Loan origination & management
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.
[ ]
weeks to configure a new product
100%
compliance coverage
Pan-India
multi-branch, multi-product
The problem
What legacy origination costs you.
Configuration takes months
Legacy LOS platforms need 3–6 months to stand up a new product. The market moves in weeks.
Oversight is a sample
Manual review reaches 2–5% of applications. The other 95% carries exposure, not oversight.
Spreadsheets don’t scale
Multi-branch, multi-product lending outgrows spreadsheet-and-email workflows quickly.
Partners need a real view
DSAs, co-lenders and BCs need a scoped, controlled pipeline — not a shared inbox.
Lifecycle
Sourcing through regulatory reporting, on one platform.
01
Sourcing
02
KYC / CKYC / V-CIP
03
Credit assessment (bureau + BRE)
04
Sanction
05
Disbursal (IMPS/NEFT/RTGS/UPI)
06
Servicing
07
Collections
08
Regulatory reporting (CIC)
Capabilities
Three layers, one platform.
Configuration layer
No-code product builder, workflow designer, business rules engine, approval hierarchy and UI builder. Lender-controlled — no vendor ticket required.
Orchestration layer
KYC and document intelligence, bureau integration, risk and fraud checks, disbursement and collections, wired into the same workflow.
Compliance infrastructure
Regulatory checkpoints at every stage, full audit trail, explainability, multi-jurisdiction support and a DPDP / Account Aggregator adapter.
Integrations
Works alongside your existing stack — no rip-and-replace.
Bureau
CIBIL · Experian · Equifax · CRIF · CERSAI
KYC
Aadhaar · CKYC · V-CIP · DigiLocker
Payments
IMPS · NEFT · RTGS · UPI
Signing & mandates
eSign · NACH
Loan products supported
Configured out of the box.
Personal loans
MSME lending
Supply Chain Finance
Home Loans / LAP
Questions
Answer first, detail after.
How long does it take to launch a new loan product?
[ ] weeks. The no-code workflow engine and BRE make product configuration a config change, not a dev sprint — fields, rules and approval paths are set by your business team directly.
Does Finnova replace our core systems?
No. Finnova integrates rather than replaces — it sits alongside your core banking, accounting and reporting systems through named adapters.
How does Finnova handle a new RBI circular?
A regulatory checkpoint is configuration, not code. A compliance rule change ships as a workflow update on the standard release cadence.
What does 100% compliance coverage mean?
Every application passes the same embedded regulatory checkpoints, instead of the 2–5% manual sample most legacy platforms rely on for audit.
Can partners work inside Finnova?
Yes. DSAs, co-lenders and BCs get a scoped, controlled view of their own pipeline rather than a shared inbox or spreadsheet handoff.
Is there downtime during a production release?
[ ] — rollback posture and release window are documented per engagement; see How We Work.
Yes. Branch hierarchy, role-based access and regional workflow variation are native to the platform, not a custom build.
Which bureaus and KYC rails are live?
CIBIL, Experian, Equifax, CRIF and CERSAI for bureau; Aadhaar, CKYC, V-CIP and DigiLocker for identity — through pre-built adapters.
See Finnova against your own product mix.
A walkthrough on your products, your branch structure and your reporting cadence.