5.11 Worked data example — one borrower end-to-end

This page traces the same synthetic borrower from 6.13 through the platform’s data layer. Where the underwriting page focused on the business logic, this page focuses on the JSON shapes at each stage.

Borrower: Sundar Textiles & Apparel Pvt Ltd — garment manufacturer, Bengaluru, requesting ₹35 lakh revolving WC line.

Stage 1 — Lead

{
  "lead_id": 10042,
  "created_at": "2026-04-12T09:21:14Z",
  "borrower_pan_token": "tok_pan_a1b2c3",
  "mobile_token": "tok_mob_d4e5f6",
  "channel_id": 7,
  "partner_id": 73,
  "sub_agent_id": 218,
  "campaign_id": null,
  "utm_source": "ca-portal",
  "utm_medium": "referral",
  "utm_campaign": null,
  "status": "qualified",
  "stage": "applied"
}

Stage 2 — Application

`application` row

{
  "application_id": 10042001,
  "borrower_id": 50221,
  "lead_id": 10042,
  "status": "submitted",
  "channel_id": 7,
  "partner_id": 73,
  "sub_agent_id": 218,
  "loan_product_id": 11,
  "loan_amount_sought": 3500000.00,
  "tenure_sought": 90,
  "purpose_code": "WC_RAW_MATERIAL_PURCHASE",
  "application_version": 3,
  "created_at": "2026-04-12T09:23:51Z",
  "submitted_at": "2026-04-12T10:48:02Z"
}

`application_section_data` (excerpt — business profile)

{
  "application_id": 10042001,
  "section_name": "business_profile",
  "data_json": {
    "trade_name": "Sundar Textiles",
    "gstin_declared": "29ABCDE1234F1Z5",
    "udyam": "UDYAM-KA-29-0001234",
    "annual_turnover_declared": 4200000.00,
    "num_employees": 25,
    "industry_nic_code": "14101",
    "operational_locations": [
      { "city": "Bengaluru", "state": "Karnataka", "type": "factory" },
      { "city": "Bengaluru", "state": "Karnataka", "type": "warehouse" }
    ]
  },
  "last_saved_at": "2026-04-12T09:42:30Z"
}

`business_entity`

{
  "id": 33112,
  "borrower_id": 50221,
  "legal_name": "Sundar Textiles & Apparel Private Limited",
  "trade_name": "Sundar Textiles",
  "gstin_token": "tok_gst_aa11bb22",
  "udyam_no": "UDYAM-KA-29-0001234",
  "cin_or_llpin": "U18101KA2020PTC133421",
  "pan_token": "tok_pan_e5f6g7",
  "date_of_incorporation": "2020-03-18",
  "date_of_commencement": "2020-04-01",
  "industry_nic_code": "14101",
  "business_sub_category": "garment_manufacturing_and_distribution",
  "annual_turnover_self_declared": 4200000.00,
  "turnover_validated_from_gst": 41500000.00,
  "business_vintage_years": 6.1,
  "working_capital_cycle_days_estimated": 105
}

`promoter` entries

[
  {
    "id": 88141,
    "business_entity_id": 33112,
    "name": "Sundari Murthy",
    "dob": "1980-04-15",
    "gender": "F",
    "pan_token": "tok_pan_pr_sm",
    "aadhaar_ref_token": "tok_aad_sm",
    "role": "director",
    "shareholding_pct": 60.00,
    "din_or_pin": "08123456",
    "kyc_status": "verified",
    "kyc_method": "vcip"
  },
  {
    "id": 88142,
    "business_entity_id": 33112,
    "name": "Rakesh Murthy",
    "dob": "1978-08-22",
    "gender": "M",
    "pan_token": "tok_pan_pr_rm",
    "aadhaar_ref_token": "tok_aad_rm",
    "role": "director",
    "shareholding_pct": 40.00,
    "din_or_pin": "08123789",
    "kyc_status": "verified",
    "kyc_method": "vcip"
  }
]

