TWINLINE BUSINESS SOLUTIONS · FINPAGE v7.5INFO@TWINLINE.IN · +91 124 434 6868
LOAN PROGRAM · CO-LENDING · CLM-2

Bank + NBFC,
one ledger.

RBI CLM-2-aligned partnerships end to end — scheme setup, origination, exposure split, NACH routing, daily reconciliation and T+1 settlement. One system, one source of truth, both parties reconciled.

PA-2026-01184 · DISBURSED
CLM-280 : 20BLENDED 10.6%T+1
Bank share · 80%₹9,60,000
NBFC share · 20%₹2,40,000
Daily recon exceptions0
ONE LOAN, TWO BOOKS

₹12,00,000, split at the
moment of booking.

BANK · 80% · ₹9,60,000 @ 9.5%
NBFC · 20%
PA-2026-01184 · REKHA INDUSTRIESDISBURSED
SchemeMSME-CLM2-BL
Blended rate to borrower10.6% p.a.
NACHSingle mandate · auto-split on receipt
SettlementT+1 · escrow hold-and-release
Recon exceptions today0
SCHEME · MSME CO-LENDING · CLM-2ACTIVE
PartnerBank partner under CLM-2
Exposure ratio80 : 20
ProductMSME business loan
Ticket range₹5L to ₹50L
Tenure12 to 60 months
Blended rate cap≤ 12% p.a.
SettlementT+1, auto-split
MODULE CAPABILITIES

Built for how this product
actually works.

SCHEME

Scheme engine

Each partnership as one configuration — exposure ratio, eligibility gates, rate caps, fee sharing, NACH routing and settlement cadence. Multiple schemes in parallel.

SPLIT

Per-loan split engine

Every loan booked simultaneously to bank and NBFC ledgers per the scheme ratio, with full auditability on how each rupee was allocated.

NACH

Single mandate, auto-split

One mandate from the borrower; receipts auto-split on arrival, bounce fees attributed, re-presentment tracked.

RECON

Daily reconciliation

Partner bank statements compared against your ledger daily — exceptions flagged, routine matches auto-resolved, every adjustment logged.

SETTLE

T+1 settlement

Escrow with hold-and-release, automated split-settlement and MIS to both parties — every day, not month-end.

PARTNER

Pre-wired integrations

Integration templates for public-sector banks, tier-1 private banks, SFBs and NBFC–NBFC direct assignment — sFTP and API flows ready.

THE WORKFLOW

Stage by stage, fully tracked.

01 · SCHEME
Partner onboarding, scheme configuration, exposure ratio and rate caps.
02 · ORIGINATION
NBFC sources and runs KYC plus credit rules per the scheme’s eligibility gates.
03 · SPLIT & BOOK
Loan auto-split into bank and NBFC exposure at booking.
04 · DISBURSAL
Joint or separate flows; escrow with hold-and-release.
05 · COLLECTION
NACH receipts and EMIs split across partner ledgers as they land.
06 · SETTLEMENT
Daily recon, T+1 auto-split settlement, MIS to both parties.
IN THE FIELD

What lenders see.

80:20
CLM-2 default ratio
T+1
Auto-split settlement
18
Live partner integrations

Launch this program
in weeks.

See the full journey for this product, configured live against your policies.

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