✅ Your Loan’s Approved—But Where’s the Money?
You’ve received that magic message:
“Your loan has been sanctioned.”
But now what?
Many borrowers assume sanction = money in your account.
Not quite.
At Vizzve, we break down exactly what happens after loan sanction and how to avoid delays.
🧭 Step-by-Step: From Sanction to Disbursal
🔹 Step 1: Offer Letter Sent
This document includes:
Sanctioned amount
Interest rate
Tenure & EMI
Disbursal conditions
✅ Action: Read it carefully and digitally accept the terms.
🔹 Step 2: Document Verification (Final Round)
Even if pre-approved, your lender will:
Re-check KYC documents
Validate income proof
Cross-check bank statements
✅ Tip: Upload clear, updated documents. Blurry or mismatched details delay disbursal.
🔹 Step 3: Agreement Signing
You’ll be asked to:
E-sign or digitally approve the loan agreement
Give e-NACH (EMI auto-debit mandate)
✅ Tip: Set EMI debit from your salary account to ensure timely payment.
🔹 Step 4: Disbursal Scheduling
Once all validations are cleared:
The amount is queued for release
You’ll get a confirmation SMS/email
Disbursal is usually within 24–48 hours (often faster with Vizzve)
✅ Pro Tip: Loans from NBFCs and digital lenders like Vizzve disburse faster than traditional banks.
🔹 Step 5: Funds in Your Account
You’ll see the loan credited to your bank account with:
A unique loan ID
Next EMI due date
Downloadable loan schedule
✅ Track this in the Vizzve app dashboard or your inbox.
⚠️ Why Some Disbursals Get Delayed
| Reason | What to Do |
|---|---|
| ❌ Missing/incomplete documents | Upload all docs during application |
| ❌ KYC mismatch (address, name) | Use same ID proof for everything |
| ❌ eMandate failure | Use a bank that supports auto-debit |
| ❌ Verification call not completed | Pick up unknown numbers post-sanction |
| ❌ Loan limit revised | Re-check updated offer terms |
🧠 Vizzve Answers Your Disbursal Questions
Q1. Can I cancel the loan after sanction?
Yes, if you haven't signed the agreement. Once disbursed, cancellation isn’t possible.
Q2. Can I change the disbursal amount?
Some lenders allow this before final approval. Post-sanction, it’s locked.
Q3. Why is my sanctioned amount less than applied?
The lender may reduce it based on:
Credit risk
Existing obligations
Income-to-loan ratio
🏁 Final Takeaway from Vizzve
Sanction is just the green light—you still need to walk the rest of the path.
But with Vizzve, it’s fast, transparent, and paperless.
No hidden steps. No long waits. Just smart lending.
Vizzve Finance – Lending That Actually Works for You.
Published on : 12th July
Published by : SMITA
www.vizzve.com || www.vizzveservices.com
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🛡 Powered by Vizzve Financial
RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed.