Annexure IV:

SOP to be followed by Branches/RAHs/ROs/COs in LAPS for processing proposals received

under Jansamarth Portal.

STANDARD OPERATING PROCEDURE (SOP)

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LAPS Section| Technology Operations Wing | HO (Annex) | Naveen Complex | #14 | M.G. Road | Bengaluru - 01
 [LAPS SOP DOCUMENT] Canara Bank

Credit Linked Government Schemes available in National Portal

•MUDRA •AMI •NRLM

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•SRMS •AFI •NULM
•WEAVERS MUDRA •ACABC
•Stand Up India

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Business Agriculture Livelihood
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•CSIS •PMAY
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•ACSISOBCEBC
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•Padho Pardesh

Education Housing
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| SOP – National Portal

 [LAPS SOP DOCUMENT] Canara Bank

Process Flow
National Portal LAPS CBS

Customer Applies Application

for Loan Lands in LAPS

Verify
Application

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Create
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Existing No Customer ID in
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Customer? CBS
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Yes
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Process
Application
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Sanction /
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Handoff
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Sanction Details
Updated in Update Sanction Disbursement
National Portal Details in CBS
on Real time

Disbursement
Update
Details Updated in
Disbursement
National Portal on
Details
Real time
| SOP – National Portal
 [LAPS SOP DOCUMENT] Canara Bank

National Portal
For Credit Linked Government Schemes in LAPS
1. In National Portal, the customers apply for loan and once application is referred to Canara bank,
LAPS scheduler will push the data to RO/RAH/Branch.
2. All application corresponding to Branches/ RO /RAHs will be viewed under their corresponding
LAPS login for viewing of application.

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Figure 1.1 – LAPS Home Screen

3. National Portal Link is available already in LAPS Home Page (Figure 1.1). On clicking the link a
separate screen gets opened. Users has to select the Segment from Dropdown to view the
applications
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4. User can view the application details by Clicking on Corresponding Application Reference ID
of National Portal (Figure 1.2).
5. Data provided by applicant is categorised into different Tabs. User has to navigate each tab
to verify details submitted by Borrower in National portal.
6. Option to View / download the documents uploaded by the applicant is also provided

| SOP – National Portal

 [LAPS SOP DOCUMENT] Canara Bank

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Figure 1.2 – National Portal & Applicant Details Screen

Education loans Process Flow

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7. On receiving the application from National Portal, RAHs has to link the Customer ID to the
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application.
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8. Option will be provided to update the Customer Profile If the Customer Profile Status is not in
“Completed” Status.
9. After linking customer ID, the application will be listed under National Portal inbox available
at LAPS Home Screen.

| SOP – National Portal

 [LAPS SOP DOCUMENT] Canara Bank

10. Users shall create new application by clicking on Create App option against the applicable
reference ID. New Application screen of the corresponding module opens up for data entry
and further processing of application.

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11. Create App option will be enabled for RAH users (for Edu schemes). System will not allow
branch users to use this Create App option.
12. Users shall complete the data entry and send the application for Sanction as is being done for
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any other regular applications in LAPS.

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13. Once the loan is sanctioned in workflow, loan details like Amount, Interest Rate, Term etc. will
be updated to national portal on real time basis.
14. Users shall update the Disbursement details after loan is disbursed in the CBS. The
disbursement details to be updated on each subsequent disbursement.
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| SOP – National Portal

 [LAPS SOP DOCUMENT] Canara Bank

Agriculture & Livelihood loans Process Flow

1. On receiving the application from National Portal, Branches/ROs has to link the Customer ID to the
application.

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2. Option will be provided to update the Customer Profile If the Customer Profile Status is not in
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“Completed” Status.
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3. After linking customer ID, the application will be listed under National Portal inbox available at
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LAPS Home Screen.

