Lending software for India

The world’s most digital lending infrastructure, with Aadhaar, UPI, account aggregators and the RBI digital lending rules. lendhero arrives with CIBIL, Aadhaar eKYC and UPI already connected, so your team configures products instead of plumbing.

See the local stack
  • INR (Rs)
  • English, Hindi
  • 19 local connectors
  • 1–2 weeks to launch

Namaste, Priya

ApprovedRs 50,000

725

Credit score

On-time payments

Monthly paymentRs 4,920

Market profile

India at a glance

What lendhero is set up for in India before your team logs in.

Currency

INR (Rs)

Languages

English, Hindi

Supervisor

Reserve Bank of India

Credit data

CIBIL, Experian India, Equifax India

Payout rails

UPI, IMPS, NEFT

Data protection

the DPDP Act 2023

19
local connectors wired in before kickoff
INR
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: English, Hindi

Working with borrowers in India

Tools for every borrower conversation

Borrowers in India apply, sign, pay and come back for repeat loans in English and INR.

Applications in minutes

Borrowers apply on the web or in the app, and staff file applications from the back office. A half-filled form waits for them to come back.

New application

Draft saved
Step 2 of 4 · Personal detailsStep 2/4

Reminders that get read

Approvals, due dates and overdue notices go out by WhatsApp Business and Gupshup automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowGupshup
New receipt in your portalKaleyra

Rewards for repeat borrowers

Points for on-time payments, promo codes for campaigns and manual adjustments by staff.

WELCOMEfirst loan
Bonus balance1,240 pts

A portal for repeat loans

Repeat borrowers reapply without retyping data, extend or repay from their phone.

Extend loan
Repay early
Refinance

Contracts without paperwork

Loan agreements, extension requests and receipts are generated and e-signed in English.

Loan agreementSigned
Extension requestReady
Payment receiptDraft

Decisioning

Decisions in seconds, explained in plain words

Third-party and built-in checks run in one flow, for individuals and businesses. Every approval and decline shows the rules and scores behind it.

  • Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
  • Rules you can readYour team can answer any borrower about why.

Application #48213

Priya · Consumer loan, 6 months · Rs 50,000

Approved
Credit score712
  • IdentityVerified
  • Anti-fraudPassed
  • Credit bureau712
  • Debt-to-income31%
  • Sanctions & watchlistsClear
Decision time28 s

Local stack

The India stack, connected before kickoff.

CIBIL, Aadhaar eKYC, UPI and WhatsApp Business are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries4 connectors
    • CCIBIL
    • EExperian India
    • EEquifax India
    • CCRIF High Mark
  • Identity & KYC3 connectors
    • AAadhaar eKYC
    • DDigiLocker
    • VVideo KYC
  • Bank & alternative data2 connectors
    • AAccount Aggregator
    • GGST data
  • Disbursement rails3 connectors
    • UUPI
    • IIMPS
    • NNEFT
  • Repayments & collections2 connectors
    • UUPI AutoPay
    • eeNACH
  • Messaging3 connectors
    • WWhatsApp Business
    • GGupshup
    • KKaleyra
  • E-signature2 connectors
    • AAadhaar eSign
    • LLeegality

Checks and payments

Who borrows and how money moves in India

Applicants are checked with CIBIL and Experian India, and money moves via UPI and IMPS.

Client checks

Checks connected in India:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationAadhaar eKYC, DigiLocker, Video KYCPass
  • Credit bureausCIBIL, Experian India, Equifax IndiaPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataAccount Aggregator, GST dataReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in India:

DisbursementUPI, IMPS, NEFT in INR
RepaymentUPI AutoPay, eNACH
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • UPI
  • IMPS
  • NEFT
  • UPI AutoPay
  • eNACH

Loan servicing

Every loan and every repayment on one screen

Edit terms, recalculate interest, apply penalties and follow the full schedule without exporting anything.

  • Automatic calculations for every loanInterest, fees and penalties in INR are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
  • Loan products in minutesSet up consumer, instalment and business products with their rules and scenarios in the admin panel, without a release.
  • Notifications tied to every calculationEach due date, penalty and recalculation sends the right message to the borrower and your team.

Loan #48213

Rs 50,000

On track
Auto-calculated · 200+ parametersManual edit
Repaid Rs 17,830 of Rs 53,5002 of 6 payments
DateAmountStatus
Sep 4Rs 8,920Paid
Oct 4Rs 8,920Paid
Nov 4Rs 8,920Due in 7 days
Dec 4Rs 8,920Upcoming
Jan 4Rs 8,920Upcoming
Reminder sentYour payment of Rs 8,920 is due Nov 4

Loan flow

How a loan runs in India. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in English and Hindi.
  2. 02VerifyIdentity and documents are checked through Aadhaar eKYC and DigiLocker.
  3. 03DecideScorecards pull CIBIL and Experian India data and return a decision in seconds.
  4. 04DisburseFunds go out via UPI or IMPS in INR, straight after signing.
  5. 05CollectRepayments arrive via UPI AutoPay and eNACH, with reminders over WhatsApp Business.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

Rs 50,000

Next payment

Rs 8,920 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

PriyaVerifierApproved
Daniel O.AnalystReview
Maria L.RiskApproved
Tomas K.AnalystDeclined
Lena P.VerifierReview

Staff portal

Managers, analysts, risk, verifiers and collectors work side by side.

Role · Verifier

12 users
View applications
Verify documents
Approve loans
Edit loan terms
Export reports

Super-admin portal

Products, roles, permissions and rules change without a release.

Products

What lenders in India launch on .

Consumer instalment loansPersonal loans under RBI digital lending guidelines.
Business lendingGST- and AA-based loans for MSMEs.
BNPL & POSConsumer durable loans at checkout.

Compliance

Configured for RBI and the DPDP Act 2023.

lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in India.

Hosting & data residency

Cloud or on-premise deployment, with data stored where the DPDP Act 2023 requires.

Consent & privacy

Borrower consents are captured, versioned and logged under the DPDP Act 2023.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for RBI rules.

Audit trail

Every decision, edit and message is logged for internal and external audits.

More markets in South Asia

All Asia markets

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Can lendhero run a lending business in India?+

Yes. The platform is set up for INR, English and Hindi and RBI requirements, with 19 local connectors ready on day one.

Which credit data sources are connected in India?+

CIBIL, Experian India, Equifax India. On top of that, identity checks run through Aadhaar eKYC, DigiLocker and Video KYC and bank data comes from Account Aggregator and GST data.

How do borrowers get paid and repay?+

Payouts go out via UPI, IMPS and NEFT in INR. Repayments arrive via UPI AutoPay and eNACH, with reminders over WhatsApp Business and Gupshup.

How long does a launch in India take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 19 local services, product setup, staff training and a test run.

Can we run several countries on one platform?+

Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.

Book a demo

Lending in India? Let’s plan the launch.

We’ll walk you through the platform, show what matters for your products and answer questions about your business.

  • A 30-minute call
  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

Tell us about your lending

We reply within one business day.

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