Sector • Co-operative Banks

Modernize Your Co-operative Bank’s Lending
Without Disrupting Your Core Banking System.

Q: Can Rewafin integrate with our existing systems?

Yes. Rewafin is API-first and connects to credit bureaus, KYC providers, accounting and payment rails, and works alongside the systems you already run.

Q: Can different teams have different workflows?

Yes. Branches, credit, risk, operations and recovery teams can each work in their own configured workflows and approval paths.

Q: Is Rewafin built for regulatory and audit requirements?

Yes. Role-based access, complete audit trails and pre-configured regulatory reporting are built into the platform.

Q: Can Rewafin support risk and portfolio monitoring?

Yes. Early-warning signals, portfolio dashboards and risk analytics help teams spot stress early and act on it.

Compete with private banks and fintechs while preserving your community relationship edge. Digitize branch onboarding, automate Board and Loan Committee workflows, and stay 100% compliant with RBI’s four-tiered regulatory framework.

Talk to Our Team See How It Works

Bank-grade security & ISO 27001

Measurable Impact Across
Your Co-operative Bank

3x Faster Loan Sanctions

Cut Branch-to-HO Approval TAT from weeks to hours with digital loan files and committee queues.

40%Lower Branch Paperwork

2xStaff Productivity

100%RBI Inspection & Audit Ready

30% Lower Fresh Slippages

Reduction in SMA-0/1/2 & Gross NPA

Protect your bank’s net worth and CRAR by catching overdue accounts early with automated SMS/WhatsApp reminders, e-NACH, and SARFAESI tracking.

Digital Branch & RM Onboarding

Replace physical file movement between branches and Head Office with instant eKYC, CKYC, and bureau checks.

Board & Exposure Governance

Enforce RBI single/group borrower exposure ceilings, director-related lending bans, and priority sector targets automatically.

Plug-and-Play CBS Integration

Sync member/CIF data, share-linking rules, lien marking, and GL postings seamlessly with your existing CBS.

Built for the governance and
heritage of Co-operative Banks.

Share-Linked & Multi-Asset Lending

Automatically calculate mandatory A-Class / Nominal membership share-capital linkage while supporting Gold, KCC/PACS, Housing, MSME, and Vehicle loans on one stack.

Branch-to-Board Approval Workflows

Digitize the entire sanction hierarchy—from Branch Manager limits to GM/CEO credit committees and Board of Directors agendas—with zero physical file couriering.

RBI Tier 1–4 Regulatory Guardrails

Hard-code RBI Urban & Rural Co-operative Bank mandates, including Priority Sector Lending (PSL) targets, small-value loan norms, KFS disclosures, and CERSAI/CKYC reporting.

Legacy paper files shouldn't cost
your bank its best borrowers.

Fragmented workflows

Multiple systemsDisconnected Core Banking (CBS), physical branch files, manual Word/Excel sanction notes, and offline recovery registers.
Multiple teamsSlow courier delays between branches, panel advocates/valuers, Head Office credit departments, and Board committees.

Limited visibility & control

Siloed dataLack of real-time HO visibility into branch-wise sanction pipelines, Gold LTV fluctuations, PSL quotas, and SMA-0/1/2 stress.
Changing policiesHigh manual effort to comply with tightening RBI UCB/DCCB circulars, cyber-security audits, and statutory reporting.

Every stage of co-operative bank lending, unified end to end.

Branch & member onboarding

Delight younger and long-standing customers alike with fast digital onboarding at the branch counter or via field officers—fully synced with your CBS and membership register.

Instant eKYC & CKYC ComplianceAadhaar eKYC, PAN verification, CKYC pull/push, and Udyam registration checks in seconds.
CBS & Member Share LookupReal-time lookup of existing Customer IDs (CIF), deposit accounts, and active A-Class / Nominal shareholdings.
Guarantor & Co-Applicant LinkingCross-verify surety/guarantor liabilities across all branches to prevent over-leveraged cross-guaranteeing.
Assisted Branch & Doorstep AppSimple bilingual/vernacular interfaces designed for existing branch staff and field recovery/marketing officers.

Credit appraisal & exposure checks

Standardize credit underwriting across all branches with automated financial analysis, bureau checks, and built-in RBI prudential exposure limits.

Automated CAM & Appraisal NotesGenerate standardized Credit Appraisal Memos for MSME, housing, and retail loans using GST, ITR, and bank statement parsers.
Multi-Bureau & Commercial PullsInstant CIBIL, CRIF, Experian, and Equifax checks for borrowers and guarantors embedded directly into the workflow.
RBI Prudential & Exposure GuardrailsAutomatic system checks for Single/Group Borrower Exposure limits, unsecured loan caps, and RBI restrictions on Director/Relative loans.
Panel Valuer & Advocate PortalDigital assignment and report upload for property legal opinions, technical valuations, and gold assaying certificates.

