Payment Allocation & Appropriation - LMS Admin Portal

Regular Profile

For installments 0 to 89 days overdue

Active

DPD Start (Days)

DPD End (Days)

Allocation Priority Order

Doubt Profile

For installments 90 to 449 days overdue

Active

DPD Start (Days)

DPD End (Days)

Allocation Priority Order

Recovery Profile

For installments 450+ days overdue or after write-off

Active

DPD Start (Days)

DPD End (Days)

Allocation Priority Order

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

DPD From	DPD To	Buckets	Risk Grade	IFRS 9 Stages - Non Performing	Regulatory Stages	Cure Criteria	Cure Period	Cure Into	Actions

Payment Input

Allocation Result

Enter payment details and click "Analyze Allocation" to see results

Regular Profile

Doubt Profile

Recovery Profile

1. Scope of Application

2. Phase I: Appropriation Logic (Sequencing)

3. Phase II: Allocation Logic (Component Splitting)

Payment Allocation History

Payment Allocation Analyzer

Payment Input

Allocation Result

Confirm