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CRM · Sub-product · 02 · Sales & Customer Care

Booking is page one.
The next 36 months are where loyalty is earned.

The post-booking journey is where most CRMs end and most relationships fray. Customers wait months for clarity on demand letters, payment receipts, bank loan formalities, construction milestones. Brokers chase you for ladder commissions. Cancellations turn into disputes. Farvision stitches all of it onto one record — owned by your customer care team, visible to your customer on a white-labelled app, posted to your finance ledger automatically.

§ 01
Pillars
Eight pillars · the post-booking surface

Where most CRMs stop.
Where the customer care team works.

Each pillar is a working part of the platform that takes over the moment "Booking confirmed" hits the screen. Skim the headers, dive into the ones that matter for your firm.
Pillar · 01

Day one — welcomed, equipped, oriented.

The first seven days after booking define the next thirty-six months of the relationship. Farvision orchestrates onboarding as a checklist with owners and deadlines — welcome call, KYC document collection, customer app login, dedicated relationship manager assignment, project orientation pack. The customer never wonders what happens next; the customer care team never wonders who's owning what.

Welcome call · day-1Auto-scheduled into the assigned RM's calendar within 24 hours of booking confirmation.
KYC document collectionPAN, Aadhaar, address proof, employment proof — uploaded via the customer app.
Customer app loginBranded as your firm. Issued day-1. Project progress visible from day-1.
RM assignmentSingle dedicated relationship manager per customer · introductions, escalation path.
Project orientation packFloor plan, brochure, possession timeline, RERA / DLD details · all in one bundle.
Welcome kit dispatchPhysical kit logistics tracked · letterhead, congratulations card, branded folder.
ONBOARDING · DAY 1 TO DAY 7 · MR. RAO D1 Welcome call · RM intro Priya M assigned · 25 min call · briefed on payment plan DONE ✓ D2 Customer app · login issued Dosti Connect · activated · push enabled DONE ✓ D3 KYC docs · uploaded PAN · Aadhaar · address proof · 4 of 4 received DONE ✓ D4 Welcome kit · dispatched In transit · Blue Dart · ETA tomorrow IN TRANSIT D5 Sales agreement · e-sign queued Awaits welcome kit confirmation QUEUED D7 Bank loan · application opened HDFC pre-approval · trigger after agreement QUEUED ▸ ONBOARDING · 3 OF 6 COMPLETE · ON SCHEDULE
Pillar · 02

Sales agreement — e-signed, compliance-clean, audit-trailed.

The agreement is the moment booking becomes contract. Farvision generates the agreement from a template that's already locale-aware (RERA-compliant in India, DLD-aware in the GCC), pre-filled with unit, pricing, scheme and payment plan. Both parties e-sign, stamp duty calculations show up on the spot, and the entire sequence is captured in an audit trail your CFO can hand to a Big-4 reviewer without flinching.

Locale-aware templatesRERA-compliant · state-specific clauses · multi-language
Auto-pre-fillUnit, configuration, scheme, payment plan, RM, channel partner — all populated from the booking record.
e-Signature integrationAadhaar e-Sign, NSDL, DigiLocker · legally enforceable
Stamp duty livePer-state rate, instant computation, e-stamp purchase
Co-applicant flowSpouse, parent, joint owner — separate KYC, separate signature blocks.
Audit trailEvery version, every edit, every signature event timestamped and stored.
SALES AGREEMENT · TIMELINE · TOWER B-1101 SALE AGREEMENT · RERA B-1101 · 2BHK · ₹89.25 L PAYMENT SCHEDULE · 12 INSTALMENTS e-Signed Buyer e-Signed Developer GENERATED D5 · 9:14 AM STAMP DUTY ₹ 5.4 L · paid e-SIGNED D6 · 11:32 AM PRE-FILLED From booking PLAN LOCKED Construction-linked ▸ AGREEMENT · EXECUTED Document hash a4f8...d9c1 Audit trail entries 14 events Stored in DigiLocker · Farvision DMS
Pillar · 03

Demand management — time-linked or construction-linked. Automated either way.

Two payment-plan philosophies dominate real estate. **Time-linked** plans bill at fixed dates regardless of construction; the customer pays on a calendar. **Construction-linked** plans only bill when a construction milestone is certified — slab cast, plastering complete, OC issued. Most CRMs handle one. Farvision handles both, switches between them on a per-customer basis, and triggers demand letters automatically the moment the trigger condition fires — a date or a site-team certification.

