🏢 SAS Insurtech
Billing & Reports Management System
✨ Smart Dashboard Overview
📊 PIPELINE VALUE
₹0
0 Active Leads
⚠️ ACTIVE CLAIMS
0
₹0 Total
💰 CASH BALANCE
₹0
Current Balance
📈 THIS MONTH
₹0
0 Transactions
⚡ Today's Priorities
📅 TODAY'S ACTIVITY
0
Transactions Today
Total Premium
₹0
Commission: ₹0
Click to view
📊 Details
🏙️ Today's Business — Cluster Wise
⚠️ PENDING INVOICES
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Transactions without Invoice No
Total Amount
₹0
Oldest: -
Click to update
📝 Update
📋 PENDING COI
0
COI Not Received (TAT: 15 days)
Overdue (>15 days)
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Max Pending: - days
Click to view
📝 Update COI
💰 OUTSTANDING PAYMENTS
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Banks with Unpaid Incentives
Total Outstanding
₹0
Pending Payments
Click to view
💳 Pay Now
🏙️ Total Business — Cluster Wise
🎯 SO Performance vs Target
Cluster Heads
Field SOs
📊 Business Analytics
📈 Business Trend (Last 6 Months)
👨💼 Top 5 SOs Performance
🏦 Bank-wise Distribution
📍 Area-wise Business
👔 SO (Sales Officer) Names Management
➕ Add New SO Name
Full name of the Sales Officer
📋 SO Names List
📝 Register New Claim
Fields match the Claim Report format (COMPANY · POLICY DATE · DEATH DATE · MASTER & POLICY NO · etc.)
or fill the form manually below
☠ Deceased Member Details
🏦 PKPS / Co-op Bank Details
📨 Broker / Insurer Notification
👤 Nominee Details (optional — click to expand)
🏢 Company Profile
📋 Complete Company Information
Manage your company details, GST, PAN, bank accounts, and address
🏢 Basic Information
📑 Tax & Compliance Details
🏦 Company Bank Account
📍 Registered Office Address
📞 Contact Information
📋 Policy Management
Policy Overview
Active Policies
0
Expiring Soon (30 days)
0
Expired
0
Total Premium
₹0
🔄 Renewal Management
Renewal Tracking
Due This Month
0
Overdue
0
Renewed This Month
0
Renewal Rate
0%
📅 Renewal Calendar
Bank/Society Configuration
📊 Banks Overview Dashboard
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Total Banks
Click to view all
📅
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This Month Added
Click to view details
⚠️
0
No Account Details
Click to view list
✅
0
Active Banks
Click to view list
❌
0
Inactive Banks
Click to view list
📤 Bulk Upload Banks/Societies
Upload multiple banks/societies at once using Excel or CSV file.
Downloads all existing banks. Edit and re-upload to update.
Select your filled Excel/CSV file to upload
Detects banks with similar names, same mobile, or same email. Lets you merge them safely (transactions and payment history are preserved).
📌 Instructions:
- Download the bank template
- Fill in all required columns (marked with *)
- Commission should be between 5-10%
- You can add multiple bank accounts per bank
- Upload the filled file
Add Single Bank/Society
10-character PAN (format: AAAAA9999A)
Bank Account Details for Incentive Transfer (REQUIRED)
⚠️ Required: At least one bank account is mandatory. Fill the 4 fields marked * and click "Add Account to List" before saving.
🔍 Filter Banks
| Bank/Society Name | Contact Person | Mobile | Commission % | Area | District | Actions |
|---|
📒 Company Bank Ledger
💼 Bank Account Management
Track all deposits and withdrawals from company bank account
💵 Record Deposit (Money In)
💸 Record Withdrawal (Money Out)
📋 Bank Ledger Entries
Business Transactions
📤 Bulk Upload Transactions
Upload multiple transactions at once using Excel or CSV file.
