Lakshmi Devi G.

Gudupalle · Dairy producer · New to credit · 3 crossbred cows

Requested facility

₹1.60 lakh

KCC-AH working capital + equipment

Alternate evidence register

Source records support review; they do not replace KYC, eligibility or credit appraisal.

Milk-society pouring record

MILK-GDP-188-26

26 months

Retrieved

Society payment ledger

PAY-GDP-188-26

26 months

Retrieved with mismatch

Veterinary vaccination record

AH-GDP-7702

3 cattle

Matched

PM-KISAN beneficiary record

PMK-AP-90118

FY 2025-26

Matched

Bureau report

CIC-NTC-110826

No file

New to credit

Evidence mismatch

May 2025 and May 2026 settlements are partial

The pouring record shows deliveries for both months, while the society payment ledger records partial settlement. The difference is retained as an application exception for officer review.

Pouring record

Deliveries present

Payment ledger

Partial settlement

Required before decision: society confirmation and borrower explanation.

Proposed milk-cycle repayment schedule

Collections follow observed society settlement capacity instead of a flat monthly instalment.

Cycle	Observed pattern	Indicative monthly milk receipts	Proposed collection
Jun–Oct	High output	₹9,600	₹4,000 monthly collection
Nov–Feb	Seasonal trough	₹7,500	₹2,500 monthly collection
Mar–May	Recovery	₹8,800	₹3,500 monthly collection
Annual clean-up	Society bonus / surplus	Variable	₹12,000 principal reduction

Indicative schedule for appraisal. Final amount, tenor and repayment terms require bank approval and borrower acceptance.

Product reference

Convert reviewed lead to an application

Creates a KCC-AH application with evidence lineage and the two settlement mismatches attached. No sanction or eligibility outcome is created.