Custom AI built on top of your existing LOS, LMS, and CRM. Automate origination, underwriting, KYC verification, EMI follow-up, and collections — without replacing your core systems.
Automate loan application intake, document collection, preliminary eligibility check, and credit pull. Reduce origination time from days to hours.
ML model on bureau data (CIBIL/Experian), bank statement analysis, GST turnover, and cash flow. Automated creditworthiness score with explainable risk flags.
Automated voice + WhatsApp + SMS reminders before due date. Captures promise-to-pay, payment confirmation, and missed-payment reason in your LMS.
End-to-end KYC: Aadhaar OTP verification, PAN validation, face match, liveness check, and document extraction. Integrated with CKYC/CKYCR registry.
Post-DPD collections voice AI in Hindi/English. RBI-compliant calling logic, DND checks, settlement negotiation scripts, and promise-to-pay workflow.
Borrower queries on loan balance, EMI date, foreclosure amount, and NOC via WhatsApp and voice. Zero human touch for 80% of routine queries.
All projects are fixed-price with full source code ownership. You get the complete codebase at delivery — host it yourself, modify it, or have any developer maintain it. No annual licensing. No per-user fees.
Identify highest-friction steps: origination, underwriting, EMI follow-up, or collections. Build priority queue.
Configure AI logic, voice scripts, WhatsApp flows, and integration with your LMS/LOS and bureau APIs.
UAT with your credit and collections team. RBI/TRAI/DPDP compliance sign-off before go-live.
Start with one team or one product type. Expand after 30-day performance validation.
Yes. XPndAI builds custom loan origination AI that automates application intake, document collection, KYC verification, credit bureau pull, eligibility calculation, and underwriting decision support. Reduces origination time from 3–7 days to same-day for clean applications.
AI for NBFC India: ₹5L–₹8L for a single process (EMI reminders or KYC); ₹10L–₹20L for a full lending AI suite (origination + underwriting + collections); ₹25L+ for an end-to-end NBFC AI platform with custom credit models.
XPndAI builds RBI/TRAI/DPDP-compliant AI collections agents. Calling is limited to permitted hours, DND registry is checked before each call, consent is captured, and all calls are recorded and archived. Full audit trail for regulator review.
In 2025–26, NBFCs in microfinance, consumer lending, two-wheeler finance, home loans, and MSME lending are actively deploying AI for collections, KYC, and customer service. AI-first NBFCs are reducing operational cost per loan by 30–50%.
Free 30-minute scoping call. Fixed price quote in 48 hours. No hourly billing. Full source code.
📋 Get a Free Quote 💬 WhatsApp Now