Digital Lending

Configure digital-lending controls from the start

Mannjal supports Key Fact Statement generation, First Loss Default Guarantee tracking and audit trails aligned to RBI Digital Lending Guidelines. Your team configures the program, owns the data and makes every credit decision.

Mannjal digital lending workflow showing KFS generation, consent, sanction, disbursal, documents, and audit trail
What Mannjal handles

From borrower intake to lender review

Run the operational journey first, with regulatory controls and evidence carried through the same case file.

Borrower journey

Capture borrower data, documents and disclosures

Borrower information, consent records, document checklists and required disclosures move through a configured digital journey, with ownership visible at each stage.

Underwriting checks

Checks and gaps surfaced before review

Eligibility, policy, document, bureau and KYC checks route through approved providers. Deviations, missing inputs and queries are surfaced before the file reaches the lender's credit team.

Workflow routing

Tasks, queries and approvals reach the right desk

Mannjal routes case work through the lender's configured workflow and records each handoff. Credit policy, underwriting and the final lending decision remain with the regulated lender.

Inside the platform

Borrower checks, routed through one workflow

The platform routes borrower checks through the providers you already contract, and logs the result against the same case file that supports the Key Fact Statement and audit trail.

Integrations
eKYC Bureau NACH Bank statement analysis GST e-sign
See the platform in detail
Regulatory alignment

Supports RBI Digital Lending workflows

Mannjal supports documentation and controls aligned to RBI Digital Lending Guidelines. Your team holds the data and makes every credit decision; the infrastructure supports the compliance workflow.

Key Fact Statement support First Loss Default Guarantee tracking Borrower disclosure Partner-level reporting Audit trail
What your team feels

Cleaner files. Faster digital journeys

98%
First-time-right files in benchmarked workflows, with checks and document gaps surfaced before review.
50–75%
Turnaround-time reduction in benchmarked workflows, with fewer avoidable handoffs and follow-ups.
1–2 wks
Typical setup window for similar digital-lending programs after required inputs are ready.
Schedule a walkthrough

See how digital lending runs on Mannjal

See your digital lending program with guideline-aligned controls built in. 30 minutes with a founder.