Time-linked plans10/20/30/40 schedule, 90-90-90, fixed-month installments · all configurable.
Construction-linked plansPlinth · slab 1 · slab 5 · brickwork · plaster · OC · keys — auto-fired by site team certifications.
Hybrid plans10% on booking, 20% on agreement, balance on construction milestones · supported.
Auto demand letterGST-correct · TDS-aware · letter-headed · emailed and SMS-pushed
Multi-channel remindersEmail · SMS · WhatsApp · in-app · automated cadence · escalations to RM.
Receipt → ledgerAuto-applied to customer ledger · GST e-invoice · RERA escrow split
CONSTRUCTION-LINKED · PROJECT TOWER B Plinth complete Site certified · 14 Mar · demand fired auto ₹ 8.9 L · PAID Slab 1 cast Site certified · 28 Apr · paid in 9 days ₹ 4.5 L · PAID Slab 5 cast · today Site certified 2h ago · demand letter fired ₹ 4.5 L · DUE ▸ AUTO-TRIGGERED 2H AGO Email · SMS · WhatsApp · app push · all sent Brickwork complete Estimated · Aug · demand will trigger then ₹ 4.5 L · LOCKED Plastering & flooring Estimated · Dec · 10% of consideration ₹ 8.9 L · LOCKED OC & keys Estimated · Mar 2027 · final 5% ₹ 4.5 L · LOCKED ▸ DEMAND TRIGGERS = SITE-TEAM CERTIFICATIONS No date-based billing · no manual letters · no missed cycles
Pillar · 04

Bank loan tracking — every formality, every disbursement, every reminder.

Most customers fund 70-80% of the purchase via a home loan. The loan journey runs in parallel to your demand cycle and can derail it if formalities slip — sanction-letter-not-shared, NOC-not-issued, disbursement-not-claimed. Farvision tracks every loan from application to final disbursement, flags blockers to both your customer care team and the customer's app, and keeps the bank-coordinator in your team in sync.

Bank tie-up panelHDFC, ICICI, SBI, Axis, Kotak — pre-approved partner integrations
Application status trackerSanction letter · agreement · disbursement requests · per tranche.
NOC issuanceAuto-generated to bank on demand for tripartite agreement, original docs.
Disbursement claimConstruction-linked plans automatically prep disbursement claims for the bank.
Customer-app visibilityThe customer sees exactly which formality is blocking the next disbursement.
Bank-coordinator dashboardYour team sees all loans across all customers, sortable by bank, by status.
LOAN · MR. RAO · HDFC · ₹ 67 L SANCTIONED 01 · Application submitted HDFC · home loan · 21 May DONE ✓ 02 · Sanction letter received ₹ 67 L sanctioned · 8.45% · 20 yr DONE ✓ 03 · Tripartite NOC · BLOCKING Bank requested 3 days ago · still pending ! ACTION 04 · Loan agreement & e-stamp Triggers when NOC clears QUEUED 05 · 1st disbursement · slab 5 ₹ 13.5 L · construction-linked tranche QUEUED ▸ ESCALATION · LEGAL TEAM · ASHISH K Tripartite NOC drafted · awaits MD signature Customer notified · RM Priya M briefed · ETA 24h
Pillar · 05

Payment follow-up — before delinquency. Workflow when it's already there.

The cheapest collection happens before the customer becomes delinquent. Auto-reminders 7-, 3- and 1-day before due. Payment links inside the SMS and WhatsApp. Friendly tone for first-time slips, escalating cadence for repeat offenders. When delinquency does crystallise — 30, 60, 90 days past due — Farvision routes the case into a defaulter workflow with legal-team visibility, cancellation pre-work, and refund-schedule modelling.

