The full loan lifecycle, from first click to final repayment.
Six modules that work together or on their own, configurable for JLG, individual, MSME and secured lending.
Onboard borrowers and move applications to sanction, faster
Digital and assisted onboarding for branch, field and online channels, with every step tracked and auditable.
- Web, mobile and field-app onboarding
- eKYC, CKYC and document capture
- Credit bureau integration
- Configurable approval workflows
- Sanction letter and KFS generation
- e-Sign, e-Stamp and eNACH mandates
- Tailor-made product setup
- Live application tracking for borrowers and staff
- Who uses it
- Branch and field officers, credit teams, partner channels
- Key controls
- Maker-checker approvals, KYC and document checks, KFS before signing, full audit trail
- Integrations
- Credit bureaus, eKYC / CKYC, e-sign, e-stamp, eNACH
- Status
- Early access · Open for API integration
- 1Lead captured
- 2KYC verified
- 3Bureau and credit check
- 4Approval and sanction
- 5Disbursement
Sample workflow. Steps and approvals are configured for each lender.
Service every loan accurately, from disbursement to closure
A single system of record for the loan book, with schedules, charges and accounting that stay in sync.
- Loan booking and disbursement
- EMI, weekly and flexible schedules
- Interest accrual, charges and waivers
- Prepayment, foreclosure and restructuring
- DPD tracking and asset classification
- GL posting and regulatory reports
- Who uses it
- Operations, finance and accounts teams
- Key controls
- Interest and charge rules, approval for waivers and restructuring, DPD tracking, audit trail
- Integrations
- Core banking, general ledger and accounting, payment gateways
- Status
- Early access · Open for API integration
- 1Loan booked
- 2Schedule generated
- 3Repayments posted
- 4DPD and provisioning
- 5Closure and NOC
Sample workflow. Steps and approvals are configured for each lender.
Consistent credit decisions, with policy you control
A configurable rule engine that applies your credit policy the same way every time. The final decision always stays with your credit team.
- Configurable credit policy rules
- Bureau and alternate data inputs
- Scorecards and eligibility checks
- Deviation and approval matrix
- Full audit trail of every decision
- Policy changes without code
- Product-wise rule sets, configured per loan product
- Who uses it
- Credit and risk teams, product managers
- Key controls
- Versioned credit policy, approval before a rule goes live, every decision logged with its reason
- Integrations
- Bureau data, KYC results, your own scorecards via API
- Status
- Early access · Open for API integration
- 1Application data
- 2Policy rules applied
- 3Score and eligibility
- 4Deviations routed
- 5Decision recorded
Sample workflow. Steps and approvals are configured for each lender.
Collect on time, reconcile in real time
Digital and field collections with automated repayments and reconciliation, designed around fair practices for borrowers.
- Field collections app with offline mode
- eNACH and UPI AutoPay presentations
- UPI and payment-link repayments
- Real-time reconciliation
- DPD buckets and case allocation
- Digital receipts for every payment
- Who uses it
- Collections teams, field agents, supervisors
- Key controls
- Fair-practice scripts and contact rules, digital receipts, case allocation by DPD bucket
- Integrations
- eNACH and UPI AutoPay, payment links, SMS and WhatsApp providers
- Status
- Early access · Open for API integration
- 1Dues scheduled
- 2Auto-debit presented
- 3Field or digital collection
- 4Reconciled to the loan
- 5Receipt sent
Sample workflow. Steps and approvals are configured for each lender.
Turn operational data into decisions
Data, automation and AI-assisted workflows that improve visibility and decision support, with people staying in control of credit decisions.
- Portfolio dashboards and MIS
- Early-warning signals on delinquency
- Document reading and data extraction
- Branch and field performance insight
- Plain-language queries on your data
- Automated regulatory and board reports
- Who uses it
- Management, risk and branch heads
- Key controls
- People make every credit decision; insights are advisory and explainable
- Integrations
- Data from LOS, LMS and collections, plus your existing MIS
- Status
- Early access · Open for API integration
- 1Data collected
- 2Cleaned and connected
- 3Insights generated
- 4Alerts raised
- 5Action taken
Sample workflow. Steps and approvals are configured for each lender.
Connect every partner in the lending chain
Integrations with banks, bureaus, KYC providers, payment rails, co-lending partners and your internal systems.
- Bureau and KYC integrations
- Bank and payment rail connectivity
- Co-lending partner data exchange
- Webhooks and real-time events
- Secure, per-partner access control
- Integration with accounting and CRM
- Who uses it
- Your IT team, co-lending and technology partners
- Key controls
- Per-partner access keys, role-based permissions, logged requests
- Integrations
- Open for API integration with any bureau, KYC, payment, core banking or partner system
- Status
- Early access · Open for API integration
- 1Partner onboarded
- 2Credentials secured
- 3APIs connected
- 4Data exchanged
- 5Monitored and audited
Sample workflow. Steps and approvals are configured for each lender.
Engineered as an operating foundation, not just another application.
A layered approach keeps customer experiences, business applications, intelligence, integrations and data connected without making the architecture unnecessarily complex.
Branded web and mobile journeys for borrowers, branches, field teams and partners, in vernacular languages borrowers understand.
Select a layer to see what it does.
Architecture, integrations & security
What lenders ask about first, answered plainly.
Every user sees and does only what their role allows, with maker-checker approval on sensitive actions.
Each change, approval and decision is logged with who did it and when.
Borrower and lending data is stored on servers located in India.
Data is encrypted to protect it from unauthorised access.
Cloud, private cloud or on-premise, to match your IT and regulatory policy.
Ready to connect over APIs with any bureau, KYC provider, payment rail, core banking or partner system.
Three ways to work with us
Our own cloud-based lending platform. Join as an early partner and help shape the roadmap.
Join early access →Platforms from our technology partners, implemented and supported by Kredova.
Discuss partner platforms →Already chosen a system? We help you select, configure, migrate and roll it out to your branches.
Plan an implementation →Bring us your complex problem.
We'll bring financial-services thinking, technology and execution to the table.