Built for the small-ticket, high-volume, PSL-heavy reality of SFB lending.
Mass-market retail and MSME at SFB scale, with the priority-sector and group-lending guardrails the segment requires.
SFBs are India's most-regulated lender category — 75% PSL achievement, small-ticket targeting, customer-base concentration limits — and they serve segments where every branch officer is trilingual and every borrower is touch-sensitive. CortexData was designed for this reality.
The problems we keep seeing in SFBs.
If two or more sound familiar, we should be talking.
75% PSL achievement target is non-negotiable. Today PSL classification is manual at sanction, often re-classified at quarter-end, and the Form A Q-end exercise consumes a 6-person team for a week.
PSL classifier runs at sanction, persists through the loan lifecycle, and quarterly Form A is generated end-of-quarter from live data. Weaker-sections + MSME-Micro flags carry through. Reclassification disputes are reduced to near zero.
Microfinance group-lending workflows don't fit a generic LOS. JLG / SHG groups, joint liability, cycle-based disbursement, rotating SI mandates — none of this comes out of the box anywhere.
Group-lending flows are first-class in CortexData. Joint-liability tracking, cycle-based disbursement, rotating mandates, and group-default handling are built in — because we designed for India's lending reality, not US or European banking.
Branch network across rural Maharashtra, MP, Bihar — branch officers are bilingual or trilingual. The customer needs Hindi and the local language. The platform speaks English.
EN, ಕನ್ನಡ, हिंदी ship as core. Customer artefacts (KFS, sanction letter, communications) render in the customer's language. The branch officer screen supports their working language. Other Indian languages on roadmap.
Fraud is a different shape than at private banks: synthetic identities at scale, agent-mediated fraud, KYC document recycling. Generic fraud platforms catch <20% of these.
Our fraud ensemble was tuned on Indian patterns: bureau-velocity, address-velocity, device fingerprinting, agent-attribution, KYC-doc-reuse detection. The Isolation Forest catches outliers the labelled models haven't seen. Trained on YOUR data, refined on YOUR feedback.
RBI calibration: SFBs operate under stricter capital adequacy + priority sector + small-ticket targeting. Our LOS doesn't enforce small-ticket caps; underwriters drift past them and we true-up at quarter-end.
SFB-specific configuration: small-ticket caps per product enforced at sanction, PSL Q-end achievement projection at sanction time, capital adequacy implications surfaced as the underwriter approves. Compliance becomes prevention, not correction.
The right CortexData modules for you
Loan Origination
Mass-market retail, MSME, gold, microfinance — all 8 product lines plus group-lending workflows.
Module details LMSLoan Management
Daily IRACP, channel reconciliation across NACH/UPI/IMPS, branch-cash receipts, dunning at scale.
Module details Co-LendingCo-Lending
SFB-as-originator + partner-NBFC programmes for portfolio diversification.
Module details PTCPTC / Securitisation
Securitise PSL pools to access debt-market funding, with RBI 2021 compliance built in.
Module detailsWhat changes after CortexData.
- 75% PSL target tracked daily, not panicked at quarter-end
- Form A and IRACP generated from source-of-truth data
- Group-lending (JLG / SHG) workflows that don't need spreadsheet wrappers
- Indian-pattern fraud detection trained on your data
- Capital adequacy implications surfaced at the underwriter screen
- Branch ops in EN + Hindi + regional language
- Channel reconciliation for NACH, UPI, IMPS, branch cash, branch cheque
- Audit chain that survives the SFB-tier RBI inspection cadence
Pilot CortexData on one product line, one region.
We'll deploy LOS + LMS for one product (typically MSME or microfinance) in one region in 90 days. You'll see PSL achievement tracked daily, group-lending workflows live, and the quarterly Form A generated end-to-end.