Sector • NBFC

Scale Your NBFC Loan Book Faster with
AI-Native Origination & Servicing.

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.

Launch new credit products in days, automate cash-flow and bureau underwriting, and manage end-to-end servicing, collections, and bank co-lending on one RBI Scale-Based Regulation (SBR) compliant platform.

Talk to Our Team See How It Works

Bank-grade security & ISO 27001

Measurable Impact Across
Your NBFC Portfolio

5x Faster Disbursals

Cut Lead-to-Disbursal TAT from days to minutes with straight-through digital workflows.

45%Lower OpEx per Loan

3xUnderwriter & DSA Output

100%RBI SBR & KFS Compliant

35% Lower Early Delinquencies

Reduction in 0–30 DPD & SMA Roll-Forwards

Prevent early-bucket bounce rates and curb NPA slippages with automated e-NACH presentation, early warning signals, and omnichannel collections.

Straight-Through Underwriting

Automate KYC, multi-bureau pulls, GST/ITR/AA cash-flow spreading, and BRE credit scoring.

Co-Lending & Direct Assignment Ready

Scale off-balance-sheet partnerships with banks via automated CLM-1/CLM-2 split accounting and escrow sync.

Built for the speed and
agility of modern NBFCs.

Rapid Product & BRE Configuration

Launch and iterate unsecured retail, MSME cash-flow, vehicle, or gold loan journeys in days using a no-code Business Rule Engine—zero vendor wait times.

Omnichannel Sourcing to Servicing

Connect DSA portals, embedded fintech APIs, field RM apps, and central credit teams into a unified LOS and LMS with automated payout accounting.

Institutional Risk & RBI Governance

Stay perpetually ready for RBI Scale-Based Regulation (Base, Middle, and Upper Layer) with automated KFS generation, penal charges compliance, and immutable audit trails.

High disbursal growth shouldn't
mean rising operational chaos.

Fragmented workflows

Multiple systemsDisconnected lead CRMs, LOS, Excel scorecards, LMS, and tally/accounting sheets.
Multiple teamsFriction across DSAs, field sales, credit underwriters, operations, and tele-calling agencies.

Limited visibility & control

Siloed dataBlind spots across partner sourcing quality, first-EMI bounce (FEMI) trends, and bucket-wise collections.
Changing policiesSlow IT bottlenecks when tweaking credit scorecards, co-lending rules, or RBI Digital Lending norms.

Every stage of NBFC lending, unified end to end.

Sourcing & onboarding

Provide a high-conversion omnichannel onboarding experience across DSA/connector apps, field RMs, digital web journeys, and embedded partner APIs.

Pre-Integrated India Stack & KYCInstant PAN, Aadhaar eKYC, Video KYC (V-KYC), CKYC lookup, and Udyam verification.
DSA & Partner PortalDedicated partner onboarding, lead deduplication, real-time status tracking, and automated commission sub-ledgers.
Automated Document IntelligenceInstant OCR parsing and fraud/tamper detection for bank statements, GST filings, and salary slips.
Embedded & API SourcingPlug-and-play REST APIs to ingest leads directly from consumer apps, marketplaces, and dealership POS terminals.

Credit underwriting

Combine bureau, alternative data, and financial cash flows to underwrite borrowers in minutes with explainable, automated Credit Appraisal Memos (CAM).

Automated Financial SpreadingTriangulate Account Aggregator (AA) bank statements, GST returns, and ITRs without manual spreadsheet work.
Multi-Bureau & Fraud ChecksReal-time retail and commercial pulls (CIBIL, Experian, CRIF, Equifax) with hunter/fraud database screening.
No-Code Business Rule Engine (BRE)Configure custom scorecards, FOIR/LTV matrices, and risk-based pricing dynamically by borrower segment.
Field Investigation & ValuationMobile workflows with geo-tagging for CPV/FI agencies, legal opinions, and collateral valuation.

Sanction & disbursement

Route applications through automated or multi-tier credit hierarchies and trigger instant payouts with zero manual re-keying.

Tiered Deviation & Approval MatricesAuto-approve green-channel files via STP while routing policy deviations to designated credit managers.
RBI Digital Lending ComplianceAuto-generate localized Key Fact Statements (KFS) with APR, cooling-off terms, e-Sign agreements, and e-NACH/UPI Autopay mandates.
Instant Penny-Drop & DisbursalVerify borrower bank accounts and trigger direct-to-borrower or dealer payouts via integrated banking APIs.
Co-Lending Split ExecutionAutomatically match eligible loans to bank co-lending pools (CLM-1 / CLM-2) with real-time escrow instructions.

Servicing & monitoring

Manage high-volume loan lifecycles, complex restructurings, and co-lending pool reconciliations while monitoring portfolio health in real time.

Flexible LMS AccountingSupport reducing/flat rates, broken-period interest, moratoriums, flexi/dropline overdrafts, and part-prepayments.
Co-Lending & Securitisation (DA/PTC)Automated pool tagging, 80:20 dual-ledger accounting, partner payout waterfalls, and tri-party reconciliation.
Automated Statutory FilingsSeamless CERSAI charge creation, CKYC uploads, NESL submissions, and periodic multi-bureau reporting.
Portfolio & Vintage AnalyticsTrack Early Warning Signals (EWS), first-EMI defaults (FEMI), DSA portfolio quality, and Ind-AS ECL provisioning.

Collections & recovery

Arrest roll-forwards across DPD buckets and maximize recovery rates with AI-prioritized digital nudges, tele-calling, and field collection workflows.

Bounce & Bucket ManagementAutomated workflows for pre-due nudges, e-NACH/UPI Autopay representation, and 1–30 / 31–60 / 61–90 DPD allocation.
Omnichannel Digital CollectionsAutomated WhatsApp, SMS, IVR, and email campaigns with embedded one-click UPI payment links.
Geo-Tagged Field & Agency AppAllocate cases to in-house field executives or external DRA-certified agencies with live route tracking and digital receipts.
Legal & Settlement WorkflowsManage Section 138 / Section 25 notices, arbitration, repo/yard management, and OTS (One-Time Settlement) approvals.

Loan products we support

Retail & Consumer Lending

Personal Loans, Consumer Durable / BNPL Loans, Two-Wheeler & Auto Loans, Education Loans.

MSME & Commercial Lending

Unsecured Business Loans, Supply Chain & Invoice Discounting, Working Capital / Dropline OD, Machinery Loans.

Secured & Asset-Backed Lending

Loan Against Property (LAP), Gold Loans, Commercial Vehicle & Construction Equipment Finance, Loan Against Shares (LAS).

Co-Lending & Institutional Partnerships

NBFC–Bank Co-Lending (CLM 1 & CLM 2), Business Correspondent (BC) Lines, Securitisation (DA / PTC 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.

Scale Your NBFC Loan Book Faster with
AI-Native Origination & Servicing.