Winsen One · Artifact
Approved · ART-2026-0611

Portfolio review · June 2026

Retail home loan portfolio, June disbursal and backlog cohorts. Every file screened against policy, sanction conditions and document integrity checks. Findings below are page-cited.

Prepared by Vera Credit File Review
Approved by R. Mehta Senior Credit Officer SIGNED · 02 JUL 2026
Files reviewed
2,847
all in-scope files · memo M-2280
Coverage
100%
every file, every page. No sampling.
Findings raised
41
▾ 9 vs May · memo M-2282
Confirmed on review
28
13 under review or escalated
Findings · by type
Where the 41 findings sit
Counts for June 2026. Each bar cites its memo in the table below.
Confirmed Under review
FOIR breaches 12
Missing deviation approvals 9
Income mismatches 8
Document gaps 7
Tampering signals 5
28 confirmed · 13 under review · totals reconcile to the 41 above
Trend · Jan to Jun 2026
Findings per 1,000 files
Six months of full-coverage review. Corrections feed next month's queue.
14.4 ▾ 38% since January per 1,000 files
0 10 20 23.1 14.4 Jan · 23.1 per 1,000 files Feb · 21.4 per 1,000 files Mar · 19.8 per 1,000 files Apr · 17.2 per 1,000 files May · 15.9 per 1,000 files Jun · 14.4 per 1,000 files JAN FEB MAR APR MAY JUN
Sanctions · alerts
Screening, June cycle
2,847
parties screened
63
alerts raised
58
dispositioned · memo M-2320
5
escalated with case files
All 63 alerts closed within the cycle. The 5 escalations carry full case files, CF-1181 to CF-1185, each with the match rationale and the screening list version pinned. Nothing was closed without a written disposition.
Findings · detail
Top findings, page-cited
Six of 41. The full register sits behind this artifact, one memo per finding.
File Type Severity Evidence Status
HL-20417 FOIR breach HIGH FOIR computes to 61.4% against a 55% policy cap, using salary credits from the bank statement, p. 14. · memo M-2287 Confirmed
HL-19882 Missing deviation approval HIGH LTV sanctioned at 88%, above the 85% grid, with no deviation memo on file. Sanction letter, p. 2. · memo M-2291 Confirmed
HL-20126 Tampering signal CRITICAL Font and kerning shift in the net-pay row of the salary slip, p. 1. Original requested from the branch. · memo M-2310 Escalated
HL-21034 Income mismatch MEDIUM Declared income ₹14.2L against ₹9.4L in the ITR, p. 3 and application, p. 6. · memo M-2303 Confirmed
HL-20988 FOIR breach MEDIUM Obligations understated. A running NBFC EMI is visible in the bank statement, p. 9 but absent from the application. · memo M-2314 Confirmed
HL-19754 Document gap MEDIUM Property insurance not on file post-disbursal. Checklist item 11, borrower notified. · memo M-2296 Under review