Loan application statuses

Each loan application progresses through a defined set of journey statuses, returned as journeyStatus by the Get loan application status API. The table below lists every possible value and what it represents.

Status	Meaning
`REGISTER_LEAD`	Lead registered (PAN/mobile captured). Journey entry point.
`IMPORT_HOLDINGS`	Importing/fetching pledgeable holdings (stocks/MF) to compute eligibility.
`SELECT_LENDER`	User selecting a lender (multi-lender / EIMPL flow).
`FETCH_CKYC`	KYC fetch for a new application - can include sub-steps like CKYC fetch, Digilocker fetch, providing personal and occupation details, name match etc.
`FETCH_CKYC_RENEWALS`	KYC fetch variant for the renewal journey.
`CONFIRM_OFFER`	Loan offer (amount / ROI / fee) shown and being confirmed from the user.
`LINK_BANK_ACCOUNT`	Linking disbursement bank account / penny-drop verification.
`KYC_SELFIE`	Selfie / liveness capture during KYC (DSP & SIB).
`VIDEO_KYC`	User undergoes a live video KYC verification.
`PLEDGE_FUNDS`	User pledges (liens) selected holdings. Selection/amount locks at this stage.
`SIGN_AGREEMENT`	Loan agreement generation and e-signing.
`SETUP_MANDATE`	Setting up NACH / e-mandate for repayments.
`SUBMITTED`	Application submitted to the lender; awaiting decision.
`SUBMISSION_FAILED`	Submission to lender failed due to an error. Our ops team will review the failure and attempt to resolve the error.
`APPROVED`	Lender approved; pending charge collection and disbursement.
`DISBURSEMENT_REQUESTED`	Auto-disbursement requested; will move to `DISBURSED` on success.
`DISBURSED`	Funds disbursed; loan live/active during tenure.
`CLOSED`	Loan closed after full repayment. Securities unpledged based on lender-specific SLAs, if no topup/enhancement was availed.
`CANCELLED`	Application cancelled. User can start a fresh application.
`OPS_DIGILOCKER`	Ops-driven DigiLocker document-fetch state.
`RESYNC_HOLDINGS`	Holdings re-sync / refresh step.