Next Gen App for Lending

Technology providing contactless process for end-to-end lending solutions. A product to revolutionize the lending industry.

Disrupting the Lending experience

Digital lending is one of the fastest growing fintech segment allover. DigiLending provides the solutions for rising customer demand of contactless transactions giving lenders the latest technology to provide borrowers with maximum convenience

Features

  • Instant Access to loan/overdraft using Mobile and Web apps
  • Digital Onboarding and Profile check (CIBIL and WatchOut Investor)
  • Digital Agreement execution and Stamp duty processing
  • API Integration with depositories for stocks
  • For mutual fund API integration with CAMS and KFIN
  • Instant drawing power calculation
  • Automated process for Pledge Creation and pledge Closure
  • Customized UI/UX as per requirements

DigiLending Uses

Digital Onboarding
Financial Health Check
Pledge Creation & Closure in Auto-Mode
Loan Amount Enhancement
Add Multiple Lending Products
Online Grievance Redressal
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Author Name

Co-Founder and CEO of Company

Frequently Asked Questions

Digital Lending & Origination

What is digital lending, and how does DigiLending enable it?
Digital lending means disbursing loans end-to-end through secure web or mobile channels without branch visits. Landmark Systems and Solutions' DigiLending is a virtual lending platform where that lets banks and NBFCs launch fully online lending journeys in just a weeks time.
What types of digital loans products can we offer?
The DigiLending platform can originate consumer, SME and personal loans, top-ups, securities-backed loans and instant overdrafts against securities. You can mix fixed-term and revolving products under one dashboard.
How are loan agreements created, signed, and disbursed digitally?
On the DigiLending mobile / web app, upload your credit policy, map products, and connect core banking via APIs. The built-in Loan Origination System (LOS) handles intake, real-time KYC, bureau pulls and automated scoring. The embedded eSign and eStamp modules allows customers to sign and pay stamp duty online. Qualified borrowers then get approval and funds are disbursed in minutes, enabling instant loans on any device.

Integration & Deployment

How does DigiLending integrate with my core banking, regulatory bodies, and depositories?
We use standard REST APIs that connect to CERSAI, CKYC, NSDL and CDSL for lien marking, pledge creation and regulatory reporting, keeping compliance effortless.
What’s the typical implementation timeline from kick-off to go-live?
Our DigiLending solution is  deployed within four weeks, including integration of dKYC API for digital onboarding, core-system integration and customised UI/UX according to your brand's theme.

Pricing & Support

How does your pricing model work, and what support levels are available?
DigiLending runs on a SaaS model with no upfront capex. Pricing is pay-as-you-go, and we back it with 24×7 support, sandbox access, and on-site training for your lending and technology teams.

Security & Compliance

How do you secure customer data and ensure compliance with RBI, SEBI and IRDA standards?
DigiLending encrypts all data in transit with TLS 1.3 and with AES-256 at rest in ISO 27001 certified Indian data centres. We enforce strict Role Based Access Control (RBAC), multi-factor authentication, audit trails and real-time security alerts that align with RBI’s Cyber Security Framework. Quarterly VAPT tests and our 24×7 SOC satisfy SEBI’s Cyber Resilience rules, while data-retention and incident-response processes follow IRDAI guidelines.

Operations & Cost Efficiency

How does the system calculate interest, fees, and manage top-ups or rescheduling?
The rules engine in DigiLending automatically calculates interest, fees and GST daily or monthly and posts entries directly to your general ledger. Self service dashboards in the solution enable partial pre payments, top-ups and rescheduling requests, improving customer stickiness and lowering call centre load.
How does DigiLending reduce my operational costs compared to manual processes?
Straight-through processing (STP) eliminates manual data entry while automated eKYC, OCR-based document verification lowers turnaround time. The paperless workflow uses robotic process automation (RPA) and rule-based underwriting to cut labour, compliance and audit overheads. Lenders report a 50–60 percent fall in loan-processing cost within six months, improving cost-to-income ratios and operational efficiency.