Automate JLG formation, household cash-flow checks, RBI FOIR guardrails, and doorstep collections on one unified lending platform.
Cut village onboarding to disbursal time to minutes with offline-ready eKYC, instant MFI bureau pulls, and automated group formation.
Unify family member KYC, household income assessment, and regulatory 50% FOIR guardrails in one guided workflow.
Track every Joint Liability Group (JLG), center meeting attendance, field officer route, and collection batch across branches from one place.
01 Member & Household Onboarding
Verify borrowers and earning family members at the doorstep (online or offline) in seconds with Aadhaar eKYC, Voter ID or PAN validation, geo-tagged live photo capture, and cross-branch deduplication.
02 Center & JLG/SHG Formation
Group verified members into Joint Liability Groups (JLGs) or Self-Help Groups (SHGs), map village center coordinates, and log Compulsory Group Training (CGT) and Group Recognition Tests (GRT) digitally.
03 Household Income & Bureau Underwriting
Capture itemized household income and expense surveys alongside real-time MFI bureau pulls to enforce the RBI ₹3 Lakh annual household income threshold and the 50% maximum repayment obligation (FOIR) cap.
04 Vernacular Sanction & Digital Loan Card
Generate local-language Key Facts Statements (KFS), APR disclosures, and digital passbooks/loan cards with quick biometric eSign or OTP-based member sign-off.
05 Center Verification & Account Validation
Complete independent Branch Manager GRT sign-offs, record mutual group guarantees, enroll micro-credit life insurance covers, and validate member bank accounts via instant penny-drop.
06 Instant Cashless Disbursal
Trigger real-time payouts directly into individual borrower bank accounts across IMPS, NEFT, or AePS with automated processing fee and insurance deductions alongside live ledger posting.
07 Center Collections, Cycle Upgrades & Closure
Generate weekly, fortnightly, or monthly center demand sheets, capture doorstep repayments via UPI QR, BBPS, or cash with instant SMS/Bluetooth receipts, and automate graduated cycle-loan renewals and NOC issuance.
Capture and organize application information with less manual effort.
Collect, extract and verify customer documents as part of the application workflow.
Route applications through configured approval rules, exceptions and documentation workflows.
Bring customer, financial and credit information together to assess eligibility against configured lending policies.
Manage active loans, repayments, collections and account activity beyond disbursement.
Capture, assess and move applications through configured workflows.
Manage active loans, repayments and customer servicing.
Run accounting, payroll and governance on your lending core.
Drive better recoveries with intelligent workflows.
Run partner lending, split disbursements and daily settlement in one place.
Bring lending data together for better visibility and decision support.
Enforce policy rules and produce regulatory returns from live data.
Launch and scale lending products faster with configurable workflows and lower operational overhead.
Modernize lending across retail, SME and corporate segments with a secure, scalable platform.
Add a modern lending layer alongside your core banking system, keeping customer and account systems connected.
Deliver high-volume, low-ticket lending with simple, intuitive workflows designed for field and branch teams.
Underwrite housing loans with property, income and verification checks in one connected workflow.
Unify member share capital, deposit-linked loans, surety tracking and daily or pigmy collections in one connected workflow.
Bring the data, services and systems behind your microfinance lending operation together through a connected ecosystem.
Credit bureaus
Banking & payments
Still unsure? Our lending specialists are happy to walk through the specifics for your institution.
Talk to our teamRewafin connects lead capture, application processing, KYC, document verification and credit assessment within a configurable origination workflow.
Yes. Approval rules, exceptions and documentation workflows are configurable, so the journey follows your own microfinance lending policy.
Yes. Applications can be captured across branches, web, mobile and assisted channels in a single pipeline.
Customer information and required documents are collected, extracted and verified as part of the application workflow.
See how Rewafin can connect your microfinance loan operations from application to repayment.