Pre-due remindersT-7, T-3, T-1 · email + SMS + WhatsApp + app push · with payment link.
Payment-link integrationUPI · NEFT · RTGS · Razorpay · Cashfree · paid → ledger live
Tone escalationFriendly first reminder · firmer second · formal third · legal-team handoff.
Delinquent customer workflow30/60/90 day buckets · case routed to RM, then customer care head, then legal.
Defaulter viewOne screen · all customers in arrears · ageing bucket · last-action stamp · DSO trend.
Interest accrualPer agreement clause · auto-applied · GST-correct · transparent
DELINQUENT CUSTOMERS · AGEING BUCKETS 0–30 days · soft 12 customers ₹ 1.8 Cr · auto-reminders 30–60 days · firm 7 customers ₹ 1.2 Cr · RM intervention 60–90 days · formal 3 customers ₹ 60 L · CRO escalated 90+ days · legal 1 customer ₹ 22 L · cancellation flag DSO TREND · LAST 6 MONTHS 42 38 31 26 22 19 DSO · days ▼ 23 days ▸ AUTO-REMINDERS REDUCE 0–30 BUCKET BY 64% Per benchmarks · Farvision tenants vs. control
Pillar · 06

Cancellations — compassionate workflow, compliance-clean refund.

Some cancellations are inevitable — life changes, financing falls through, the customer changes their mind. The bad part isn't the cancellation, it's the friction afterward — disputes over forfeit clauses, ad-hoc refund schedules, channel commission already paid out, inventory stuck in administrative limbo. Farvision encodes the policy: reasons captured, refund schedule modelled per agreement clause, channel commission auto-recovered, inventory atomically released back to live.

Reason captureStructured + free-text · feeds attrition analytics for product / pricing / process learnings.
Forfeit / refund computationPer agreement clause · transparent breakdown · disputable items flagged.
Refund scheduleMulti-tranche if needed · linked to bank account · ledger-aware.
Channel commission reversalIf broker was paid, recovery initiated per partner agreement clauses · automatic.
Inventory releaseUnit returns to live inventory atomically · re-pricing options surfaced.
Customer-app exit flowEven cancellation has a dignified end · final statement, refund ETA, alumni network opt-in.
CANCELLATION · MS. KAUR · B-1108 · ENGINEERED Reason · job relocation Cancellation initiated 14 May · processed 18 May REFUND COMPUTATION Total received from customer ₹ 18.40 L Less · forfeit (10% per clause 14.2) − ₹ 1.84 L Less · admin charges (clause 14.3) − ₹ 25,000 Less · GST adjustment − ₹ 22,500 Refund payable ₹ 16.09 L 2 tranches · 60% in 7 days · 40% in 30 days Channel commission recovery in motion ₹ 9,200 ▸ INVENTORY · B-1108 · BACK TO LIVE Released 18 May · re-priced + 6% per market · live now DOCUMENTS · CANCELLATION DEED · REFUND ADVICE · STORED
Pillar · 07

Channel partner brokerage — collection-linked, auto-released, dispute-proof.

Now we're past booking, the brokerage commitment becomes a money flow. Farvision's ladder commission engine releases tranches against actual customer collections — 25% on agreement, 25% on first slab, 25% on milestone five, 25% on possession. Brokers see the schedule on their app, your finance team sees the AP exposure, and if the customer cancels, the system auto-recovers paid brokerage per the partner agreement. The relationship that drove the booking now drives itself, without WhatsApp escalations.

Ladder rules engineTier rates, accelerators on volume, scheme-specific bumps · all configurable per partner.
Collection-linked releaseBrokerage tranche releases when customer pays the linked milestone — not before.
CP self-invoicePartner raises invoice on portal · TDS auto-deducted · GST-correct
Cancellation reversalCustomer cancels in month 4? Recovery initiates automatically per agreement.
Sub-broker payouts2-tier networks · primary broker shares with sub-broker per their internal split.
Dispute logEvery release event timestamped with policy reference · disputes resolve themselves.
LADDER · 1% ON ₹ 89.25 L · TOTAL ₹ 89,250 1 25% · agreement signing ₹ 22,313 · paid · 12 days ago · TDS-netted PAID ✓ 2 25% · 1st slab milestone ₹ 22,313 · paid 4 days ago · customer paid first PAID ✓ 3 25% · 5th slab milestone ₹ 22,313 · waiting · customer demand fired today PENDING 4 25% · possession offer ₹ 22,313 · 14 months out · OC-linked LOCKED ▸ POLICY · COLLECTION-LINKED · CANCEL-PROOF Paid · ₹ 44,626 · Pending · ₹ 44,624
Pillar · 08

The customer's view — your brand, your story, 36 months long.

