For DSAs & Loan Consultants

Complete Offline
Desktop Loan
Underwriting Software

Analyze sensitive borrower files, bank statements, ITR, GST, bureau reports, and financial documents on your own computer. SanctionDesk's core analytics continue working even when the internet is disconnected.

Internet is only needed for software updates and encrypted client data transfers.

SanctionDesk Workspace - C:\SanctionDesk\Cases\Demo-Local
Case Explorer
Overview
Bank Statements
GST Returns
ITR Analysis
Bureau Reports
Financial Ratios
Status
Working Offline

Financial Ratios & Eligibility

Export Credit Note
Average Bank Balance
₹ 12,45,000
Estimated Turnover (GST)
₹ 4.2 Cr
Debt Service Coverage
1.85x
Month Credits Debits EOD Average Bounce Count
Jan 2026 ₹ 35,20,100 ₹ 32,10,000 ₹ 14,20,000 0
Feb 2026 ₹ 41,50,000 ₹ 39,00,000 ₹ 11,80,000 0
Mar 2026 ₹ 52,10,000 ₹ 48,50,000 ₹ 15,10,000 0
Works completely offline
Data stays on your computer
Encrypted client transfer
No cloud underwriting database
Desktop-first underwriting

Core Underwriting Capabilities

A focused workbench for DSAs and loan professionals who handle sensitive financial files every day.

Offline Desktop Processing

Install locally and process heavy case files without uploading gigabytes to the cloud. Your algorithms run locally.

Bank Statement Analysis

Automated parsing of statement PDFs. Calculates average balances, flags EMI bounces, and categorizes recurring expenses.

ITR/GST Portal Data

Directly analyze portal JSON/PDF exports. Reconcile reported turnover with bank receipts locally.

Ratios & Eligibility

Compute DSCR, FOIR, LTV, and customized eligibility metrics based on consolidated financial health.

Credit Note Preparation

Generate comprehensive CAM (Credit Appraisal Memo) and executive summary reports ready for bank submission.

From file to credit note

A complete underwriting flow without a cloud underwriting database

Create a local case, parse documents, reconcile bank and tax numbers, review ratios, then prepare the credit note. Internet remains optional for core analytics after installation.

1
Local case folder
Bank, ITR, GST, bureau and profile documents stay on your PC.
Offline
2
Parser and reconciliation engine
Extracts transactions, turnover, obligations and ratios locally.
Local
3
Credit note preparation
Produce a structured CAM-style summary for bank submission.
Ready

No borrower file upload

The public website is for installers, license requests, payment proof, and support. Underwriting files stay in the desktop app.

Encrypted client transfer

Client Fetcher packages are encrypted independently of transport, with WebRTC P2P as the primary automatic path.

Single PC, unlimited cases

One annual desktop license supports unlimited clients and case files on the licensed computer.

Launch pricing

Desktop license for one PC

MRP ₹59,000/year. Launch price ₹24,999/year plus 18% GST.

₹24,999 + GST / year

Includes Windows or macOS desktop license, updates, support and Client Fetcher workflow.

View Payment Instructions