`consent` entries (recorded during application)

[
  {
    "id": 90001,
    "borrower_id": 50221,
    "purpose": "bureau_pull_consumer_commercial",
    "data_categories": ["consumer_bureau","commercial_bureau"],
    "granted_at": "2026-04-12T09:45:18Z",
    "expires_at": "2026-04-12T09:45:18Z",
    "version_of_policy": "consent_v3",
    "ip": "203.0.113.42",
    "device_fingerprint": "df_x9k1m"
  },
  {
    "id": 90002,
    "borrower_id": 50221,
    "purpose": "aa_bank_statement",
    "data_categories": ["deposit_account_statement"],
    "granted_at": "2026-04-12T10:01:42Z",
    "expires_at": "2027-04-12T10:01:42Z",
    "version_of_policy": "consent_v3",
    "vendor": "setu",
    "vendor_consent_ref": "setu_consent_ab12cd34"
  },
  {
    "id": 90003,
    "borrower_id": 50221,
    "purpose": "gst_data_pull",
    "data_categories": ["gstr1","gstr3b","gstr2a"],
    "granted_at": "2026-04-12T10:09:51Z",
    "expires_at": null,
    "version_of_policy": "consent_v3"
  }
]

Stage 3 — KYC

`kyc_record` for Sundari

{
  "id": 71001,
  "promoter_id": 88141,
  "method": "vcip",
  "ovd_type": "aadhaar_offline_xml",
  "ckyc_kin": "12345600000000",
  "ckyc_uploaded_at": "2026-04-12T11:08:33Z",
  "ckyc_status": "uploaded",
  "verified_at": "2026-04-12T11:05:11Z",
  "next_refresh_due_at": "2034-04-12T11:05:11Z"
}

`vcip_session`

{
  "id": 71101,
  "kyc_record_id": 71001,
  "vendor": "idfy",
  "started_at": "2026-04-12T10:48:22Z",
  "completed_at": "2026-04-12T11:05:11Z",
  "outcome": "success",
  "recording_uri": "s3://platform-prod-evidence/vcip/2026/04/71101.mp4",
  "geo_tag_lat": 12.97160,
  "geo_tag_lon": 77.59456
}

`sanctions_screen` for Sundari

{
  "id": 65001,
  "subject_type": "person",
  "subject_id": 88141,
  "vendor": "amlwatcher",
  "screened_at": "2026-04-12T11:09:14Z",
  "hits": [],
  "disposition": "clear"
}

Stage 4 — Data ingestion

`data_pull` entries (excerpt)

[
  {
    "id": 200441,
    "borrower_id": 50221,
    "data_type": "aa",
    "vendor": "setu",
    "consent_ref": "setu_consent_ab12cd34",
    "requested_at": "2026-04-12T10:05:30Z",
    "completed_at": "2026-04-12T10:11:12Z",
    "status": "completed",
    "raw_object_uri": "s3://platform-prod-ingest/aa/raw/200441.json.gpg",
    "parsed_object_uri": "s3://platform-prod-ingest/aa/parsed/200441.json"
  },
  {
    "id": 200442,
    "borrower_id": 50221,
    "data_type": "gst",
    "vendor": "cygnet",
    "requested_at": "2026-04-12T10:09:55Z",
    "completed_at": "2026-04-12T10:14:38Z",
    "status": "completed",
    "raw_object_uri": "s3://platform-prod-ingest/gst/raw/200442.xml.gpg",
    "parsed_object_uri": "s3://platform-prod-ingest/gst/parsed/200442.json"
  }
]

`bank_statement` (excerpt of parsed_metrics_json)