Most of what your customer experiences for the next three years is a phone screen. Farvision's white-labelled customer app shows them exactly where their unit is in construction (with site photos, drone footage, milestone certifications), every payment they've made, every demand letter they've received, every snag they've raised, every NOC the bank has requested. The app is also where they discover that referring a friend earns them money — closing the loop your CRM started with. Branded as your firm — splash, colours, sender name, app store listing.

Project progress · liveSite photos updated weekly · drone footage monthly · milestone certifications timestamped.
Statement & ledgerEvery demand, every receipt, every interest accrual · downloadable PDF · CA-shareable.
Bank loan trackerMirror of the internal tracker · customer sees what's blocked, what's next, who acts.
Snag & complaintRaise from app · photo evidence · routed to support team · status visible.
Document vaultAgreement, demand letters, receipts, NOCs, allotment letter — one place, always available.
White-label everywhereSplash, app store listing, push sender, branded emails — your firm, not Farvision
9:41 YOUR HOME Tower B · Unit 1101 Possession · Mar 2027 Construction · live SITE · MAY 5 of 24 floors cast On schedule ▸ Slab 5 · cast today! View site photos → PAY DUE ₹ 4.5 L Slab 5 · in 9 days LOAN · ENBD NOC pending Action with us Documents All → Agreement Receipts Statement Pay now Snag Refer ! Slab 5 cast · today! View photos · pay milestone in 9 days Home Pay Snag Profile
§ 02
Plans
Two payment philosophies · both natively supported

Pick the plan philosophy
your buyers prefer.

Time-linked plans bill on dates regardless of construction. Construction-linked plans bill only when site teams certify a milestone. Most CRMs support one. Farvision supports both — and the hybrid in between, on a per-customer basis, switchable mid-project.
Plan · 01

Time-linked

Demand fires on calendar dates. Customer pays whether or not construction has progressed. Predictable cash flow for the developer; predictable obligation for the customer.

M1 10% M3 20% M6 30% M12 25% M24 15%
Trigger · calendar date · auto-fired
Demand letter · sent on T-7, T-3, T-day
Best for · buyer-funded projects, ready-to-move inventory
Risk · construction delay leaves customer paying without progress
Plan · 02 · Differentiator

Construction-linked

Demand fires only when site team certifies a milestone — slab cast, plaster done, OC issued. Customer only pays for progress made. Trust-builder for under-construction inventory.

PLINTH 10% SLAB 1 5% SLAB 5 5% PLASTER 10% OC 5%
Trigger · site-team certification · auto-fired
Demand letter · sent on milestone certification
Best for · under-construction projects, customer trust-building
Why we win · most CRMs need a developer to manually fire each demand · we don't
100%Demand letters auto-generated · zero manual
98.4%On-time trigger rate · across tenants
2.6×Faster collection cycle · vs spreadsheet baseline
−64%Reduction in 0-30 day delinquency
§ 03
CRM Head
Where things are pending · across every project

The CRM Head's view —
nothing falls through.

The CRM Head's job is to spot stuck things — an agreement that didn't get signed, a demand letter that wasn't paid, a snag holding up handover, an NOC the bank is still waiting on. Farvision rolls every project's status by every status type, in real time. Reds get attention before they become quarter-end fires.
620 Active customers · post-booking ↑ 38 this quarter
₹ 240Cr Bookings YTD · across 6 projects ▲ 96% of target
₹ 178Cr Cash collected · YTD DSO down 23 days
255 Possessions ready in 90 days 29 with open snags
Project · phase
Active
customers
Agreement
pending
Demand
overdue
Snags
open
Loan
blocked
Possession
ready
Tower BMumbai · under construction
87
2
3
8
1
SkylinePune · under construction
142
5
12
17
3
MarinaBengaluru · under construction
64
1
2
3
0
GreensHyderabad · early stage
38
0
1
2
0
Heights P-1Delhi NCR · handover phase
218
4
29
2
184
Vista C-3Kolkata · handover phase
71
0
6
0
71
Portfolio total
620
8
22
65
6
255

Today · needs your attention

4 items
Skyline · 12 demand letters overdue 30+ days ₹ 4.8 Cr at risk · 4 customers in 60+ day bucket · cancellation flag on 1
Review batch
Heights P-1 · 184 possession-ready, 29 snags blocking handover Customers waiting for keys · contractor allocation needed · target clearance in 14 days
Snag-team allocation
Tripartite NOC pending · 3 customers across 2 banks ₹ 1.2 Cr disbursement blocked · legal-team has drafts ready · awaits MD signature
Route to MD
Skyline · 5 sales agreements pending e-sign · > 14 days Customers booked but agreement unfinished · channel commission tier-1 release blocked
RM follow-up
§ 04
Finance USP
Why integrated wins · the differentiator at scale

At every Care touchpoint,
finance auto-fires.

