CloudBankin

CloudBankin is a cloud-based digital lending platform developed by an Indian fintech company focused on helping banks, microfinance institutions (MFIs), NBFCs, credit cooperatives, fintechs, and other lenders automate the entire lending lifecycle. The platform combines loan origination, loan management, credit decisioning, collections, accounting, reporting, and customer onboarding into a single lending infrastructure.

CloudBankin is particularly well known for its strong presence in microfinance, digital lending, group lending, MSME lending, and financial inclusion projects. The platform supports both individual and group-based lending models and is designed to help financial institutions digitize operations, reduce manual processes, and improve loan turnaround times.

SERVICES

• Digital Loan Origination: Enables lenders to automate borrower onboarding, application processing, document collection, e-KYC verification, underwriting, approval workflows, and loan disbursement.
• Loan Management: Provides end-to-end management of the loan lifecycle, including loan account administration, repayment scheduling, interest calculations, loan restructuring, settlements, and closures.
• Microfinance Management: Supports individual lending, Joint Liability Group (JLG) lending, Self-Help Group (SHG) lending, income-generation loans, emergency loans, and other microfinance products.
• Credit Decisioning: Helps lenders automate credit assessment through credit rules, scoring models, risk evaluation, policy-based approvals, and decision engines.
• Customer Onboarding & e-KYC: Supports digital customer acquisition through identity verification, e-KYC, document collection, onboarding workflows, and customer profiling.
• Collections Management: Enables lenders to monitor overdue loans, track delinquency, manage collections workflows, and improve recovery performance.
• Accounting Management: Provides integrated accounting functionality including chart of accounts, journal entries, accrual accounting, financial activity mapping, and financial reporting.
• Co-Lending Management: Supports co-lending programs where multiple financial institutions participate in funding and managing loan portfolios.
• Buy Now, Pay Later (BNPL): Supports BNPL product creation, approval workflows, repayment tracking, and customer management.

Countries