Mobile app
Field officers
A unified origination, decisioning, servicing and collections platform built from the ground up for Indian NBFCs and MFIs — one engine, every loan product you run with full data residency in AWS Mumbai.
Field officers on mobile, branches on web, partners over APIs — everything funnels through one gateway into the same three engines and the same integration rails.
Web, mobile and partner channels — one intake.
Credit rules, scoring and KYC in a single pass.
Double-entry ledger and audit log, in real time.
MIS, RBI returns and CIC — from the same numbers.
Mobile-first for field officers, web-first for branches, API-first for partners — every borrower journey captured, verified and decision-ready inline.
Aadhaar e-KYC, PAN, CKYC and video KYC integrated with sub-3-second verification — powered by FinVerify.
Automatic extraction from KYC forms, bank statements and income proofs — typed or handwritten.
Field visits GPS-locked and time-stamped, with photo evidence against every event, for audit and fraud prevention.
Center meetings, CGT/GRT, group attendance and joint-liability tracking as first-class citizens, not bolt-ons.
Every application checked against the live book — same person, same household, same documents.
DSA, branch walk-in, digital leads, referral partner APIs — one pipeline, one audit trail.
No Excel sheets emailed between credit and ops. No IF-ELSE trees buried in code. The BRE is a versioned, testable, observable rule engine.
Author → review → approve → promote. Versions are immutable; every application carries the exact rule-set version that decisioned it, forever.
A complete ruleset evaluates in milliseconds; end to end with bureau calls and bank analysis, typically under 2 seconds.
Backtest a candidate policy against 6 months of historical applications before promoting. A/B rollouts split live traffic between versions.
Hard rules gate, soft rules flag — applications route automatically to straight-through, credit-officer review, or rejection queues.
Four bureaus in parallel, bank statement analysis, GST crawler, ITR parsing and Account Aggregator consent flows feeding one decision.
Every decision logged with rule-level traceability — the answer to "why did we approve that one?" is always one click away.
Once a loan is live, servicing takes over: schedules, accounting, mandates, restructures and closure, all in one consolidated ledger.
Weekly, bi-weekly, monthly, bullet, step-up — with moratorium and broken-period interest handled correctly.
Every loan event posts balanced journal entries automatically into the Account & Treasury GL.
Mid-life loan changes — restructure, reschedule, top-up — without breaking audit continuity.
Mandate creation, presentation and bounce handling fully integrated with NPCI through FinCollect.
Foreclosure, settlement, write-off and NOC issuance — reconciled to the last paisa.
SMA-0/1/2 through Sub-Standard, Doubtful and Loss — graded nightly, provisioned automatically.
Book a 30-minute walkthrough — we’ll show Finpage running against your loan products and your volumes.
Book a demo →