Digital loan origination for banks and NBFCs — application capture, credit decisioning, multi-stage workflows and disbursement handoff in one platform.
Product overview of how institutions use Retail Loan Origination across real financial operations.
Retail Loan Origination digitizes the complete retail loan origination journey — application intake, KYC and e-KYC verification, underwriting and credit decisioning, through to disbursement handoff.
It supports N-tier organizational hierarchies — head office, zone, region and branch — with configurable sourcing channels, allocation rules and role-based workflows at each level.
Auto, mortgage, personal, education, gold and credit card lending run on one origination engine, so institutions add products without adding systems.
Credentra One for customers and Lend Precision for sales and relationship teams — complementary channels under Loan Origination.
A digital loan application and acquisition channel for customers. View loan offers based on income and credit profiles, then apply through the web portal or mobile app.
An intuitive application experience designed to reduce application friction and processing turnaround time.
Request DemoA mobile application for sales teams and relationship managers to initiate applications on behalf of customers, conduct verifications and underwriting activities, and upload documents.
Track applications generated through Credentra One, the B2C channel. Integrated with the existing Ebix Fintech loan origination platform.
Request DemoPlatform capabilities that modernize digital loan origination across products and channels.
Capture applications through branch, B2B and B2C mobile apps, self-service portals and partner channels in one intake engine.
Aadhaar/UIDAI-based e-KYC with biometric verification, document capture and offline-capable field data entry.
Attribute-based and weighted scorecards, income and eligibility rule engines, and configurable approval matrices covering FOIR, LTV and risk-based pricing.
Route applications through data entry, pre-underwriting, verification and underwriting pools with full audit trails.
Structured checklists, e-signature integration and secure document storage tied to each application.
Hand off approved loans cleanly to the Loan Management System, core banking and GL systems through pre-built connectors.
Retail Loan Origination supports product-specific workflows, policies and decisioning on a common enterprise origination foundation.
Configure dealer networks, vehicle evaluation, multi-variant funding and dealer-facing payout workflows.
Support property and customer evaluation, legal and technical review, and construction-linked drawdown workflows.
Capture multi-channel applications, apply configurable eligibility and rules, and integrate with card-management systems.
Use multi-channel acquisition, eligibility and application scorecards, configurable workflows and direct remittance.
Configure institution evaluation, course-linked disbursement, moratorium rules and education-specific funding components.
Apply bureau-based evaluation, application scorecards, dealer and product setup, and configurable consumer-finance workflows.
Support collateral-based eligibility, gold appraisal, periodic valuation, flexible pricing and repayment configurations.
Modular components of an enterprise lending platform you can deploy and expand by product line.
Product-specific forms with real-time eligibility checks across auto, mortgage, personal, gold and card lending.
Bureau data, existing relationships and prior transaction history in one underwriting view.
Deviation cards, manual override tracking and collaborative review tools for underwriters and managers.
Decision-key-based pricing, product configuration and eligibility rules — copy, adapt and launch new products fast.
Pre-built connectors to credit bureaus, KYC providers, CRM and core banking.
Track approval rates, turnaround time, deviation frequency and channel-wise conversion in real time.
A controlled digital lending flow designed for speed, policy compliance and operational clarity.
Intake applications via branch, mobile app or partner portal.
Run e-KYC, document checks and field investigation.
Apply scorecards, eligibility rules and risk-based pricing.
Approve, refer or decline through a defined approval matrix.
Hand off cleanly into the Loan Management System and core banking systems.
Compress origination cycles with parallel verification and automated routing.
Apply consistent scorecards and deviation controls across every channel and product.
Add loan products through configuration, not custom development cycles.
Maintain full audit trails across data entry, underwriting and approval stages.
Retail loan origination across branch and digital channels.
High-volume consumer and dealer-linked lending with partner networks.
Mortgage origination with documentation-heavy long-tenor workflows.
Multi-product lenders standardizing origination across portfolios.
Retail Loan Origination connects with commercial origination, servicing, collections, dealer finance and intelligence layers across the lending stack.
Common questions about Retail Loan Origination for enterprise evaluation teams.
Request a personalized demonstration with our product specialists.
