Sector • Micro Finance Institution

Empower Field Officers and Scale Financial
Inclusion with AI-Native Microfinance Software.

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.

Onboard JLG and SHG borrowers at their doorstep, enforce RBI’s 50% household FOIR mandate in real time, and achieve 99%+ collection efficiency with a mobile-first platform built for NBFC-MFIs and rural lenders.

Talk to Our Team See How It Works

Bank-grade security & ISO 27001

Measurable Impact Across
Your Microfinance Network

4x Faster Group Onboarding

Cut JLG/SHG formation to disbursement TAT from weeks to 24–48 hours with doorstep mobile workflows.

50%Lower Field Paperwork

2.5xField Officer Capacity

100%RBI Household FOIR Compliant

99%+ Collection Efficiency

Reduction in PAR-30 & Center Default Risk

Maintain discipline at the center level with automated meeting schedules, digital UPI/QR collections, and real-time attendance & repayment tracking.

Doorstep Mobile Origination

Equip Sangam/Field Officers with offline-capable apps for eKYC, household income surveys, and group formation.

Center-to-HO Visibility

Monitor branch cash reconciliation, center attendance, PAR (Portfolio at Risk) buckets, and officer productivity live.

Automated Household FOIR Guardrails

Enforce RBI’s microfinance guidelines with instant multi-bureau household debt pulls and 50% outflow caps.

Built for the ground realities
of microfinance operations.

Mobile-First JLG & SHG Lifecycle

Manage village mapping, center creation, group formation, CGT (Compulsory Group Training), and GRT (Group Recognition Test) directly from a field officer tablet or smartphone.

RBI Microfinance Mandate by Design

Capture holistic household income and expenses, run real-time microfinance bureau checks (CRIF High Mark, Equifax, CIBIL, Experian), and enforce the 50% FOIR limit automatically.

Cashless & Assisted Center Collections

Transition seamlessly from cash-heavy center meetings to UPI QR codes, AePS, BBPS, and digital receipting with zero end-of-day branch reconciliation leakage.

Expanding into new districts shouldn't
multiply field risk and paperwork.

Fragmented workflows

Multiple systemsPaper passbooks, disconnected field apps, manual bureau portals, and back-office accounting.
Multiple teamsDelays between Field Officers (FOs), Branch Managers (BMs), central tele-verification, and audit teams.

Limited visibility & control

Siloed dataDelayed visibility into center-wise PAR-1/30/90, ghost borrower risks, and daily field cash collections.
Changing policiesDifficulty enforcing RBI household income assessment, pricing board disclosures, and SRO (MFIN/Sa-Dhan) guardrails across thousands of field staff.

Every stage of microfinance lending, unified end to end.

Sourcing & group formation

Digitize village surveys, borrower onboarding, and JLG/SHG group structuring right from the field officer’s mobile device—even in low-connectivity rural areas.

Village Survey & Center MappingGeo-tag villages, assess area credit saturation, and schedule weekly, bi-weekly, or monthly center meeting calendars.
Doorstep eKYC & Family LinkingInstant Aadhaar eKYC, voter ID OCR, biometric/face match, and mandatory spouse/household member linking.
Digital CGT & GRT WorkflowsRecord Compulsory Group Training attendance, geo-tagged group photos, and Branch Manager GRT sign-offs digitally.
Offline-First Field AppCapture applications and documents in low-network rural zones with automatic background sync when connectivity returns.

Household credit assessment

Evaluate household repayment capacity accurately and comply with RBI microfinance regulations without slowing down field turnaround times.

Holistic Household Income CaptureStructured digital questionnaires to assess farm, allied, daily-wage, and micro-enterprise household cash flows.
Real-Time MFI Bureau PullsInstant household-level checks across CRIF High Mark, Equifax, CIBIL, and Experian to detect active lender count and total indebtedness.
Automated 50% FOIR EngineAutomatically calculate total household EMI obligations across all lenders and cap loan eligibility within RBI’s 50% income limit.
Central Verification & Fraud ChecksIndependent tele-verification or video verification queues to prevent ring-leader dominance and ghost lending.

Sanction & disbursement

Move approved JLG/SHG batches from branch sign-off to direct bank account disbursement with complete transparency and zero cash handling.

Batch & Individual SanctionsApprove entire center/group loan batches or individual graduated micro-enterprise loans through hierarchical maker-checker queues.
Vernacular KFS & Pricing DisclosuresAuto-generate RBI-mandated Key Fact Statements (KFS) and loan cards in regional languages with transparent APR and zero hidden charges.
Penny-Drop & Direct Bank TransferValidate borrower bank accounts via IMPS/NPCI penny-drop and disburse funds directly to the borrower’s account.
BC & Co-Lending Pool RoutingAutomatically tag PSL-eligible microloans for Bank Business Correspondent (BC) lines or NBFC-MFI co-lending partnerships.

Center servicing & monitoring

Run disciplined center meetings, track graduations to individual loans, and monitor Portfolio at Risk (PAR) across every village, branch, and state.

Digital Center Meeting RegisterTrack member attendance, installment dues, pre-closures, and group guarantee support on the Field Officer app.
Flexible Micro-Repayment SchedulesSupport weekly, fortnightly, monthly, and seasonal crop-aligned repayment frequencies with automated holiday calendar shifts.
Borrower Graduation EngineIdentify high-performing JLG members with strong repayment track records for Individual Micro-Enterprise (IL) or two-wheeler/solar top-up loans.
Live PAR & Internal Audit DashboardsReal-time tracking of PAR-1, PAR-30, PAR-90, field officer route adherence, and surprise branch audit checklists.

Collections & reconciliation

Eliminate cash leakage and manual passbook errors with multi-mode digital collections, instant SMS/WhatsApp receipts, and automated day-end branch closure.

Digital & Assisted Center CollectionsCollect via dynamic UPI QR codes, BBPS, e-NACH, or AePS at center meetings alongside controlled cash collection logging.
Denomination-Level Cash TallyMatch field officer cash collections with exact currency denomination entries and Branch Manager vault handoffs before EOD closure.
Overdue & Od-Member Follow-UpDedicated workflows for center leaders, field officers, and recovery teams to resolve missed installments before group contagion occurs.
Instant Borrower ReceiptsTrigger vernacular SMS/WhatsApp payment confirmations and update digital borrower passbooks in real time.

Loan products we support

Group Microfinance Lending

Joint Liability Group (JLG) Loans, Self-Help Group (SHG) Linkage Loans, Grameen Model Group Loans.

Livelihood & Allied Agri Loans

Dairy & Livestock Loans, Petty Trade & Kirana Loans, Artisans & Rural Handicraft Finance.

Household Utility & Improvement

Water & Sanitation (WASH) Loans, Solar Home Lighting & Clean Cooking Loans, Micro-Housing Repair Loans, Education Support Loans.

Graduated Individual & BC Lending

Individual Micro-Enterprise Loans (IL), Two-Wheeler Mobility Loans, Bank Business Correspondent (BC) Portfolio Management.

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.

Empower Field Officers and Scale Financial
Inclusion with AI-Native Microfinance Software.