We built a fully digital loan origination system for a fast-growing NBFC — with KYC automation, e-sign, bureau integration, and a collector dashboard that scaled to 18,000 active borrowers.
Who we worked with, what they were trying to fix, and what we shipped on the engagement.
Sapna Finance is a regional NBFC serving small-business and two-wheeler loans across UP and Bihar. Their loan officers were running everything on paper and Excel — averaging 5 working days from application to disbursal.
Mejona was brought in to digitize the entire origination-to-collection flow and plug into India's open KYC + bureau rails.
Read the situation and the fix side by side — one row per problem we solved on this 7 months engagement.
Manual KYC and document checks adding 2+ days to every application
Built a digital LOS with paperless KYC via CKYC + Aadhaar e-Sign
No real-time visibility into funnel — 38% drop-off between application and disbursal
Integrated CIBIL, Experian and CRIF High Mark with a smart caching layer
Collections team calling borrowers from spreadsheets
Automated credit policy engine with rule-based decisioning
Bureau pulls costing ₹85 per inquiry with no caching layer
Built a collector mobile app with priority routing and field-level collection tracking
Compliance reporting taking 6+ days at quarter-end
Real-time RBI-compliant reporting dashboard for leadership
Every metric on this page is pulled from the actual production system — not projections.
Our loan officers now approve more loans in a morning than they used to in a week. The collections team calls from a single priority list and field recoveries are up 22% — without adding headcount.
Book a free 30-minute strategy call. We'll review your idea, share the next 3 things that would move it forward, and ship a line-item quote within a week — no obligation.
Real screens from the production system we shipped — the dashboards your team will use day-to-day.
Let's discuss how we can help you transform your business.
