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24% Higher Resolution Rate    |    30% Improved Legal Efficiency    |    25% Lower Collection Cost    |    70% Reduction in TAT    |    24% Higher Resolution Rate    |    30% Improved Legal Efficiency    |    25% Lower Collection Cost    |    70% Reduction in TAT    |    24% Higher Resolution Rate    |    30% Improved Legal Efficiency    |    25% Lower Collection Cost    |    70% Reduction in TAT    |    24% Higher Resolution Rate    |    30% Improved Legal Efficiency    |    25% Lower Collection Cost    |    70% Reduction in TAT    |    24% Higher Resolution Rate    |    30% Improved Legal Efficiency    |    25% Lower Collection Cost    |    70% Reduction in TAT    |    24% Higher Resolution Rate    |    30% Improved Legal Efficiency    |    25% Lower Collection Cost    |    70% Reduction in TAT    |   

“Newgen’s Intelligent MSME lending solutions helped us transform fragmented processes into a unified digital journey. With AI-led underwriting and flexible servicing, we’ve accelerated approvals, reduced defaults, and scaled operations without increasing risk.”

Head of MSME Business, A Leading Indian NBFC

Benefits of Newgen’s MSME Solutions for NBFCs

  • Accelerate MSME loan processing with AI-led underwriting and automation across origination, servicing, and recovery
  • Improve credit decisions using rule-based scorecards, alternate data models, and policy validations
  • Offer seamless borrower experiences with omnichannel portals and mobile servicing apps
  • Reduce defaults with real-time NPA tracking, predictive analytics, and AI-recommended repayment plans
  • Enable rapid scaling with low-code configurability and 400+ ready integrations for KYC, PAN, GST, and more
  • Strengthen compliance with full audit trails, provisioning, and accurate EMI and interest computations

How Newgen Helps MSMEs with Loan Origination, Automation and Recovery

End-to-End Digital Lending Journey

Digitize the entire MSME loan lifecycle from onboarding to recovery by leveraging NewgenONE AI Agents for NBFCs. Use dedicated portals for customers, agents, and staff, with STP, near-STP, and non-STP processing based on complexity.

AI-powered Credit and Risk Assessment

Automate underwriting with AI-assisted rule-based scorecards, cash-flow and surrogate models, and policy validations. Improve approval speed and reduce defaults through AI-led due diligence and smart risk segmentation.

Flexible Loan Servicing and Lifecycle Management

Support multiple disbursal modes, EMI rescheduling, early closures, and dynamic interest changes. Track NPAs, post provisions, and manage credit limits from a unified dashboard with audit readiness.

Intelligent Collections and Recovery Operations

Use predictive analytics to identify high-risk borrowers and automate outreach through mobile apps, dialers, and messaging channels. Manage skip tracing, litigation, OTS, and repossessions on a single platform by leveraging NewgenONE Loan Collections AI Agent.

End-to-End Digital Lending Journey

Digitize the entire MSME loan lifecycle from onboarding to recovery by leveraging NewgenONE AI Agents for NBFCs. Use dedicated portals for customers, agents, and staff, with STP, near-STP, and non-STP processing based on complexity.

AI-powered Credit and Risk Assessment

Automate underwriting with AI-assisted rule-based scorecards, cash-flow and surrogate models, and policy validations. Improve approval speed and reduce defaults through AI-led due diligence and smart risk segmentation.

Flexible Loan Servicing and Lifecycle Management

Support multiple disbursal modes, EMI rescheduling, early closures, and dynamic interest changes. Track NPAs, post provisions, and manage credit limits from a unified dashboard with audit readiness.

Intelligent Collections and Recovery Operations

Use predictive analytics to identify high-risk borrowers and automate outreach through mobile apps, dialers, and messaging channels. Manage skip tracing, litigation, OTS, and repossessions on a single platform by leveraging NewgenONE Loan Collections AI Agent.

Explore Newgen’s Comprehensive Solution Suite for MSMEs

Loan Origination (Pre-disbursal)

Accelerate MSME loan approvals with Newgen’s AI-first loan origination platform. Offer customers, agents, and staff dedicated portals with 400+ integrations for KYC, GST, and bureau checks. Automate STP, near-STP, and non-STP flows with rule-based underwriting and cash-flow or surrogate models, enabling faster credit decisions for underserved, thin-file MSME borrowers.

Loan Management (Post-disbursal)

Simplify loan servicing from disbursal to closure with Newgen’s intelligent loan management system. Support multiple disbursal modes, flexible EMI rescheduling, and accurate amortization. Gain real-time NPA visibility, automate provisioning, and track borrower limits. Ensure seamless early closures, compliant accounting, and superior borrower experiences, all from a unified, audit-ready lending platform.

