XPndAI builds custom loan management software (LMS) for NBFCs, banks, and lenders — covering origination, underwriting, disbursement, collections, and NOC with full RBI compliance.
End-to-end AI and software engineering with measurable enterprise outcomes.
End-to-end loan origination: application intake, document collection, bureau pulls, income assessment, and credit decisioning in a single workflow.
Automated credit underwriting with bureau integration (CIBIL, Experian), GST analysis, bank statement parsing, and internal scorecard computation.
Automated disbursement workflows integrated with NACH mandate registration, bank account verification, and payment gateway disbursal.
Automated EMI computation, prepayment handling, part-payment allocation, penal interest, and foreclosure processing with regulatory compliance.
DPD-based collection queues, automated reminder calls via AI voice agent, promise-to-pay tracking, and field collection management.
Real-time portfolio dashboards: delinquency aging, NPA buckets, cohort performance, and AI-generated early warning signals for credit risk teams.
An MSME lending NBFC needed a full LMS to replace their spreadsheet-based processes. We built a complete system covering loan origination through collections, integrated with CIBIL, GST portals, and their disbursal bank — reducing loan processing time and enabling scale without proportional headcount growth.
A cooperative bank needed custom gold loan software with metal rate integration, pledge management, auction triggers, and RBI regulatory reporting. We delivered a purpose-built system that handles their entire gold loan portfolio — from appraisal to closure.
Talk directly to our lead engineers. We audit your requirements, propose the exact architecture, and give you a transparent roadmap — all in one call.