Intelligrow is India’s most trusted NBFC software — powering loan origination (LOS), credit assessment, loan servicing, and collections in one API-first platform. Cut loan cycle time by 80%, reduce opex by 40%, and stay fully RBI compliant.
Lenders live
₹5,00,000 · 24 mo
MONTHLY EMI
Our lending experts will walk you through a personalised demo configured for your NBFC — gold loans, business loans, microfinance, or any other product.
Specialized core modules designed for high-performance financial institutions.
API-first architecture for rapid
deployment of Buy-Now-Pay-Later and digital credit products.

Specialized valuation modules

Asset tracking integrations
Specialized core modules designed for high-performance financial institutions.
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Specialized core modules designed for high-performance financial institutions.
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One NBFC software platform. Four powerful modules. First lead to final repayment — fully automated.

AI-driven lead capture, digital KYC, and bureau integrations let you approve qualified borrowers in under 3 minutes — no paperwork, no waiting rooms. Our loan origination software (LOS) for NBFCs reduces TAT by 80% and automates credit decisioning end-to-end.
Avg. approval time

Blend multi-bureau scores with alternative data — GST returns, bank statements, social signals — to build scorecards that predict default before it happens. Our AI credit assessment software is trusted by 500+ NBFCs across India.

Flexible repayment schedules, part-payments, restructuring, and a borrower self-service portal — manage the full loan lifecycle without switching screens. India's most comprehensive loan management system (LMS).
Audit trail coverage

Smart nudge engine, WhatsApp/IVR automation, GPS field agent app, and legal recovery module — cut bucket-1 delinquency before it becomes NPA. RBI-compliant digital collections built for Indian lenders.
Recovery improvement
Bucket-3 NPA
We provide end-to-end expertise to help you leverage the power of the Mifos
ecosystem, customized for your specific business requirements.
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Mifos is a global open-source platform for microfinance and core banking (built on Apache Fineract), enabling institutions to build scalable digital systems without proprietary lock-in.




Mifos is a global open-source platform for microfinance and core banking (built on Apache Fineract), enabling institutions to build scalable digital systems without proprietary lock-in.




Mifos is a global open-source platform for microfinance and core banking (built on Apache Fineract), enabling institutions to build scalable digital systems without proprietary lock-in.




Mifos is a global open-source platform for microfinance and core banking (built on Apache Fineract), enabling institutions to build scalable digital systems without proprietary lock-in.




Mifos is a global open-source platform for microfinance and core banking (built on Apache Fineract), enabling institutions to build scalable digital systems without proprietary lock-in.




Mifos is a global open-source platform for microfinance and core banking (built on Apache Fineract), enabling institutions to build scalable digital systems without proprietary lock-in.




Mifos is a global open-source platform for microfinance and core banking (built on Apache Fineract), enabling institutions to build scalable digital systems without proprietary lock-in.




India's lending sector is growing faster than ever — and the gap between NBFCs using modern loan management software and those still on spreadsheets is widening rapidly. Intelligrow is an end-to-end, API-first NBFC software platform designed to help non-banking financial companies, microfinance institutions (MFIs), and money lenders go fully digital — from first lead to final EMI collection.
What is Intelligrow's Loan Management System (LMS)?
Intelligrow's Loan Management System (LMS) is a cloud-native platform that automates the complete loan lifecycle. It combines a Loan Origination System (LOS), AI-powered credit assessment software, loan servicing, and a digital collections platform into one unified dashboard. NBFCs no longer need to juggle multiple tools — Intelligrow replaces them all.
The platform supports every major loan type used in India: gold loan software, business loan management, microfinance software, personal loan origination, vehicle loan processing, and BNPL / buy-now-pay-later products. Any new loan product can be configured in hours using our no-code workflow builder — no developer needed.
Loan Origination Software (LOS) for Indian NBFCs
Our loan origination software digitises every step of the borrower journey — from online application and Aadhaar e-KYC verification to multi-bureau credit pulls (CIBIL, Experian, Equifax), automated underwriting, and digital disbursement via NEFT/IMPS. Average loan approval time drops from 3 days to under 4 hours. Our LOS is RBI-compliant and integrates with GST portals, Account Aggregator (AA) frameworks, and all major CBS systems.
AI-Powered Credit Assessment for Better NPA Control
Intelligrow's AI credit assessment engine is trained on over 40 million borrower profiles from across India. It blends traditional bureau scores with alternative data — bank statement analysis, GST return health, UPI transaction patterns — to generate accurate risk scores in under 2 seconds. NBFCs using Intelligrow report NPA rates as low as 1.2%, compared to the industry average of 3–5%.
Custom scorecards can be built per product type — so your gold loan scorecard behaves differently from your MSME business loan scorecard. Risk tier segmentation allows lenders to offer differentiated pricing based on borrower quality, improving portfolio yield without increasing risk.
RBI-Compliant Digital Lending Platform
Compliance is built in — not bolted on. Intelligrow is fully aligned with RBI digital lending guidelines 2024, including mandatory KRAs for LSPs, digital loan agreement (DLA) requirements, Fair Practice Code disclosures, and CKYC/Aadhaar integration. Every transaction generates a tamper-proof audit trail. Data is stored within India under AES-256 encryption — meeting both RBI data localisation mandates and ISO 27001 requirements.
Why 500+ Lenders Choose Intelligrow Over Competitors
Unlike competitors such as Finezza, CloudNBFC, or LendFoundry who offer point solutions, Intelligrow is a unified lending OS — one platform covering origination, assessment, servicing, and collections, with a white-labelled borrower app available in 12 Indian languages. Go live in 2–4 weeks with full CBS integration, data migration support, and a dedicated customer success manager. Pricing scales from small MFIs disbursing 20 loans/month to enterprise NBFCs processing thousands of daily applications. Start your 14-day free trial today — no credit card required.

Digital Onboarding

Credit scoring

Loan tracking

Collection management

Analytics dashboards

Multi-branch support

Mobile field apps

Compliance Hub






























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Unlike generic platforms, Intelligrow is built on the Mifos X core, providing an open, flexible foundation specifically optimized for the unique regulatory and operational needs of NBFCs and Microfinance institutions in emerging markets. We combine enterprise-grade security with deep domain expertise.
Unlike generic platforms, Intelligrow is built on the Mifos X core, providing an open, flexible foundation specifically optimized for the unique regulatory and operational needs of NBFCs and Microfinance institutions in emerging markets. We combine enterprise-grade security with deep domain expertise.
Unlike generic platforms, Intelligrow is built on the Mifos X core, providing an open, flexible foundation specifically optimized for the unique regulatory and operational needs of NBFCs and Microfinance institutions in emerging markets. We combine enterprise-grade security with deep domain expertise.
Unlike generic platforms, Intelligrow is built on the Mifos X core, providing an open, flexible foundation specifically optimized for the unique regulatory and operational needs of NBFCs and Microfinance institutions in emerging markets. We combine enterprise-grade security with deep domain expertise.
Unlike generic platforms, Intelligrow is built on the Mifos X core, providing an open, flexible foundation specifically optimized for the unique regulatory and operational needs of NBFCs and Microfinance institutions in emerging markets. We combine enterprise-grade security with deep domain expertise.
Key trends and technologies shaping the future of micro-lending globally.
How to manage multi-branch expansion with cloud-based infrastructure.
A technical deep-dive into extending the core lending engine.
Join 500+ NBFCs & lending institutions using Intelligrow. Get a personalised demo with your own loan products and live data — in under 2 hours.