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4. Users shall create new application by clicking on Create App option against the applicable
reference ID. New Application screen of the corresponding module opens up for data entry and
further processing of application.
5. Create App option will be enabled for RO/Branch users (for Agri schemes).
6. Regional offices shall initiate the Create App option for Aggregate Limit up to 10,00,000/- for Agri
schemes as per guidelines.
7. Branches shall initiate the Create App option for Aggregate Limit above 10,00,000/- for Agri
schemes and send to RO for Sanction as per guidelines.
8. Users shall complete the data entry and send the application for Sanction as is being done for
any other regular applications in LAPS.
| SOP – National Portal
 [LAPS SOP DOCUMENT] Canara Bank

9. Once the loan is sanctioned in workflow, loan details like Amount, Interest Rate, Term etc. will be
updated to national portal on real time basis.
10. Users shall update the Disbursement details after loan is disbursed in the CBS. The disbursement
details to be updated on each subsequent disbursement.

Process Flow for PMAY Schemes

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1. For PMAY applications, users can create new application in the National Portal Applications
screen itself by clicking on the Create App option provided against each application.

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2. Create App option will be enabled for RAH users (for PMAY schemes). System will not allow
branch users to use this Create App option.
3. On clicking Create App option the Borrower Profile page of the Housing Loan Module shall be
opened for further loan processing.
4. Users has to complete the data entry and send the application for Sanction as is being done for
any other regular applications in LAPS.
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5. There is an existing provision for RAH users in Housing Loan module to select the DP Code before
Opening Loan account in CBS which shall be used for opening the loan account in Respective
Branches.
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| SOP – National Portal

 [LAPS SOP DOCUMENT] Canara Bank

Process Flow for Business Loan Schemes

1. For Business Loan applications, users can create new application in the National Portal
Applications screen itself by clicking on the Create App option provided against each application.

2. Create App option will be enabled for RO/Branch users (for Business schemes).
3. Regional offices shall initiate the Create App option for Aggregate Limit up-to 10,00,000/- for
Business schemes as per guidelines.
4. Branches shall initiate the Create App option for Aggregate Limit above 10,00,000/- for Business

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schemes and send to RO for Sanction as per guidelines.
5. On clicking create app option the Borrower Profile page of the MSME Module shall be opened
for further loan processing.

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6. Users has to complete the data entry and send the application for Sanction as is being done for

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any other regular applications in LAPS.
7. Following validations in MSME Loan Module shall be removed for National Portal applications.
a. Branches shall initiate the applications and MSME-Sulabh only shall process the
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applications for loans above 10 lakhs. i.e. There will be no role for MSME Sulabh in
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processing / sanctioning applications received through National Portal.

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Updating Disbursement Details

Disbursement Details to be updated under National Portal tab of LAPS after each disbursement in CBS.
An option will be provided against the application to update the same. Maker has to update the details
and Branch head has to authorize the entry. After authorization, the data is updated to National Portal by
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the System on real time basis.

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| SOP – National Portal

 [LAPS SOP DOCUMENT] Canara Bank

Process flow for Rejection of Application

Rejecting Application:
1. Based on the details provided by the customer, if the application is not eligible for sanctioning
loan, option will be provided for rejecting the same.
2. The Rejection marking to be done by the maker and same has to be authorized.

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3. Rejection shall be initiated by any officer in Branch/RO template in LAPS.
4. Currently, all the templates of Regional office are for enabled for authorising the Rejection of
proposal. w.e.f 25.02.2022, following templates will be enabled authorisation of Rejections.
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a. AGM-RO-CAC-Convenor (This template will be enabled only for Education Loan & PMAY
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Schemes and will not be enabled for Other schemes of National portal)
b. DGM-RO-CAC-Convenor
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c. DGM-CO-CAC-Convenor
d. GM-CO-CAC-Convenor
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5. After taking necessary permissions from concerned authorities, Users with above templates shall
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authorise the rejections in LAPS.

6. The Rejection status will be pushed to the National Portal automatically.
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| SOP – National Portal