LOS

Transform Loan Origination:

Easy Configurability, Minimal / No Data Entry. Design Your Application and Processes.

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Affordable & Fast Deployment!

Top Challenges for Banks and Financial Institutions with Loan Origination Products

Complex Regulatory Compliance

Inefficient Legacy Systems

Data Silos

High Operational Costs

Hard coded Platforms

Customer Experience

Integration Challenges

Scalability Issues

Inconsistent Credit Decisions

Regulatory Reporting

Transform Loan Origination with Automated Rule Engines, Streamlined Onboarding with 100+ APIs, and Efficient Content Management

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OrangeLOS, an open configurable AI/ML powered platform, with dynamic workflows redefines the Loan origination process.

It comes with a configurable Business Rule Engine (BRE) and Credit Rule Engine (CRE) that automates everything from Lead management [OrangeLEAD] to disbursement and agreement signing.

Its powerful onboarding platform [OrangeEMBARK], equipped with over 100+ APIs, ensures error-free and fraud-free operations.

Plus, with an integrated Enterprise Content Management system [OrangeECM], it promotes easy storage, access, and sharing of vital documents, enabling faster and better credit decisions, scalability, and cost optimization.

Loan Products Supported

Our platform offers full customization with a dynamic rule engine for business and credit rules, enabling instant configuration of secured and unsecured loan products directly from the front end. Easily add or modify products and processes, with instant updates. Here's a quick overview of the loans we support :

Retail Loans

MSME Loans

MSME Business Loans
Pradhan Mantri Mudra Yojana (PMMY)
Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGTMSE)
SIDBI Make in India Loan for Enterprises (SMILE)
Stand-Up India Scheme
Bank-Specific MSME Loan Products
TReDS (Trade Receivables Discounting System)
Emergency Credit Line Guarantee Scheme (ECLGS)
Technology Upgradation Fund Scheme (TUFS)
Udyogini Scheme
Many more ....

Home Loans
Personal Loans
Auto Loans
Education Loans
Gold Loans
Loan Against Property (LAP)
Credit Card Loans
Consumer Durable Loans
Top-Up Loans
Overdraft Facility
Reverse Mortgage Loans
Many more....

MFI Loans

Agri Loans

Group Loans
Joint Liability Group (JLG) Loans
Individual Micro Loans
Micro Enterprise Loans
Agricultural Micro Loans
Housing Microfinance Loans
Education Micro Loans
Micro-Insurance Linked Loans
Emergency Micro Loans
Consumption Loans
Many more ....

Crop Loans
Kisan Credit Card (KCC)
Agricultural Term Loans
Farm Mechanization Loans
Dairy Loans
Fisheries Loans
Horticulture Loans
Rural Godown Scheme /
Warehouse Loans
Irrigation Loans
Animal Husbandry Loans
Agribusiness Loans
Government Schemes
Supporting Agri Loans:
- Interest Subvention Scheme
- PM Kisan Scheme
- NABARD-Backed Loans
Many more......

APIs Integrated

Our products are integrated with various APIs across different domains, with a strong focus on the banking and financial services sector, particularly for tasks such as opening savings accounts, managing deposits, and processing loans. The same solution can be utilized for deposits and loans through multiple APIs, depending on the specific product and process requirements, and can be applied to onboarding or even underwriting.

KYC Authentication - Retail

KYC Authentication - Commercial

PAN Authentication
PAN Authentication Advanced
PAN Status Check
PAN Profile (Detailed) NEW
PAN Link Status (with any Aadhaar)
ePAN Download NEW
206AB Compliance Status NEW
Aadhaar Number Verification NEW
Aadhaar XML Download (Consent-based)
Aadhaar XML Download NEW
E-Aadhaar Download (UIDAI-Based) NEW
Driver's Licence Authentication
Voter ID (EPIC) Authentication
Passport Verification
Ration Details
KRA KYC Status

Entity PAN Profile
GST Search Basis PAN
GSP GST Authentication
GSP GST Return Filing
GST Authentication
GST Advanced NEW
FSSAI License Authentication
FDA License Authentication
Company and LLP Master Data
MCA Signatories
Udyog Aadhar Number
TAN Authentication
Shop & Establishment
Legal Entity Identifier (LEI)
Udyam Registration Check
Udyam Registration Check (OTP Based)
VAT TIN Verification
Registrar of Firms NEW

AML Sanctions Screening NEW
CKYC Search NEW
CKYC Download NEW
Video/Active Liveness

Miscellaneous

KYC Authentication - Professionals

Architect Authentication
NEW CA Membership Authentication
ICSI Membership
ICWAI Membership Authentication
ICWAI Firm Authentication
NMC Membership Authentication
UDIN Verification NEW

Employment & Income Authentication

Utility Bill Authentication

EPF Authentication
Employment Verification Advanced
Employer Default Check
Form 16 Authentication
Form 16 Quarterly
ITR-V Authentication
Income Tax Challan Authentication

PNG Authentication
Electricity Bill Authentication
LPG ID Authentication
Mobile Authentication
Mobile Authentication with OTP
Telephone Landline Authentication

