A digital LOS that takes a borrower from application to disbursal: onboarding, eKYC, bureau and bank statement checks, rules engine, underwriting, sanction, KFS, e-sign and e-NACH in one auditable workflow.
Web and app journeys for borrowers, DSAs and branch staff, with drop-off tracking and resume-anytime applications.
Aadhaar OKYC, CKYC search and upload, PAN verification, DigiLocker, video KYC, face match and liveness.
Bureau pulls (CIBIL, Experian, Equifax, CRIF High Mark), Account Aggregator consent and bank statement analysis.
Configurable eligibility, deviation and pricing rules, scorecards and auto-decisioning that credit teams edit without code.
Maker-checker queues, credit memos, deviation approvals by authority level, document checklist and full audit trail.
Auto-generated sanction letters, Key Fact Statement with APR, loan agreements and repayment schedule.
Aadhaar e-sign and e-stamp, e-NACH and UPI AutoPay mandate registration before disbursal.
Payout API integration for direct disbursal to the borrower's bank account, with penny-drop account validation.
DSA and LSP portals, co-lending splits and APIs for embedded-finance partners, with role-based access.
Borrower, DSA or partner API creates the application; consent is captured and logged.
eKYC, bureau pull and bank statement or Account Aggregator data are fetched automatically.
The rules engine approves, rejects or routes to an underwriter with the reasons attached.
Offer, Key Fact Statement and agreement are shared; the borrower accepts and e-signs.
e-NACH or UPI AutoPay is registered and funds go directly to the borrower's account.
Key Fact Statement with all-inclusive APR before the borrower signs, digitally signed documents shared on email or SMS, and a cooling-off period setting per product.
Disbursal directly to the borrower's account and repayments directly to the regulated entity, with no pass-through or pool accounts in the LOS.
Explicit, purpose-specific consent capture with logs, minimal data collection, and deployment on Indian cloud regions to support data localisation.
Every decision, deviation, document and status change is time-stamped with the user or rule that made it, ready for internal audit and inspections.
Compliance remains the lender's responsibility; we build the workflows and controls your compliance team specifies.
Share your loan products, monthly volumes and current systems. We reply within 24 hours.
Book a free scoping callA loan origination system is the software a lender uses to take a loan from application to disbursal: borrower onboarding, KYC, credit bureau and bank statement checks, a rules engine for eligibility and pricing, underwriting and approvals, sanction letter and Key Fact Statement, e-sign, e-mandate and disbursal.
Aadhaar OKYC, CKYC, PAN verification, DigiLocker, video KYC, Account Aggregator, bank statement analysis, credit bureaus (CIBIL, Experian, Equifax, CRIF High Mark), Aadhaar e-sign, e-NACH and UPI AutoPay mandates, payout APIs, SMS and WhatsApp. Integrations are chosen per project based on your vendors.
Yes. Eligibility, deviation and pricing rules and scorecards are configured in a business rules engine with versioning and approval, so credit policy changes do not need a code release.
Yes. Partner portals and APIs let DSAs, lending service providers and co-lending partners submit and track applications, with role-based access, loan-level splits and a full audit trail.
Yes. Appryze deploys on your AWS, Azure or Google Cloud account in an Indian region to support data localisation, and hands over the source code.