> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.credit.aarthiklabs.com/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.credit.aarthiklabs.com/_mcp/server.

# Post-Disbursal Servicing

> Help borrowers continue their credit journey after disbursal with built-in IGM and collection flows.

Post-disbursal servicing is part of the Aarthik Labs credit journey. Borrowers do not need to leave the platform experience after disbursal to ask for help, raise a grievance, foreclose a loan, make a pre-part payment, or clear a missed EMI.

For Hosted Experience integrations, these modules are available inside the Aarthik-managed borrower surface. Your app should provide a clear way for borrowers to return to the Hosted Experience or loan details surface after disbursal.

For Hybrid Experience integrations, the same modules run inside the hosted handoff experience. Your back-end may orchestrate journey creation and offer selection, but post-disbursal servicing is still handled in the Aarthik-hosted borrower surface.

## What Is Included

| Module                          | What it helps with                                                                   | Availability                                                                                                                                   |
| ------------------------------- | ------------------------------------------------------------------------------------ | ---------------------------------------------------------------------------------------------------------------------------------------------- |
| Issues & Grievances Management  | Borrower issues, complaints, grievances, support tracking, and resolution lifecycle. | Personal Loan and Gold Loan, across online and offline journeys.                                                                               |
| Collections & Repayment Actions | Borrower-initiated repayment actions after disbursal.                                | Personal Loan and Gold Loan online journeys, including single-redirection and multiple-redirection journeys. Availability is lender-dependent. |

## Why This Matters

Most credit journeys focus heavily on application, offer selection, KYC, e-mandate, e-sign, and disbursal. Borrowers still need help after that point. They may have questions about their loan, need to raise an issue, want to repay early, or need to clear an overdue installment.

Aarthik Labs keeps these post-disbursal actions inside the same journey layer so your product can offer a more complete credit experience without rebuilding each lender-specific servicing flow from scratch.

## Servicing Flow

```mermaid
flowchart TD
  A["Borrower completes disbursal"] --> B["Borrower opens Hosted Experience or loan details"]
  B --> C{"What does the borrower need?"}
  C --> D["Raise an issue or grievance"]
  C --> E["Foreclose the loan"]
  C --> F["Make a pre-part payment"]
  C --> G["Clear a missed EMI"]
  D --> H["IGM lifecycle tracks processing, resolution, and closure"]
  E --> I["Collections flow creates lender-dependent payment action"]
  F --> I
  G --> I
  I --> J["Payment status and loan servicing state are updated"]
```

## How Customers Should Think About It

Post-disbursal servicing should be treated as a first-class part of the credit journey, not a separate support fallback.

Your app should:

* give borrowers a clear path back to their active loans
* open the Hosted Experience when the borrower needs servicing actions
* keep back-end API keys private
* avoid rebuilding lender-specific support or repayment logic unless your integration scope explicitly requires it
* route borrower support teams to the issue or journey context instead of asking borrowers to repeat details

## Modules

* [Issues & Grievances Management](/documentation/hosted-experience/post-disbursal-servicing/issues-grievances-management) explains how borrowers raise issues and how statuses such as `PROCESSING`, `RESOLVED`, and `CLOSED` should be understood.
* [Collections & Repayment Actions](/documentation/hosted-experience/post-disbursal-servicing/collections-repayment-actions) explains foreclosure, pre-part payment, and missed EMI payment flows.