2
weeks to launch a new product — no-code workflow engine and BRE, not a dev sprint
100%
compliance coverage — regulatory checkpoints embedded at the platform layer, not a post-hoc audit sample
100%
regulatory changes shipped on schedule — see How We Work for the delivery cadence
5+
live integrations — CIBIL, Experian, Aadhaar, DigiLocker, UPI — pre-built adapters, not custom builds
The cost of doing nothing.
A new product takes 3–6 months to configure on a legacy LOS.
Manual review reaches 2–5% of applications.
The other 95% carries exposure, not oversight. Sampling was a reasonable compromise when the checks were manual — it stops being one the moment a regulator asks what happened on a specific file.
Every RBI circular becomes an unplanned sprint.
Because compliance was bolted on rather than built in, each change re-opens code instead of configuration. And growth means headcount growth, because underwriting doesn’t scale with the business.
One platform, every stage of the loan lifecycle.
Built for NBFCs, HFCs and ARCs running Personal, MSME, Supply Chain Finance and Home Loan/LAP products across a national branch hierarchy. Finnova covers sourcing through regulatory reporting on one platform — and works alongside your existing core, accounting and reporting stack rather than replacing it.
Sourcing & KYC
Credit & Sanction
Disbursal & Servicing
Collections & Reporting
Who we serve
NBFC
ARC
All segments
Challenges
A new product takes 3–6 months to configure on a legacy LOS
Multi-branch, multi-product lending outgrows spreadsheet-and-email workflows
CIC reporting handled as a recurring manual exercise
How we solve them
Product configuration as a config change, not a dev sprint
Branch hierarchy and role-based access native to the platform
Regulatory reporting built into the lifecycle, not bolted on
Vision, mission and values.
Vision
To be the infrastructure partner RBI-regulated lenders turn to first — delivering dependable, audit-ready lending technology that ships on schedule and scales with the business.
Mission
To equip NBFCs, HFCs and ARCs with production-grade lending infrastructure, configured rather than custom-built from scratch, so new products and regulatory changes go live in weeks, not months.
Values
We are dedicated to delivery, compliance and integrity — building configurable, audit-ready platforms that keep pace with regulatory change and give lenders confidence in every decision the system makes.
The people who own the platform
Two founders who have built lending platforms before — advised by people who have run risk and product inside NBFCs.
Vishwajeet Kumar
Domain, Product & GTM
Ten years in lending technology. Built LOS platforms for five to six lenders, with prior roles inside three NBFCs.
Dharmveer Singh
Partnerships, GTM & Compliance
Built the TRAI DLT platform, handling six billion transactions a month.
What Plugseal actually gives you
Finnova — LOS/LMS
Configure a new lending product in weeks, not months.
A no-code workflow engine and embedded compliance checkpoints, not a dev-sprint queue. Product configuration is a config change your business team makes directly — new fields, rules and approval paths, without a vendor ticket.
DocVault — Document Infrastructure
Built for the audit trail a regulator will actually ask for.
Multi-tenant document management with retention, retrieval and version control that holds up across branches and partners — instead of document sprawl spread between the LOS, ops and recovery.
Delivery & Managed Support
The team that ships your next regulatory change on schedule.
Not the ticket queue that ships it eventually. A named delivery cadence, published SLA tiers and a defined escalation path — so a new circular becomes a scoped change with a date, not an unplanned sprint.
RCU Compliance Agent
Regulatory checkpoints at the platform layer, not a post-hoc sample.
Automated fraud detection and policy-rule checks across the loan lifecycle, so RCU review is not the thing standing between a clean application and disbursal.
Trust and compliance, built into the platform
Platform-layer checkpoints
Every application passes the same embedded regulatory checkpoints — not a 2–5% manual sample
Full audit trail
Every decision reconstructable: which rule fired, on what data, at what time
Multi-jurisdiction
Workflow and reporting variation by state and regulator, configured rather than coded
DPDP & Account Aggregator
Consent, retention and data-sharing handled through a named adapter
Ready to see Finnova running on your products?
Plugseal Innovation Services Private Limited — Delta Arcade, 184-A-1, 18th Main Rd, opp. HSR Club, Sector 3, HSR Layout, Bengaluru, Karnataka 560102 · +91 77509 35832 · Vishwajeet@plugseal.in