The plot-file payment engine: schedules, reminders, recovery, transfers.

Down payment, confirmation, allocation, N periodic installments (monthly/quarterly/half-yearly), balloons on set months and a possession charge, defined per project and category.

Admin defines plan components per project and category: down payment %, confirmation, allocation, N periodic installments at a frequency, balloons on specific months, possession charge. The engine turns the template into a formula.

On booking the engine writes every installment row with due date, amount and type. The customer and the company see the same schedule.

From plan and booking date the system writes each installment row with due date, amount and type, placing balloons and possession at the right points.

Each payment posts to a specific installment. Balance, days overdue and 0–30 / 31–60 / 61–90 / 90+ buckets update live per file and portfolio-wide.

Each payment posts against a specific installment; paid amount, balance and days overdue update; aging buckets (0–30 / 31–60 / 61–90 / 90+) recompute per file and portfolio-wide.

Cash, cheque, bank or gateway. A receipt is generated on posting and sent to the customer on WhatsApp; the installment marks paid.

Manual entry (cash, cheque, bank) or online via gateway or pay link. On success a numbered receipt generates, the installment marks paid and the receipt goes to the customer on WhatsApp.

Flat or percentage per day or month, with a grace period. Overdue installments incur LPS consistently without anyone remembering to apply it.

A configurable rule (flat or % per day/month, grace period) applies LPS automatically to overdue installments and adds it to the balance.

Lump sums land on the right months; possession is blocked until balloons, possession charge and all dues are cleared.

The plan places balloons on defined months and a possession charge near completion. Possession is blocked until these and all dues are cleared.

Files past a set number of overdue installments are flagged. Transfers and possession are blocked until cleared; a cancellation path is available.

Rules flag files past X overdue installments or days. The flag blocks transfer and possession, surfaces the file on recovery lists and opens a cancellation path.

Monthly or on-demand recovery lists: plot, customer, dealer, amount due, phone. Assign to officers, log promise-to-pay, unreachable or paid, and measure recovery per officer.

A monthly or on-demand recovery list (plot, customer, dealer, amount due, phone) is generated and assigned to officers. Officers call or visit and log promise-to-pay, paid or unreachable with a follow-up date.

Before due date, on the day and after, with amount, due date and a pay link. Tone escalates with days overdue. Delivery status is recorded.

Scheduled WhatsApp/SMS templates before due, on due and after, containing amount, due date and a pay link; tone escalates with days overdue; delivery status recorded.

Plan, paid installments, penalties and balance as PDF or in the customer app. Fewer "how much have I paid?" calls, fewer disputes.

A statement (plan, paid installments, penalties, balance) generates as PDF or in the customer app and is shareable on WhatsApp.

Remaining schedule carries forward with balance, transfer fee applies, the Transfer Deed generates. Blocked if the file is a defaulter or has dues.

A transfer moves the file to a new owner: an atomic lock prevents simultaneous sale or transfer; dues and defaulter checks run; the remaining schedule carries forward with balance; the fee applies; the Transfer Deed generates.

Refundable amount computed per policy, approval routed, unit released to inventory and dealer commission clawed back in one workflow.

Cancellation computes the refundable amount per policy (deductions, penalties), routes approval, releases the unit to inventory and reverses dealer commission.