Standalone CRMs end at "booking confirmed". After that, your finance team spends days every month translating between systems — fixing GST mismatches, chasing project allocations, manually mapping receipts to demand letters. Farvision posts every customer-care event to the right finance event automatically, on the same tenant. Six examples below.
CARE EVENT · BOOKING CONFIRMED
Booking signed off

Customer commits to the unit · token paid · inventory atomically blocked.

AUTO
FINANCE EVENT
Customer ledger created · channel commission provisioned

AR sub-ledger opened in customer's name · channel partner liability booked in AP · audit trail timestamped.

CARE EVENT · DEMAND LETTER FIRED
Demand letter triggered

Time-linked date passed, or site team certifies a construction milestone · demand letter goes out.

AUTO
FINANCE EVENT
AR posting · GST e-invoice raised

Customer's ledger debited · GST/HSN-coded invoice generated · IRN obtained from GSTN portal · letterhead PDF dispatched.

CARE EVENT · CUSTOMER PAYS
Customer payment received

Receipt comes via UPI / NEFT / RTGS / direct debit · captured in the customer app or via bank file.

AUTO
FINANCE EVENT
GL posting · RERA escrow split · interest stopped

Receipt auto-applied to oldest dues · RERA-compliant 70/30 escrow split · TDS reconciled · interest accrual halted on the cleared milestone.

CARE EVENT · BANK DISBURSEMENT
Bank disburses against milestone

Construction-linked plan triggers a disbursement claim · bank releases tranche to developer.

AUTO
FINANCE EVENT
AR partial settlement · escrow trustee routing

Customer's AR auto-reduced · trustee account routes the funds per RERA escrow rules · loan-tag applied to the receipt · audit trail to bank reference.

CARE EVENT · SNAG CLOSED · POSSESSION
Snag list cleared · possession offer issued

Final defect resolved · OC obtained · physical handover scheduled · customer accepts on app.

AUTO
FINANCE EVENT
Revenue recognised · Ind-AS 115 compliant

Performance obligation satisfied · revenue debited from balance-sheet liabilities, credited to P&L · cost of construction matched · auditor-ready disclosures.

CARE EVENT · CANCELLATION
Customer cancels the booking

Reason captured · forfeit/refund modelled per agreement · inventory atomically released back to live.

AUTO
FINANCE EVENT
AR reversal · refund AP entry · brokerage recovery

Customer ledger reversed with audit reference · refund schedule loaded into AP for treasury · paid brokerage flagged for recovery from channel partner.

Standalone CRM stack

Manual reconciliation. Every month. Forever.

CRM exports CSVs of bookings and demands. Finance imports them, hopes the codes match.
GST e-invoicing happens in a separate tool. Mismatches found at month-end. Painful.
RERA / DLD escrow rules applied manually. One mistake, one regulator notice.
Brokerage recovery on cancellation? Email chain to the partner. Disputes for months.
Big-4 audit asks for the trail. Twelve email threads, three Excel files, a sigh.
Farvision integrated

Auto-posted. Always reconciled. By design.

Every customer-care event posts to the right finance event in the same tenant. Zero exports.
GST e-invoicing fires from the demand letter itself. IRN comes back, attached to the same record.
RERA 70/30 escrow split applied per receipt. Per project. Auditor-ready.
Cancellation auto-recovers the brokerage from the partner's next ladder release. No emails.
Audit trail · one tenant, every event timestamped, one query. Big-4 cleared first pass.
The construction-linked demand engine alone changed our cash forecasting. The site team certifies a slab on Tuesday, the demand letter goes out at 9 a.m. Wednesday, the customer pays inside 7 days, the brokerage tranche releases automatically, and our finance team didn't touch any of it. Three years ago we were doing all of that on email and Excel.
— Customer Care Director, Top-15 Indian developer
Next step

See Customer Care on your customer.

30 minutes. We'll walk a customer from booking through onboarding, sales agreement, construction-linked demand, bank loan tracking, and ladder commission release — on a live system. Bring your customer care head, your collections head, your finance team — they all get to see what they need.