Built for NBFC and NBFC-MFI CTOs. From first disbursal to ₹5,000Cr book.
We engineer LOS, LMS, EMI collections, and reconciliation systems for NBFCs and NBFC-MFIs scaling from MVP to RBI-ready. Pre-built module map, pre-validated integrations, compliance-first architecture.
A complete lending stack. A solution page for each.
Every stage of your lending lifecycle has a regulator watching. We build platforms that know that.
Origination, servicing, collections, reconciliation — each carries a distinct regulatory obligation. We bake them in at the right architectural layer, not the right policy document.
KFS issuance, bureau-first underwriting, KYC orchestration (eKYC / CKYC / video-KYC), grievance redressal SLAs.
IRAC NPA as real-time events, T+0 GL posting, RBI returns, DPD-triggered customer comms.
FPC calling windows, consent-based field visits, recording retention, settlement audit trail.
DPDP data handling, RBAC + encryption, IT Outsourcing audit posture, evidence pack on demand.
MVP stack and RBI-ready stack are not the same stack.
The transition isn't a refactor. It's a reset of identity, audit logging, data residency, vendor management, and incident response.
- Replace legacy LOS without disrupting servicing, sequenced migration
- Deliver compliance-grade UAT cadence (5-sprint)
- Integrate bureaus, BSA, eKYC, eSign, payment rails on day one
- Stand up audit evidence packs for RBI inspection
- Wire reconciliation into operations, not into a spreadsheet
- Senior engineers in the UAT room, not a status email thread
Yes, this applies to NBFC-MFIs.
Our LOS, LMS, collections, and reconciliation engineering applies directly to NBFC-MFIs. The QR cash-collection reconciliation work is the closest delivered proof in field-collection operations. Group-lending (JLG) and centre-meeting workflows are adjacent capability built on our LOS module library. A JLG-specific engagement is the right fit when those flows are the operating bottleneck.
NBFC and NBFC-MFI engineering, what CTOs ask before engaging.
ICP fit, multi-module rollouts, co-lending support, RBI compliance scope, Tier-2/3 ops support.
What size NBFC or NBFC-MFI is your typical engagement?
₹100Cr–₹5,000Cr AUM is the sweet spot for both NBFCs and NBFC-MFIs. Below ₹100Cr, a SaaS lending platform is usually more economic until volume justifies a custom build. Above ₹5,000Cr we engage as a senior architecture partner rather than a build-from-scratch vendor. Digital lending startups and small MFIs scaling to RBI-ready are a separate segment.
Can you handle the full lending stack, LOS, LMS, collections, reco?
Yes, all four are core specialties. Most engagements start with one (LOS replacement or reconciliation) and scale into adjacent modules as the platform proves itself. Some clients run LOS + LMS + collections + reco end-to-end; others integrate our reco engine into a third-party LMS.
How do you sequence a multi-module rollout (LOS + LMS + collections)?
Origination first (LOS), that's where revenue starts. Servicing (LMS) second for the loans the new LOS originates. Collections third, wired to LMS NPA events. Reconciliation often runs in parallel from day one since it's source-agnostic, it pulls from existing data while the rest is being built.
What about co-lending with partner banks?
First-class. Split logic, partner ledgers, settlement workflows, and FLDG accounting are integrated into the LOS GL schema, not bolted on. Multi-partner co-lending (an NBFC with two-plus bank partners simultaneously) is supported, with partner-attributed default exposure tracked at the loan level.
Is RBI compliance built-in or do we need a separate compliance partner?
Built-in for engineering compliance (RBI DLG, DPDP, IT Outsourcing alignment in architecture). For policy-level work (filings, charter reviews) you still need internal compliance officers or external counsel. Our platform produces the evidence packs RBI inspectors review, it doesn't replace your CO.
Talk to us before the inspection notice arrives. Not after.
If you're feeling the compliance wall, bureau costs, audit asks, co-lending NDA arriving, we can map a sequenced path that doesn't halt your book.