Technology partner for financial & enterprise organizations

Engineering growth with AI-powered technology.

Vruddhi Tech builds the intelligent software and data backbone that helps banks, NBFCs and enterprises move faster, decide smarter, and grow.

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Solution practices

SAP

Implement · support · upgrade

Data

Dashboards & KPI design

Inside the Vruddhi Tech console

LIVE

Active Loans

12,480

▲ 8.2%

Recon Accuracy

99.7%

▲ 0.3%

Avg Turnaround

4.2 hrs

▼ 12%

Portfolio growth

87%

Straight-through automation

Live activity

Loan approved · Bank A → NBFC W
3-way recon completed · 214 records
SAP sync finished · 0 exceptions
KPI dashboard refreshed

Software built for banks & NBFCs Always-on automation

We work with Banks & NBFCs HFCs & lenders Enterprises on SAP Data-driven teams

Our products

One partner, six business-critical solutions

Pick a single product, go bespoke, or combine them into an end-to-end programme. Open any product for full detail.

Flagship platform

Co-Lending Solution

Unified co-lending OS with the 3-way split, LOS + LMS and automated reconciliation.

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Lending tech

LOS

Loan Origination System — configurable, digital intake to sanction.

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Lending tech

LMS

Loan Management System — servicing, collections and recon.

Explore

Enterprise services

SAP Solutions

Implementation, support and upgrades — from rollout to S/4HANA migration.

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Insight

Data Analytics

Dashboarding, KPI design and reporting that turn raw data into decisions.

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Bespoke

Custom Builds

A challenge that doesn't fit a box? We design and build to your exact need.

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Business solutions under one roof

Co-lending

Flagship platform, LOS + LMS

SAP

Implement, support & upgrade

Data

Dashboarding & KPI design

Let's build your next solution together

Co-lending, LOS, LMS, SAP or analytics — tell us the challenge and we'll shape the approach.

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Talk to the Vruddhi Tech team

Book a walkthrough, or tell us about your book — we reply within a business day.

Email us

contact@vruddhitech.com

Reach out about a walkthrough, partnership, or your co-lending book — our team replies within a business day.

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Flagship product

Co-Lending Solution

A unified co-lending operating system that interconnects banks and NBFCs — one platform to originate, approve, disburse, service and settle co-lent loans, with the 3-way split automated end to end.

Live co-lending network

ROUTING

Banks · senior partners NBFCs · junior partners

Flagship · Co-Lending Platform

A unified co-lending operating system

Our flagship product — one intelligent, automated ecosystem for banks and NBFCs to originate, approve, disburse and service co-lent loans.

Rapid partner onboarding

New bank or NBFC live — no custom dev cycles.

Universal connectivity

Standardised APIs across every partner.

AI multi-offer

Best partner & product for every customer.

Integrated LOS & LMS

Origination to closure in one flow.

AI policy assistant

Live eligibility & policy help in-workflow.

Recon & BI engine

Auto reconciliation, split engine, partner MIS.

The co-lending difference

The 3-way split, automated end to end

One customer obligation, shared between a senior and a junior partner — tracked and settled at every event.

Any panel ratio, set once

Auto 3-way schedules

T+1 partner settlement

CustomerSingle repayment obligation

BankSenior partner

NBFCJunior partner

Vruddhi Tech splits & settles every sanction, disbursement, EMI and payout.

Intelligence layer

AI woven through the lifecycle

Intelligence at the decision points that matter most.

Schema mapper

Partner-ready APIs, minimal manual mapping.

Multi-offer engine

Best partner & product, ranked per borrower.

Credit assist

In-app help for eligibility & scoring.

Auto reconciliation

Matches ledgers, flags only exceptions.

Co-Lending · role-based by design

Every co-lending role, one platform

On the co-lending platform, access is role-gated — each party sees exactly their own book.

Senior partner · Bank

The lending bank

Review, run BRE, sanction & approve — with an own-book settlement view.

ReviewSanctionOwn-book

Junior partner · NBFC

The originating NBFC

Originate, generate offers, disburse & collect — then auto-settle the bank's share.

OriginateMulti-offerCollect & payout

Platform · Operations

Admin & operations

No-code masters & workflows, whole-book monitoring, audit-ready reports.

