Finpage's Co-lending module runs RBI CLM-2-aligned partnerships end to end — scheme setup, origination, exposure split, NACH routing, recon, and settlement. One system, one source of truth, both parties reconciled.
Origination happens on the NBFC side. Underwriting is shared. Disbursal, collections, and settlements flow through a single ledger that both parties reconcile against — daily.
Partner onboard, scheme config, exposure ratio, rate caps.
NBFC sources, captures KYC, and runs credit rules per scheme.
Auto-split loan into bank + NBFC exposure per scheme.
Joint or separate flows; escrow with hold-and-release.
NACH, receipts, and EMI split across partner ledgers.
Daily recon, T+1 split-settlement, MIS to both parties.
Schemes capture everything about a co-lending arrangement in one configuration — exposure ratio, eligibility gates, rate caps, fee sharing, NACH routing, and settlement cadence. Multiple schemes can run in parallel, each with its own partner bank.
Scheme templates map to RBI's Co-Lending Model (CLM-2) notifications. 80:20 bank-NBFC default, configurable per scheme with hard floors on NBFC exposure.
Ready-made integration patterns with scheduled banks, private banks, and SFBs — plus a reference spec for any new partner. Data exchange, reconciliation formats, and escrow flows, pre-wired.
SBI, BoB, PNB, Canara Bank — standard CLM-2 integration templates, sFTP + API flows, escrow with UCO.
HDFC Bank, ICICI, Axis, Federal, SIB — real-time API co-lending flows, T+1 auto-settlement.
Leading small finance banks onboarded for co-lending across unsecured, microfinance, and MSME products.
NBFC–NBFC pools, direct assignments, and securitisation-style handoffs — same settlement engine.
Origination happens once. Everything downstream — the ledger splits, the NACH routing, the recon files, the partner MIS — is driven off that one source.
Every loan is simultaneously booked to the partner bank and NBFC ledgers per the scheme's ratio, with full auditability on how each rupee was allocated.
Single NACH mandate from borrower, auto-split on receipt. Failed-mandate retry, bounce fee attribution, and re-presentment all tracked.
Compare partner bank statements against your ledger daily, flag exceptions, and auto-resolve routine matches. Audit log for every adjustment.
Hold-and-release flows through escrow accounts. Automated disbursal triggers on event completion (KYC + agreement + checks).
Daily, weekly, and month-end reports on portfolio, collections, NPAs, and settlements — delivered to partner bank sFTP in their expected format.
RBI Co-Lending guidelines built into the schema: exposure limits, NBFC retention floors, blended-rate caps, and mandated audit trails.
Bring your partner bank's scheme spec. We'll configure it live in the sandbox and show you a full co-lent loan — origination to T+1 settlement — in a 30-minute session.