Published on : June 02, 2020

Set of disbursal attributes used during runtime for disbursal
Adjust the processing fees during disbursal

All disbursal parameters are all used during Transactions


beneficiary

Who is the Beneficiary of the disbursal


The beneficiary can be bank or dealer set in product
bank:
if it is bank then
we use customer ecs details to disburse
dealer:
If it is a dealer we need a dealer code in the sublan and use dealer detail to disburse
Required

quantum

Is the disbursal one shot or in pieces (full or partial)
full
partial
Required
discard_loan_line If set to yes, the loan_line which is left will be discarded after the disbursal.
The quantum must be partial for this to work
Yes


bank_code


Which bank to disburse to
pending_disbursement

We can temporarily stop credit of part of the amount to be disbursed
Yes
No
Max/Min

Max amount which can be disbursed

Min amount which can be disbursed


ready_to_disburse



ready_to_disburse
Disbursal is ready the moment sanction is done


Yes

Broken Period Interest(broken_period_interest)

  • Broken Period is charged at the time of first disbursal
  • It is the interest for the days between the date of the loan and the Accrual Date

Processing Fees adjust

The Calculation of the Processing Fees is done as
max(calc.min, calc.sanction_percentage)
Processing fees is adjusted against dues, disbursal, Dealer payout, waiver

disbursal_adjust How to adjust the processing fees during disbursal


dues – Adjust against Dues
disbursal – Adjust against the disbursal
Dealer – Adjust against the Dealer who we are paying out
waiver – Waive the broken Period Interest