The Platform

One shared workflow behind partnership programs

The platform carries configured cases from intake to audit evidence, aligned to how your program already runs. The credit decision stays with the lender.

One case file
Tasks, documents and queries
Each partner in lane
Role-based access and handoffs
Audit trail by default
Evidence captured as work happens
Lender-controlled by design

The platform runs the process. The lender owns the credit decision

What the platform runs

The operating process, mirrored

The platform runs the stages, rules and roles participating entities already agreed on, configured to that process rather than assumed.

What the lender keeps

The credit decision stays with the lender

Mannjal builds and configures the technology. Credit policy, underwriting, approvals and outcomes stay with the regulated lender.

Operating trail

Each case carries its own history

The platform replaces scattered emails, spreadsheets, manual follow-ups and disconnected document movement with a structured workflow.

Teams can see what was submitted, validated, flagged, assigned, changed and left pending without leaving the case.

Operating layers

One workspace for intake, review and evidence

Each partnership program gets one workspace, where every case runs through the same configured workflow, so applications, checks, queries and reports move together.

Capture the case

Structured entry, document upload, field capture, and Excel or credit appraisal memo ingestion, organized by case and section.

Check readiness

Mandatory data and document availability, plus the affordability, collateral and eligibility checks configured for the program, with the rules and thresholds set by the lender, before a file reaches review.

Route the work

Task assignment, query resolution, maker-checker steps and exception routing through the agreed process.

Generate the output

Dashboards, management reports, application packs, approval notes and export files for handoff or audit review.

Signals and integrations

The platform keeps the workflow aware of what matters

Configured signals and third-party outputs trigger the right validation, task or handoff, based on program scope.

Signals

Operational signals

The platform highlights what is pending, delayed, missing, or flagged, so the right team can act at the right time.

Stage age Missing documents Query age Role owner Deviation flag Approval status Export readiness Audit evidence
Integrations

Integration outputs

Route third-party checks and lender-system handoffs through the same case workflow.

eKYC / KYC Bureau Bank statement analysis GST / Udyam NACH / eNACH e-sign Lender-system handoff
Control layer

Built for controlled multi-party lending workflows

These controls are covered in the security evidence pack. See the security and trust detail

Access control

Role-based, down to the section

Role-based access, section-level visibility, user-specific permissions, maker-checker workflow steps and segregation of duties.

Traceability

Workflow actions, timestamped

User actions, workflow movement, document events, application programming interface activity and status changes are recorded with timestamps and the user who performed each action.

Data boundaries

Segregated by design

The platform runs logically segregated portals or instances, with role-based access boundaries for each participating entity.

Hosting

India-hosted, by scope

On Mannjal-hosted deployments the platform runs on Indian regions, Mumbai primary with Delhi as DR; self-hosted deployments run inside your own perimeter.

Schedule a walkthrough

Walk through the platform on one of your programs

See it run on one of your programs, from intake to audit evidence, with a founder.