XPndAI builds custom AI loan origination systems (LOS) — from a focused underwriting module to a full digital lending platform covering borrower portal, KYC, underwriting AI, credit committee workflow, sanction, disbursement, and LMS integration. Modular pricing: start with one piece and build the platform over time. Fixed price. Your source code.
Start with the module that delivers the most immediate value. Each module has a clean API and integrates with the next. Scale the platform over time.
| Module | What's Built | India | UAE | |
|---|---|---|---|---|
| Standalone | Underwriting AI Module | Document extraction, bank statement analysis, bureau pull, policy rules, credit memo | ₹10L–₹18L | AED 50k–80k |
| Standalone | Borrower Onboarding Portal | Mobile-first web app: Aadhaar eKYC, DigiLocker, co-applicant, document upload, application form | ₹8L–₹14L | AED 40k–65k |
| Requires depends M1 | Credit Committee Workflow | Sanction workflow, waiver routing, approval hierarchy, audit trail, notification | ₹6L–₹10L | AED 30k–48k |
| Requires depends M3 | Sanction Letter & KFS Generation | Auto-generated sanction letter, KFS (RBI DLG compliant), T&C, borrower acceptance workflow | ₹4L–₹7L | AED 20k–35k |
| Requires depends M3 | Disbursement Automation | NACH / eNACH mandate, disbursement instruction to bank/RTGS, escrow management, co-lending split | ₹8L–₹15L | AED 40k–70k |
| Standalone | LMS / Repayment Tracking | EMI schedule, payment tracking, OD/bounce management, collections trigger, NOC generation | ₹12L–₹22L | AED 60k–100k |
| Full Stack | Complete LOS Build | M1+M2+M3+M4+M5 integrated, CBS/accounting integration, ops dashboard, reporting | ₹55L–₹1Cr+ | AED 275k–500k+ |
UIDAI eKYC, DigiLocker, PAN (NSDL/UTIITSL), face match + liveness — complete RBI-compliant onboarding.
CIBIL, Experian, Equifax, CRIF — real-time API. Cross-bureau comparison and discrepancy detection.
NPCI eNACH, RTGS/NEFT disbursement APIs, account verification (penny drop), Razorpay/PayU for fees collection.
GST filing verification, ITR XML fetch, GSTR-1/3B data pull — automated income verification for self-employed.
Push to existing LOS (Finflux, Nucleus, Mambu) or replace it. CBS / accounting system push for disbursement entries.
NBFC-bank co-lending split logic, originator/funder flow, co-lending LMS reconciliation — supported.
Already have an LOS? The AI Underwriting Agent integrates as a module — no LOS replacement needed.
See AI Underwriting Agent →Discovery workshop → system spec → fixed quote → build → source code handover. No ongoing licence.
AI loan origination software development is the process of building a custom digital lending platform that uses AI to automate and accelerate the loan application-to-disbursement workflow. This includes a borrower-facing mobile portal, AI-assisted KYC and document extraction (XPndAI Extract), automated underwriting (bureau pull, bank statement analysis, policy rules engine, credit memo), credit committee workflow, sanction letter and KFS generation, eNACH mandate, and disbursement automation. XPndAI builds these as custom systems — either as individual modules or as a full-stack lending platform — using fixed-price project pricing.
A modular LOS (Loan Origination System) is built as separate components — underwriting module, borrower portal, workflow module, LMS — that can be built independently and integrated together over time. This matters for three reasons: (1) budget: start with the highest-value module (often underwriting AI at ₹12L–₹18L) and add modules as the ROI is demonstrated; (2) risk: smaller scope per phase means less integration risk; (3) existing infrastructure: if you already have a borrower portal but need underwriting AI, you buy only what you need. XPndAI's LOS is designed modularly — every module has a clean API and can integrate with existing systems.
Timeline depends on scope. A single AI underwriting module: 8–10 weeks to production-ready. Borrower portal + underwriting: 12–14 weeks. Full LOS (portal + underwriting + workflow + sanction + disbursement): 18–24 weeks to go-live. Each delivery includes a 2-week UAT period. Timeline starts from signed SOW after the discovery engagement. XPndAI operates with phased delivery — each phase has a defined acceptance criteria and sign-off before the next phase starts, so you have visibility at every stage.
Yes. XPndAI builds LOS systems with integration as a first-class requirement. For India: Finacle, FLEXCUBE, Temenos T24, Mifos, custom CBS — all supported via REST API, SFTP batch, or database integration depending on what the CBS exposes. For accounting systems: Tally, Zoho Books, SAP B1, Oracle — disbursement and fee entries pushed automatically. For existing LMS (loan management systems): the LOS can push to an existing LMS rather than building a new one. Integration scope is documented in the discovery engagement and included in the fixed-price quote.
Tell us which modules you need and your existing LOS/CBS environment. Modular fixed-price quote in 5 days.
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