3 sheets: All data, Pending Invoices only, Instructions
Select your filled Excel/CSV file to upload
📌 Instructions:
- Download the template
- Fill in all required columns (marked with *)
- For SIP transactions: Enter loan amounts in lakhs (e.g., 1.2 for ₹1.2L)
- Bank names must match exactly with existing banks
- Upload the filled file
Add Single Transaction
Default 35%. Override if broker gives different rate (e.g. 21% when premium is ₹550/lakh)
Amount broker accepted (for valid members). Leave blank = full acceptance.
What happens to the un-accepted balance?
Credit applied from earlier balance
Total loan / sum insured against these members
Personal Accident cover — leave blank or 0 if not taken
Sales Heads → BELGAUM: Subhash | ROK: Gayathri | UDUPI: Sudhakar Nayak
Select cluster first to filter SOs
Unique transaction reference number
How premium was received from bank
Actual transaction processing date
Can be updated later (usually received after 7 days)
Date when invoice was issued (if available)
🔍 Filter Transactions
💡 How to Edit or Delete Transactions
👇
Look for the BIG PURPLE SCROLLBAR below the table!
Drag it to the RIGHT → to see Edit/Delete buttons
Drag it to the RIGHT → to see Edit/Delete buttons
- To Edit: Drag purple scrollbar RIGHT → Click "✏️ Edit" → Update fields above → Click "Add Transaction"
- To Delete: Drag purple scrollbar RIGHT → Click "🗑️ Delete" → Confirm
← Drag the PURPLE scrollbar below to see all columns →
| Date | Type | Bank | Total Premium | Net Premium (After GST) |
SAS Commission (35%) |
Bank Commission | Vendor Commission (50%) |
Total Numbers | Broker | Cluster | SO Name | Vendor | COI Status | Actions |
|---|
🏦 Bank Account Details Manager
💡 Manage Bank Account Details
View and update bank account details for incentive transfers. Click on any bank to add/edit account information.
💰 Cash Flow Management
💳 Current Cash Position
Bank Balance
₹0
Pending Liabilities
₹0
Real Available Cash
₹0
🏦 Update Bank Balance
📅 Future Payment Obligations
📊 Monthly Profit & Loss
🔮 3-Month Cash Flow Forecast
📞 CRM & Sales Management
🎯 Lead Management
Add New Lead
All Leads
👤 Borrowers/Members Database
Individual Member Management
Import bank data sheets, manage member details, link to transactions & claims
➕ Add New Borrower/Member
Staff Salary Management
Monthly Salary Processing with Receipt
| Name | Designation | Basic Salary | DA | TA | Other Allowances | Total Gross | PAN | Action |
|---|
📅 Staff Attendance Management
📋 Track Daily Attendance
Mark present, absent, leave, or half-day for each staff member
✅ Mark Today's Attendance
📊 Attendance Reports
Director/Partner Management
Bank Account Details for Salary Transfer
Monthly Salary Processing
| Name | Position | Monthly Salary | PAN | Mobile | Actions |
|---|
Expense Management
Which SO incurred this expense?
Which area/bank was this expense for?
Transaction reference number
| Date | Category | Description | Amount | GST | Total | Payment Mode | Action |
|---|
💸 Incentive Payouts & Receipts
Generate the bank bulk-batch payout file with ₹500 threshold and carry-forward, then issue receipts and running statements for any bank.
⚡ Quick Actions
Most common tasks at the top — full reports and per-bank ledger below.
💰 Bank Bulk-Batch Payout
Pick a month (use the date filters above the Reports tab if you want custom range). Threshold + carry-forward applied automatically.
📋 Per-Bank Statement & Receipts
Choose a bank to see its full ledger: every transaction accrual, every payment made, running balance. Export as PDF or Excel.
📊 Snapshot
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📊 Paid / Pending Dashboard
All bank groups (auto-grouped by Account Holder + Account Number). Click 📋 to view a group's ledger, 💰 to record a payment.
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📚 Group Ledger (across all branches)
Pick a group to see all its branches' accruals and payments consolidated in one ledger.
