Built on OutSystems ODC
Integrated Loan Origination & Management
⚡ OutSystems ODC · REST/SOAP APIs · CKYC Registry · Azure Cloud · CI/CD
End-to-end digital lending platform for capital finance. LOS + LMS in one system — from CKYC onboarding through origination, parallel review, sanctions, securities and covenant monitoring. India-ready architecture.
70%Reduction TAT
90%Paperless
100%Audit Trail
50%Faster (∥ Review)
6-Stage Origination Pipeline
01
Register & CKYC
OTP + PAN/Aadhaar
02
Lead Application
Intent + Category
03
Basic Application
Borrower+Project Data
04
Appraisal
Eligibility Check
05
Detailed + ∥ Review
Legal + Project
06
Sanction Letter
Auto-Generated
SolarWindHybridThermalTransmissionHydroNon-Capex
Platform: OutSystems ODC · Visual Dev · Built-in CI/CD · One-click deploy · Cloud & On-Prem · REST/SOAP APIs
LOS Module
Complete Borrower Journey — 6 Stages.
Register & CKYC
OTP onboarding. CKYC fetch from CKYCR (CERSAI). PAN/Aadhaar verification. Returning user login. Auto-population of name, address, PAN, DOB across application.
CKYC API14-digit IDRBI Mandated
Lead → Basic Application
Project intent, loan category (Solar/Wind/Hybrid/Thermal/Transmission/Hydro/Misc/Non-Capex), entity type capture. Borrower, project & loan data auto-populated from lead.
8 Loan TypesState/Private
Preliminary Appraisal
Instant eligibility computation for Solar/Wind/Hybrid (private borrowers). Transaction fee calculation. Auto-populated from application data. Real-time validation.
Rules EngineInstant Calc
Parallel Review (Innovation)
Legal Team: Title search, security docs review, MOA drafting — simultaneously with — Project Team: Technical appraisal, cost & viability check, environment clearance. 25–30 days → 12–15 days.
50% Faster TATParallel Workflow
Auto Sanction Letter
All fields auto-populated: borrower name, sanctioned amount, loan type, interest rate, tenure, conditions. Digital-signature ready. PDF generation. Committee resolution linkage.
Auto-GenerationDigital Signature
Maker-Checker at Every Stage
Creator → Approver dual control at every stage. Full timestamp trail. Email alerts on each step. Client acceptance workflow. RBI audit-ready from Day 1.
Dual ControlRBI Ready