NBFC — Digital Lending Infrastructure Layer

KYC / KYB — Verify borrower identity through Aadhaar eKYC, PAN verification, face match, and video KYC. For business loans, validate company registration, GST, and director details through Scofit KYB.

Document Verification — OCR extraction and validation across government-issued documents. Detect forgeries, extract structured data, and validate document authenticity before the application moves forward.

Credit Check — Pull bureau scores and detailed credit reports from multiple bureaus. Analyse tradeline history, enquiry patterns, and existing obligations to build a complete credit profile.

Underwrite — Apply your lending policies through configurable rules engines. Set risk thresholds, policy parameters, and approval logic. Scofit Underwrite evaluates applications against your framework and returns structured decisions.

eSign — Execute loan agreements and disbursement authorisations digitally. Aadhaar-based and DSC-based electronic signatures with full legal validity under the IT Act.

eNACH — Register NACH mandates for automated recurring repayments. Support across major banks and payment networks. Real-time mandate status tracking and confirmation.

Disburse — Route loan funds to borrower accounts through IMPS, NEFT, or RTGS. Track disbursement status in real time and reconcile against loan records.

Collections — Automate follow-up sequences for overdue accounts. Generate payment links, send reminders, and reconcile incoming payments against outstanding balances.

RBI Compliance — KYC and data handling workflows aligned with RBI KYC Master Direction and data localisation requirements. Audit-ready records for every verification and transaction.

DPDP Act Alignment — Data minimisation, consent management, and purpose limitation built into every API. Process only what is necessary. Retain only what is required.

Faster Go-to-Market — Deploy a complete lending pipeline in weeks instead of months. Pre-built workflows reduce integration complexity and eliminate vendor fragmentation.

Reduced Vendor Overhead — Replace multiple KYC, credit, execution, and collections vendors with a single platform. One contract, one integration, one support channel.

Scalable Architecture — APIs designed for high-throughput lending operations. Rate limits, webhooks, and idempotency support growing portfolio volumes without re-architecting.

Unified Data Layer — Verification data, credit data, and execution data flow through a single platform. No manual data reconciliation between disconnected vendor systems.