Digital lending platform for banks, NBFCs and fintechs
We help lenders grow via technology
CloudBankin is a low-code digital lending platform for banks, NBFCs and fintechs, covering loan origination, loan management, digital onboarding and credit decisioning.
By the numbers Our numbers only go one way.
Digital lending products Four products.
One borrower record.
Take an application from first contact to disbursal.
A loan origination system manages every step before money moves. CloudBankin's LOS is low-code, so product teams change workflows and integrations themselves.
- KYC, fraud checks and multi-bureau pulls, with an alternate API when a provider fails
- Co-borrowers, guarantors and collateral, with LTV recalculated on release
- Key Fact Statement, sanction letter, e-sign and e-stamp
- Payout through payment gateway or core banking, including tranches
Capture - Documents arrive from the borrower, a branch or an API. Bank statements come in through Account Aggregator.
Service every loan event without manual recalculation.
A loan management system services the loan through its life. CloudBankin's LMS keeps schedules, charges, ledgers and asset classification correct as repayment events post.
- EMI, bullet, moratorium or variable instalments; fixed, floating, flat or declining interest
- NACH registration, retries, re-presentment and bounce charges
- Part payment, prepayment, foreclosure simulation and rescheduling
- DPD, SMA and NPA classification per RBI IRAC norms, with provisioning
EMI due - On the due date the EMI is presented to the borrower's bank through the NACH mandate.
The same onboarding journey on every channel.
Borrowers start in a mobile app, a self-service portal, a WhatsApp conversation or with a loan officer at a branch. Every channel runs the same workflow and the same credit rules.
- Customer details captured with mobile authentication
- Identity verified through PAN, Aadhaar eKYC or CKYC, with liveness and face match
- Bank statements collected through Account Aggregator, with dedupe checks
- Multi-language journeys with SMS, email and WhatsApp updates
Start - The borrower begins on any channel, in their language. This loop runs on the channel lit up on the left.
Your credit policy, evaluated the same way every time.
The rule engine evaluates every application against your policy. Inputs come from KYC, credit bureaus, bank statements and alternate data. Risk teams configure rules, scores and calculations without code.
- Eligibility rules that must pass, such as minimum age or maximum active loans
- Scorecards built from points per condition
- Calculation scripts for debt-to-income and other ratios
- Dynamic underwriting that adapts each decision to the applicant's data
- Straight-through offers or underwriter review, with a Credit Assessment Memo
Edit a rule - A risk manager raises the bureau cut-off from 650 to 700 and publishes it. No code and no release cycle.
Featured AI services
AI services on top of your lending stack
Three featured services from our wider set of AI agents, plugging into origination and collections. Hover, tap or tab to a card to open it.
PD · Probability of Default
Estimates how likely an applicant is to default, so your rules can approve, refer, decline or price on risk.
Behaviour Score
A post-disbursement score that refreshes a borrower's bureau position and suggests the next collection action.
WhatsApp Onboarding
Borrowers apply inside a WhatsApp conversation, on the same workflow and credit rules as your app, portal and branch.
Industries we serve
Digital lending software for every kind of lender
- Banks
Digitise retail lending alongside your core banking system, from onboarding and KYC to disbursal and servicing.
- NBFCs
Launch new loan products quickly and run origination, servicing and collections on one platform.
- Fintechs
An API-first lending stack for digital journeys, partnerships and co-lending.
Security & recognition
Certified for security, privacy and continuity.
Rated by the teams who use it.
ISO/IEC 27001Information security
ISO/IEC 27701Privacy information
ISO 22301Business continuity
FAQs
Frequently Asked Questions
Answers to the questions lenders ask most about CloudBankin.
What is CloudBankin?
CloudBankin is a low-code digital lending platform for banks, NBFCs and fintechs. It covers the full loan journey on one borrower record: digital onboarding, loan origination, credit decisioning through a rule engine, and loan management after disbursal. It is delivered as a cloud-based (SaaS) platform, so lenders do not need their own infrastructure.
What is the difference between a loan origination system (LOS) and a loan management system (LMS)?
An LOS handles everything before the money moves: the application, KYC, documents, bureau checks, underwriting, approval and disbursal. An LMS takes over after disbursal and services the loan for its whole life: repayment schedules, NACH collections, part payments and foreclosure, overdue tracking and asset classification. CloudBankin provides both, so borrower data carries over without being entered again.
Can banks, NBFCs and fintechs all use CloudBankin?
Yes. Banks use it to digitise retail lending alongside their core banking system. NBFCs use it to launch new loan products and run origination, servicing and collections on one platform. Fintechs use it as an API-first lending stack for digital journeys, partnerships and co-lending. Each lender configures its own products, workflows and credit policy.
Which integrations does CloudBankin support?
CloudBankin connects to CKYC, Aadhaar eKYC and PAN for identity checks; to the CIBIL, Equifax, Experian and CRIF credit bureaus; to Account Aggregator for bank statements; to payment gateways and core banking for disbursal; and to e-NACH for repayment mandates. More than 50 external services are orchestrated through APIs, and if one provider fails, an alternate is used automatically. If a customer is not found in CKYC, Aadhaar and PAN can be validated separately so onboarding continues.
Can we configure the platform without developers?
Yes. Product teams change workflows and integrations in the low-code LOS. Risk teams add or change credit rule parameters and scorecards without writing code, with more than 200 parameters available. New loan products are set up by entering interest, tenure, repayment and moratorium terms in the product master. CloudBankin's support team helps with more complex setups.
Is CloudBankin secure?
Lender data is stored encrypted in a dedicated, tenant-based cloud environment behind firewalls. Security practices include OWASP-based development, penetration testing (VAPT), audit logs, role-based user access control and system monitoring. CloudBankin is certified to ISO/IEC 27001 for information security, ISO/IEC 27701 for privacy information management and ISO 22301 for business continuity.
No question matches your search.
Bring your credit policy.
See it running as rules.
In a demo we map your current policy, loan products and KYC, bureau and payment providers onto CloudBankin, and show where your journey would change.
- Emailsalesteam@cloudbankin.com
- Sales enquiries+91 90809 96606
- WhatsAppChat with us on WhatsApp
After smartphone penetration, people are not watching their SMS at all. They use SMS only for OTP related transactions. That’s it.
But What can a Lender see in your SMS after you consent to them?
Lender can see income, expenses, and any other Fixed Obligation like (EMIs/Credit Card).
1) Income – Parameters like Average Salary Credited, Stable Monthly inflows like Rent
2) Expenses – Average monthly debit card transactions, UPI Transactions, Monthly ATM Withdrawal Amount etc
3) Fixed Obligations – Loan payments have been made for the past few months, Credit card transactions.
It also tells the Lender the adverse incidents like
1) Missed Loan payments
2) Cheque bounces
3) Missed Bill Payments like EB, LPG gas bills.
4) POS transaction declines due to insufficient funds.
A massive chunk of data is available in our SMS (more than 700 data points), which helps Lender to make a credit decision.
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