Customer Overview
C-Edge Technologies powers over 1,500 cooperative and regional rural banks across 4,900 branches, supporting a large share of India’s rural financial ecosystem. Its network manages 7 lakh gold loan accounts across rural and semi urban markets.
What Needed to Change
Gold loan disbursements were taking 4 to 8 hours, valuation processes were inconsistent, and LTV monitoring was largely manual. The business needed faster disbursement, stronger compliance, and more scalable branch operations.
How the Transformation Took Shape
ezee.ai deployed a CBS integrated digital gold loan platform with automated appraisal, real time LTV calculation, audit trails, auction workflows, and live gold rate integration. This enabled policy driven processing across branches with minimal manual intervention.
Results That Mattered
- Disbursement time dropped from 48 hours to 5 minutes.
- Credit underwriting time reduced by 90 percent, while sanction cost fell by 35 percent.
- Approval rates reached 85 percent, and new customer acquisition capacity scaled 20x.
