Stay compliant. Lend faster.
Lending and compliance software, written from the lender's side of the desk, for India's regulated lenders.
- Built inside an NBFC
- 4 credit bureaus, each in its own format
- Your data stays in India
- New leads142
- Follow-up scheduled58
- Qualified31
- Sent to origination24 today
- KYC and documentsDone
- Credit checkDone
- Underwriting rulesIn progress
- ApprovalPending
- 05 Aug · ₹42,485Paid
- 05 Sep · ₹42,485Paid
- 05 Oct · ₹42,485Due
- 05 Nov · ₹42,485Upcoming
- Records12,480
- Validation errors0
- FormatTUDF
- Monthly bureau submissionFiled
- Quarterly regulatory returnDue in 6 days
- Board committee minutesOverdue
- Statutory audit filingFiled
- 80,000+active loan accounts running on the platform
- 99%+data-quality score from the credit bureaus
- 6 weeksor less from signing to live, compliance module
- 99.8%system uptime
- 5modules, from first lead to bureau file
Sound familiar?
Where lending teams lose their week
Lending reality
Manual lending operations rarely break in one place. They leak time across reporting, filings and controls. Each of these has a module that fixes it.
- The problem
Still managing bureau files manually?
File generation and validation still depend on manual checks.The fix Cicon builds the CIBIL, Experian, CRIF and Equifax files from the same loan data. Cicon - The problem
Finding bureau errors only after a rejection?
Mistakes surface weeks later, when the bureau sends the file back.The fix Cicon checks every record against the bureau's format before the file is produced. Cicon - The problem
Compliance deadlines keeping your team awake?
Returns and filings are tracked in a spreadsheet, and checked too late.The fix Compliance Diary gives every return and filing a due date and an owner, and flags what is pending. Compliance Diary - The problem
Loan data spread across Excel sheets?
Critical borrower and repayment data still lives in exports.The fix Every module reads and writes one borrower record, so nothing lives in a side sheet. The platform - The problem
Disconnected LOS and LMS slowing growth?
Origination and servicing data drift apart as operations scale.The fix LOS takes each loan to disbursal and LMS runs it to closure, on the same record. LOS - The problem
Repayments hard to trace?
EMIs, interest and charges are worked out beside the loan system.The fix LMS records every EMI, interest and charge on the loan itself, paid, due or upcoming. LMS - The problem
Delayed reporting blocking visibility?
Teams wait on exports before they can answer basic questions.The fix LMS gives a live view of your book, and Compliance Diary shows what is filed, due and late. LMS - The problem
Losing leads between branches and DSAs?
Follow-ups live in notebooks and inboxes, and good cases go cold.The fix CRM puts every channel in one pipeline and tracks every follow-up. CRM - The problem
Applications stuck on re-keying and emailed approvals?
Every manual step adds days and another chance of error.The fix LOS runs KYC, credit checks and your credit rules in one flow, with every approval tracked. LOS
Cicon at work
From loan book to four bureaus, checked on the way
Every record is checked against each bureau's format before a file is built. Errors are caught and fixed here, not in a rejection weeks later.
- Loan bookThe same loan data feeds every bureau.
- ValidateEvery record is checked against each bureau's format.
- Detect and fix errorsProblems are shown for correction before anything is sent.
- Four bureau filesCIBIL (TUDF), Experian, CRIF High Mark and Equifax, with an audit record of each.
The platform
One platform around one borrower record
Five modules, in the order a loan moves. Each works on the same record, so nothing is entered twice and every report traces back to the loan. Compliance Diary runs alongside all of it.
- CRMLead to applicationCustomer relationship managementCaptures every lead from branches, DSAs and digital channels, and hands qualified cases straight into origination.
- LOSApplication to disbursalLoan origination systemApplication capture, KYC and documents, credit checks and rule-based underwriting, with every approval tracked.
- LMSDisbursal to closureLoan management systemRepayment schedules, EMI collections, interest and charges, and servicing through to closure, with a live view of your book.
- CiconBook to bureau fileBureau reportingConverts raw loan data into CIBIL (TUDF), Experian, CRIF and Equifax files, with built-in validation and error detection.
- Compliance DiaryRuns alongside every stageRegulatory compliance trackerMaps every regulatory return, statutory filing and board-level compliance to its due date and owner, and flags what is overdue.
100+ integrations, including See all
- TransUnion CIBIL
- Experian
- Equifax
- CRIF High Mark
- DigiLocker
- e-Sign
- Account Aggregator
- e-NACH
- BBPS
- ICICI Bank
- SBI
- PayU
- Digio
One view
Know where you stand before anyone asks
Bureau files, filings, collections and the pipeline on one screen, all read from the same loan record.
- Live loans12,480on the book
- Bureau files, September3 of 4validated, 0 errors
- Filings this month2 of 4filed, 1 overdue
- EMIs collected, October92%of amount due to date
Bureau submissions September
- CIBIL (TUDF)12,480 recordsValidated
- Experian12,480 recordsValidated
- CRIF High Mark12,480 recordsValidated
- Equifax10,733 recordsValidating
Compliance diary This month
- Monthly bureau submissionFiled
- Quarterly regulatory returnDue in 6 days
- Board committee minutesOverdue
- Statutory audit filingFiled
Live loans Last twelve months
Collections October, by week
- Paid on time 86%
- Paid late 6%
- Overdue 8%
Pipeline This week
- New leads142
- Follow-up scheduled58
- Qualified31
- Sent to origination24
How we work
Start small. Add what you need.
Start with compliance
Live in 6 weeks or less. It runs alongside your current loan system, so there is no migration.
Add modules as you grow
Origination, loan management, CRM and collections connect when you are ready, one at a time.
Keep one platform and one data model
Every module reads and writes the same borrower record, so your reports, returns and bureau files agree.
Data and security
Your data is yours.
We never sell it or look at it, and it never leaves India.
- A separate database and environment for every client.
- Hosted on any cloud or on your own servers. Your data stays in India.
- Every engagement starts with an NDA.
- Our support team has access only when you ask for it.
- Automated checks at every credit and compliance step, with officer override, recorded.
A reference you can call
Ask a lender who uses it
Del Capital, our sister company, has run its lending book on this platform since 2020, under live RBI supervision. Its compliance officer will take your call and answer your questions directly.
How long does it take to go live?
The compliance module goes live in 6 weeks or less from signing. It runs alongside your current loan system, so there is no migration.
Do we have to replace our current loan system?
No. Start with compliance, which works alongside what you have, and add modules as you grow. Each one joins the same borrower record.
Which credit bureaus do you report to?
All 4: TransUnion CIBIL, Experian, Equifax, CRIF High Mark. Each gets a file in its own format, built from the same loan data.
Where is our data kept, and who can see it?
In India, in a separate database and environment for your company only, on any cloud or on your own servers. Every engagement starts with an NDA, and our support team has access only when you ask for it.
Who uses it today?
Del Capital, our sister company and an NBFC, has run its lending book on this platform since 2020. Its compliance officer will take your call.
What kinds of lenders is it for?
India's regulated lenders: NBFCs, co-operative banks, ARCs and small finance banks.
What does it connect to?
100+ integrations, including PAN, Aadhaar, GST, e-Sign, DigiLocker, Account Aggregator, e-NACH and BBPS, with the four credit bureaus built in.
See it on a loan book like yours.
Request a demoOr write to [email protected], or call 022 4149 9978.