The 40-minute formula

The 40-minute formula

The 40-minute formula

The 40-minute formula

The 40-minute formula

Our platform takes you through the entire life-cycle of loan disbursement in less than an hour, with time to spare.

The 40-minute formula

Our platform takes you through the entire life-cycle of loan disbursement in less than an hour, with time to spare.

The 40-minute formula

Our platform takes you through the entire life-cycle of loan disbursement in less than an hour, with time to spare.

The 40-minute formula

Our platform takes you through the entire life-cycle of loan disbursement in less than an hour, with time to spare.

eKYC

Verify borrower identity

Verify borrower identity

Verify borrower identity

payintent

Evaluate intention to pay

Evaluate intention to pay

eNACH

Assess repayment capabality

 

Assess repayment capabality 

Assess repayment capabality

documentation

Complete necessary documentation

 

Complete necessary documentation

Complete necessary documentation

5minutes

Generate a lead

  • eKYC via Aadhar
  • Prepopulate via MCA
  • OCR for easy data capture
  • Estimate of conversion probability in lead score

Generate a lead

  • eKYC via Aadhar
  • Prepopulate via MCA
  • OCR for easy data capture
  • Estimate of conversion probability in lead score

Generate a lead

- eKYC via Aadhar
- Prepopulate via MCA
- OCR for easy data capture
- Estimate of conversion probability in lead score

Generate a lead

- eKYC via Aadhar
- Prepopulate via MCA
- OCR for easy data capture
- Estimate of conversion probability in lead score

15minutes

Onboard the customer

  • KYC verification of PAN, driver's license, voter ID
  • Bank statement reader
  • Images of documents
  • Realtime credit bureau reports
  • Consent via OTP

Onboard the customer

  • KYC verification of PAN, driver's license, voter ID
  • Bank statement reader
  • Images of documents
  • Realtime credit bureau reports
  • Consent via OTP

Onboard the customer

- KYC verification of PAN, driver's license, voter ID
- Bank statement reader
- Images of documents
- Realtime credit bureau reports
- Consent via OTP

Onboard the customer

- KYC verification of PAN, DL, voter ID
- Bank statement reader
- Images of documents
- Realtime credit bureau reports
- Consent via OTP

30minutes

Verify paying capability

  • Personal discussion based on exhaustive templates
  • Occupation-based templates (e.g. livestock, trade)
  • Income sources (documented or undocumented)
  • Reference checks

Verify paying capability

  • Personal discussion based on exhaustive templates
  • Occupation-based templates (e.g. livestock, trade)
  • Income sources (documented or undocumented)
  • Reference checks

Verify paying capability

- Personal discussion based on exhaustive templates
- Occupation-based templates (e.g. livestock, trade)
- Income sources (documented or undocumented)
- Reference checks

Verify paying capability

- Personal discussion based on exhaustive templates
- Occupation-based templates (e.g. livestock, trade)
- Income sources (documented or undocumented)
- Reference checks

35minutes

Approve credit amount

  • Proprietary peer comparison highlights key differences between demographic / occupational peer group, enabling better decision making
  • Credit scoring
  • Legal / valuer reports for secured loans run as parallel processes to keep TAT low

Approve credit amount

  • Proprietary peer comparison highlights key differences between demographic / occupational peer group, enabling better decision making
  • Credit scoring
  • Legal / valuer reports for secured loans run as parallel processes to keep TAT low

Approve credit amount

- Proprietary peer comparison highlights key differences between demographic / occupational peer group, enabling better decision making
- Credit scoring
- Legal / valuer reports for secured loans run as parallel processes to keep TAT low

Approve credit amount

- Proprietary peer comparison highlights key differences between demographic / occupational peer group, enabling better decision making
- Credit scoring
- Legal / valuer reports for secured loans run as parallel processes to keep TAT low

40minutes

Complete documentation

  • eSign through biometrics
  • Stamp paper purchased on the fly / inventory maintained
  • NACH mandate
  • Set disbursement and first installment dates

Complete documentation

  • eSign through biometrics
  • Stamp paper purchased on the fly / inventory maintained
  • NACH mandate
  • Set disbursement and first installment dates

Complete documentation

- eSign through biometrics
- Stamp paper purchased on the fly / inventory maintained
- NACH mandate
- Set disbursement and first installment dates

Complete documentation

- eSign through biometrics
- Stamp paper purchased on the fly / inventory maintained
- NACH mandate
- Set disbursement and first installment dates

Loan disbursed!

Loan disbursed!

Loan disbursed!

Loan disbursed!