Lending Solutions


Every financial institution needs to keep an eye on revenues and profits. Lending or providing loans is one of the main sources of revenue for banks. Sound decision making and rapidity are imperative in the lending business. In the current highly competitive business scenario banks need to streamline their operations and integrate various platforms to improve operational efficiency, risk management and increase profitability.

Nelito provides comprehensive lending solutions, which take care of all operations in the loan cycle – right from loan origination till its recovery. A centralized database system means that all loans and information pertaining to a borrower are at your fingertips allowing banks to easily evaluate credit capacity and mitigate risks.

Lending Solution – Process Flow

Nelito provides solutions that span the entire lending workflow from start to finish.

Lending Solutions Process Flow

Lead Management

End-to-end management of lead from initiation to customer on-boarding. This solution facilitates Omni Channel / Multi Agency Integration with built-in configurable workflows and real time status reporting.

Loan Origination (LOS)

Nelito's best-in-class Loan Origination Solution helps manage the complete credit lifecycle across loan types ensuring cost efficiencies and optimum control. Loan Origination solution (LOS) helps in faster processing of the loan origination cycle right from lead management to closing.

Loan Management (LMS)

Nelito provides a robust Loan Product Suite for Agriculture Loans, Retail Loans, MSME loans and Project Finance etc. which delivers end-to-end Loan Management functionality for all types of loans & advances. Nelito's Loan Management Solution (LMS) offers Configurable Product rule engine consisting of Limit Frame Work, Collateral Setup, Recovery Appropriation Policy, Interest & Changes Structure etc.


With Nelito's Collection module you receive periodic billing and collection through various delivery Channels including Bank Payment, Electronic Fund Transfer, Wallets etc. It also provides facility of NACH, ACH and ADM file import for collection and facilitates Post-dated Cheque management.

Loan Life Cycle Management System

Lending Solutions Loan Life Cycle Management System

The advantages of Nelito's lending solutions are:

  • Improves productivity even in large transaction volumes
  • Eradicates errors of duplication
  • Cost effective and optimizes staff efficiency
  • Complete transparency in operations
  • Flexibility to adjust for changes in regulator guidelines
  • High level of security
  • Improved borrower relationship with 24x7 access to loan information
  • FinCraft Core Microfinance Solution

    Door Step Services: Phone/Tablet based faster on-boarding – eKYC - Aadhaar authentication from UIDAI, Financial ...

  • Loan Management Solution

    FinCraftTM LMS supports multiple facets of Loan portfolio starting from prospecting to closure and monitoring.

  • Loan Origination Solution

    The process of issuing a loan involves a series of steps right from acquiring a borrower, to processing their information...

  • EMI Collection Solution

    Nelito's EMI Collections is a mobile based solution offering the staff or agents of the financial institution with a robust tool for tracking...

Solution Availability

Our solutions are available globally. Please visit our country pages for more information


  • "Nelito has Good knowledge of industry. Good customer orientation. They were Flexible and Open to new ideas and suggestions."

    Mr. Ratheesh K. Bharathan | Exec. Vice President & Co- Founder

    WheelsEMI PVT. LTD.
  • "For a Bank of our size, this system suffices and is very cost effective. Almost all of the bank’s activities run on the one system. Nelito constitutes a partner more than a supplier and the relationship includes provision of the bank’s underlying technology as well as its Fincraft range of applications."


    The Nainital Bank Ltd.
  • "The best mix of functionality and technological support and our vision of “Cash Less and Paper Less” work environment for Sonata has come true with our technological partner Nelito. I highly recommend FinCraft Core Microfinance platform and especially integrations with a number of third party services."

    IT Head

    Sonata Finance Pvt. Ltd.
  • "Nelito has successfully deployed the Online Reporting and Management Information System (ORMIS), which has streamlined the reporting process and their analysis. Its team is responsive, provided satisfactory support and has sound expertise to deliver time sensitive & critical projects. Exemplary team work."

    Deputy General Manager (IT Department)

    National Housing Bank
  • CBS

    "We are happy to use FinCraft Data Archival & Retrieval solution from Nelito Systems; it has given huge ROI in terms of saving revenue by retiring legacy applications. We get all desired reports in a timely manner from the solution."