{
  "account_holder_name": "SUNDAR TEXTILES AND APPAREL PVT LTD",
  "bank_name": "HDFC Bank",
  "account_type": "Current",
  "ifsc": "HDFC0001234",
  "period_start": "2024-05-01",
  "period_end": "2026-05-01",
  "aggregates": {
    "abb_12_months": 185000.00,
    "monthly_credit_avg": 3850000.00,
    "monthly_debit_avg": 3780000.00,
    "max_eod_balance": 924500.00,
    "min_eod_balance": -12300.00,
    "negative_balance_days_last_6_months": 2
  },
  "behaviour": {
    "nach_bounces_12_months": 1,
    "cheque_returns_12_months": 0,
    "cash_deposit_ratio": 0.08,
    "circular_transactions_flag": false,
    "tampering_flag": null
  },
  "recurring_emi": [
    {
      "lender_guess": "HDFC Bank",
      "amount": 45000.00,
      "frequency": "monthly",
      "detected_from": "2023-08"
    }
  ]
}

`gst_report` (excerpt of gstr3b_metrics_json)

{
  "annual_turnover_last_12_months": 41500000.00,
  "annual_turnover_prior_12_months": 35200000.00,
  "yoy_growth_pct": 17.9,
  "monthly_filings_in_24_months": 24,
  "monthly_on_time_filings": 22,
  "late_filings_last_6_months": 0,
  "monthly_volatility_cv": 0.42,
  "top_buyer_share_pct": 28.0,
  "top_3_buyers_share_pct": 55.0,
  "unique_buyers_12_months": 73,
  "gst_status_changes_12_months": []
}

`bureau_report` for Sundari (excerpt)

{
  "id": 88801,
  "subject_type": "person",
  "subject_id": 88141,
  "cic": "cibil",
  "report_type": "consumer",
  "pulled_at": "2026-04-12T10:25:33Z",
  "score": 782,
  "summary": {
    "active_accounts": 2,
    "closed_accounts": 4,
    "writeoff_accounts": 0,
    "30plus_dpd_24m": 0,
    "90plus_dpd_24m": 0,
    "enquiries_6m": 1,
    "wilful_defaulter": false,
    "active_accounts_detail": [
      {
        "type": "credit_card",
        "lender": "HDFC Bank",
        "limit": 200000,
        "outstanding": 70000,
        "utilisation_pct": 35.0,
        "dpd_24m_max": 0
      },
      {
        "type": "home_loan",
        "lender": "HDFC Bank",
        "sanction": 5500000,
        "outstanding": 4000000,
        "emi": 45000,
        "dpd_24m_max": 0,
        "remaining_tenure_months": 168
      }
    ]
  }
}

Stage 5 — Decision run

`decision_run` row

{
  "id": 9020415,
  "application_id": 10042001,
  "policy_id": 4711,
  "inputs_snapshot_uri": "s3://platform-prod-decisioning/inputs/9020415.json",
  "trace_uri": "s3://platform-prod-decisioning/trace/9020415.json",
  "outputs_json": {
    "decision": "APPROVE",
    "risk_grade": "A2",
    "scorecards": {
      "bureau": { "grade": "A2", "reason": "worst-of promoters" },
      "gst": { "grade": "A1", "reason": "turnover, filing, concentration all A" },
      "bank_statement": { "grade": "A1" },
      "cash_flow": { "grade": "A1", "dsc_x": 4.5 },
      "tally": { "grade": "A1" },
      "manufacturing_overlay": { "outcome": "all_pass" },
      "fraud": { "grade": "clear" }
    },
    "consolidated_grade": "A2",
    "recommended_sanction_amount": 3500000,
    "recommended_tenure_days": 180,
    "recommended_rate": 0.1950,
    "recommended_processing_fee_pct": 0.0125,
    "recommended_servicing_fee_pa": 0.0025,
    "conditions": [
      "Disbursement to HDFC current account verified by penny drop",
      "NACH mandate on HDFC account active before drawdown",
      "Quarterly Tally export submission"
    ]
  },
  "decision": "approve",
  "reason_codes": [
    "BUREAU_A2",
    "GST_TURNOVER_A1",
    "BANK_STMT_A1",
    "CASHFLOW_DSC_HIGH",
    "MANUFACTURING_OVERLAY_PASS"
  ],
  "recommended_sanction_amount": 3500000.00,
  "recommended_tenure": 180,
  "recommended_rate": 0.1950,
  "risk_grade": "A2",
  "started_at": "2026-04-12T10:30:01Z",
  "completed_at": "2026-04-12T10:30:43Z"
}

