Deliver a production-ready, scalable digital lending solution that demonstrates all of the following:
Instant credit decisioning
(Target: decision in < 30 minutes).
Dynamic risk assessment
Using real-time Agri Stack and alternative data to reduce NPAs.
End-to-end loan lifecycle automation
(Origination → Underwriting → Disbursement → Monitoring → Collection)
Ecosystem integration
With value-chain partners (inputs, mandis, warehouses, insurers, government schemes).
Farmer-friendly product design,
Including flexible seasonal repayment schedules, configurable loan products (KCC, crop loans, asset finance), and group-lending support for FPOs/JLGs.
Operational scalability & auditability:
API-first architecture, workflow automation, document OCR & e-verification, and real-time portfolio dashboards.
