Common questions from lenders, originators and their compliance, IT and ops teams.
General
Mannjal is partnership lending infrastructure. It supports co-lending, Business Correspondent and digital-lending workflows, giving each partner its own secure instance and orchestrating the workflow between them.
The platform is Mannjal's workflow layer. It carries configured cases from intake through checks, queries and reporting in one case file, configured to how your program already runs.
No. The platform runs the process, checks and routing. Credit decisions, underwriting and approvals stay with the lender or agreed participant.
They are the partnership structures Mannjal supports: co-lending (shared risk between a senior and junior lender), Business Correspondent networks, and digital lending programs. All managed through one system.
The lender or agreed regulated participant. Mannjal checks applications against the lender's configured rules and routes them to the right desk. The credit decision stays outside Mannjal.
Similar programs can typically be configured in 1-2 weeks once partner, policy and integration inputs are ready, with workflow sync, documentation support and pipeline visibility.
In-house builds often solve one program at a time. Mannjal is shared infrastructure across co-lending, Business Correspondent and digital lending, with configurable workflows, integrations, regulatory-aligned documentation and a curated partner network.
A founder walks the platform through a program context you bring: intake, configured checks and deviation flags, task and query routing, and the audit evidence export. Thirty minutes, in the product environment.
For lenders
Banks, small finance banks and NBFCs running partnership lending programs. The typical user is an ops team managing multiple lending partnerships across co-lending, Business Correspondent or digital-lending structures.
Yes. Each program is configured independently with its own eligibility rules, compliance thresholds and partner set. Reusable workflows help operating effort scale more predictably as you add programs.
Mannjal supports documentation and controls aligned with RBI Co-Lending Arrangements guidance and Digital Lending Guidelines, including Key Fact Statement support, single blended rate workflows, First Loss Default Guarantee tracking, partner-level reporting and audit trails. Your team holds the data and makes credit decisions.
Originators on the network are reviewed for financial profile, credit focus and operating track record before they join. Matching is by product, geography and lending appetite, so both sides meet partners that fit.
For originators
Reach out through the contact form or email. We vet on financials, credit quality and track record. Once approved, you're matched with senior lenders building programs that fit your product and geography.
Our pricing is tied to outcomes. Mannjal earns when our partners grow, so our incentives line up with yours from the start.
One integration can support multiple senior-lender workflows. Mannjal helps with lender-side coordination, format translation and compliance documentation for each partnership.
Similar programs typically take 1-2 weeks once partner, policy and integration inputs are ready, including technical integration, configuration and first files moving through the system.
Security & compliance
Mannjal can run in your own cloud or servers, where data stays inside your perimeter. On Mannjal-hosted infrastructure, data is hosted in Indian regions with Mumbai as primary and Delhi as disaster recovery, logically segregated per lender, with cross-border transfer controls applied at the platform layer. Role-based access and maker-checker controls apply based on deployment scope.
Mannjal supports documentation and controls aligned with RBI Co-Lending Arrangements guidance and Digital Lending Guidelines, including Key Fact Statement support, single blended rate workflows, First Loss Default Guarantee tracking, audit trails and partner-level reporting. Personal data is handled with DPDP-aware controls where applicable.
Security and residency evidence is available under NDA. Residency and audit statements describe the Mannjal-hosted platform; the scope of a self-hosted deployment may differ.
Yes. Mannjal completes standard vendor questionnaires, including the CAIQ v4.1 mapped to the Cloud Controls Matrix, so your team can score us against the framework it already uses. Audit evidence and questionnaire responses are available under NDA on request.
Configured actions, application programming interface calls and document events are timestamped, attributed and exportable on demand. Security documentation is available to partners on request.
eKYC, bureau pulls, NACH, bank-statement analysis, GST verification, cheque verification and e-sign, plus handoffs into your own lending systems, all through your own credentials and contracts.
As work happens, not after the fact. Configured tasks, document events, queries and status changes are timestamped and attributed when they occur, so audit evidence is exportable from the case.
No. The platform runs logically segregated portals or instances for each participating entity, with role-based access boundaries between them.
Still have questions?
Talk to a founder
A 30-minute walkthrough, using one of your own programs as context. Bring a program you're running today.