Download - MUDRA LOAN - BORROWER JOURNEY BY CSC USERS
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DISCLAIMER
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 2
INDEX
1. LOGIN & REGISTRATION
2. LOAN APPLICATION – LOANS TAB
3. LOAN APPLICATION – PROFILE TAB
4. BUSINESS PROFILE - LOAN APPLICATION VIEW
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 3
LOGIN & REGISTRATION
SCREENWISE WALK THROUGH
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 4
LOGIN
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 5
The URL is: https://www.psbloansin59minutes.com/csc
This is the Landing Page. The CSC user can click on “Connect with Digital Seva” to proceed with the Login process.
CSC USER LOGIN
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 6
The CSC user is required to enter the credentials i.e Username/E-mail ID and Password assigned to him/her for the Digital Seva Connect Portal.
LOGIN
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 7
After logging on the Portal, the user will be re-directed to the Login/Registration page of PSBloansin59minutes platform.
If the CSC user is an existing user, he/she can directly login using the Unique Identification (UID) and password.
REGISTRATION PAGE
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 8
For new CSC users, the users are first required to Register on the platform by entering Name, Email ID and Mobile Number.
The Email-ID and Mobile Number will be verified through OTP for authentication purpose.
SET PASSWORD
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 9
The CSC User will be required to set a password. The same can be used for future login.
LANDING PAGE
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 1 0
Post successful registration, the CSC user will directly land on the Profile Page.
The CSC user may either create a borrower’s profile first and then apply for a loan or may apply for a loan directly by clicking on “Loan”.
LOAN APPLICATION - LOANS TAB
SCREENWISE WALK THROUGH
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 1 1
DETAILED PROCESS FLOW- LOAN TAB
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 1 2
Landing Page
Loan Tab Loan Type Selection
Register on Pbloansin59minutes
PlatformSet Password
Create/Select Profile
Select Banking Partner
Select Branch Office
Enter PAN
Step 1
Step 2
Step 3
In-Principle Approval
MCQ/Consent Page
GST Verification/ No-GST Sales Details
Step 4 Email Verification
Upload/Manual Fill ITR
Upload/Verify Bank Statement
Key Person DetailsAssociate Concern
DetailsOne Form
Login on CSC Portal
LOAN APPLICATION
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 1 3
From Loan Page, click on “Create New” to create a new loan application for a borrower.
Note: The CSC user needs to create separate profiles for each borrower on the platform.
LOAN SELECTION – MUDRA LOAN
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 1 4
The loan products are bifurcated into two categories i.e. business loans and retail loans.
The CSC user may select loan requirement by clicking on ‘Apply Now’ mentioned below Mudra Loan.
PAN DETAILS
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 1 5
The CSC user needs to enter PAN details of the Borrower to start the journey and the platform will fetch associated GST
registration(s) linked with the PAN.
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XXXXXXXXXXBUREAU REPORT
CONFIRMATION PAGE
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 1 6
The CSC user needs to provide the confirmation to the various statements that are shown on the current page and
proceed.
CONSENT & UNDERTAKING
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 1 7
A consent and undertaking pop-up window will appear. The CSC user needs to read the same and give consent by
ticking respective box to proceed to the Information Page.
INFORMATION UPLOAD SECTION
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 1 8
This is Information page. The CSC user needs to provide details required under each section shown.
Go to GST Details page by clicking “Complete Details”.
GST DETAILS PAGE
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 1 9
• For a GST registered borrower, the CSC user is required to verify GST registration(s) through OTP. OTP will be receivedon the borrower’s mobile number registered with GST.
• The CSC user may select from the already listed GST registration(s) or click on “Add Another GSTIN” to add GST details.
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GST DETAILS PAGE
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 2 0
After OTP verification, GST details will be displayed on the screen.
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GST DETAILS PAGE
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 2 1
For more than one GST registrations, follow the same process to verify other GST registration(s).
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XX XXXXXXXX XXX
SELECT PRIMARY GST ACCOUNT
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 2 2
In case of multiple GST accounts, the CSC user would be required to select one account as its primary GST account.
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IN CASE OF NO GST REGISTRATION
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 2 3
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If the borrower is not registered with GST, then the CSC user has to declare reason for non-registration with GST for the Borrower.
NO GST – MANUAL FILL PAGE
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 2 4
For Borrowers who are not registered with GST, CSC user will have an option to self-declare the business and sales
related details to procced the loan application.
