Overview: Sanction Terms Analyzer
“A loan sanction letter isn’t just an offer. It’s a legally binding contract—and we decode it to your advantage.”
Every loan-whether from a bank or NBFC-comes with a detailed sanction letter outlining charges, conditions, limits, covenants, and commitments. These documents are often overlooked or misinterpreted. Bankkeeping’s Sanction Terms Analyzer helps businesses understand, track, and optimize every clause in their loan approval.
Ideal for any business with existing loans, planning new negotiations, or operating with multiple lenders.
Why This Tool Matters
“The real cost of borrowing is buried in the fine print. We bring it to light.”
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 Most SMEs never review the full implications of their sanction letters.
With this tool, you gain clarity, control, and confidence over your lending agreements. |
Core Modules
“One Analyzer. Multiple Insights.”
Single Bank / NBFC Sanction Review
“Decode what your lender expects- before they act on it.”
Upload and analyze any sanction letter (PDF/Scanned)
Extracts key terms: limit, rate, fees, security, covenants
Flags high-risk clauses (e.g., minimum utilization, penal clauses, call-in triggers)
Summarizes compliance obligations and renewal timelines
View it across the our portal for continuous information and up-dation
No need to go through the sanction letter line by line, everytime you need to check something
Must-have for any businesses enjoying limits from Banks / NBFCs specially for the ones preparing for renewal review. This tool can also be handy for the first time borrowers to deeply analyse the terms and conditions they are about to sign
Comparison Matrix
“Know your options before you negotiate.”
Create side-by-side comparisons of sanction terms
Benchmarks interest, fees, collateral cover, conditions
Generate a negotiation-ready report for lender discussions
Flags high-churn areas like annual review, interest reset, or additional security triggers
Essential during refinancing, balance transfers, or when scouting for new lenders.
Multi-Bank / NBFC Analysis
“Multiple lenders. One dashboard.”
Consolidates and compares sanction letters across institutions
Identifies overlapping, conflicting, or duplicate conditions
Tracks consolidated exposure and compliance load
Highlights mismatches in pricing, margins, or fee structures
Ideal for businesses operating with consortiums, co-lending, or multiple term loans
Covenant Tracker
“Track what you’ve agreed to-before the bank tracks you down.”
Monitors all performance, financial, and reporting covenants
Flags upcoming compliance deadlines
Auto-generates alerts for required submissions (e.g., stock statements, audited results)
Avoids penalties and negative reporting on account conduct
Prevents penal interest and penal charges, technical default, score downgrades, and non-renewal risks
Step 1
Upload your bank statement (PDF/CSV)
Step 2
Our system scans, categorizes, and extracts critical terms
Step 3
You receive an interactive compliance report—downloadable, shareable, and negotiation-ready
✅ Compatible with all major Indian banks and NBFC formats
How It Works
“Smarter loan management, proven results.”
Link for Case Study – Case Study highlighting identification and reversal of excess interest charged by the Bank
A sanction letter is a formal document issued by a bank outlining the terms and conditions under which a loan is granted. These includes details — such as interest rates, loan limits, repayment schedule, security, and covenants. A typical Sanction letter is anything between 25-30 Pages. It is an important document, as it outlines an entity’s rights and obligations, and determines it’s cost of borrowing. Even minor clauses can have major financial implications if not understood or monitored correctly.
Absolutely. Comparing sanction letters helps you evaluate which bank is offering better terms on different aspects like interest rates, fees, collateral conditions etc. At Bankkeeping, we decode and benchmark sanction letters side-by-side to help you make smarter borrowing decisions. This may be comparing sanction letter from different Banks or comparing sanction letter from same Bank for different years.
No problem. You can simply upload scanned copies or even simply take clear photos from mobile phones of the hard copy of your sanction letter. Our system is designed to process and extract key terms from both digital and scanned documents. If needed, our team manually assists in decoding and mapping all the terms for accurate analysis.
Yes. First, we analyse your loan terms and then we highlight gaps or inconsistencies—like excess interest, unfair charges, or tighter-than-required covenants. Our Product provides you with data-backed insights and draft letters that you can use to renegotiate with your banks. In many cases, we also assist during discussions or meetings, if required. Renegotiating with Banks during renewals is one of the core competency, here both the Product & Service Elements of Bankkeeping are used.