Digital Lending

There is a great shift in lending patterns towards digital and use of data to credit rate customers.

In the new world customer Onboarding needs to be 100% digital, mobile based with zero paper and manual intervention.

AI/ML technologies credit rating models are able to consume the large digital footprint and provide ever more accurate credit scorecards resulting in lowered NPAs, faster scale and AUM growth.

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Novopay's online loan management system & its modules.

MFI Loans

Try our robust and functionally rich MFI lending solution for end to end loan management from origination to collections

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SME Loans

We offer customized Small & Medium-sized Enterprise (SME) loan products to help you disburse loans faster

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Vehicle Loans

Our intuitive platform helps you to provide loan options to buy vehicles for your customers

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Loan Against Property

Provide loans easily for both residential & commercial property for your customers

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Personal Loans

We offer a solution to disburse personal loans for your customers online

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Business Loans

We offer a solution which helps you to take care of  your customer's capital requirements

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Download the Digital Lending Solutions brochure for Banks, NBFCs and Fintechs

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People gathered to take microfinance loans

Micro Finance Loans

Novopay brings a highly matured offering for Micro Finance and Community Banking companies. Loan officer Apps for online and offline operations in the field, Web based Loan origination and Credit under-writing, robust Loan Management, Full-fledged accounting, Loan collections, pre-built integrations and powerful analytics for business insights.

sme loan

Small & Medium-sized Enterprises Loans

Initial capital and working capital are required to run any SME business smoothly. Novopay offers customized Small & Medium-sized Enterprise (SME) loan products to help you disburse loans faster

Vehicle loan

Vehicle Loans

Looking for a platform to dispense loans faster?
Novopay brings to you an intuitive platform for you to provide loan options to buy two wheelers, cars, farm equipment and commercial vehicles for your customers.

Loan against property

Loan Against Property

Novopay supports loan against property(LAP) in its platform for providing loans for both residential and commercial properties which can be mortgaged for availing a loan.

Individual taking personal loan.

Personal Loans

Novopay offers a solution to disburse personal loans for your customers to avail loan from the comfort of their home or office and get quick loan disbursal with a seamless experience.

Business loans

Business Loans

Novopay's flexible solutions helps you to take care of not just your customer's capital requirements but also working capital needs towards everything from buying or replenishing inventory, to purchasing equipment & for office expansion


An image showing the loan origination workflow

LOS - Loan Origination System

• Easy product setup and configuration.
• Ability to configure collaterals and manage workflows.
• Flexibility to configuring reports, generate letters/memos, loan application forums and loan agreement.
• Flexible loan processing workflow based on BPMN.
• Easily configureable workflows and loan processing stages.
• Ability to handle multiple roles, configure maker-checker flows and including contact point verifications and reference checks.

An image showing the loan management workflow

LMS - Loan Management System

• Achieve comprehensive loan management of your loan products.
• Configurable Loan product definition.
•  IFRS compliant LMS.
• Asset classification as per RBI norms.
• Integrated Loan performance dashboards.
• AI models for credit monitoring.

collection management system workflow.


• Lenders can allocate collections to organisation and collection agents.
• Manage tasks, KPI's & attendance for agents.
• Lenders can settle payments to lender accounts and conduct reconciliation.
• Manage end to end cash based collections.
• Lenders can manage collections better, manage collection agents and get complete control on collection process.

Stages of the AI Analytics.


• Process hundreds of data points for collected for credit decisioning for a more accurate default prediction.
• Neural network based AI architecture to ingest numeric and categorical data for assessing default probabilities.  
• Visual AI workbench enabling the lender to model data. No need to understand coding.
• One-click deployment of AI models into production infrastructure. Giving the power back to lender.


Novopay's Digital Banking solutions runs a very successful digital payments program for us that has grown rapidly in a competitive market
Vaibhav Joshi
Cheif Digital Officer, Equitas Bank