Originate every loan your bank books — on one stack.
Eight product lines. Three languages. Every RBI compliance artefact in the box.
CortexData LOS is the only loan origination system built ground-up for Indian retail and MSME lending. From application capture to disbursement, every step is RBI-aligned, auditable, and instrumented for ML decisioning.
- 8 product lines: Personal, Home, Vehicle, MSME, Education, CC/OD, LAP, Gold
- RBI Annex II Key Fact Statement auto-generated per product, per language
- Scorecard + ML probability-of-default decisioning with full attribution
- Sanction matrix with maker-checker, dual-control, exposure caps, CD-ratio gate
- End-to-end KYC orchestration: penny-drop, bureau, BSA, Bhoomi, Vahan
- Customer-facing artefacts in EN · ಕನ್ನಡ · हिंदी
- 018 product lines: Personal, Home, Vehicle, MSME, Education, CC/OD, LAP, Gold
- 02RBI Annex II Key Fact Statement auto-generated per product, per language
- 03Scorecard + ML probability-of-default decisioning with full attribution
- 04Sanction matrix with maker-checker, dual-control, exposure caps, CD-ratio gate
Everything you need to originate. Nothing you don't.
LOS isn't a configurable form-builder. It's a deeply opinionated origination platform that encodes RBI guardrails as code — so your engineers spend their time on differentiation, not on regulatory plumbing.
8 product lines, day one
Personal, Home, Vehicle, MSME, Education, CC/OD, LAP, and Gold — each with product-specific underwriting, document checklists, KFS templates, and sanction matrices.
RBI KFS auto-generation
Annex II Key Fact Statement rendered per product, per language. APR breakdown, cooling-off, grievance escalation. Stored in the immutable audit chain.
KYC orchestration
Penny-drop, video KYC, Aadhaar offline, PAN, bureau pull, BSA, Bhoomi land records, Vahan/Sarathi. Per-product checklist resolves required vs. optional documents.
Scorecards + ML credit decisioning
WOE-based scorecards with calibrated GB probability-of-default model. Per-product cutoffs (FOIR, LTV, DTI, vintage). Decision trace + feature attribution to your audit log.
Sanction matrix + maker-checker
Authority-limit ladder (Branch / Cluster / Regional / HO), dual-control gates, single-borrower + group-exposure caps, CD-ratio prudential check.
Underwriter workflow
Field underwriter mobile app + branch underwriter desk. Claim, review, scorecard preview, decision (approve/reject/defer/escalate), rationale capture.
Document checklist engine
Per-product checklist seeded automatically from the application. OCR mismatch counter, rejection-with-reason, customer re-upload loop.
EN · ಕನ್ನಡ · हिंदी
Customer artefacts (KFS, sanction letter, communications) render in three languages with the same legal and arithmetic guarantees.
Cooling-off + DLG compliance
RBI Digital Lending exit window with pro-rata interest reversal, transparent fee disclosure, grievance redressal SLA tracking.
What CortexData LOS does for your compliance team
| RBI directive / framework | CortexData implementation |
|---|---|
| RBI Digital Lending Guidelines (Sept 2022) | KFS auto-generation (Annex II), 7/14-day cooling-off with pro-rata math, fee transparency, grievance escalation pathway |
| RBI Master Direction — Priority Sector Lending (PSL) | PSL classifier at sanction; weaker-sections + MSME-Micro tagging; PSL tracking from disbursement to closure |
| RBI Master Direction — Gold Loan | Per-pledge LTV math at origination, hallmarking + valuation engine, RBI-cap clamps |
| RBI Housing Finance Master Direction | LTV bands by ticket size, pre-EMI handling, builder-tie-up registry, K-RERA verification hook |
| RBI Master Circular — Exposure Norms | Single-borrower limit, group-exposure cap, related-parties register, CD-ratio prudential check |
| RBI MSME Guidelines (incl. CGTMSE) | MSME categorisation, CGTMSE coverage workflow, GSTN income verification adapter |
Frequently asked questions
See LOS originate a loan in your branch's name.
We bring a working environment to your office. Your team applies for a loan in real time. You see the KFS, scorecard, sanction letter, and audit trail before lunch.