Lead capture, paperless KYC, eligibility, sanction routing and disbursal — for any loan product the bank configures, across a customer self-service portal and a branch staff workspace. CBS posting on the live path, NEFT file generation as a fallback.
The platform ships with no fixed catalogue. Each bank defines its own loan products — secured or unsecured, retail or enterprise — entirely through configuration. No code change, no release cycle, no waiting on a vendor.
Define a new loan product from a template — tenure, ticket band, security type, repayment structure — and publish it to branches the same day.
A visual rule engine for eligibility, scoring weights, FOIR/LTV caps and deviation routing — owned by the bank's credit team, not by us.
Per-product document sets with conditional rules — ask for what each applicant actually needs, nothing more.
Configurable interest grids, processing fees, insurance and subvention — by product, tenure or risk band.
Model your delegation of authority exactly — single officer, maker-checker, or multi-tier committee, per product and per amount.
Push the sanctioned loan to your core on the live path, or generate a NEFT/RTGS file as a fallback — same flow, any product.
Customers come in through the self-service portal. Branch staff work the pipeline in a dedicated workspace. Both speak to the same engine.
A 7-step paperless journey. Lead capture with OTP, product picker, Aadhaar eKYC or Offline XML or Manual, eligibility with live EMI sliders, document upload, status timeline.
Pipeline dashboard with a KPI strip, applications table, deep application detail with policy checks and a composite score, sanction routing, and a disbursal screen that posts to the CBS or generates the NEFT file.
Across every customer journey — existing-to-bank and new-to-bank — the order is the same. Video KYC refuses to start unless PAN-verified and DigiLocker-done flags are set.
CBS lookup for ETB customers, NSDL for NTB. Name & DoB matched against the application.
Government-signed documents fetched into the application — Aadhaar, PAN, driving licence, RC.
Aadhaar eKYC over OTP or biometric, or Offline XML upload, or Manual override for branch use.
Recorded session with an officer, captures live photo, signature and address geofence proof.
LOS is delivered with first-class connectors. We've integrated against most of the common cores and bureaus already — what's not listed, we'll build in the first sprint.
Customer creation, loan account creation, disbursal posting and EMI demand generation. Live and offline-file modes.
Credit bureau pulls, AA-based bank statement and GST data, fraud check APIs and ML scoring service.
UIDAI eKYC, DigiLocker pulls, NSDL eSign and Video KYC capture — all through India-Stack APIs.
NACH mandates, UPI AutoPay, NEFT/RTGS triggers, CERSAI registration and CKYC posting.
Containerised and declarative — run it on any public cloud, a private cloud, on-premise, or fully air-gapped. No managed-service lock-in, no single-cloud dependency.
LOS runs in the bank's own environment — your data never leaves it. Bring your own object store, database and key management.
An urban cooperative bank in Western India runs secured and MSME lending. A regional rural bank in the East runs housing and vehicle lending. A small finance bank uses LOS as the digital front-end to their legacy core. A multi-state credit society runs the full stack with EDMP. Names available under NDA on request.