Vendor Management
Bank Account Details for Payment Transfer
Note: Vendor payments are automatically calculated as 50% of commission after deducting bank incentives for vendor-sourced business.
| Vendor Name | Contact | PAN | Total Business | Pending Payment | Actions |
|---|
Reports & Analytics
🎯 Smart Filters
💰
SAS Profitability Statement
Complete P&L + final net profit. Most important for management decisions.
📥
Transaction Report (Excel)
Download complete transaction data for selected date range as Excel.
🏦
Business Intelligence
Bank-wise commission, profit, loss-ratio, risk & decision metrics.
💰 Financial Reports
SAS Commission
35% on net premium after GST
Cluster-wise Business (Period)
BELGAUM / ROK / UDUPI totals + all transactions for the date range
Commission & Settlement
Commission + incentive %, invoice & COI status
GST Report
18% GST collected & payable
TDS Report
194H 5% on commissions >₹30k
Expenses
All operational expenses
Category-wise Expenses
Breakdown by expense category
Monthly Overheads
Salary + expenses combined
Expense Efficiency
Cost-to-revenue ratio analysis
Broker Credit Summary
Per-bank held/adjusted balance
🏦 Bank & Incentive Reports
Bank Incentives
Per-bank commission earned
Incentive Transfer
Per-bank transfer details
Bank Bulk-Batch Payout
₹500 threshold + carry-forward
Bank Incentive Statement
Per-bank ledger + receipts
Bank-wise Report
Business per bank
Bank Ranking
Top performers by metric
Commission Payout Status
Paid / pending tracker
Bank Monthly Timeline
Month-by-month per bank
All Banks Timeline (Excel)
Export full timeline
Monthly Matrix (Excel)
Premium & members per month
👥 People & Performance
SO-wise Business
Sales by each SO
Sales Performance
Dashboard for sales team
SO Business vs Expenses
SO-wise net margin
Staff Salary
Employee salaries
Director Salary
Director compensation
Attendance
Staff attendance log
Broker-wise Commission
Summary — totals per broker
Broker-wise Detailed
Every transaction grouped by broker
Broker Performance
Compare broker effectiveness
Vendor Payments
Payments to vendors
Vendor Transfer
Transfer details
📍 Geographic & Growth
Area-wise
Business by area
District-wise
Business by district
Area Performance
Top-performing areas
District Analysis
Deep-dive by district
New Banks (Daily)
Daily onboarding tracker
New Banks (Monthly)
Monthly onboarding
New vs Existing
Performance comparison
Growth Trends
Period-over-period analysis
Revenue vs Target
Monthly target tracking
Customer Retention
Renewal analysis
⚠️ Compliance & Alerts
Invoice vs Payment Gap
Day-gap analysis
Missing COI Policies
Pending COI alerts
COI Turnaround
Time-to-issue analysis
Debug Incentives
Diagnostic tool
💾 Backup & Restore Data
📌 Important: Always backup your data before updating the application or clearing browser data!
Total Banks
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Total Transactions
0
Total Staff
0
Total Expenses
0
📥 Download Backup
Download all your data as a JSON file. Save this file in a safe location.
File name: SAS_Insurtech_Backup_[Date].json
📤 Restore from Backup
Upload a previously saved backup file to restore all your data.
⚠️ Warning: This will replace all current data!
💡 Best Practices:
- Take regular backups (weekly or monthly)
- Store backup files in multiple locations (computer, cloud, USB drive)
- Always backup before updating the application
- Test restore on a copy first if dealing with critical data
- Keep at least 3 recent backup files
🗑️ Clear All Data (Danger Zone)
⚠️ WARNING: This will permanently delete ALL data from the application!
👥 User Management
➕ Add New User
Unique username for login
Minimum 6 characters
Manager = Full rights, Admin = + Audit Logs
📋 Users List
📝 Audit Logs
⚠️ Admin Only: This section shows all system activity for compliance and security monitoring.