IndustriesLending & credit
The agent calls every approved applicant who hasn't drawn down.
“Why don't approved applicants draw down?”
You spent the acquisition cost, ran the bureau check and issued the sanction. A large share still never disburse. The CRM logs it as “not interested,” which is not a reason.
What this looks like
Heard on 29 of 150 approved, undrawn applicants
“I got the sanction. But if I close it early they will charge me a big penalty, so I left it.”
translated from Hindi
Foreclosure is free after 6 EMIs on this product. It is on page 3 of the sanction letter.
| What turns up in the conversations | |
|---|---|
| 01 | rate misread |
| 02 | processing fee surprise |
| 03 | prepayment penalty fear |
| 04 | “is this lender legitimate?” |
| 05 | took a competing offer |
| 06 | need passed |
Your report puts a count next to every line. From your own applicants, not a benchmark.
You’d be measured on
Disbursed loans
Compliance
RBI contact windows and mandatory human escalation apply to every lending conversation, with an immutable audit trail. The full picture →
A pilot answers this question with your own applicants. We call 500 of them. You get one full report in 30 days. Then you decide.