The AI-Native Lending OS for India's NBFCs

The complete tech stack
that powers modern lending.

Nutmeg Tech unifies Loan Origination (LOS), Loan Management (LMS), payments, and 50+ fintech integrations into one platform — so NBFCs and fintechs can launch products faster, underwrite smarter, and scale without limits.

Book a Demo → Explore Platform
Built for forward-thinking lenders
NBFCs • Fintechs • Digital Lenders • Co-lending Partners • HFCs
Nutmeg Tech Lending OS - Unified platform connecting LOS, LMS, KYC, Payments, Credit Bureau, e-Sign, and Risk Engine
50+
Fintech Integrations
10x
Faster Loan Disbursal
99.9%
Platform Uptime SLA
RBI
Compliant Architecture
The Lending Stack, Reimagined

From fragmented systems
to one unified platform.

Most NBFCs juggle a dozen disconnected tools — KYC vendor here, bureau there, custom LOS, manual collections. Nutmeg Tech replaces that chaos with one configurable platform.

⚠

Without Nutmeg Tech

Legacy lending stacks slow you down at every step of the loan lifecycle.

  • 6-8 weeks to launch a new loan product
  • Multiple vendors for KYC, bureau, e-sign, e-NACH
  • Manual underwriting & spreadsheet-driven collections
  • No real-time view of portfolio health
  • Compliance gaps with each RBI circular update
✦

With Nutmeg Tech

One configurable platform that grows with your business — from first loan to ₹1,000 Cr AUM.

  • Launch a new loan product in under 2 weeks
  • Pre-integrated with India's top fintech APIs
  • Rules-based underwriting + automated collections
  • Real-time dashboards for portfolio, risk & ops
  • Built-in RBI compliance, DPDP & audit trails
Channels
Borrower Web App
Mobile App
Partner Portal
Branch / DSA
↓
Nutmeg Lending OS
LOS
LMS
Collections
Risk Engine
Co-Lending
↓
Integrated Services
KYC / Video KYC
Credit Bureaus
Payments / UPI
e-Sign / e-NACH
Account Aggregator
Core Products

Everything you need to lend at scale.

Modular, API-first, and built for the way modern NBFCs and fintech lenders operate.

LOS

Loan Origination System

From lead capture to disbursal — a configurable journey for every loan product. Personal, business, gold, education, MSME, vehicle, or BNPL.

No-code journey builder
Multi-bureau pull (CIBIL, Experian, CRIF, Equifax)
Video KYC & Aadhaar OKYC
Bank statement analysis (Perfios / Karza)
GST & ITR analysis for MSME loans
Rule-based & ML underwriting
e-Sign, e-Stamp & e-NACH workflows
Auto-disbursal via UPI / IMPS / NEFT
LMS

Loan Management System

The system of record for the entire loan lifecycle. Built to handle every product structure, interest method, and accounting standard your NBFC needs.

Flat, reducing, EMI, bullet & moratorium
Daily / monthly interest accrual
Auto-mapping of repayments & part-prepayments
Restructuring, foreclosure & top-ups
NPA classification & provisioning (Ind-AS 109)
GL posting to Tally / Zoho / SAP
RBI reporting (CRILC, FIDO, NBS)
Borrower self-service portal

Collections Suite

Tele-calling, field collections, soft & hard bucket workflows with geo-tagged visit proofs and PTP tracking.

Tele-CallField AppLegal

Risk & Decision Engine

Build, A/B test and deploy underwriting policies without code. Use bureau, bank, GST & alternate data signals.

BREML ModelsChampion-Challenger

Co-Lending Module

RBI-compliant CLM 80:20 framework with automated reconciliation, settlement & FLDG accounting between partners.

80:20FLDGSettlement

Analytics & BI

Real-time portfolio dashboards, vintage curves, roll-rate analytics, and partner-level P&L — all out of the box.

PortfolioVintageRisk

Compliance Vault

DPDP-ready data handling, audit trails, RBI digital lending guideline checks, KFS generation & immutable logs.

DPDPRBI DLAudit

Developer APIs

REST & webhook APIs for every event in the loan lifecycle. Embed lending into your app, channel partner, or marketplace.

RESTWebhooksSandbox
Pre-built Integrations

Connected to every API India's lenders need.

Stop signing 12 vendor contracts and writing custom integrations. Nutmeg comes pre-wired to India's leading fintech infrastructure.

🆔

KYC & Identity

Karza, Signzy, IDfy, Hyperverge, Digio

📊

Credit Bureaus

CIBIL, Experian, CRIF Highmark, Equifax

🏦

Account Aggregator

Finvu, OneMoney, Setu, NESL, Cookiejar

💳

Payments & UPI

Razorpay, Cashfree, Decentro, M2P, NPCI

✍️

e-Sign & e-Stamp

NSDL, Leegality, Digio, SignDesk, eMudhra

🔁

e-NACH / e-Mandate

BBPS, Razorpay, Digio, Techprocess

📈

Bank Statement Analysis

Perfios, Karza, FinBox, ScoreMe

🧾

GST & ITR

ClearTax, KDK, Karza, Cygnet

Why Nutmeg Tech

Built by lenders, for lenders.

We've spent years inside NBFCs and fintech lenders. Every feature you see solves a real problem we've personally struggled with.

01

Product-first, not service-first

Configurable SaaS, not a custom build. You get continuous product updates — not a frozen v1 that decays over time.

02

India-native compliance

RBI Digital Lending Guidelines, KFS, DLG/FLDG, DPDP — we ship features the day circulars drop.

03

Modular — adopt what you need

Already have an LMS? Take just our LOS. Want only the BRE? Plug it in. No big-bang migrations.

04

Cloud-native & secure

ISO 27001-aligned controls, encryption at rest & in transit, role-based access, full audit trail, India data residency.

05

Co-lending & DLG ready

Run multi-partner co-lending books with automated splits, settlements, FLDG accounting, and partner-level reporting.

06

Faster time-to-market

Go live in 6-8 weeks, not 6-8 months. Launch new loan products in 2 weeks with our no-code journey builder.

"
Lending shouldn't be hard tech. With Nutmeg, our team focuses on underwriting and customer experience — the platform takes care of the plumbing, the integrations, and the compliance.
For Founders, CTOs & Heads of Credit Built for India's next 1,000 NBFCs and digital lenders

Ready to build a lending business
without the tech headache?

Book a 30-minute walkthrough. See LOS, LMS and the full integration stack live — built for your loan products.

Book a Demo → Talk to Sales