    Assistant General Manager (CBS)

    United Bank of India
  • CBS

    "Nelito is known for its exemplary services to the users at all times. Your team provides excellent service and they are pro-active in providing solutions."

    Rachelle F. Rivas | Chief Manager (SWIFT)

    Indian Overseas Bank
  • CBS

    "On the whole a professional and capable and competent team. Providing solutions adapted to clientele updated on technology front."

    Principal secretary Department of Labour

    Govt. of Sikkim
  • Custom Application Development testimonial

    "Proactive & professionally supportive, technically skilled team."

    General Manager

    Federal Bank
  • CBS

    "Fincraft CBS software & Doorstep Banking Solution helps our society’s functionality towards digitalization & paperless working. It reduces our manpower requirement and workload, also gives us fast reporting for our institution as and when required."


    Mahavir credit coop society
  • CBS

    Exemplary relationship set by Nelito’s PCS team which helps project to grow vertically. We have always been very impressed with the quality of service we have received from Nelito. They are reliable efficient professional and above all truthful. This alone sets them out from much of their competition.

    Project Director

  • CBS

    "E-district Manipur project was undertaken and successfully implemented by Nelito in a record time. The online services offered under this project has made a marked difference in the quality of life of the citizens and is taking the state towards a digital Manipur."

    Sanjay Kamlakar | Additional Director (IT)

    Govt. of Manipur
  • DGM

    "On 20th of November 2016 our bank data was migrated to FinCraft and we have completed one year successfully in FinCraft. So we thank all the team members of both IFTAS and Nelito for your great co-operation in this success. We expect more & more co-operation in implementing new technologies in banking sector from your side in future."

    M V Kumar | CEO

    Kempegowda Bank
  • DGM

    "My bank is working with Nelito from the last about 9 Years and the services provided by the company may prolong our association."

    Sikander Gupta | CEO

    The Jammu Central Co-op Bank Ltd.
  • DGM

    "The Bank is associated with M/S Nelito since 2002. M/S Nelito Systems Ltd has been our CBS vendor since 2009. The Products, quality of service offered by them are excellent. They have a very good support team and are trained enough for handling any type of situation."

    D K Kandpal | Vice President (IT)

    Nainital Bank
  • DGM

    "We appreciate your local team who continuously supported & assisted our team to meet the goal."

    Nagendra Nath Sinha | Principal Secretary IT

    Government of Jharkhand, Ranchi
  • DGM

    "Knowledge and service provided to the bank is beyond expectation. And we would definitely engage and recommend solution to others."

    Rachelle F. Rivas | IT Project Manager (Senior Manager)

    Bank of the Philippine Islands (BPI)
  • DGM

    "As Vendor strict adherence to process & procedures. Risk Mitigates in Place. Flexible to customer requirements."

    Dinesh Negi | VP (Clg)

    DCB Bank Ltd
  • DGM

    "Bank has implemented CBS of Nelito Ltd in the year 2008-09 in phase manner. Also integrated RTGS/NEFT, CTS, MMS etc. which help us in smooth automation of banking operation."

    K.T. Wadia | CEO

    The Sutex Co-op Bank Ltd
  • DGM

    "Experience during development of Rating Engine Module has been good in the context of commitment to meet timelines & lot of hard work has been put by Nelito's team."

    Ashutosh Satsangi | VP-Operations

  • DGM

    "Everything was successfully implemented and tested. The implementation was professionally done in a very efficient and cooperative manner. Migration was very smooth."

    Frithjof Ramb | Vice President

    SBI- Frankfurt, Germany
  • DGM

    "Nelito and its team has always been supportive and efficient in achieving the tasks set up by the Dept. Apps developed by the software engineers for the Public Health Dept. have proved to be excellent among the top competitors and have been acclaimed for its effective service delivery to the end user at the grass root level which is the foremost object of any Govt. organization. Many thanks for the sincere efforts."

    Sanjay Kamlakar | Under Secretary to GoM

    Government of Maharashtra
  • DGM

    "We appreciate Nelito team who were always on time and responsive to our needs and changing ideas. They worked efficiently from the project inception to its completion in a timely and professional manner. Their understanding of this space has been invaluable to the success and launch of 'PMAY CLSS' app."

    Susanta K. Padhi | DGM

    National Housing Bank