Pre-Disbursement Audit Framework

VIGIL POOL

Six Intelligent Layers. One Investment Decision.

Independent validation of DA & PTC pools across six critical dimensions of portfolio risk.

A Six-Layer Framework for Independent Pool Validation

A comprehensive, loan-level audit across asset quality, collateral integrity, borrower strength, regulatory compliance, enforceability, and concentration risk.

Next validation layer 02 / 06

Independent pool audit 01 / 06

What Every Layer Verifies

Each validation layer examines a critical aspect of pool quality, helping lenders identify hidden risks before capital is deployed.

Asset Quality Verification

Ensures reported asset performance reflects actual borrower behaviour.

Validation Checks

DPD Status Confirmation
Silent Restructuring Detection
OTR & Moratorium Identification
SMA Classification Verification

Property Quality Verification

Recovery depends on collateral. Validating key property and security details directly from source documents.

Property Type Confirmation

Title Clarity Verification

CERSAI Registration Verification

Valuation report and LTV Rechecking

Collateral Validated

Borrower Creditworthiness Verification

KYC Documentation completeness

Income Documentation Assessment

FOIR Exceeds Policy Limit

FOIR verification and Policy Breach Analysis

Bureau Score Threshold Compliance Review

Income and Expenses Derived Analysis

MHP and MRR Compliance

Originator-declared compliance, verified independently from each physical loan file.

Verify CERSAI Registration on file

Compute MHP Eligibility 3-mo6-mo

Exclude Non-Compliant Loans Excluded

Validate MRR Retention 10%

Pool Verified for MHP and MRR

SARFAESI and Security Document Verification

Verifying the legal foundation of every secured loan

Mortgage perfection checked
Document Custody Verified
SARFAESI Eligibility checked

Concentration and Exposure Checks

Same PAN

Same Address

Same Employer

Related Entity

See the risks individual loans can't reveal. By aggregating pool-wide exposures, Vigil Pool uncovers hidden concentration and correlated portfolio risks.

Who Vigil Pool Serves

Built for institutions acquiring loan portfolios.

Independent Pre-Acquisition Due Diligence
Risk Containment at Source
Confident Transaction Pricing
Regulatory & Audit Readiness
Stronger Originator Accountability

Banks

NBFCs

Mutual Funds

Alternate Investment Funds

Insurance Companies

Vigil Pool

Methodology

Physical File Examination

Direct review of original loan files to establish primary evidence.

Document Extraction & Cross-Referencing

Extracting key data points and validating them against source documents, regulatory records, and independent databases.

Amortisation Validation

Cross-checking repayment schedules against sanction terms and loan records.

Regulatory Benchmark Re-anchoring

Re-evaluation against actual regulatory reference points, not reported assumptions.

Multi-Dimensional Variance Analysis

Data analyzed across parameters to detect inconsistencies and hidden risk patterns.

Validate Before You Acquire.

See how Vigil Pool's six-layer audit framework surfaces the risks hidden beneath reported pool metrics — before capital is committed.