Telodial: CRM for Loan DSA Teams, From First Call to Disbursal
A CRM for loan DSA work is a calling and file-tracking tool that keeps each applicant's loan stage, pending documents and callback time on one record. Telodial runs it on every agent's phone and rings each callback at the hour the applicant chose.
Bank lists, portal enquiries and ad leads get one owner, and the applicant who said to ring after payday hears from you that day, not three weeks later.
- File stage and missing documents on screen
- Callbacks at the hour applicants chose
- Pickup visits tracked while punched in
Updated · First published
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What is a CRM for loan DSA teams?
A CRM for loan DSA teams is software that tracks each applicant from first call to disbursal, with file stage, missing documents and next callback.
Telodial keeps that file on the agent's phone and sends the document checklist on WhatsApp when the stage changes.
A direct selling agent, or DSA, competes on two things: calling at the hour the applicant chose, and having the right document ready when the file moves. Telodial is a CRM for loan DSA offices of two to fifty agents, running on Android and iPhone. Each applicant's record carries the loan type, the stage you named (Eligibility checked, Logged in, Sanctioned, Disbursed), the pending documents in a custom field and the last remark, all showing on the call screen. A callback goes off like an alarm at the hour agreed and stays on the list until someone ticks it off. Moving a file to Documents pending can send a WhatsApp that lists what is missing. Bank lists import from Excel without duplicate numbers, and the auto dialer works them from the agent's own SIM, redialling no-answers. Every agent login is ₹176 a month if the office commits for a year (roughly $31 per agent yearly), a figure checked in October 2026.
- Your own stages, from Eligibility checked to Disbursed
- Callbacks ring at the agreed hour
- Files transfer to a colleague with full history
CRM for loan DSA benefits
- Callbacks at the agreed hour An applicant who said "after payday" is rung that day, before another agent collects the documents.
- Pending documents in view The missing salary slip or bank statement shows before the agent dials.
- Bank lists finished, not skimmed Every name on an imported list ends with an outcome, and no-answers are redialled.
- Clean file handover A transferred file keeps its stage, remarks and call history.
- Pickup visits recorded Field agents punch in with a selfie, and their stops and kilometres show on the web route map.
Why loan files go to other agents
The agreed hour passes
An applicant who said to call after four is rung at eleven the next morning, by which time another agent has collected the documents.
One missing slip stalls the file
A single absent salary slip holds a file for two weeks because nobody was reminded to ask for it again.
Files live in one agent's head
When an agent is on leave, nobody else can pick up the file, because the stage and the objection were never written down anywhere.
Bank lists get skimmed
A hundred names from the bank get thirty half-hearted calls and then die, with no record of which thirty were tried.
A DSA office day, call by call
| Moment | What the team does | What Telodial does |
|---|---|---|
| A bank or portal list arrives | Splits the names between agents | Imports the Excel file, drops repeated numbers and assigns names to each agent's queue |
| The eligibility call | Asks income, existing EMIs and the amount needed | Opens the applicant record and saves the answers as custom fields |
| Documents pending | Asks for salary slips, bank statement and KYC | Sends the checklist on WhatsApp when the stage changes |
| "Call after salary credit" | Agrees a date and an hour | Rings at that hour with the last note on screen |
| Document pickup | A field agent visits the applicant | Records the route and stops while the agent is punched in |
| An agent goes on leave | Hands open files to a colleague | Transfers leads with the transfer history kept |
| A file is rejected | Records the reason | Keeps the file on the lost list with a dated follow-up for a later retry |
Read from the Telodial feature list of 14 October 2026. Nothing here connects to bank login portals.
How a CRM for loan DSA moves a file from lead to disbursal
- 1
Leads arrive already assigned
Portal enquiries and ad leads from a live sheet or webhook are dealt round robin, and a bank's Excel list is imported and split across agents, so the first call happens while the borrower is still filling in forms elsewhere.
- 2
Stage and documents live on the file
Which papers are pending and what the applicant's hesitation was, saved during the call rather than reconstructed from memory at night.
- 3
The callback rings at the right hour
After payday, after the weekend, after the co-applicant is free: the reminder rings then, with the note attached.
- 4
Document nudges send themselves
Moving a file to Documents pending can trigger the WhatsApp that asks for exactly what is missing, in the words you wrote once.
Loan file stages
WhatsApp messages for pending documents
Replace what is inside the [brackets], save each one as a template, and attach it to a status so it sends itself.
Documents pending
[name], to move your [loan type] application forward I need [documents]. You can send photos on this chat itself. Once received I will log it in the same day.
After the eligibility check
[name], based on what you shared you look eligible for about [amount] at [rate] for [tenure], subject to the lender's approval. Shall I start the application? I will need [documents] to begin.
Example: a 500-name bank list in Ahmedabad
Take Kiran, who runs a home and personal loan DSA office in Ahmedabad with three agents. A partner bank sends a list of 500 pre-screened names at the start of the month.
