01BANK
Banking conduct
Review supported statement periods, balances, credits, obligations, bounces, and transaction patterns without turning missing fields into zero.
Local-first underwriting for India
Underwriting evidence,
reconciled before the credit call.
SanctionDesk turns bank, Income Tax, GST, bureau, financial, and borrower documents into one review-ready case—on your desktop, with missing evidence kept visible.
For DSAs, CAs, loan consultants, and credit teams. Never send borrower files through this public website.
SD
Case workspaceSynthetic product illustration
Local
Evidence before conclusion
SUPPORTIVE3 source-backed itemsOpen evidence to review
REVIEW2 cross-source checksPeriods need alignment
GAPS1 value unavailableNot treated as zero
EvidenceScopeStatus
Bank statementsObserved periodAvailable
GST turnoverPartial yearReview
Existing EMIBorrowerUnavailable
01Local-firstCore analysis runs on your computer.
02DeterministicRules and calculations you can review.
03Evidence-ledSource, period, and borrower remain visible.
04Review-readyOutputs support—not replace—credit judgement.
REAL PRODUCT · SYNTHETIC DEMONSTRATION DATA
See the workbench as your team will use it.
These are genuine captures from the installed SanctionDesk desktop application. The case shown is completely synthetic; no borrower or customer information appears in these images.
Every conclusion starts with evidence status.
Supportive points, review items, and information gaps stay separate—so incomplete evidence never looks favourable.
Period coverage before banking conclusions.
Required dates, received files, usable coverage, missing periods, and overlaps remain explicit.
Unavailable income is not treated as zero.
Parsed sources, system recommendations, DSA decisions, accepted income, and warnings remain reviewable.
Authentic SanctionDesk interface · Synthetic demonstration case · Click any image to inspect the full-resolution screen.
LIVE PRODUCT WALKTHROUGH
See how a case becomes review-ready.
A narrated walkthrough of the local case workspace, bank and tax evidence, review gaps, and lender-ready outputs. Every screen uses synthetic demonstration data.
ENGLISH VOICE-OVER · 53 SECONDSSYNTHETIC DATA ONLY
THE WORKBENCH
One case. Four evidence lanes.
SanctionDesk keeps each source distinct, then connects the evidence only where identity, period, and completeness support the comparison.
02TAX
Income Tax & GST
Keep year and period alignment visible across ITR, AIS/TIS, 26AS, GSTR-1, GSTR-2B, and GSTR-3B evidence.
03BUREAU
Bureau report review
Review a borrower-provided bureau report by separating the score, account history, current obligations, enquiries, and evidence gaps. Bureau integrations are being evaluated, subject to partner approval.
04FINANCIALS
Ratios & credit output
Calculate evidence-backed ratios, reconcile cross-source differences, and prepare banker-readable review outputs from one case workspace.
FROM REQUEST TO REVIEW
A clear case trail, end to end.
The workflow is built around accountable hand-offs: collect the right evidence, assign it to the right person, analyse it at the right grain, and keep the remaining gaps visible.
Ask once. Track what arrives.
Create a case, set the document request, and share a CreditLink for borrower-side collection. Where the recipient encryption key is active, the collected package is end-to-end encrypted for the DSA before relay transfer.
Keep every person and source in scope.
Separate primary borrower, co-borrower, guarantor, company, and case-level evidence before analysis.
Reconcile, don’t merely extract.
Compare bank, tax, GST, bureau, financial, and declared obligations at the period and borrower level.
Move from documents to a credit view.
Surface supportive evidence, adverse signals, information gaps, ratios, and outputs for professional judgement.
THE SANCTIONDESK RULE
Unavailable is not zero.
A missing EMI, an incomplete GST year, a score-only bureau report, or an undated bank period should never improve a case by accident. SanctionDesk preserves the difference between known, unknown, partial, and confirmed zero.
LOCAL-FIRST BY DESIGN
Your case workspace lives where the work happens.
