Sector • HFC

Cut Home Loan Turnaround Times from Weeks
to Days with AI-Native Mortgage Software.

Q: Can Rewafin integrate with our existing systems?

Yes. Rewafin is API-first and connects to credit bureaus, KYC providers, accounting and payment rails, and works alongside the systems you already run.

Q: Can different teams have different workflows?

Yes. Branches, credit, risk, operations and recovery teams can each work in their own configured workflows and approval paths.

Q: Is Rewafin built for regulatory and audit requirements?

Yes. Role-based access, complete audit trails and pre-configured regulatory reporting are built into the platform.

Q: Can Rewafin support risk and portfolio monitoring?

Yes. Early-warning signals, portfolio dashboards and risk analytics help teams spot stress early and act on it.

Win the best borrowers and builder partnerships with faster sanctions. Automate salaried and informal-income underwriting, orchestrate parallel legal and technical property verifications, and manage 20-year loan lifecycles on an RBI and NHB compliant platform.

Talk to Our Team See How It Works

Bank-grade security & ISO 27001

Measurable Impact Across
Your Mortgage Book

60% Faster Sanction TAT

Issue In-Principle Home Loan Sanctions in hours and cut Legal-to-Disbursal cycles by more than half.

40%Lower Origination Cost

2.5xCredit & Legal Ops Output

100%RBI & NHB Audit Ready

30% Lower Early Mortality & NPA

Reduction in Technical/Title Risk & SMA Slippages

Protect long-tenure asset quality with APF project validation, CERSAI duplicate-charge checks, early warning signals, and automated SARFAESI workflows.

Parallel Legal & Technical Routing

Trigger credit underwriting, external legal title search, and technical site valuation simultaneously—no sequential bottlenecks.

Formal & Informal Income Underwriting

Underwrite both salaried ITR borrowers and cash-salaried/self-employed Affordable Housing buyers with field PD apps.

Tranche & NHB Refinance Ready

Manage construction-linked stage disbursements, floating-rate resets, and NHB refinance/co-lending pool tagging effortlessly.

Built for the long-tenure
complexity of housing finance.

Multi-Applicant & Property Collateral Engine

Handle complex family co-applicant structures, clubbed household incomes, Approved Project Financial (APF) builder databases, and multi-property cross-collateralization seamlessly.

Synchronized Credit, Legal & Technical Workflows

Eliminate the #1 cause of mortgage delays. Collaborate with panel advocates, civil engineers/valuers, FI agencies, and central underwriters in a single real-time workspace.

25-Year Lifecycle & Regulatory Governance

Built from the ground up for RBI HFC Master Directions and NHB norms—covering LTV/risk-weight slabs, Pre-EMI to EMI conversions, EBLR/PLR rate resets, CERSAI, and title deed vault custody.

Long-term mortgages shouldn't suffer from
agonizingly slow origination cycles.

Fragmented workflows

Multiple systemsDisconnected DSA apps, LOS, email-based legal/valuation reports, Excel CAMs, and legacy LMS.
Multiple teamsConstant back-and-forth between sales RMs, credit managers, panel lawyers, technical valuers, and central ops.

Limited visibility & control

Siloed dataZero live visibility into pending original title deeds (OTC/PDD), builder stage completion, or branch sanction-to-disbursal drop-offs.
Changing policiesComplex manual tracking for RBI LTV/risk-weight slabs, KFS disclosures, PMAY/CLSS subsidy claims, and NHB refinance reporting.

Every stage of housing and mortgage lending, unified end to end.

Omnichannel sourcing & co-applicant onboarding

Capture home loan and LAP leads from builder sites, DSAs, connectors, and branches while onboarding primary applicants and family co-applicants in parallel.

Builder APF & DSA PortalsDedicated portals for DSAs and developer sales teams to submit leads, check Approved Project Finance (APF) status, and track sanction milestones.
Multi-Applicant & Family OnboardingSeamless eKYC, PAN, CKYC, and relationship linking for primary borrowers, earning/non-earning co-applicants, and guarantors.
Document OCR & Property ChecklistAutomated classification and parsing for salary slips, ITRs, GST returns, bank statements, and state-specific property chain documents.
Instant In-Principle Sanction EngineGenerate instant digital provisional sanction letters based on bureau scores and declared income to help homebuyers lock in property bookings.

Credit, Personal Discussion (PD) & property valuation

Assess borrower repayment capacity and property collateral simultaneously—supporting both prime salaried profiles and informal-income affordable housing segments.

Formal & Cash-Flow Income SpreadingAutomated analysis of ITR, GST, and Account Aggregator bank flows alongside structured field Personal Discussion (PD) apps for informal/cash-income assessment.
Parallel Legal & Technical PortalAssign cases automatically to empanelled advocates (TSR/Legal Scrutiny Report) and technical valuers with geo-tagged property photos and floor-stage verification.
Automated FOIR, LTV & Risk-Weight EngineCalculate clubbed family FOIR and enforce RBI regulatory LTV caps (90% / 80% / 75% by ticket size) and risk-weight classifications automatically.
CERSAI & Title Fraud ScreeningPre-disbursal CERSAI search, RERA registration lookup, and dedupe checks to prevent multiple financing on the same property.