Imported from Excel and split three ways, each agent gets about 170 names. At an estimated 60 to 80 dialled calls a day, the list is fully attempted inside the first week, with auto redial catching people who missed the first ring and every number carrying an outcome.
Say 40 applicants reach Documents pending. Each gets the WhatsApp checklist when the stage changes and a reminder that repeats every three days until the papers arrive. Kiran filters Documents pending every Friday and sees, file by file, which single paper is holding each one up.
A worked illustration with round numbers, not a customer record.
What a lender needs instead
A bank or NBFC needs a loan origination system with credit bureau checks, underwriting and disbursal accounting; Telodial is none of those. It does not connect to bank partner portals, so files are still logged in on the lender's side by hand. And a mortgage or loan broker outside India who must keep recorded advice calls should know the audio comes from the phone's own recorder, which Telodial only collects.
CRM for loan DSA FAQ
Which is the best CRM for loan DSA offices in India?
For a DSA office of two to fifty agents calling applicants from their own phones, the best CRM for loan DSA work is Telodial, since stages, missing papers, callbacks and dialling share a single app. A lender that needs credit checks and loan origination should look at lending software.
Is Telodial a DSA CRM or a dialer?
Telodial is a CRM for loan DSA teams and other phone-first sellers with a dialer built in: it rings callbacks at the hour an applicant chose, dials bank lists from the agent's own SIM and saves the file stage in two taps after each call.
How much does a CRM for loan DSA cost with Telodial?
A solo DSA can try a full quarter on the 3-month plan at ₹891 (₹297 a month), or pay ₹2,112 a year, which works out at ₹176 a month ($31 a year). A three-agent office on yearly billing pays ₹6,336 ($93). Taxes are extra.
Can I track pending documents per applicant?
Yes, as a custom field or in the remark on the record, so the missing papers are visible before you dial rather than pieced together during the call.
Can I call bank-provided lead lists?
Yes. Import the Excel file and the auto dialer works through it from your own SIM, saving an outcome per call and redialling no-answers up to three times, so you can tell afterwards which names were reached and which were never tried.
Can a colleague take over my files while I am on leave?
Yes. Transfer the lead and it moves with its stage, remarks, call history and the transfer record, so the colleague continues the file instead of restarting it.
Is calling loan leads from a personal SIM allowed?
Within limits. Under TRAI's commercial communication rules (TCCCPR, with the amendment of 18 September 2026), a written or digital loan enquiry covers follow-up calls about that request for 7 days, and auto-dialled calls are treated as A2P traffic, which has to be declared to your telecom operator beforehand. Keep to fresh enquiries, honour anyone who asks not to be called, and confirm your registration with your operator. Outside India, check your own country's rules. General information, not legal advice.
What is a DSA login, and does Telodial replace it?
A DSA login is the partner portal a bank or NBFC gives its agents for submitting files. Telodial does not replace or connect to it: the file is still logged in on the lender's portal, while Telodial handles the calls, documents and follow-ups around it.
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Why loan enquiries go cold within hours
Where does a DSA lose the most money?
An enquiry arrives and is called the next day.
Ring within the hour. A person looking for money is looking today, and filling in several forms at once. The first agent to call tends to collect the documents; the fourth hears that the file is already in process elsewhere.
Documents are pending and nobody chases.
Put a repeating follow-up on the file. Most stalled files are not rejected, they are waiting for one page. A nudge every few days that names the missing item costs a minute and keeps the file alive.
Rejected files are forgotten.
Keep them, with the reason. A rejection over income proof or a credit score is often about timing. Months later the same borrower may qualify, and an agent holding the old notes can ring with a genuine reason.
What do DSAs search about loans, leads and CRMs?
What is DSA in loan?
A DSA, or direct selling agent, is a person or firm that finds borrowers for banks and NBFCs, helps them apply and collects their documents, and earns a commission from the lender on loans that are disbursed. The job is almost entirely calling and paperwork, which is why a DSA needs a CRM built around both.
Is there loan DSA CRM software that works on a mobile phone?
Yes. Telodial runs on the Android phones and iPhones agents already carry, calls from their own SIM and keeps each applicant's stage and missing papers on the record, while the owner reads the pipeline in a web dashboard. It does not log files into bank portals; that still happens on the lender's side.
What should a telecalling script for a personal loan include?
Confirm the enquiry, ask the three questions that decide most files (monthly income, existing EMIs, employer type), list the documents needed in one sentence, and fix a time for the next call. Never present a sanction as certain before the lender has decided.
How do I track which stage each file is at?
Name your own stages rather than living with generic ones, then filter by stage. One person can clear every Documents pending file in a sitting, and the owner can count what is Logged in against what is Sanctioned without asking anyone for a status sheet.
Give the team a phone that keeps the record
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