Loan Management System for NBFCs – automate lending end-to-end
Digitize the entire loan lifecycle – origination, underwriting, disbursement, collection, and RBI reporting – with AI-assisted decisions and bank statement analysis built in.
Why NBFCs need a custom LMS
Manual loan processing leads to delays, errors, and high NPAs. 9ance.ai builds a complete loan management platform that digitizes the entire lifecycle, from online application to final settlement.
Online application with Aadhaar, PAN and Digilocker KYC
Credit bureau integration – CIBIL, Experian, Equifax
Rule-based + AI-assisted underwriting engine
Automated disbursement via UPI, NEFT, RTGS APIs
Collections, NPA tracking, and legal trigger workflows
RBI returns, GST filings, audit trails and board reports
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Core modules
Each module is independently deployable and integrates through a clean API layer.
Loan Origination System (LOS)
• Online application portal for customers and DSAs
• Aadhaar, PAN, Digilocker and eKYC integrations
• Credit bureau pulls with CIBIL, Experian, Equifax
• Configurable product templates per loan type
• Document management with version control
Underwriting Engine
• Rule-based decision engine with drag-and-drop policy editor
• AI-assisted decisions using Bank Statement Analysis
• Four-eye approval workflows and maker-checker
• Automated risk grading and pricing recommendations
• Override and exception management
Disbursement
• UPI, NEFT, RTGS and IMPS API integrations
• Sanction letter generation with e-sign
• Multi-bank payout orchestration
• Tax deduction at source (TDS) automation
• Digital loan agreement with Aadhaar e-sign
Collections & NPA
• Automated SMS, email, WhatsApp and IVR reminders
• Delinquency bucket tracking with rollover analytics
• Field collection app with geo-tagging
• Legal trigger workflows for 90+ DPD accounts
• Recovery dashboard with agent performance
Reporting & Compliance
• RBI XBRL returns (DNBS, CRILC, CKYCR)
• GST, TDS and Form 26AS reconciliation
• Full audit trail with immutable logs
• Board and regulator-ready dashboards
• Configurable reports and scheduled exports
Customer Portal & App
• Self-service loan status and statement download
• EMI payment via UPI, cards and wallets
• Foreclosure, top-up and prepayment flows
• Ticketing and chat support
• Referral and rewards program
Built-in intelligence
Every module ships with AI automation to reduce manual effort and improve decision quality.
Bank Statement Analysis
Extract income, expenses, bounce history and cash flow volatility from any PDF or Excel bank statement. Returns a 0-100 credit risk score.
Default Risk Prediction
Machine learning model scores likelihood of default per borrower. Reduces NPAs by up to 30% in the first year.
Document Fraud Detection
Computer vision flags forged KYC, tampered salary slips and photoshopped bank statements.
Credit Policy Optimizer
Continuous learning suggests policy tweaks based on portfolio performance and market trends.
Collection Propensity Scoring
Prioritizes accounts most likely to pay and routes them to the right recovery channel.
Voice-Bot Collections
AI-powered IVR bot handles first-level reminders in Hindi, English and regional languages.
Outcomes we delivered
Loan approval in 24 hours instead of 15 days
60% lower operational cost per loan processed
30% reduction in NPAs within the first year
Full compliance with RBI lending norms
Scalable from 500 to 5 lakh loans per month
Customer NPS improved from 32 to 71
Deployed for: Microfinance, vehicle finance, personal loans, SME lending and consumer durable NBFCs.
Works with your stack
24 hrs
Avg approval time
-30%
NPA reduction
5 lakh/mo
Scale tested
100%
RBI compliant
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