3.6 Eligibility & Submission

WhoCredit Assistant

WhereWizard › Eligibility calculation and Review and submit

Permissionassessment.update. assessment.assign_officer to pick an officer at submission

Eligibility

SaakhSetu calculates two mechanical eligibility figures. No machine-learning model is used for either.

Figure	How it is worked out
Basic Eligibility Amount	From the Scale of Finance (crop, district, season and year rates × cultivated area) or, for term loans, the Unit Cost (unit cost × financed units)
Assessed Eligibility	(Income × the product's income multiplier) minus existing loan obligations, capped at the Basic Eligibility Amount

In journeys that have no separate Eligibility calculation step, both figures and the line items appear on the Review and submit step, as shown in the screenshot below.

Element	Meaning
Financed units (term loans only)	Enter the number of units being financed, then select Recompute
Line items table	For each crop: Basis (Planned or Actual), crop, season, parcel, district, area, rate per hectare and subtotal, adding up to Basic eligibility
Both figures were last computed …	When they were calculated. Recompute if crop, land or income data has changed since

Alert	Meaning and action
The eligibility is out of date	The data has changed since the last calculation. Select Recalculate eligibility before submitting
Eligibility is not calculated	It could not be worked out, with the reason. Submission can go ahead, and the reason is saved with it
Some rows have no scale-of-finance rate	Those crops are left out of the subtotal

Common reasons a figure cannot be calculated: no crop records for the fiscal year, no Scale of Finance or Unit Cost rate configured for the product or district, no income multiplier configured, or no income record for the farmer.

Eligibility never blocks an application

The figures are advisory. If they cannot be calculated, the application can still be submitted, but an out-of-date figure must be recalculated first.

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Review and submit

The last step brings the application together.

In this example, the Basic eligibility is worked out from one Planned crop, Consent captured is shown in green, and the Credit Assistant Recommended Amount is below the applied amount.

Summary table

Row	Editable	Meaning
Applied amount	No	What the farmer asked for
Basic eligibility amount (SoF / Unit Cost)	No	From the eligibility step
Assessed eligibility	No	From the eligibility step
Credit Assistant Recommended Amount	Yes	The amount you recommend. Required. Cannot exceed the Applied amount
Tenor (months), Interest rate (%)	No	From the application

Alerts to clear

Alert	What to do
Consent not recorded	Select Capture consent. See 3.5
Land parcel location missing	Capture a pin point or boundary for each listed parcel in Geo Location
Capture incomplete	Finish the listed steps
The eligibility is out of date	Recalculate

The info line Once submitted, edit is only possible if an Officer returns the application. is always shown.

Buttons

Button	What it does
Save draft	Saves the Recommended Amount and returns to the summary. It does not submit
Submit for review	Opens the submission dialog. Disabled until every alert above is cleared

Submit

1. Enter the Credit Assistant Recommended Amount.
2. Select Submit for review.
3. Optionally, choose a Credit Officer from your branch, and add Notes for the Credit Officer.
4. Select Submit for review in the dialog.

The arrows point to the Submit for review window and to the button that opens it.

SaakhSetu checks, in order:

Check	If it fails
Nobody else changed the assessment meanwhile	This assessment was changed by someone else. Please reload and try again.
Recommended Amount entered, and not above Applied	Recommended Amount is required before submission.
Consent recorded	Consent must be captured before this assessment can be submitted.
Every active parcel has a location	The parcels without one are listed
Every required step completed	Not all required steps are complete.
Every required document uploaded or waived	The missing document types are listed
Eligibility still matches today's data	The basic eligibility amount has changed since it was last calculated. Recalculate eligibility, then submit again.

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After submission

The Application submitted for review screen shows:

Item	Meaning
Application ID	An 8-digit number, unique in your bank, e.g. 00000042. Kept for the life of the application, including corrections
Credit Officer	Assigned, or Not assigned yet

You then pass through two short checkpoints, External data and Scoring readiness, selecting Continue on each. Finally, choose View assessment or Start another.

What happened behind the scenes:

• The revision was frozen, and a submission manifest was created (reference MF-year-number). This exact snapshot is what gets scored.
• The status became SUBMITTED, or RESUBMITTED for a correction.
• If you chose an officer, the status moves to UNDER_REVIEW.

If the officer assignment fails

The submission still stands. You see Submitted, but the Credit Officer could not be assigned. Assign one from the Ownership panel on the summary. See 3.7.