Core underwriting data and analysis stay on the licensed computer. Internet-connected functions have a defined purpose, and encrypted CreditLink transfers remain separate from the public marketing website.
Read the privacy architectureLocal case databaseBorrower evidence and core analysis on your computer
LOCALEnd-to-end encrypted CreditLink packageRecipient-key encrypted transfer for the DSA, before relay hand-off
ENCRYPTEDPublic websiteProduct, demo, pricing, and support information only
NO CASE FILESFOUNDING LAUNCH OFFER
Professional underwriting support, priced for one desk.
SanctionDesk is built for independent DSAs and loan consultants who need a disciplined, local-first way to prepare a case before it reaches the lender.
The founding price is available to the first 100 paid users and is locked for their first 12 months from signup.
FOUNDING PRICE · FIRST 100 PAID USERS
ONE USER₹500
per month · plus applicable GST- One named user, with one active device at a time
- Core SanctionDesk case workflow and local analysis
- Windows app through the Microsoft Store
- Support during the active subscription term
- Move to a replacement device through support
Or ₹5,000 + GST per yearTwo months free at the founding price.
Bureau reports and other paid third-party services, if enabled, are billed separately and only where the relevant provider permits access.
Request a demoAfter the 12-month founding period, the standard price is ₹999 + GST/month or ₹9,990 + GST/year. Final terms are confirmed before activation.
WINDOWS APP
Install SanctionDesk from Microsoft Store.
The official Windows download is available through Microsoft Store. This keeps installation and updates in one familiar place for your desk.
Official Windows download routeYou will leave sanctiondesk.in and open the SanctionDesk listing in Microsoft Store.
WINDOWS 10/11 · 64-BIT
MICROSOFT STORESanctionDesk for Windows
Download and install from Microsoft Store
WHAT YOU NEED
Windows 10 or Windows 11 · An internet connection for installationYour subscription permits one named user with one active device at a time. Contact support when moving to a replacement device.
COMMON QUESTIONS
Know the boundary before the demo.
Is SanctionDesk a cloud loan-origination system?
No. SanctionDesk is a local-first desktop underwriting workbench. Core case analysis and the local case database run on the licensed computer. Internet-connected services are used only for defined functions such as licensing, updates, public-source checks, and encrypted CreditLink transfers.
Does the software approve or reject loans automatically?
SanctionDesk organises evidence, performs deterministic calculations, and supports credit review. Final lending decisions, policy interpretation, and professional judgement remain with the user and the lender.
What happens when a source value is missing?
It remains unavailable or is shown as an information gap. SanctionDesk is designed to keep a real zero separate from missing, partial, malformed, or unverified evidence.
Who is it designed for?
The workbench is designed for Indian DSAs, chartered accountants, loan consultants, and credit professionals who prepare or review MSME and business-loan cases.
FOUNDER · SANCTIONDESKBUILT BY A CREDIT PROFESSIONAL
CA Navdeep Saraogi
Founder, SanctionDesk
After experience with ICICI Bank, Citi, and IndusInd Bank, Navdeep stepped away from firm partnership to focus on building SanctionDesk: a more disciplined way for professionals to prepare a credit case before it reaches a lender.
SanctionDesk is operated by Saraogi & Saraogi, Chartered Accountants, Ahmedabad.
EARLY USER COMMUNITY
Built for professionals who prepare cases every day.
SanctionDesk is designed around the working reality of document collection, evidence review, lender expectations, and follow-up.
Manoharsingh Rawat
Unity Management Services
Chetan Nayak
SanctionDesk user
Gaurav Rathore
SanctionDesk user
REQUEST A DEMONSTRATION
See SanctionDesk on a synthetic case first.
Tell us about your practice and we will arrange a guided walkthrough. Please do not upload or send borrower documents, bureau reports, credentials, or other sensitive case data here.
READY TO SEE A REAL CASE FLOW?