Sanction, PDD control & tranche disbursement

Move sanctioned mortgages through pre-disbursal legal checks, Memorandum of Deposit of Title Deeds (MODT), and builder tranche schedules with ironclad operational control.

Multi-Tier Credit & Deviation MatricesRoute high-ticket LAP and deviation proposals through regional and central credit committees with full CAM audit histories.
OTC & PDD Document GovernanceStrict maker-checker controls and automated follow-up trackers for Original Title Documents (OTC) and Post-Disbursal Documents (PDD).
RBI KFS & Mortgage DocumentationAuto-generate localized Key Fact Statements (KFS), sanction letters, MODT checklists, e-Sign agreements, and e-NACH mandates.
Construction-Linked Tranche DisbursalVerify builder demand letters against technical construction-stage progress before triggering direct-to-builder or balance-transfer (BT) payouts.

Long-tenure servicing, vault & refinance

Manage decades-long mortgage lifecycles, rate resets, physical title deed custody, and institutional refinancing effortlessly.

Pre-EMI, Tranche & Floating Rate EngineNative support for Pre-EMI (PEMI) interest servicing, automatic PEMI-to-EMI conversion upon possession, and RBI-compliant PLR/EBLR rate-reset communications.
Physical Title Deed Vault & Release TrackingBarcode-based tracking of original property document packets at central storage vaults, ensuring RBI-mandated 30-day deed release upon loan closure.
NHB Refinance, Co-Lending & SecuritisationAutomatically tag affordable housing, rural, and green-housing loans for NHB Refinance schemes, PMAY subsidy claims, Bank Co-Lending, and DA/PTC pools.
Post-Disbursal Statutory FilingsAutomated CERSAI charge creation/modification/satisfaction, property insurance renewal alerts, and annual interest/principal tax certificates (Section 24 / 80C).

Collections, SARFAESI & mortgage recovery

Protect portfolio yield and resolve delinquencies swiftly with early bounce intervention, field collection apps, and specialized SARFAESI enforcement workflows.

Pre-Due & Early Bounce InterventionAutomated e-NACH presentation and multi-channel WhatsApp/SMS/IVR nudges to resolve technical bounces before accounts slip into SMA-0/1/2.
Geo-Tagged Field Collection AppEquip field executives with mobile route planning, borrower visit logging, and instant digital payment collection for cash/cheque/UPI recoveries.
End-to-End SARFAESI Workflow EnginePurpose-built legal tracker for Demand Notices (Section 13(2)), Symbolic/Physical Possession (Section 13(4) & DM/CMM orders), valuation, and e-Auction notice timelines.
Restructuring & Settlement ControlsManage RBI-compliant tenure extensions, top-up/balance-transfer retention offers, and compromised OTS approvals with complete audit trails.

Loan products we support

Retail Home Loans (Prime & Affordable)

Home Purchase Loans (Ready & Under-Construction), Self-Construction & Plot + Construction Loans, Affordable & Rural Housing Loans (PMAY / NHB Linked), Home Extension & Renovation Loans.

Balance Transfer & Top-Up Mortgages

Home Loan Balance Transfer (BT), Top-Up Loans on Existing Mortgages, Non-Resident Indian (NRI) Home Loans.

Loan Against Property (LAP) & Commercial

Residential & Commercial LAP, Lease Rental Discounting (LRD), Commercial Plot / Office / Shop Purchase Loans, Micro-LAP for MSMEs.

Developer & Institutional Finance

Construction Finance / Builder Project Loans, Approved Project Finance (APF) Tie-Ups, HFC–Bank Co-Lending & NHB Refinance Pools.

Explore the
Rewafin product ecosystem.

Trusted by lending institutions

“The flexibility of the platform allows us to adapt workflows as our business evolves, without rebuilding the process.”
Arjun MenonChief Operations Officer · Meridian Finance
“Rewafin helped us bring multiple lending workflows into one connected system, giving our teams much better visibility across the process.”
Amit MehtaChief Operations Officer · Aarohan Finance
“We now have a much clearer view of applications, decisions and portfolio activity without having to switch between disconnected systems.”
Neha KapoorHead of Digital Lending · Nexora Bank

Frequently
asked questions

Still unsure? Our lending specialists are happy to walk through the specifics for your institution.

Talk to our team

Can Rewafin support multiple lending products?

Yes. Rewafin provides configurable workflows that can support different lending products and operational processes within one platform.

Can Rewafin integrate with our existing systems?

Can different teams have different workflows?

Is Rewafin built for regulatory and audit requirements?

Can Rewafin support risk and portfolio monitoring?

Ready to modernize your lending operations?

Connect your lending workflows, teams and systems with Rewafin.

Start a conversation Talk to sales

See Rewafin end to end.

Cut Home Loan Turnaround Times from Weeks
to Days with AI-Native Mortgage Software.