The 15-Minute Loan:
A Top 10 NBFC’s Journey to AI-Enabled MSME and Personal Lending Excellence

Breaking Free from Manual Lending Constraints

In India’s vibrant MSME landscape home to over 63 million enterprises and ₹40 lakh crore in outstanding credit a leading NBFC managing ₹6,500+ crore in assets and serving millions of borrowers was hitting a bottleneck.

Despite solid profitability and a 12.8% NIM, manual credit assessments and fragmented workflows made rapid, scalable lending nearly impossible.

Traditional loan origination meant days of processing, limited integration, and approval rates below 70%, while competitors were turning around applications in minutes.

To maintain leadership and meet the digital expectations of modern borrowers, the NBFC needed a high-velocity lending engine that merged speed, intelligence, and compliance into one seamless system.

From Legacy Workflows to AI-Driven Lending

Partnering with ezee.ai, the NBFC redefined MSME and personal lending through an AI-powered, zero-code loan origination platform—built for speed, scale, and precision.

The transformation replaced legacy infrastructure with a cloud-native architecture capable of processing over 1,000 loan applications per hour, integrating with 55+ third-party APIs for real-time eligibility, KYC, and fraud checks.
AI-driven decisioning now delivers approvals in under 15 minutes, while automated compliance workflows maintain over 99% policy adherence with complete audit trails.

What once required days of manual verification now happens in minutes.
What once needed IT intervention now runs with zero-code configuration.

Inside the Transformation

This case study reveals how:

• The NBFC expanded customer onboarding by 400%, driving deeper financial inclusion and market reach.

• Loan disbursal times dropped from days to just 15 minutes, redefining borrower expectations and satisfaction.

• Manual work and errors were reduced by 90%, creating frictionless, high-accuracy lending operations.

• AI-driven credit scoring improved lead-to-loan conversions by 35%, boosting efficiency across acquisition channels.

• Approval accuracy reached 99%, ensuring qualified borrowers received instant, data-validated decisions.

• System uptime hit 99.9%, enabling always-on loan processing and business continuity at scale.

• Profitability surged by 174%, powered by automation, analytics, and operational excellence.

Together, these outcomes built a future-ready lending model—delivering speed without risk, automation without compromise, and customer delight at every step.

Download the Full Case Study

See how this top NBFC achieved AI-led velocity in lending—delivering personal and MSME loan approvals in just 15 minutes.