SARFAESI / RBI Fair Practices
Indicative thresholds. Stage cutoffs reflect common NBFC practice for two-wheeler loans. Actual action triggers depend on your loan agreement, board policy, and SARFAESI registration — treat this as a working list, not legal advice.
Repossession Eligible
180–365 days · SARFAESI Section 13(4) — vehicle hypothecation enforceable, repossession via authorised agent (RBI Code: no force, daytime hours, written intimation)
Seized · Auction Pending
Vehicle in possession · auction within 30 days of public notice · surplus refund to borrower per SARFAESI
Write-Off Candidates
365+ days · provision per RBI doubtful/loss-asset norms; right to recover legally retained
💰 Easy Wins
Closing Soon
1–2 EMIs left · finish to remove NPA risk and free up the line

Collection Overview

Day-to-day collection priorities
🔌
Pending integration · live collection system. The KPI cards and tables below read from the synced master workbook for the complete data in our books. Once the collection system is wired in, these numbers will reflect real-time and reports / analysis can be expanded to the month on month and other details.
phase 2
⚠
Pre-NPA Risk Alert
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Collection Rate · lifetime
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EMIs collected ÷ expected so far
Behind Schedule
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With at least one missed EMI
Pending Collection
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Total ₹ to collect
Stale Accounts
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No payment for 60+ days
DPD Distribution days past due since last payment
Critical Indicators
Concentration · Pareto
⚠ Pre-NPA Early Warning accounts close to becoming NPA
Today's Action Queue Top 20 by urgency · severity-scored mix
Pre-NPA Watch List overdue EMI > 1 and < 3 · prevent the NPA roll
Top Pending Highest pending amount
Stalest Accounts No payment for 60+ days, sorted by recency

Portfolio Overview

Headline KPIs & concentration · disbursed · outstanding · NPA · pending recovery
Total Loans Disbursed
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All-time cumulative portfolio
Total Loan Portfolio
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Gross sanctioned amount
Outstanding Principal
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Live book value
Active Loans
—
—
NPA Accounts
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—
Pending Recovery
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Amount to regularise
Region-Wise Analysis
📍 Territory-Wise Detailed Performance Includes seized account impact
Region-Wise Performance Table
Outstanding Principal by Region — ₹ Cr
Pending Recovery by Region — ₹ Lakh
NPA Rate by Region (%)
Executive Performance
Loans Managed — Top 15 Executives
NPA Rate by Executive (%)
Portfolio Value by Executive — ₹ Cr
Executive Performance Scorecard
Dealership Analysis
Top Dealers by Portfolio — ₹ Cr
Dealer NPA Rate (%)
Dealer-Wise Performance Top 50 by loan disbursed

NPA & Risk Analysis

Risk concentration by region · executive · dealer · provisioning estimate
⚠ Critical Risk Alerts
    ✓ Performing Well
      Top 10 Regions by NPA Rate (%)
      Top 10 Executives by NPA Rate (%)
      NPA Count by Region
      NPA Summary by Region
      Provisioning Estimate · RBI-aligned bands Standard 0.40% → Loss 100% · planning estimate, not regulatory filing

      Seized Assets

      Repossessed vehicles pending disposal · scoped by the date-range chip (disbursed date)
      Where the exposure sits
      Vintage & aging
      Seized accounts

      Settings

      Configuration · access · data mapping · methodology
      Users · admin

      Add new sign-ins, reset a user's password, or remove an account. New users land on the login screen with a temporary password and are prompted to change it on first sign-in.

      Master Workbook · Column Mapping

      The SharePoint master is read by header name, not position — adding, deleting, reordering or renaming columns no longer breaks the dashboard. Every column is ingested per loan; ones not linked to a typed field are stored in extra_data with their data type auto-detected. Edit the mappings below as needed and click Save All Changes once.

      In Use · consumed by the dashboard drop a row from below to promote it · mapping mandatory
      Not In Use · captured, type-inferred, stored in extra_data drag a row up · or click Promote ↑
      Calculation Thresholds & Assumptions

      All numeric thresholds, time windows, and assumptions used across the analytics layer. Edit backend/src/thresholds.js and restart the server to change values. Future versions will allow editing here directly with persistence to the DB.

      Credit Quality

      Disbursement vintage · NACH vs Cash · Vehicle make signal · Net Interest Margin
      NACH vs Cash · NPA Rate & Collection
      Vintage · NPA Rate by Disbursement Year
      Vintage Cohort Detail
      Vehicle Make · Default signal ≥ 30 loans for stable signal
      Customer Detail
      NPA Accounts Criteria: Missed EMIs > 3
      📍 NPA Account Detail Sorted by missed EMIs
      User Manual

      Stakeholder View

      Narrative deck for fundraise / board / lender / regulator · open top to bottom

      Sales Overview

      Disbursement-side analytics · All time

      API & Integrations

      Read-only HTTP API for other systems · auth, endpoints, examples, key management, audit log