Decision trace (excerpt — first 5 of 45 rules; full trace in `trace_uri`)

{
  "policy_version": 4711,
  "rules": [
    {
      "rule": "GSTIN_ACTIVE_REQUIRED",
      "input": { "gstin_status": "Active" },
      "output": "PASS",
      "contribution": "+eligibility"
    },
    {
      "rule": "BUSINESS_VINTAGE_MIN_24_MONTHS",
      "input": { "vintage_months": 73 },
      "output": "PASS",
      "contribution": "+eligibility"
    },
    {
      "rule": "INDUSTRY_NOT_RESTRICTED",
      "input": { "nic_code": "14101" },
      "output": "PASS",
      "contribution": "+eligibility"
    },
    {
      "rule": "BUREAU_SCORE_MIN_650_PROMOTER",
      "input": { "score_worst_of": 768 },
      "output": "PASS",
      "contribution": "+bureau A2"
    },
    {
      "rule": "GST_TURNOVER_MIN_20L_ANNUAL",
      "input": { "turnover_12m": 41500000 },
      "output": "PASS",
      "contribution": "+gst A"
    }
  ]
}

Stage 6 — Sanction

`sanction`

{
  "id": 6800212,
  "application_id": 10042001,
  "decision_run_id": 9020415,
  "sanctioned_at": "2026-04-12T11:48:30Z",
  "sanctioned_by_user_id": 401,
  "amount": 3500000.00,
  "tenure_days": 180,
  "rate": 0.1950,
  "fees_json": {
    "processing": 43750.00,
    "processing_gst": 7875.00,
    "servicing_pa": 0.0025
  },
  "conditions_json": [
    "Disbursement to HDFC current account",
    "NACH mandate active before drawdown",
    "Quarterly Tally export"
  ],
  "valid_until": "2026-05-12T23:59:59Z"
}

Stage 7 — Documentation

`issued_document` entries

[
  {
    "id": 730412,
    "type": "kfs",
    "sanction_id": 6800212,
    "template_version_id": 312,
    "language": "en",
    "generated_at": "2026-04-12T11:52:04Z",
    "object_uri": "s3://platform-prod-docs/kfs/2026/04/730412_en.pdf"
  },
  {
    "id": 730413,
    "type": "kfs",
    "sanction_id": 6800212,
    "template_version_id": 313,
    "language": "kn",
    "generated_at": "2026-04-12T11:52:05Z",
    "object_uri": "s3://platform-prod-docs/kfs/2026/04/730413_kn.pdf"
  },
  {
    "id": 730414,
    "type": "loan_agreement",
    "sanction_id": 6800212,
    "template_version_id": 78,
    "language": "en",
    "generated_at": "2026-04-12T12:01:18Z",
    "object_uri": "s3://platform-prod-docs/agreement/2026/04/730414.pdf"
  }
]

`esign_session` for the loan agreement

{
  "id": 540118,
  "document_id": 730414,
  "vendor": "leegality",
  "signers": [
    {
      "promoter_id": 88141,
      "status": "signed",
      "aadhaar_esign_txn_ref": "UIDAI-ESIGN-X1Y2Z3-1",
      "signed_at": "2026-04-12T13:14:48Z"
    },
    {
      "promoter_id": 88142,
      "status": "signed",
      "aadhaar_esign_txn_ref": "UIDAI-ESIGN-X1Y2Z3-2",
      "signed_at": "2026-04-12T13:42:11Z"
    }
  ],
  "completed_at": "2026-04-12T13:42:11Z",
  "audit_uri": "s3://platform-prod-evidence/esign/540118-audit.pdf"
}