Committee sanction & disbursement

Accelerate sanctions from branch counters to Head Office Loan Sub-Committees and disburse directly into CBS accounts with zero double data entry.

Branch, CEO & Board Committee WorkflowsRoute files automatically based on sanction power matrices, generating digital agenda packs and minutes for Board/Committee meetings.
Automated Share-Capital & Fee DeductionAutomatically calculate required shareholding ratios, processing fees, and insurance premiums prior to disbursement.
RBI-Mandated KFS & DocumentationOne-click generation of vernacular sanction letters, Key Fact Statements (KFS), hypothecation deeds, and e-NACH mandates.
Bi-Directional CBS Disbursal SyncCreate loan accounts, mark liens on Fixed Deposits/Gold packets, and credit borrower accounts directly in your Core Banking System.

Servicing & statutory compliance

Manage diverse repayment structures, PACS/society credit lines, and RBI/NABARD statutory returns from a centralized operations hub.

Versatile Repayment & Interest EngineSupport EMI, daily/monthly reducing balance, Cash Credit/OD renewals, Gold bullet repayments, and seasonal KCC interest subvention rules.
Collateral & Gold Packet TrackingMonitor branch vault inventory, dual-custody audit logs, and live market-price LTV alerts for Gold and FD-backed loans.
Automated Regulatory FilingsStreamline CERSAI registration, CKYC updates, NESL reporting, and data preparation for RBI OSS/XBRL and NABARD returns.
Real-Time PSL & Portfolio DashboardsTrack Priority Sector Lending (40%–75% UCB targets), weaker-section quotas, and branch-wise yield in real time.

Collections, NPA & legal recovery

Protect your bank’s asset quality and avoid RBI supervisory action with proactive SMA tracking, digital collection nudges, and cooperative legal recovery workflows.

Automated SMA-0/1/2 AlertsEarly warning triggers for overdue EMIs, unrenewed CC/OD limits, and expiring insurance or valuation documents.
Multi-Channel Payment NudgesAutomated SMS, WhatsApp, and IVR reminders in regional languages with UPI/BBPS payment links and e-NACH presentation.
Field Recovery & Receipting AppGeo-tagged mobile app for bank recovery officers to log borrower visits, promises-to-pay (PTP), and instant receipts.
SARFAESI & Co-op Act Legal TrackingEnd-to-end tracking for Registrar Cooperative Court cases (e.g., Section 91/101 recovery certificates), arbitration, and SARFAESI notices.

Loan products we support

Retail & Personal Banking

Housing & Home Improvement Loans, Two-Wheeler & Four-Wheeler Loans, Salaried Personal Loans, Education Loans.

Gold & Deposit-Backed Lending

Instant Branch Gold Loans (EMI & Bullet), Loans Against Fixed Deposits (LAFD), Loans Against NSC / KVP / Life Insurance.

MSME & Commercial Credit

MSME Term Loans, Cash Credit (CC) & Overdraft Limits, Loan Against Property (Commercial Mortgage), Transport & Commercial Vehicle Loans.

Agri, PACS & Priority Sector

Kisan Credit Card (KCC) & Crop Loans, PACS & Society Refinance Lines (for DCCBs/StCBs), SHG/JLG Micro-Credit, Allied Agri & Dairy Loans.

Explore the
Rewafin product ecosystem.

Trusted by lending institutions

“The flexibility of the platform allows us to adapt workflows as our business evolves, without rebuilding the process.”
Arjun MenonChief Operations Officer · Meridian Finance
“Rewafin helped us bring multiple lending workflows into one connected system, giving our teams much better visibility across the process.”
Amit MehtaChief Operations Officer · Aarohan Finance
“We now have a much clearer view of applications, decisions and portfolio activity without having to switch between disconnected systems.”
Neha KapoorHead of Digital Lending · Nexora Bank

Frequently
asked questions

Still unsure? Our lending specialists are happy to walk through the specifics for your institution.

Talk to our team

Can Rewafin support multiple lending products?

Yes. Rewafin provides configurable workflows that can support different lending products and operational processes within one platform.

Can Rewafin integrate with our existing systems?

Can different teams have different workflows?

Is Rewafin built for regulatory and audit requirements?

Can Rewafin support risk and portfolio monitoring?

Ready to modernize your lending operations?

Connect your lending workflows, teams and systems with Rewafin.

Start a conversation Talk to sales

See Rewafin end to end.

Modernize Your Co-operative Bank’s Lending
Without Disrupting Your Core Banking System.