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INFORMATION UPLOAD SECTION
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 2 5
After proceeding from GST/Sales page, the CSC user can proceed to fill ITR details of the borrower by clicking on
“Complete Details”.
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INCOME TAX RETURN – UPLOAD PAGE
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 2 6
At “Upload ITR” section, the CSC user can upload latest ITRs of the borrower for maximum of 3 years in XML/ PDF format.
Click on “Read Instructions” or “Watch Video” and follow the steps in order to download ITR in XML or PDF format.
Note: The Platform requires the Borrower to upload latest ITR for at least one year.
File Name File Name File Name
INCOME TAX RETURN - MANUAL FILL PAGE
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 2 7
If the borrower is exempt from filing ITR, the CSC user may click on “Manually Fill Financial Details” to self-declare
personal and income details.
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INFORMATION UPLOAD SECTION
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 2 8
Next, the CSC user can go to bank statements page to upload/verify the latest bank statement(s) of the Borrower.
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BANK ACCOUNT FETCH – POPUP
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 2 9
A pop-up might appear showing auto fetched Bank Accounts from ITR.
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Bank Name
Bank Name
Bank Name
BANK STATEMENT - UPLOAD PAGE
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 3 0
The CSC user may select from already listed Banks Accounts or may click on “Add Another Account” to add another
bank details of the borrower.
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Bank Name Bank Name Bank Name
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Bank Name
BANK STATEMENT - UPLOAD PAGE
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 3 1
The CSC user needs to select ‘bank name’ and ‘account since’ details and then upload the latest 6 months bank statement in PDF format.
Note: The bank statement should be either downloaded from Net Banking Facility or as received in mail from the bank. Platform will not
accept scanned copies of the account statement.
File Name
Bank Name
File Name
File Name
BANK STATEMENT - UPLOAD PAGE
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 3 2
Follow the same process, to upload more than one bank statement.
Note: Maximum 3 Bank statements can be uploaded.
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Bank Name Bank NameBank Name
xxxxx
XXXXXXXXXXXXX
BANK STATEMENT - VERIFY ACCOUNT PAGE
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 3 3
If the borrower does not have bank statement in PDF format, then the CSC user may click on “Verify Bank Account” to
manually provide bank details of the Borrower for verification.
INFORMATION UPLOAD SECTION
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 3 4
The CSC user may now proceed to Key Person details Page. The CSC user will be able to proceed to Key Person Details
page only after providing details to the previous 3 sections i.e. GST, ITR and Bank Statement.
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KEY PERSON DETAILS PAGE
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 3 5
The CSC user needs to provide business details and key person related details of the Borrower. Some of the details might be auto-filled. The CSC user needs to crosscheck the auto-filled and entered details before proceeding to the
next section.
Entity Name
KEY PERSON DETAILS PAGE
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 3 6
The CSC user needs to Select Main Partner/ Director, as applicable, and provide additional details for the same.
RELATED PARTY DECLARATION
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 3 7
A pop-up will appear to declare related parties, if any.
Customer Name
Customer Name
Customer Name
Supplier Name
Supplier Name
Supplier Name
INFORMATION UPLOAD SECTION
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 3 8
Next, the CSC user can proceed to Associate Concern Details page by clicking on “Complete Details”.
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ASSOCIATE CONCERN DETAILS
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 3 9
The CSC user can provide Associate Concern Details of the Borrower by clicking on “+Add Associate Concern”, if any.
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INFORMATION UPLOAD SECTION
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 4 0
Next, go to One Form page.
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ONE FORM
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 4 1
The CSC user needs to provide loan requirement details along with business related details of the Borrower.
ONE FORM
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 4 2
The details of existing credit facilities/ loans as fetched from bureau will be mentioned on the page for confirmation.
Click on “+ Add Existing Loan Details” to manually add any additional credit/loan details that have not been fetched
from bureau.
Bank Name
Bank Name
INFORMATION UPLOAD SECTION
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 4 3
After providing all the details at the Information Page, the CSC user may click on “Apply for Loan”.
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EMAIL VERIFICATION
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 4 4
If the borrower’s loan proposal got matched with any of the lender products on the platform, then a pop-up window
will appear for email address verification. Enter the OTP received on the registered email address of the CSC user in
order to verify.
MATCHES PAGE
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 4 5
The CSC user would be able to view all the lender products that have been matched with the loan proposal.
FILTERS
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 4 6
Various filters have been provided to refine the search.
Bank Name
Bank Name
Bank Name
MATCHES PAGE
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 4 7
The CSC user needs to compare and then select a preferable lender (product) suiting the borrower’s requirements.