Digital Essentials - Matching & Similarity

Asset & Vehicle Authentication

Address Matching
Miscellaneous
eSign
Death Certificate Details NEW
AML Sanctions Screening NEW
CKYC Search NEW
CKYC Download NEW
Video/Active Liveness

Property Tax
Vehicle RC Authentication - Advanced
Banking & Payments Authentication
Bank AC Verification Advanced NEW
UPI Verification NEW
Digital Essentials - Contractibility
Email Authentication Advanced
Email Authentication (Link/OTP based)

Others

Bank Statement Analysis [Individual] - 15+ reports
Bank Statement Analysis [Corporate] - 15 + reports
Bank Statement Analysis - [Individual] Single Bank and Multiple Banks - 15 + reports
Bank Statement Analysis - [Corporate] Single Bank and Multiple Banks - 15 + reports
Legal Analysis [Individual] - 15+ reports
Legal Analysis [Corporate] - 15 + reports
Company and Financial Analysis - 15 + reports
Credit Bureau
GSTR Analysis [Corporate] - 10 + reports
ITR Analysis - 7 + reports

Market Place Integrations

Our platform offers a marketplace of seamless integrations, including government schemes, identity validation, and communication gateways. Some of these integrations are already in place, while others are in progress, with the capability to incorporate many additional portals as needed.

JanSamarth Portal
GeM (Government e-Marketplace)
NABARD (National Bank for Agriculture and Rural Development) Portal
UMANG (Unified Mobile Application for New-age Governance)
NHAI (National Highways Authority of India) Portal
PSB Loans in 59 Minutes
Pradhan Mantri Awas Yojana (PMAY)
Sukanya Samriddhi Yojana (SSY) Portal
National e-Governance Services Limited (NeSL)
PM SVANidhi Portal
National Scholarship Portal (NSP)
BHIM (Bharat Interface for Money) Portal
PM Kisan Samman Nidhi (PM-KISAN)
FCRA (Foreign Contribution Regulation Act) Portal
DARPAN Portal
Mudra Yojana Portal (PMMY)
Stand-Up India Portal
Pradhan Mantri Kisan Credit Card (PM-KCC)
NHB (National Housing Bank) Portal
DICGC (Deposit Insurance and Credit Guarantee Corporation) Portal

SIDBI (Small Industries Development Bank of India) Portal
CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises)
NHB (National Housing Bank) Refinance Portal
UDAY (Ujwal DISCOM Assurance Yojana) Portal
Solar Rooftop Portal (MNRE)
RBI-ESM (Export Credit in Foreign Currency) Portal
SWAYATT (Startups, Women, and Youth Advantage through e-Transactions)
NABARD’s eShakti Portal
PM FME (Prime Minister Formalization of Micro Food Processing Enterprises)
TReDS (Trade Receivables Discounting System) Portal
National SC/ST Hub Portal
PMEGP (Prime Minister's Employment Generation Programme)
MSME Samadhaan Portal
PSB Loans in 59 Minutes
Surya Mitra Portal (MNRE)
Credit Guarantee Fund for Micro Units (CGFMU)
ESIC (Employees' State Insurance Corporation) Portal
Many more....

End-to-End Loan Management Process

A comprehensive, product-agnostic workflow that enhances loan management by integrating lead management, digital onboarding, automated underwriting, and document management, seamlessly connecting with Core Banking and Loan Management Systems for efficient disbursement and customer service.

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Business Rules Engine (BRE): Enhancing Agility and Control in Decision-Making

A Business Rules Engine (BRE) enables organizations to define, manage, and execute business rules separately from application code, allowing for quick adjustments to strategies or policies while maintaining control and consistency in decision-making, streamlining operations, and aligning processes with strategic goals.

Credit Rule Engine: Automating Credit Evaluation in Banking

A credit rule engine for banks automates the credit application evaluation process using predefined rules, criteria, and algorithms to assess creditworthiness, integrating with external data sources for comprehensive assessments, employing scoring models for objective decision-making, and enhancing speed and efficiency through seamless integration with loan origination systems, all while providing a user-friendly interface for credit analysts to manage rules and collaborate on updates.

Snapshots of the Product

Our Product in Action: Captivating Snapshots

Dash Board

Customer Mangaement

Internal / External Chat

Key Highlights of our Solution

Streamline Loan Processing with Custom Workflows and Advanced Analytics

Streamlined Processing and Document Management Automation
Instantaneous Credit Evaluation and Risk Analysis
Interoperability with Credit Bureaus and External Data Providers
Tailored Workflows for Diverse Loan Products and Customer Categories
Adjustable Business Rule Engine (BRE) and Credit Rule Engine (CRE)

Robust and Adaptable Integration
Thorough Regulatory Adherence
High-scale Performance
Proficient Data Analytics
Intuitive User Interface
100 + AI/ML Based APIs
Advanced Security Measures
Minimal or No Data Entry
Cutting-edge Automation
Tools for Compliance Assurance and Enhanced Transparency

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