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Fictional example: Banking Demo Finance India, code DEMONBFC. Lending category, regulatory permissions and real policy owners remain inputs. This example grants no deposit-taking or card-issuing powers.

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Offering setup

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Worked borrower journey

APP-001 requests INR 120,000.00. Verify identity/income/consent, assess with CREDIT-DEMO-v1, obtain sanction and present the exact accepted terms. Disbursement creates LN-001 only when its bank outcome is confirmed. For a later INR 10,000.00 receipt, the fictional allocation example uses INR 1,000.00 interest and INR 9,000.00 principal, leaving INR 111,000.00 principal. This is arithmetic illustration, not an interest or repayment policy. A bank return must reverse the original allocation and correct dues/history. A promise to pay is not a receipt. If LN-001 is secured, release the linked security only after approved discharge and closure. If overdue, route to permitted collections with the required agent/customer notice. Exceptions, restructuring, waiver/write-off and settlement require explicit authority.

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Optional variants

Housing finance, microfinance/group lending, vehicle/gold/property-backed lending, supply-chain finance and co-lending may need different customer types, evidence, schedules, security, conduct and reports. They are candidates, not enabled defaults. Co-lending must declare each lender’s ownership, funding, disbursement/repayment allocation, ledger, reconciliation and customer disclosure. A sponsor relationship cannot silently combine customer access across tenants.

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Completion evidence

Demonstrate application → sanction → accepted agreement → confirmed disbursement → allocation → reversal/arrears handling → reconciled statement → closure/collateral release. Obtain real interface/policy owners and current entity-specific regulatory review before bank UAT.