We reconcile the two loan systems and the escrow account each day, and flag the breaks for the finance team.
From 1 January 2026, co-lending partners book their share of a loan within 15 days and keep borrower classification in sync. In practice that is a daily reconciliation between two loan systems and an escrow account, done by hand in spreadsheets.
We pull the records from both systems and the escrow account, match them loan by loan, and flag the breaks and classification mismatches. Each run keeps a full audit trail.
A daily reconciliation that keeps pace with the 15-day rule, with the breaks listed for the finance team to clear and a record of every match for audit.
RBI co-lending rules, effective 1 January 2026.