Regular Profile
For installments 0 to 89 days overdue
Doubt Profile
For installments 90 to 449 days overdue
Recovery Profile
For installments 450+ days overdue or after write-off
1. Scope of Application
SARIE Transactions
Follow automated Appropriation and Allocation logic
Card Transactions (Debit, Apple Pay, Google Pay)
Bypass automated "Oldest First" logic. Parked directly to selected loan
Overpayment Handling
Excess payments moved to Advance Payments Balance at customer level
2. Phase I: Appropriation Logic (Sequencing)
Sequential Fulfillment
System identifies the single oldest overdue bill that has not been written off
Exhaustive Application
Payments must be applied to this bill until the balance is zero
Waterfall Effect
Any remaining funds automatically flow to the next oldest bill
Immutability (The Golden Rule)
Once allocated to a component, the transaction is locked and cannot be moved
3. Phase II: Allocation Logic (Component Splitting)
Regular Profile (0-89 Days Overdue)
- Outstanding Charges
- Outstanding Fees
- Outstanding Profit
- Outstanding Principal
Doubt Profile (90-449 Days Overdue)
- Outstanding Principal
- Outstanding Charges
- Outstanding Fees
- Outstanding Profit
Recovery Profile (450+ Days / After Write-Off)
- Outstanding Principal
- Outstanding Charges
- Outstanding Fees
- Outstanding Profit
Payment Allocation History
View how payments were allocated to installments and components
| DPD From | DPD To | Buckets | Risk Grade | IFRS 9 Stages - Non Performing | Regulatory Stages | Cure Criteria | Cure Period | Cure Into | Actions |
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Payment Allocation Analyzer
Simulate how a payment would be allocated based on current configuration
Payment Input
Allocation Result
Enter payment details and click "Analyze Allocation" to see results