Personal Loan Infrastructure Built for Instant Lending
Enable fast, high-volume personal loans on a digital lending platform designed for real-time credit decisions, frictionless borrower journeys, and scalable operations.
Power Unsecured Lending at Scale
Our Personal Loan Stack gives lenders complete control over origination, underwriting, and servicing—enabling faster launches with lower risk.
Supported Personal Loan Segments
Salaried Professionals
Pre-approved journeys with employer verification, payslip-based underwriting, and instant offers.
Self-Employed Individuals
ITR, GST, and bank statement-driven assessment with flexible documentation requirements.
Professionals & Freelancers
Income-based evaluation with contract verification and portfolio income assessment.
New-to-Credit Segments
Alternative data scoring, surrogate-based evaluation, and stepped limit assignment for first-time borrowers.
API-First Personal Lending Infrastructure
Embed personal loan journeys into your ecosystem using modular APIs for onboarding, credit decisioning, disbursal, and repayments—built for speed and scale.
Core Modules
Modules covering the entire personal loan lifecycle.
Digital Application & KYC
End-to-end digital onboarding with eKYC, video KYC, and document verification.
Credit Bureau Integrations
Real-time bureau pulls from CIBIL, Experian, Equifax, and CRIF.
Income & Employment Verification
Automated income verification via payslips, ITR, and employer databases.
Bank Statement Analysis
AI-powered cashflow analysis and income categorization from bank statements.
Rule Engine & Credit Policy
Configurable decisioning rules for segment-specific credit evaluation.
Offer, eSign & Disbursal
Digital offer acceptance, eSign workflows, and instant disbursement.
Loan Management System
Full LMS with repayment tracking, statements, and borrower servicing.
Collections & Repayment Automation
Support scalable personal loan collections with automated reminders, delinquency workflows, and portfolio-level monitoring.
Compliance Controls for High-Velocity Personal Lending
Regulatory-ready controls embedded across high-volume personal loan workflows
- Digital Lending Guideline Alignment: Fully aligned with RBI's digital lending framework and disclosure requirements.
- LSP-Compliant Workflows: Support for LSP integrations with compliant data sharing and consent flows.
- Consent Management: Built-in consent capture, audit trails, and decision logging.
- Co-Lending & DA Models: Ready for co-lending arrangements and direct assignment personal loans.
Segment-Specific Configurability
All lending logic is rule-driven, not hardcoded. Configure distinct policies for salaried, self-employed, and NTC segments without engineering effort.
End-to-End Personal Loan Journey
A typical loan journey powered by our stack—fully automated and configurable.
01 Application
Borrower applies via API or UI with basic details
02 Data Fetch
KYC, bureau, income & bank data pulled in real-time
03 Policy Evaluation
Segment-specific credit policy rules executed
04 Routing
Application routed to optimal product and lender
05 Offer Generation
Personalized offer created and presented
06 eSign & Disbursal
Digital agreement and instant fund transfer
07 LMS Sync
Loan synced to LMS with full reporting
01 Application
Borrower applies via API or UI with basic details
02 Data Fetch
KYC, bureau, income & bank data pulled in real-time
03 Policy Evaluation
Segment-specific credit policy rules executed
04 Routing
Application routed to optimal product and lender
05 Offer Generation
Personalized offer created and presented
06 eSign & Disbursal
Digital agreement and instant fund transfer
07 LMS Sync
Loan synced to LMS with full reporting
Launch and Scale Personal Loans Faster
See how our Personal Loan Stack fits into your lending architecture
Frequently Asked Questions
Find answers to common questions below.