`mandate`

{
  "id": 88712,
  "application_id": 10042001,
  "type": "enach",
  "vendor": "digio",
  "npci_ref": "NM00002301122",
  "status": "active",
  "borrower_account_id": "tok_acc_hdfc_xyz",
  "max_debit_amount": 5000000,
  "frequency": "as_per_demand",
  "valid_from": "2026-04-12",
  "valid_to": "2030-04-12"
}

Stage 8 — Disbursement (first drawdown of `₹15 lakh`)

`disbursement_instruction`

{
  "id": 920441,
  "loan_account_id": null,
  "sanction_id": 6800212,
  "draw_sequence": 1,
  "created_at": "2026-04-12T14:35:12Z",
  "approved_at": "2026-04-12T14:38:55Z",
  "approved_by_user_id": 401,
  "executed_at": "2026-04-12T14:42:01Z",
  "amount": 1500000.00,
  "to_account_token": "tok_acc_hdfc_xyz",
  "to_ifsc": "HDFC0001234",
  "to_account_name_match": "SUNDAR TEXTILES AND APPAREL PVT LTD",
  "purpose": "wc_raw_material",
  "utr": "SBINH26041214500003",
  "status": "completed"
}

Stage 9 — LMS

`loan_account`

{
  "id": 1234560,
  "borrower_id": 50221,
  "sanction_id": 6800212,
  "product_id": 11,
  "activated_at": "2026-04-12T14:42:30Z",
  "current_outstanding": 1500000.00,
  "current_classification": "standard",
  "current_dpd_days": 0,
  "last_event_at": "2026-04-12T14:42:30Z"
}

`loan_event` entries (chronological)

[
  {
    "id": 100000001,
    "loan_id": 1234560,
    "event_type": "activate",
    "event_at": "2026-04-12T14:42:30Z",
    "event_payload_json": {
      "sanction_id": 6800212,
      "disbursement_id": 920441,
      "initial_principal": 1500000.00
    },
    "idempotency_key": "act_1234560_1"
  },
  {
    "id": 100000002,
    "loan_id": 1234560,
    "event_type": "disburse",
    "event_at": "2026-04-12T14:42:01Z",
    "event_payload_json": {
      "amount": 1500000.00,
      "utr": "SBINH26041214500003"
    },
    "idempotency_key": "dis_920441"
  },
  {
    "id": 100000003,
    "loan_id": 1234560,
    "event_type": "accrual",
    "event_at": "2026-04-13T23:30:00Z",
    "event_payload_json": {
      "rate": 0.1950,
      "days": 1,
      "interest_accrued": 800.55
    },
    "idempotency_key": "acc_1234560_20260413"
  }
]

`schedule_line` for the `₹15 lakh / 90-day` draw

[
  {
    "id": 200012,
    "loan_id": 1234560,
    "due_date": "2026-07-11",
    "principal_due": 1500000.00,
    "interest_due": 72090.41,
    "total_due": 1572090.41,
    "paid_principal": 0,
    "paid_interest": 0
  }
]

(For a bullet-repayment drawdown like this, a single schedule line at maturity. Interest is 1500000 × 19.5% × 90/365 = ₹72,090.41.)

