Clean: disbursal held — three discrepancies caught and escalated (call 1 of 2)

The pre-disbursal call working exactly as designed. Reading the sanction letter aloud surfaced a 1-lakh gap between what the customer was told and what was sanctioned; the insurance question surfaced a 21,000 rupee premium ticked by someone else; the third-party payment question surfaced 15,000 in cash taken by the sourcing agent as "file charges". The officer held the disbursal on the call, summarised all three back, issued a reference number, and separately flagged that documents had been collected on the agent’s personal WhatsApp. No money moved on a file that was wrong in three places.

“Sanctioned Rs 6,50,000 (customer was told Rs 7,50,000 by the DSA) · 15.25% p.a. reducing · 48 months · EMI Rs 18,236 · processing fee 2% + GST = Rs 15,340 · insurance Rs 21,400 found ticked on the application · net disbursal would have been Rs 6,13,260 · customer had additionally paid Rs 15,000 cash to the sourcing agent · disbursal held, escalation ref ESC-2026-09-4471”