BRANCH SELECTION
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 4 8
Now, the CSC user is required to select the lender state, city and branch where the borrower wants to forward his/ her
proposal for further processing.
Bank Name
Bank Name
Bank Name
Bank Name
Bank Name
Bank Name
Branch Address
Branch Address
Branch Address
Branch Address
Branch AddressIFSC Code
IFSC Code
IFSC Code
IFSC Code
IFSC Code
IFSC Code
State Name City Name
IN-PRINCIPLE APPROVAL
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 4 9
The Borrower will be afforded an In-principle approval letter by the preferred lender.
A copy of the letter will be mailed to both the CSC user and the preferred lender. The CSC user can communicate these details to the borrower.
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Bank Name
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OFFLINE APPLICATIONS
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 5 0
In case the borrower is ineligible for a contactless journey after providing all the required details, the CSC user will have
an option to forward the proposal for manual processing by selecting the Lender, State, City and Branch.
Bank Name
Bank NameBranch Address
Branch Address
Bank Name State Name City Name
LOAN APPLICATION - PROFILE TAB
SCREENWISE WALK THROUGH
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 5 1
DETAILED PROCESS FLOW- PROFILE TAB
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 5 2
Landing Page
Profile TabEnter Entity Name
& PAN
Register on PSB Platform
Set Password
Create Profile (Business)
Select Banking Partner
Select Branch Office
Verify GST/ No-GST Sales Details
Step 1
Step 2
Step 3
In-principle Approval
Upload/Manual Fill ITR
Apply for Loan
Step 4 Email Verification
Select Loan Type(Mudra)
Consent Page Key Person Details One Form
Upload/ Verify Bank Statement
Associate Concern Details
Login on the CSC portal
CREATE PROFILE
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 5 3
The CSC user also has been provided with an option to create a borrower’s profile first and then apply for a loan.
Note: The CSC user needs to create separate profiles for each borrower on the platform.
PROFILE - BUSINESS
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 5 4
For this, the CSC user needs to create a Business Profile to apply for Mudra Loan.
PROFILE CREATION - BUSINESS
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 5 5
The CSC user needs to enter Profile name and PAN number for verification.
PROFILE CREATION- BUSINESS
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 5 6
After creating profile, the CSC user needs to provide details required under each section shown to complete the profile.
PROFILE CREATION- BUSINESS
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 5 7
After successfully providing all the details of the Borrower, the CSC user may click on ‘Apply for Loan’ to view loan
options.
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LOAN SELECTION – MUDRA LOAN
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 5 8
As the CSC user has created Business Profile, he/she can apply for Mudra Loan.
CONSENT POPUP
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 5 9
A consent and undertaking pop-up window will appear. The CSC user needs to read the same and give consent by
ticking respective box to proceed to the Information Page.
BUSINESS PROFILE – INFORMATION UPLOAD SECTION
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 6 0
• From here, the process remains the same like Direct Loan Application. The CSC user can proceed to fill Key Person Details, Associate Concern Details and One Form
Details.
• After providing all the details at the Information Page, the CSC user may click on “Apply for Loan”.
• If the borrower’s proposal got matched with any of the lender products, the CSC user will be required to verify e-mail address through OTP verification.
• Post which, the CSC user can select Lender and Branch to forward the loan proposal and receive In-principle Approval Letter.
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BUSINESS PROFILE - LOAN APPLICATION VIEW
SCREENWISE WALK THROUGH
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 6 1
BUSINESS LOAN APPLICATION – PROFILE CREATION
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 6 2
If the CSC user has directly applied for any of the business loans, then borrower’s business profile gets created
automatically.
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BUSINESS PROFILE – EXISTING & NEW LOAN APPLICATION
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 6 3
Click on the created Profile to view details of on-going and completed loan applications. In future, the existing business
profile may be used to apply for next business loan requirements of the same borrower.
Entity NameEntity Name
xxxxx
Bank Name
Bank Name- Bank specific
Bank Name
xxxxx
BUSINESS PROFILE – COMPLETE LOAN APPLICATION
S t r i c t l y P r i v a t e & C o n f i d e n t i a l 6 4
The CSC user can click on “Complete Application” from any On-going application to complete the loan application
process of a particular borrower.
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xxxxx
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Bank Name
Bank Name
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Mail us at :
Borrower Journey Queries: [email protected]
Banker Journey Queries: [email protected]
Customer Helpline No: 079-41055999
THANK YOU