`classification_snapshot` (Day 1)

{
  "id": 5000001,
  "loan_id": 1234560,
  "snapshot_date": "2026-04-12",
  "class": "standard",
  "dpd_days": 0,
  "principal_overdue": 0,
  "interest_overdue": 0
}

Stage 10 — Audit log (sample entries)

[
  {
    "id": 88000123,
    "actor_user_id": 401,
    "action": "sanction.approved",
    "resource_type": "sanction",
    "resource_id": "6800212",
    "before_state_json": { "status": "proposed" },
    "after_state_json": { "status": "approved", "approved_by_user_id": 401 },
    "request_ip": "10.42.7.18",
    "timestamp": "2026-04-12T11:48:30Z",
    "prev_hash": "9af7c1...",
    "this_hash": "82bd44..."
  },
  {
    "id": 88000124,
    "actor_user_id": 50221,
    "actor_service_id": "borrower-bff",
    "action": "kfs.acknowledged",
    "resource_type": "issued_document",
    "resource_id": "730412",
    "before_state_json": { "acknowledged": false },
    "after_state_json": { "acknowledged": true, "ack_timestamp": "2026-04-12T12:10:25Z" },
    "request_ip": "203.0.113.42",
    "timestamp": "2026-04-12T12:10:25Z",
    "prev_hash": "82bd44...",
    "this_hash": "b1c45e..."
  }
]

Stage 11 — Co-lending (illustrative if this loan were co-lent at `80:20`)

`loan_allocation`

{
  "id": 60001,
  "loan_id": 1234560,
  "partner_lender_id": 7,
  "originator_share_pct": 20.00,
  "partner_share_pct": 80.00,
  "originator_share_outstanding": 300000.00,
  "partner_share_outstanding": 1200000.00,
  "booked_at": "2026-04-12T14:42:30Z"
}

(In this synthetic example the loan is own-book, so no allocation row exists.)

Stage 12 — Accounting (GL postings for activation)

{
  "id": 4000456,
  "transaction_date": "2026-04-12",
  "description": "Loan disbursement — Sundar Textiles WC line draw 1",
  "source_module": "lms",
  "source_ref": 100000002,
  "entries_json": [
    {
      "account_code": "1201",
      "account_name": "Loans and Advances — WC Lines",
      "debit": 1500000.00,
      "credit": 0
    },
    {
      "account_code": "1101",
      "account_name": "Disbursement Bank Account",
      "debit": 0,
      "credit": 1500000.00
    }
  ]
}

GST invoice for processing fee

{
  "id": 7800022,
  "loan_id": 1234560,
  "borrower_id": 50221,
  "invoice_no": "INV-2026-04-7800022",
  "invoice_date": "2026-04-12",
  "taxable_value": 43750.00,
  "cgst": 3937.50,
  "sgst": 3937.50,
  "igst": 0,
  "total": 51625.00,
  "hsn_code": "997199"
}

(Karnataka borrower → CGST + SGST split, not IGST.)

What this shows

Every entity has a concrete shape engineers can prototype against.
Every state transition is captured in loan_event for audit.
Tokenised PII flows everywhere; clear text only in the PII vault.
Cross-references (sanction → disbursement → loan → events → classification) connect cleanly.
Audit chain spans every action.
GL postings reflect operational events in real time.

The same shape applies to every loan; the wedge difference between this happy-path example and edge cases (refer, deviation, NPA, restructuring, write-off, co-lending) shows up in the events the loan emits, not in fundamentally different table structure.

5.3 Core data model — conceptual catalogue.
5.9 Schema reference — DDL.
5.8 Sequence diagrams — flows.
6.13 Underwriting walkthrough — same borrower from the credit lens.

5.11 Worked data example — one borrower end-to-end

Stage 1 — Lead

Stage 2 — Application

application row

application_section_data (excerpt — business profile)

business_entity

promoter entries

consent entries (recorded during application)

Stage 3 — KYC

kyc_record for Sundari

vcip_session

sanctions_screen for Sundari

Stage 4 — Data ingestion

data_pull entries (excerpt)

bank_statement (excerpt of parsed_metrics_json)

gst_report (excerpt of gstr3b_metrics_json)

bureau_report for Sundari (excerpt)

Stage 5 — Decision run

decision_run row

Decision trace (excerpt — first 5 of 45 rules; full trace in trace_uri)