Finpage v7.5

Finpage
the lending
operating system.

A unified origination, servicing, and collections platform built from the ground up for Indian NBFCs and MFIs. One engine that handles everything from loan application to collection, across every loan product you run.

Oracle database Spring Boot Real-time events AWS Mumbai Integration APIs
FINPAGE · ARCHITECTURE LIVE
MOBILE APP Field officers WEB PORTAL Branch / HQ PARTNER API Co-lending, BC API GATEWAY · AUTH · RATE-LIMIT 01 Originate Apply · capture 02 Decide Credit rules 03 Service Manage · collect INTEGRATION LAYER · KYC · CIC · NACH · PAYMENTS CIBIL · EXPERIAN NPCI · NACH UIDAI · CKYC INFRA Enterprise database · AWS Mumbai Data residency · India

Everything you need to run a lending business.

Finpage is not a single feature — it's the full stack. Click through to see what each layer does.

01 / Loan origination

From application to approved file, without the paperwork.

Finpage captures every borrower journey — mobile-first for field officers, web-first for branches, and connected through integration APIs for partners. Digital KYC, document capture, and eligibility checks all run inline.

Digital KYC

Aadhaar, PAN, CKYC, video KYC — all integrated with sub-3-second verification.

Document OCR

OCR + ICR automatically extracts data from KYC forms, bank statements, and income proofs.

Geo-tagged capture

Field officer visits are GPS-locked and time-stamped for audit and fraud prevention.

Group formation

JLG-native workflows: center meetings, group attendance, joint liability tracking.

02 / Automated credit decisioning

Credit decisions that are consistent, auditable, and fast.

The platform lets your credit team encode policy as rules — not code. Eligibility checks, scoring, exception handling, and approval routing all run through a single decisioning engine with a full audit trail.

// Sample credit rule — individual lending { "rule_id": "IL_ELIG_001", "product": "individual_lending", "conditions": [ { "field": "applicant_age", "op": "between", "val": [21, 65] }, { "field": "cibil_score", "op": "gte", "val": 650 }, { "field": "monthly_income", "op": "gte", "val": 15000 } ], "decision": "auto_approve", "max_ticket": 100000 }

Millisecond decisions

Rules evaluate in under 100ms across hundreds of conditions and data points.

Full audit trail

Every decision is logged with rule-level traceability — ready for RBI inspection.

03 / Disbursement

Move money the moment a file is approved.

FinRemit handles bank account validation, fund transfer orchestration, and reconciliation — so approved loans turn into disbursed loans in minutes, not days.

Real-time bank validation

Penny-drop and IFSC validation ensures borrower accounts are live before disbursal.

Tranche disbursement

For LAP and secured products — split disbursements with milestone-based triggers.

Reconciliation

Auto-match bank statements against disbursed files with variance flagging.

Co-lending split

RBI-aligned co-lending flows with automated partner share calculations.

04 / Loan servicing

Manage the loan for its full life — with no surprises.

Once a loan is live, servicing takes over: repayment schedules, EMIs, accounting, NACH mandates, foreclosures, top-ups, restructuring, and closure. All in one consolidated ledger.

📅

Flexible schedules

Weekly, bi-weekly, monthly, bullet, step-up — any repayment pattern.

Σ

Double-entry accounting

GAAP-compliant ledger with automatic journal postings for every loan event.

Restructuring & top-ups

Handle mid-life loan changes without breaking audit continuity.

NACH & e-mandate

Mandate creation, presentation, bounce handling — fully integrated with NPCI.

05 / Collections · FinCollect

Recover confidently, without losing trust.

FinCollect equips field teams with mobile tools for collections — route optimization, receipt generation, bucket-wise strategy, and real-time sync. Every rupee collected is traced from borrower to ledger.

Bucket strategies

Configurable SMA-0/1/2, NPA flows with escalation and allocation rules.

Field app

Offline-capable mobile app for collection agents with receipt printing and sync.

