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The Del Labs lending technology suite

Five modules, in the order a loan moves. Start with one, and add the rest as you grow. Every module works on the same loan record.

Request a demoSee the five modules

The life of a loan, end to end

CRM takes the lead, LOS takes it to disbursal, LMS runs it to closure, and Cicon reports it to the bureaus. Compliance Diary keeps every filing on time alongside all of it.

The life of a loan on Del Labs A loan moves through seven stages: lead, application, KYC and documents, credit and underwriting, disbursal, EMIs and servicing, and the bureau file. CRM covers lead to application, LOS covers application to disbursal, LMS covers disbursal to EMIs and servicing, and Cicon covers servicing to the bureau file. Compliance Diary runs alongside every stage. LeadApplicationKYC anddocumentsCredit andunderwritingDisbursalEMIs andservicingBureau file CRM LOS LMS Cicon Compliance Diary, alongside every stage The life of a loan on Del Labs A loan moves through seven stages: lead, application, KYC and documents, credit and underwriting, disbursal, EMIs and servicing, and the bureau file. CRM covers lead to application, LOS covers application to disbursal, LMS covers disbursal to EMIs and servicing, and Cicon covers servicing to the bureau file. Compliance Diary runs alongside every stage. Compliance Diary, alongside every stage CRM LOS LMS Cicon Lead Application KYC and documents Credit and underwriting Disbursal EMIs and servicing Bureau file

Five modules

  1. CRM

    Customer relationship management

    Captures every lead from branches, DSAs and digital channels, and hands qualified cases straight into origination.

    Lead to application

  2. LOS

    Loan origination system

    Application capture, KYC and documents, credit checks and rule-based underwriting, with every approval tracked.

    Application to disbursal

  3. LMS

    Loan management system

    Repayment schedules, EMI collections, interest and charges, and servicing through to closure, with a live view of your book.

    Disbursal to closure

  4. Cicon

    Bureau reporting

    Converts raw loan data into CIBIL (TUDF), Experian, CRIF and Equifax files, with built-in validation and error detection.

    Book to bureau file

  5. Compliance Diary

    Regulatory compliance tracker

    Maps every regulatory return, statutory filing and board-level compliance to its due date and owner, and flags what is overdue.

    Runs alongside every stage

See each module at work

Pick a module to see a sample screen: the lead pipeline, an application moving through its checks, an EMI schedule, a validated bureau file, and this month's compliance diary.

Lead pipelineAll channels, this week
  • New leads142
  • Follow-up scheduled58
  • Qualified31
  • Sent to origination24 today
Illustrative screens. Sample data, not a real lender.

API integrations, built in

Identity, credit, tax and utility checks run inside the workflow, so nothing is checked by hand on another website and typed back in.

  • PAN verification
  • CIBIL integration
  • UIDAI Aadhaar
  • GST verification
  • Financial analysis
  • E-Sign
  • OTP verification
  • Driving licence verification
  • Electricity bill verification
  • LPG verification

Built-in business rule engines (BRE) for automated decision making and risk assessment across all verification processes.

Decisions made by your rules

The rule engine reads every check and applies your credit policy the same way, every time. An officer can override a decision, and the override is recorded.

How the business rule engine decidesFive inputs, PAN, Aadhaar, credit bureau score, GST and bank statement analysis, feed the business rule engine. It checks each rule in turn: KYC matched, bureau score within policy, obligations within limit. The application is then approved, referred to a credit officer, or declined. Here it is approved. An officer can override the decision, and the override is recorded.PANAadhaarCredit bureau scoreGSTBank statement analysisBusiness rule engineKYC matchedBureau score within policyObligations within limit Approve Refer to credit officer Decline Approve Officer override, recordedHow the business rule engine decidesFive inputs, PAN, Aadhaar, credit bureau score, GST and bank statement analysis, feed the business rule engine. It checks each rule in turn: KYC matched, bureau score within policy, obligations within limit. The application is then approved, referred to a credit officer, or declined. Here it is approved. An officer can override the decision, and the override is recorded.PANAadhaarCredit bureau scoreGSTBank statement analysis Business rule engine KYC matchedBureau score within policyObligations within limit Approve Refer to credit officer Decline Approve Officer override, recorded
Illustrative. Rules follow your credit policy.
  • 5modules, from first lead to bureau file
  • 4credit bureaus, in each one's own format
  • 6 weeksor less from signing to live, compliance module
  • 99.8%system uptime
  • 100+integrations

See it on a loan book like yours.

Request a demo

Or write to [email protected], or call 022 4149 9978.