Smart Loan Management Platform
Our Smart Loan Management Platform is a fully digital loan origination and servicing solution built on the Zoho ecosystem. It enables financial institutions and NBFCs to manage the complete loan lifecycle from application to repaymentwithin a single unified environment.
Designed to eliminate manual paperwork and disconnected verification processes, the platform digitizes borrower onboarding, identity verification, credit evaluation, document management, disbursement, and EMI tracking, ensuring faster approvals and improved customer experience.
What it Solves?
Manual loan application processes
Paper submissions and redundant data entry slow down approvals. The platform converts loan requests into a fully automated application flow.
Lack of credit eligibility transparency
Applications are automatically assigned for credit verification and eligible loan amounts are allocated instantly, improving visibility and decision accuracy.
Identity verification
delays
Aadhaar-based OTP authentication enables instant identity validation and secure auto-fetch of borrower demographic information.
Banking detail errors and disbursement delays
Real-time bank account validation using a ₹1 verification transaction ensures accuracy before disbursement.
Solution Overview
Digital Loan Request Interface
A web-based digital application experience built using low-code components.
Online loan request submission
Aadhaar OTP-based verification
Auto-fetch of DOB, address, and profile details
Salary and borrower data capture
Automatic initiation of internal approval workflows
Submitted applications converted into leads for further evaluation
Credit Score Evaluation and Eligibility Allocation
Loan requests are automatically assigned to employees for eligibility processing.
Automated lead assignment
Credit score validation
Eligible loan amount allocation
Instant customer notification of eligibility status
Loan Application and Bank Account Validation
Eligible borrowers receive access to a structured digital loan application form.
Auto-filled borrower information
Automatic EMI schedule generation
Bank detail submission
₹1 account verification through secure banking APIs
Application status updated to document verification stage
Customer Onboarding and KYC Verification
A fully automated onboarding and compliance process.
Automatic customer record creation
KYC verification initiation
Auto-approval upon successful KYC completion
Secure portal credentials shared with borrowers
Our Software's Workflow
Technology Stack Used
Zoho Creator
Zoho CRM
Zoho Flow
Zoho Analytics
Zoho Finance
Zoho Creator Customer Portal
Aadhaar OTP / Identity Verification API
Bank Account Validation (₹1 / Penny-Drop) API
Secure REST APIs
Key Features
- Digital loan application and borrower onboarding
Aadhaar OTP–based identity verification
PAN and KYC document verification
Automated credit score and eligibility evaluation
Bank account validation using ₹1 verification
Configurable approval workflows and role-based access
Automated loan disbursement and EMI schedule generation
Customer self-service portal for documents and repayments
EMI tracking with overdue and follow-up management automation
Why Choose Us?
We design, implement, and customize Zoho-powered platforms that align with your unique business workflows. Our team ensures seamless integration, automation, and long-term scalability helping you move from fragmented operations to a unified digital ecosystem.
