Product Solution • LOS

Next-Gen Loan Origination System for Instant Underwriting

Accelerate retail, MSME, and digital lending workflows. From paperless omnichannel onboarding and real-time KYC to automated financial extraction and instant pre-sanction.

Schedule LOS Demo View Rules Engine (BRE)

70% Faster Turnaround Time (TAT)

65% Lower Customer Acquisition Cost

99.8% Verification Accuracy

Core Capabilities

What Makes TechMave LOS Industry-Leading?

Built natively for modern digital lenders, non-banking financial companies (NBFCs), and micro-finance institutions requiring high throughput, compliance assurance, and zero-dropoff user journeys.

• Omnichannel Intake: Ingest leads from web forms, mobile apps, DSA portals, and third-party aggregator APIs into one pipeline.

• Automated Document Extraction: OCR and deep parsing for salary slips, ITR-V, bank statements, GST returns, and financial balance sheets.

• Intelligent Deduplication: Real-time cross-referencing against existing customer databases to detect duplicate or fraudulent loan attempts.

LIVE ORIGINATION PIPELINE Active Stream

APP-84920 • Personal Loan Aadhaar e-KYC & CIBIL Pulled (782)

Instant Sanction

APP-84921 • MSME Working Capital GSTIN & 12-Month Bank Statement Parsed

Under Review

APP-84922 • Two-Wheeler Finance E-Sign Completed • Mandate Active

Disbursed

Step-by-Step Architecture

The Complete Digital Loan Origination Journey

A frictionless lifecycle designed for high completion rates and fully auditable credit decision records.

Customer Onboarding

Omnichannel mobile-responsive application forms, mobile OTP authentication, and drop-off recovery hooks.

Mobile OTP WhatsApp Hook

Instant e-KYC

Seamless biometric, OTP-based Aadhaar validation, PAN verification, and real-time facial liveness checks.

UIDAI API NSDL PAN Liveness Match

Financial Extraction

Instant bank statement parsing across 150+ financial institutions, account aggregator consent, and salary detection.

Account Aggregator GSTIN OCR

Underwriting & BRE

Automatic bureau pull (CIBIL, Experian, Equifax), credit policy rule execution, and FOIR calculation.

Zero-Code BRE Multi-Bureau

Sanction & E-Sign

Dynamic key fact statement (KFS) generation, digital sanction letter dispatch, and Aadhaar e-Sign agreement execution.

Aadhaar e-Sign KFS Generation

Mandate & LMS Handoff

Instant eNACH or UPI AutoPay mandate setup, penny-drop account verification, and seamless handoff to LMS for payout.

eNACH / NPCI UPI AutoPay Penny Drop

Business ROI

Measurable Outcomes for Lending Institutions

Engineered to drive higher conversion rates and operational efficiency without compromising risk rigor.

Instant Sanction TAT

Compress credit turnaround time from 3 to 5 business days down to under 3 minutes for pre-approved customer journeys.

Eliminate Manual Errors

Automated document OCR and optical verification eliminate manual data entry mistakes and fraudulent document alterations.

Underwriter Efficiency

Underwriters only intervene for edge-case exceptions, allowing small credit teams to process 10x higher application volume.

Connected Ecosystem

Explore the Complete LendingOS Platform

Each product functions seamlessly as a standalone microservice or deeply integrates across your end-to-end credit lifecycle.

Origination Current Solution

Loan Origination Loan Origination System

Instant credit underwriting & paperless onboarding

Active Page

Servicing

Loan Management Loan Management System

Multi-rail accounting, repayments & collections

Explore Loan Management

Decisioning

Business Rules Engine Business Rules Engine

Zero-code policy automation & real-time credit scoring

Explore Business Rules Engine

Intelligence

Credit Risk Credit Risk & Intelligence

Multi-bureau fraud signals & portfolio surveillance

Explore Credit Risk

Distribution

DSA Management DSA & Partner Distribution

Channel management, lead tracking & automated payouts

Explore DSA Management

Gateway

API Hub Financial API Infrastructure

100+ plug-and-play banking, bureau & payment APIs

Explore API Hub