06 / Compliance & Audit

Regulation is not a feature. It's the foundation.

Every Finpage deployment ships with CIC reporting, audit logs, role-based access, data encryption, and audit-ready exports. When RBI asks, you have the answer.

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CIC reporting

Daily, weekly, and monthly submissions to CIBIL, Equifax, Experian, CRIF.

🔒

Data protection

Encryption at rest and in transit, RBAC, IP whitelisting, audit logs.

📋

RBI reports

Regulatory returns generated with a single click — no manual spreadsheet ops.

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Data residency

Hosted in AWS Mumbai. All data stays in India.

Already talks to everything that matters.

Finpage ships with production-grade connectors for the systems Indian lenders actually use. Your stack, already wired up.

CB
CIBIL
Credit Bureau
EQ
Equifax
Credit Bureau
EX
Experian
Credit Bureau
CR
CRIF High Mark
Credit Bureau
UI
UIDAI
Aadhaar
CK
CKYC
KYC Registry
NP
NPCI · NACH
Payments
RZ
Razorpay
Payment Gateway
PM
PerfiosMoney
Bank Statement
KR
Karza
Verification
DK
Digio / Signzy
eSign · Video KYC
+
Custom APIs
Your stack

Deploy the way that fits you.

Pick SaaS if you want speed. Pick on-premise if you need control. Either way, we run it with you.

Finpage On-Premise

Deploy in your own data center or private cloud. Complete control over infrastructure, data, and networking — backed by our implementation team.

  • Full data sovereignty
  • Custom infra configurations
  • Integration with internal systems
  • On-site deployment support
  • Structured release rollouts

A platform built for IT teams and operators.

Every production deployment ships with the observability, reliability, and security tooling real lenders need. No add-ons, no shortcuts.

FIG. 01 Production deployment topology — AWS Mumbai
3 Availability Zones · Active-Active · Zero downtime
EDGE · CLOUDFRONT + WAF Encryption · DDoS protection · Geo-restriction · Rate limiting Latency: <5ms · APPLICATION LOAD BALANCER Path + host routing · mTLS to upstream ZONE A · PRIMARY API Gateway · Spring Boot Auth · throttling · fault tolerance ×6 Core Application Services Origination · underwriting · servicing ×12 Oracle Database · Primary High availability · encrypted at rest ZONE B · ACTIVE API Gateway · Spring Boot Auth · throttling · fault tolerance ×6 Event Streaming · Kafka Real-time pipeline · triple-replicated 3 zones Oracle Database · Standby Sync replication · auto-failover AZ-1C · READ + ANALYTICS In-Memory Cache Session · cache · rate-limit store 6 nodes Oracle Read Replica CIC reports · reconciliation · BI S3 + Redshift Data lake · audit logs · warehouse OBSERVABILITY Live metrics · Central logs · Distributed tracing · 24×7 monitoring
HIGH AVAILABILITY

3 zones, active-active

Zero-downtime upgrades with automatic failover in under 30 seconds. Primary database runs with continuous standby replication for instant recovery.

BACKUPS & RECOVERY

Point-in-time recovery

Continuous archival with recovery windows under 5 minutes. Automated daily snapshots retained 35 days. Cross-region disaster recovery.

MONITORING

Full-stack visibility

Every request traced, every log aggregated, every metric monitored. Custom dashboards per lending portfolio and per business line.

SECURITY

Defense in depth

Bank-grade encryption at rest and in transit. Customer data encrypted per-field. Quarterly penetration testing and key rotation. Aadhaar numbers stored only as secure hashed references.

ELASTIC SCALE

Grows with your book

Every component scales independently. Peak-load days just add more capacity, automatically. No pre-provisioning, no emergency upgrades.

RELEASE MANAGEMENT

Ship with confidence

Multi-stage quality gates from code to production. Feature flags and gradual rollouts for risky changes, so updates never disrupt live operations.

See Finpage working on your loan book.

30 minutes. No slides. Our product team will walk you through the platform running against your exact use case.