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Choose a module

• Module 1 · Tenant Workspace

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  Sign in, find your way around, and set up the bank: branches, staff, roles, land unit, document requirements, lender policy, branding and email logs.

  Open Module 1

• Module 2 · Farmer Onboarding & Profile

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  Create a farmer and complete the full profile: personal and KYC details, family, land parcels, crops, financial profile and credit history.

  Open Module 2

• Module 3 · Loan Assessment & Sanction

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  Every assessment step, consent, submission, scoring readiness, the Yogyank score, recommendation, sanction and CBS account linking.

  Open Module 3

The lending workflow

Every loan in SaakhSetu follows the same path, and this guide follows it too.

1 · Set up the bank Branch hierarchy, staff, roles and the bank's own rules.

2 · Onboard the farmer Identity, land, crops, finances and credit history.

3 · Assess the loan Journey steps, documents, consent and submission.

4 · Score & recommend Readiness, Yogyank score, policy evaluation and recommendation.

5 · Sanction & link The bank's decision and the CBS loan account link.

flowchart LR
    A[Bank Admin<br/>sets up the bank] --> B[Credit Assistant<br/>onboards farmer]
    B --> C[Credit Assistant<br/>submits assessment]
    C --> D[Credit Officer<br/>scores and recommends]
    D -->|Return for correction| C
    D --> E[Sanctioning Authority<br/>sanctions or declines]
    E --> F[Credit Operations<br/>links CBS account]

Who does what

SaakhSetu separates duties so that no single person can both prepare and approve the same loan. Your bank may rename these roles or create its own, but the responsibilities stay the same.

Role	Main responsibility	Guide
Bank Admin	Sets up and governs the bank's workspace. Holds every permission	Module 1
Organization Admin	Manages branches, staff and assessment assignment, without changing bank-wide rules	Module 1
Credit Assistant	Onboards farmers, prepares loan assessments, captures consent and submits	Modules 2 and 3
Credit Officer	Reviews submitted assessments, generates the Yogyank score, evaluates policy and records a recommendation	Module 3
Sanctioning Authority	Records the bank's own sanction or decline decision	Module 3
Credit Operations	Links each sanctioned facility to its loan account in the Core Banking System (CBS)	Module 3
Analyst / Read-only User	Views information without changing it	All modules

A recommendation is never a sanction

A Credit Officer's recommendation and the bank's sanction are separate actions, held by different people. SaakhSetu blocks the person who recommended a loan from also sanctioning it.

How each page is organised

At a glanceWho uses the screen, where to find it, and the permission that shows it

Step by stepNumbered steps for each task

Field referenceEvery field: its meaning, whether it is required, and its rules

Good to knowRules, on-screen messages and practical tips

You see	It means
Bold text	A button, menu item, field or screen title, exactly as it appears in SaakhSetu
Active Pending Suspended	A status shown on screen, in its on-screen colour
permission.key	The permission that controls a screen or action, managed in Role & Permissions
Required	The form cannot be saved without this field

Sample data

All names, codes, numbers and email addresses in this guide are fictional. Never use a real farmer's or customer's details when practising or reporting an issue.