SHG Lending Transformed: 95% Repayment, 3X Productivity, 30% Lower Operations
SHG lending, rewired for scale
A leading Indian conglomerate lender managing ₹50,000 crore in SHG credit across 30,000 SHG-linked branches faced rising operational risk: slow, paper-heavy onboarding, inconsistent KYC, and hidden overexposure were eroding speed, control, and trust. In a market where SHG lending anchors rural inclusion for 9.1 million groups and 100 million women, the lender needed a digital backbone that could accelerate disbursals while strengthening group integrity, repayment discipline, and compliance.
That’s where ezee.ai made the difference.
From paper-driven SHG workflows to real-time, risk‑intelligent lending
The lender deployed ezee.ai’s no-code loan origination platform purpose-built for SHG operations—digitizing onboarding with eKYC/CKYC/Aadhaar, embedding cross‑bureau de‑dupe and rule-based limits, and orchestrating dynamic workflows that adapt instantly to waivers or moratoriums. Mobile-led e‑collections (UPI/NACH), geo-tagged field ops, purpose‑tagged disbursals, end‑use validation, and live risk dashboards with geo‑mapping created a closed‑loop system for speed, portfolio quality, and audit‑ready compliance at scale.
Inside the transformation
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Approvals cut from 10–15 days to 2–3 days, unlocking faster liquidity and credit velocity across rural markets.
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Collections locked at 95%+ via digital reminders, UPI/NACH automation, and attendance‑linked discipline.
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NPAs reduced by 15–20% through cross‑bureau de‑dupe, real‑time scoring, and early warning triggers.
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Per‑loan field costs dropped 25–30% with end‑to‑end digitization and mobile‑first field execution.
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Staff productivity rose 2–3X as unified dashboards and income/utilization analytics replaced manual bottlenecks.
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100% RBI/NABARD alignment achieved with CKYC, Aadhaar, and geo‑tag verification for instant audit readiness.
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₹1,200 crore annual liquidity unlocked by compressing approval cycles and accelerating disbursals.
- Portfolio resilience improved by pre‑empting ~25% potential delinquencies through predictive risk insights.
Download the full case study
See how a zero‑code LOS, embedded compliance, and data‑driven decisioning de‑risked a ₹50,000 crore SHG portfolio while achieving 95%+ repayment, 3X productivity, and 30% lower operating costs – at nationwide scale.
