Toolyt

Lending

PDDPost-Disbursement Document

A PDD is a document the borrower still owes after the loan has been disbursed - for example a registered sale deed, insurance copy, or a signed acknowledgement. Lenders track PDDs with an owner and an ageing clock.

Pending PDDs are an audit finding waiting to happen and can weaken recovery if security documentation is incomplete.

Good practice is to treat each PDD as a live obligation inside the origination system, with escalation as it ages, rather than as a monthly exception report.

Full guide: Loan origination system guide

Related terms

LOSTAT

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What to read next after PDD

12 min guideLoan origination system guideA loan origination system (LOS) is the software that carries a loan application from sourcing to disbursement: lead capture, KYC and document colle...Read the guide 10 min guideLogin-to-disbursal TATLogin-to-disbursal TAT is the elapsed time from the moment a loan application is formally logged in the system to the moment funds leave the lender...Read the guide 8 min guideFOIR explained with worked examplesFOIR (fixed obligation to income ratio) is the share of a borrower's monthly income already committed to fixed obligations, including the EMI of th...Read the guide 30-min demoLending operations demoA working demo of Toolyt's lending workflow: stage-wise login-to-disbursal TAT, deviation routing, PDD tracking and field document capture, configu...Book a session 30-min demoPartner channel demoA demo of Toolyt's DSA and partner channel workflow: digital onboarding, activation tracking, per-partner file quality and login-to-sanction ratios...Book a session

Terms used on this page

TAT - Turnaround TimeLOS - Loan Origination SystemFOIR - Fixed Obligation to Income Ratioe-KYC - Electronic Know Your Customer

Want to see this running on your own data? Book the lending operations demo

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