Collection & Recovery

Maximize MSME recoveries using Newgen’s AI-first collections and recovery software. Automate outreach via dialers, SMS, and WhatsApp. Empower agents with mobile apps for on-the-go collections, AI-recommended repayment plans, and legal case tracking. Leverage predictive analytics for smart resource allocation, skip tracing, and risk segmentation, ensuring faster recoveries and reduced delinquency.

Loan Origination (Pre-disbursal)

Accelerate MSME loan approvals with Newgen’s AI-first loan origination platform. Offer customers, agents, and staff dedicated portals with 400+ integrations for KYC, GST, and bureau checks. Automate STP, near-STP, and non-STP flows with rule-based underwriting and cash-flow or surrogate models, enabling faster credit decisions for underserved, thin-file MSME borrowers.

Loan Management (Post-disbursal)

Simplify loan servicing from disbursal to closure with Newgen’s intelligent loan management system. Support multiple disbursal modes, flexible EMI rescheduling, and accurate amortization. Gain real-time NPA visibility, automate provisioning, and track borrower limits. Ensure seamless early closures, compliant accounting, and superior borrower experiences, all from a unified, audit-ready lending platform.

Collection & Recovery

Maximize MSME recoveries using Newgen’s AI-first collections and recovery software. Automate outreach via dialers, SMS, and WhatsApp. Empower agents with mobile apps for on-the-go collections, AI-recommended repayment plans, and legal case tracking. Leverage predictive analytics for smart resource allocation, skip tracing, and risk segmentation, ensuring faster recoveries and reduced delinquency.

Explore Newgen’s other NBFC Solutions

Asset Reconstructions Companies (ARCs)

Accelerate recoveries and maximize NPA portfolio returns with Newgen’s AI-first solutions for ARCs. From smarter acquisitions to faster collections, empower your teams with real-time insights, seamless due diligence, and intelligent automation across the asset reconstruction lifecycle.

Housing Finance Companies (HFCs)

Deliver a fully digital, home loan experience with Newgen’s low-code AI-first loan origination solution. Automate end-to-end processes, from application to disbursal, enhancing borrower convenience, reducing turnaround time, and boosting sanction rates without a single branch visit.

Retail Lending

Enable faster go-to-market, agile credit decisioning, and personalized customer journeys. With Newgen, scale unsecured loans, accelerate disbursals, reduce risk, and stay compliant with AI-driven workflows, all on a secure, scalable foundation.

Captive Finance

Enable end-to-end financing lifecycle management, from loan initiation to disbursement, servicing, collections, and recovery, with Newgen’s AI-first Low-code platform, purpose-built for NBFCs. Support direct customer lending, dealer financing, and supply chain finance with agility and control.

Microfinance Institutions (MFIs)

Streamline group lending, loan origination, disbursement, and collections. Ensure faster decisions, improved compliance, and last-mile connectivity, enabling financial inclusion through scalable, mobile-first, and AI-native microfinance operations.

Vehicle & Equipment Finance

Automate complex workflows, from application to disbursement, with risk profiling and document management, by leveraging an AI-native low-code platform. Offer quick, reliable financing for vehicle and equipment purchases.

Asset Reconstructions Companies (ARCs)

Accelerate recoveries and maximize NPA portfolio returns with Newgen’s AI-first solutions for ARCs. From smarter acquisitions to faster collections, empower your teams with real-time insights, seamless due diligence, and intelligent automation across the asset reconstruction lifecycle.

Housing Finance Companies (HFCs)

Deliver a fully digital, home loan experience with Newgen’s low-code AI-first loan origination solution. Automate end-to-end processes, from application to disbursal, enhancing borrower convenience, reducing turnaround time, and boosting sanction rates without a single branch visit.

Retail Lending

Enable faster go-to-market, agile credit decisioning, and personalized customer journeys. With Newgen, scale unsecured loans, accelerate disbursals, reduce risk, and stay compliant with AI-driven workflows, all on a secure, scalable foundation.

Captive Finance

Enable end-to-end financing lifecycle management, from loan initiation to disbursement, servicing, collections, and recovery, with Newgen’s AI-first Low-code platform, purpose-built for NBFCs. Support direct customer lending, dealer financing, and supply chain finance with agility and control.

Microfinance Institutions (MFIs)

Streamline group lending, loan origination, disbursement, and collections. Ensure faster decisions, improved compliance, and last-mile connectivity, enabling financial inclusion through scalable, mobile-first, and AI-native microfinance operations.

Vehicle & Equipment Finance

Automate complex workflows, from application to disbursement, with risk profiling and document management, by leveraging an AI-native low-code platform. Offer quick, reliable financing for vehicle and equipment purchases.

Find Your Winning Strategy with Newgen

Request a demo to explore how our AI-powered solutions can help NBFCs with end-to-end journey automation for digital transformation.

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