Close more loans.Chase fewer documents.

ShikshaLoan verifies every file, flags what’s missing, and drafts the next WhatsApp follow-up before submission.

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9:41● ● ◢
ShikshaLoan AIonline•••
Today
Please check this loan file for Sanjay Kumar. He has sent the documents.loan_documents.zip8 documents · 14.2 MB10:14 ✓✓
Received. I’ll check all 8 documents and share one summary here.10:15
loan_file_summary.pdf8 checked · 2 need action PAN verified Aadhaar back missing Latest bank statement needed10:17
The customer follow-up is ready for your review.10:17
Sanjay Kumar’s latest documents and status have been updated in the system.10:18
Message›
8 documentssorted, renamed, checked
Ready to pastereviewed lender-form fields

Before a loan file is ready, someone has to make sense of the mess.

Documents arrive across WhatsApp, downloads and shared folders. The agent renames files, opens them one by one, records what is missing and writes every customer follow-up by hand.

WhatsApp intakeToday
Blurred PAN upload
PAN photo.jpgPhoto · number is blurred
10:04
Aadhaar front upload
Aadhaar front.jpgPhoto · front side
10:06
PDFbank_statement.pdf6 pages · PDF10:09
ZIPdocuments.zip4 files · ZIP10:10
What arrivedFour messages. Three issues. No checklist yet.
DownloadsUnknown, unorganized files
IMG_4821.jpgReceived 10:04 · unknown document1
Document (7).pdfReceived 10:09 · 6 pages2
docs_final.zipFour files · not extracted3
bank_statement_new_FINAL.pdfDuplicate name · period unclear4
scan_02.jpgCustomer name not visible5
Names, versions and ownership are still unclear.

ShikshaLoan starts the loan-ops work when the documents arrive.

Files can come from WhatsApp, email or manual upload. Each stage produces something the agent can review and use.

Agent reviewing a loan file on a phone
S

New loan documents receivedFiles are being added to the customer folder.

  • Collect

    Bring every incoming document into the right customer file.

  • Read

    Identify each document, rename it and extract the useful details.

  • Check

    Compare the file with the lender checklist and other documents.

  • Prepare

    Build the summary, form details and the next customer request.

Every document is verified before the loan file is called ready.

PAN, Aadhaar, bank statements, salary slips, ITR files and supporting PDFs go through the same first pass. ShikshaLoan checks whether each file opens, reads clearly, belongs to the customer and satisfies the selected loan checklist. The full file receives a readiness status after every document has a result.

Document file preview File opened
File access

8 / 8 opened

Every uploaded PDF and ZIP item opens correctly.

Page audit preview27 / 27 pages checked
Page audit

Pages complete

Page counts match the documents and selected checklist.

Field-reading previewName foundAddress found
Visual quality

Fields can be read

Blur, crop and unreadable fields are checked page by page.

Bank statementJune requiredAadhaarBack not receivedPANCurrent
Document currency

2 customer actions

Missing or outdated documents become clear requests.

82%82%Loan file readiness
8 documents checked 2 customer actions 1 agent review
Cross-document review

1 agent review

Name agreement stays linked to PAN and Aadhaar evidence.

Every anomaly comes with a reason and the next useful action.

A blurred number, missing page, older statement or name mismatch appears beside the document that caused it. Customer-fixable items are grouped into one plain WhatsApp draft. Agent-review items stay inside the file for a person to resolve.

ProblemsWhat blocks this loan file
Blurred PAN evidence
Problem 01

PAN number is blurred

The number cannot be confirmed on PAN page 1.

PAN · page 1
Aadhaar back missing
Problem 02

Aadhaar back is missing

Only the front side is present in the customer folder.

Aadhaar checklist
Incomplete bank statement evidence
Problem 03

Bank statement period is incomplete

The bank statement ends in May; June is still required.

Statement period
SolutionsWhat the team does next
Agent review

Name mismatch across documents

PAN includes a middle name that is not present on Aadhaar.

PAN ↔ Aadhaar · review identity
Replacement-aware checkOnly the new file will be rechecked.
Draft prepared for the clientFollow-up ready for review
Hi Shubham, please send:A clear PAN photo. The number is blurred.Both sides of Aadhaar. The back is missing.Your June bank statement.

Nothing is sent without agent approval.

Bank statement verification becomes a lending summary.

This is the bank-statement part of full-file verification. Once the statement passes its quality and period checks, average balance, salary credits, obligations, bounces and large transactions are pulled into a reviewable financial summary.

Financial reviewApr–Sep · 6 months Statement quality passed
Monthly cash flowHealthy pattern
Six month bank credit and balance trendAprMayJunJulAugSep
2 cheque returns0 EMI bounces₹1.31L lowest balance

The next screen opens with the answers ready.

The case workbook sits at the top of the customer folder. The first sheet shows readiness and pending documents. Other sheets hold extracted details, source links and clean values for lender forms. CSV exports are available when needed.

shubham_documents
001_loan_file.xlsxOPEN
002_pan_card.pdf
003_aadhaar.pdf
004_bank_statement.pdf
005_itr.pdf
● ● ● Loan file workbook
SummaryDocumentsBankingReady to Paste
SummaryLast updated just now
Problems found3 customer actions
PAN photo is blurredPAN · page 1Request clear photo
Aadhaar back is missingAadhaar checklistRequest back side
June statement is missingBanking · periodRequest latest month
Agent review: identity namePAN ↔ Aadhaar source pages linkedReview identity
WhatsApp follow-upReady for approval

Hi Shubham, please send a clear PAN photo, the back side of your Aadhaar and your June bank statement.

Next: approve, send, then recheck only the replacements.

Every case has one visible next action.

The queue separates customer follow-ups, agent reviews and files that are ready to submit. The team can see who owns the next step, how long the case has waited and the evidence behind each action.

Today's action queue
7 files need action
Needs customer reply3
Follow-upSK
Shubham KumarHome loan · 82% ready1h 12m

Aadhaar back and June statement required.

Follow-upRP
Riya PatelSalary slip required3h
Agent review2
ReviewMS
Meera SharmaEducation loan · 91% ready36m

Name mismatch between PAN and Aadhaar.

ReviewVS
Vikram SinghIncome needs confirmation2h
Ready to submit2
ReadyAM
Aarav MehtaBusiness loan · 100% ready12m

All documents and reviewed fields are complete.

ReadyNR
Nisha RaoReady for lender form28m

Start with one loan file. Add capacity when your team is ready.

Plans scale by monthly loan-file volume and seats. Every plan starts with the same document-checking workflow. No connector caps.

Switch to yearly and save

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Run one complete file through the product. No card required.

₹0once
  • 1 loan case
  • 1 seat
  • Complete document intake
  • Whole-file verification
  • Anomaly and follow-up draft
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Most popular

Starter

For a small operations team building a steady pipeline.

₹2,999/ month
  • 100 cases each month
  • 5 seats
  • All intake connectors
  • Bank and tax summaries
  • Ready-to-paste workbook
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Growth

For a larger desk processing files every day.

₹9,999/ month
  • 500 cases each month
  • 10 seats
  • All intake connectors
  • Configured lender checklists
  • Longer audit history
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Put your next loan file through ShikshaLoan.

Send the documents. Review the result from intake to lender-ready summary. Your agent keeps the final say at every step.

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