Explore

Limit Management via reports from lender

Various lender reports need to be auto read from the emails received and the database needs to be populated. Below are the list of reports received from which data needs to be extracted:

Open Market Report

Interest Outstanding Report

Accrued Interest Report

Client Receivable ledger

Files

Files

Name

Column 2

Notes

Open Market Report

Available Limit.xlsx

Open

Interest Outstanding Report

Interest Outstanding 03-01-25 SM.xlsx

Open

Accrued Interest Report

Accrued Interest rf.xlsx

Open

Client Receivable ledger

SM Receivable Ledger 03-01-25.xlsx

Open

There are no rows in this table

⁠

In case a LAN id is found which is not mapped in our system, an auto email should be triggered to Operations email id marking the list of LAN ids which aren’t mapped so that they can map those LAN ids

Supermoney's Internal Table

Supermoney's Internal Table

Client Name

Application ID

Sanctioned Limit

Principal Outstanding

Available Limit

Total Interest Charges

Total Penal Accrued

Principal_Overdue_0_30 Days

Principal_Overdue_more_than_30_days

Max DPD

Total_Overdue

Total_Outstanding

Notes

Open

There are no rows in this table

⁠

Total_Overdue:

Definition: Minimum amount that the customer needs to clear in order to start accepting invoices.

This includes principal, interest and penal amounts.

Value: (Principal_Overdue_Amount_0_30_Days + Principal_Overdue_Amount_more_than_30_Days + Total_Interest_Charges + Total_Penal_Accrued + 2Days Buffer)

Total_Outstanding:

Definition: Entire amount to be cleared by customer till date.

Interest can still be posted at the end of the month by certain lenders like ABFL. This interest component will then become part of next month’s outstanding.

Value: (Principal_Outstanding + Total_Interest_Charges + Total_Penal_Accrued + 2Days Buffer)

2Days Buffer: Principal_Outstanding * 27% / 365 * 2

Unique Identifier: Customer Name and Business Segment

Mapping with ABFL or any lender

Mapping with ABFL or any lender

ABFL LAN ID/ Lender ID

Supermoney's App ID

Lender

Notes

ABFL

Open

ABFL

Open

ABFL

Open

ABFL

Open

There are no rows in this table

⁠

A list of LANs will be mapped to a unique Supplier App ID

So 1 App ID will be marked against multiple LANs

In order to find any Limits/ interest outstanding/ penal outstanding... all the list of LANs which are mapped to Supermoney’s App ID will be clubbed together by adding their values to get actual value for that customer’s data point

ABFL/ Lender Report - Open Market Supermoney

ABFL/ Lender Report - Open Market Supermoney

Client Name

limit_cr (Sanctioned_Limit)

limit_utilisation_%

Principal Outstanding

Available Limit

Notes

Open

There are no rows in this table

⁠

Principal Outstanding: (limit_cr*10^7) * limit_utilisation_%

Available Limit: (limit_cr*10^7) - Principal Outstanding

A Client Name can have multiple entries for limits which needs to be added together to get actual limits data for that client name

For eg. SHREE CHAKRA SALES PRIVATE LIMITED shows 2 entries. The limit_cr, principal Outstanding, Available limits needs to be added for both the entries.

Interest Charges Outstanding

Interest Charges Outstanding

Client Name

Outstanding_Interest_Charges_Amount

DPD

Notes

Open

There are no rows in this table

⁠

A Client can have multiple entries for interests which needs to be added together to get actual interests data for that client name

For eg. SHREE CHAKRA SALES PRIVATE LIMITED shows 2 entries. The Outstanding_Interest_Charges_Amount needs to be added for both the entries to get Total_Interest_Charges

Accrued Interest CF/ RF reports (Don't have a new report as of yet)

Accrued Interest CF/ RF reports (Don't have a new report as of yet)

Client_Account_CD

total _overdue_charges

Column 3

Notes

Open

There are no rows in this table

⁠

A Client can have multiple entries for total_overdue_charges which needs to be added together to get Total Penal Accrued data for that client

Client_Account_CD: LAN

Total Penal Accrued: total_overdue_charges

Client Receivable Ledger Report

Client Receivable Ledger Report

Client Account CD

Invoice Amount

pre_payment_percent

Inv Allocate AMT

Notes

Open

There are no rows in this table

⁠

Principal Overdue_0_30_Days:

Steps to calculate:

Find out all the invoices which are currently in overdue DPD >0 and DPD < 30 Formula: Today’s date - (Due date + OVERDUE_GRACE_DAYS)

Find Disbursement Amount for all these invoices Formula: ppp_amount * INV AMOUNT

Find out Balance Amount for all these invoices Formula: Disbursement Amount - INV ALLOCATE AMT

Calculate sum of all such invoices at a client level. A client has a list of LANs mapped against it

Principal Overdue_more_than_30_days:

Steps to calculate:

Find out all the invoices which are currently in overdue DPD >30 Formula: Today’s date - (Due date + OVERDUE_GRACE_DAYS)

Find Disbursement Amount for all these invoices Formula: ppp_amount * INV AMOUNT

Find out Balance Amount for all these invoices Formula: Disbursement Amount - INV ALLOCATE AMT

Calculate sum of all such invoices at a client level. A client has a list of LANs mapped against it

DPD: Today’s date - (Due date + OVERDUE_GRACE_DAYS)

Max DPD: Maximum of all the DPDs against a customer

Want to print your doc?
This is not the way.

Try clicking the ⋯ next to your doc name or using a keyboard shortcut (

CtrlP

) instead.