ConfigWorkflowsReports

See the Co-Lending Solution in action

Walk through origination, disbursement, servicing and the automated 3-way split on your own products and partners.

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Lending technology

Loan Origination System (LOS)

A configurable, digital origination engine — intake, credit assessment, multi-partner sanctioning and disbursement triggers in one workflow.

Capabilities

Origination, built for co-lending speed

From first application to joint sanction, without manual hand-offs between partners.

Digital intake & bulk upload

Capture applications individually or in bulk, fully digital.

Multi-engine credit check

Bureau & policy checks run across every partner bank.

AI multi-offer

Best-fit partner and product, ranked automatically per borrower.

Maker–checker sanction

Joint sanction workflow with a digital sanction letter.

e-KYC & document vault

Paperless verification with a secure, audit-ready document store.

Configurable approval workflows

No-code rules engine — tune limits, routes & escalations per partner.

O2C — origination stage

The LOS workflow, step by step

Junior partner originates, senior partner approves — every step tracked and auditable.

Partner Onboarding

Agreements, config & access.

Intake & Assessment

Capture, verify, bureau checks.

Application Review

Independent credit & risk review.

Sanction — Junior

Joint sanction issued.

Sanction — Senior

Formal terms, joint approval.

Disbursement Trigger

Instruction with funding split.

Disbursement Approval

Partner validates fund share.

See LOS in action

Walk through intake, credit checks, multi-offer and sanction on your own products and partners.

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Lending technology

Loan Management System (LMS)

A complete servicing engine — portfolio monitoring, disbursement management, collections, accounting and reconciliation, all 3-way split aware.

Modules

Everything a co-lent book needs after sanction

Stand-alone or as one suite — disbursement to reconciliation.

LMS

Loan Management

Real-time portfolio & 3-way split
360° loan account view
3-way RPS & statement of account
e-NACH mandates & CERSAI records

LMS

Collections & Accounting

DPD-bucketed recovery queue
Part-payment, foreclosure & refunds
Enterprise ledger, partner-wise
Automated 3-way payout (T+1)

RECON

Recon & Reporting

Cycle-wise 3-way recon
NPA, settlement & cashflow match
Co-lender settlement statements
RBI co-lending & PSL reports

LMS

Customer Servicing

Statement & notice generation
SMS, email & WhatsApp alerts
Grievance & query tracking
Self-service borrower portal

O2C — servicing stage

The LMS workflow, step by step

From disbursement through to audit-ready reconciliation and reporting.

Portfolio Monitoring

KPIs, DPD buckets, 3-way split.

Loan Servicing

360° case detail & 3-way RPS.

Disbursement Mgmt

Tranches & UTR capture.

Collections & Accounting

EMIs, ledger, 3-way recon.

Recon & Reporting

Auto recon, audit-ready MIS.

See LMS in action

Walk through servicing, collections and reconciliation on your own products and partners.

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Enterprise services

SAP Solutions

Implementation, support and upgrades — a single partner across the full SAP lifecycle, from greenfield rollout to S/4HANA migration.

Enterprise services · SAP

SAP, delivered end to end

Implementation, support and upgrades — a single partner across the SAP lifecycle.

Implementation

Greenfield rollouts & module deployment.

Support & AMS

Managed services & day-to-day ops.

S/4HANA upgrades

Migration & version modernisation.

Integration

Connect SAP with your wider stack.

Rollout & training

Change management & user enablement.

Advisory & audit

Landscape reviews & optimisation.

Talk to us about your SAP landscape

Implementation, AMS, upgrades or an advisory review — tell us where you are today.

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Insight

Data Analytics

Dashboarding, KPI design and the data foundations that turn raw numbers into decisions — built for a truly data-driven organization.

Insight · Data & Analytics

From raw data to decisions

Dashboards, KPI frameworks and the foundations of a truly data-driven organization.

DashboardingLive, self-serve views for every team.

KPI designMetrics that map to real outcomes.

Data engineeringReliable pipelines & a single source of truth.

Data-driven cultureGovernance & enablement to decide on evidence.

Turn your data into a decision engine

Tell us about your reporting today and the KPIs that matter to your business.

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