RM Calculator

Sigmative LLC

About this app

RM Calculator is a credit workbench for bank relationship managers (RMs) and credit officers who handle SME and small business loans. Assess a customer's repayment capacity, price the facility, record field visits, keep an eye on your portfolio and share the reports your branch needs, all from your phone.

Credit assessment
• Enter the customer's cash flow, expenses and existing debt. The verdict updates as you type.
• Get DSCR, DBR, maximum EMI capacity and an indicative loan size, checked against policy limits.
• What-if: change the amount, tenure or rate, or apply a sales shock, and see how the verdict moves before you touch the file.

EMI tools
• EMI calculator: monthly instalment, total interest, total payable and the principal/interest split.
• Solve for: enter any three of amount, rate, tenure and instalment to get the fourth.

Clients and field visits
• Onboard a customer once: business, contact and compliance details (NID, TIN, BIN, trade licence, bank account) and a referee.
• Field visit checklist with an eight-point weighted confidence score.
• Add a location check-in and photos as visit evidence. Every visit is kept in the client's log.

Portfolio monitoring
• Dashboard with total outstanding, today's worklist and portfolio health.
• Record disbursement, outstanding, days past due and the last six months of sales.
• Early warning: every live account scored out of 100 from repayment, sales trend, CIB status and conduct, worst first.
• Renewal and top-up: a six-factor scorecard that shows the weight of each factor, so every decision can be explained.

Reports
• Seven reports as real PDFs: customer summary, credit analysis, field visit, portfolio, early warning, renewal and top-up.
• Share them from your phone. Your officer profile is printed on each report.

Made for everyday use
• English and বাংলা.
• Taka shown in lakh and crore. Amounts can also be written out in words, so a missing zero is easy to spot. Other currencies are supported too.
• Light and dark theme.

Your data
• Sign in with your work email.
• Client files are saved on your phone and synced to your account, so they follow you to a new phone.
• Assessments and calculators keep working offline in the field.
• No ads.

Please note
RM Calculator is a work tool for bank and financial institution staff. It does not offer loans, take payments or connect anyone with a lender. Results are indicative and do not replace your institution's credit policy or approval process.

What’s new

• Bug fixes and performance improvements.