Customer Overview
A major Indian conglomerate lender with 30,000 SHG-linked branches and 6 billion in active SHG loans sought to modernize rural lending at scale. Manual processes were creating onboarding bottlenecks, compliance gaps, and portfolio risk across a large self-help group network.
What Needed to Change
Paper-heavy workflows, fragmented systems, and weak visibility into group-level exposure were slowing approvals and increasing risk. The lender needed stronger credit discipline, better collections, and real-time risk control across the SHG lifecycle.
How the Transformation Took Shape
ezee.ai implemented a fully digital, no-code loan origination platform with bureau-linked checks, digital onboarding, mobile collections, early warning systems, and real-time core banking integrations. The rollout replaced legacy processes with a unified lending workflow built for scale, compliance, and proactive risk management.
Results That Mattered
- SHG loan approvals dropped from 10 to 15 days to just 2 to 3 days.
- Collection rates reached 95 percent, while staff productivity improved by 2 to 3 times.
- Per-loan field costs fell by 25 to 30 percent, and NPAs linked to over-indebtedness dropped by 15 to 20 percent.
