Every file, and exactly where it is stuck
Loan applications stall for days on a missing document, and nobody can say which file is waiting on what. We build the system that tracks every application stage by stage, chases the pending documents on its own, and tells you the turnaround time before a customer has to ask.
Enquiry · KYC & documents · Credit · Disbursement · EMI · Collections
The loan is approved in an hour. The file takes eleven days.
Credit teams are fast. What is slow is everything around them — the wait for a bank statement, the re-request for a clearer PAN, the file sitting in an inbox. Almost all of the turnaround time is spent not deciding.
Average days a file spends at each stage
Chasing what is missing
The actual decision
Approval and acceptance
Final checks and release
Median turnaround, application to disbursal
Cut the document wait and the whole turnaround falls — the credit team was never the slow part.
Illustrative, confirmed against your own file data in discovery.
Document & KYC desk
The stage that eats the days, made to run itself. Each file carries its own checklist, chases the customer for what is missing, and only moves to credit when it is genuinely complete — no half-filled files clogging the queue.
PAN card
Matched to bureau
Aadhaar (KYC)
e-KYC complete
Salary slips · 3 mo
Uploaded 14 Oct
Bank statement · 6 mo
Reminder sent 2h ago
ITR · last 2 years
Name mismatch — re-requested
File held from credit until complete — no half-filled file reaches the credit queue.
From the first enquiry to the last EMI
A loan is not closed at disbursal — it runs for years of repayment and, sometimes, recovery. The same system carries it the whole way.
Sourcing
- Multi-channel lead capture
- DSA & connector tracking
- Eligibility pre-check
- Product & scheme matching
Onboarding
- Document & KYC desk
- e-KYC & verification APIs
- Credit assessment queue
- Sanction & offer letters
Servicing
- Disbursement tracking
- EMI schedule & reminders
- Foreclosure & top-up
- Statement & certificate requests
Collections
- Bucket-wise collections
- Field recovery allocation
- Payment & settlement tracking
- Compliance-safe communication
Tell us your turnaround time, honestly
Most lenders quote the credit-decision time and forget the eleven days around it. Show us where files actually wait, and we will show what an automated document desk would recover.
- Every file tracked stage by stage, with live TAT
- Missing documents chased automatically
- KYC and bureau checks inside the file
- Collections that stay within the rules