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360° Borrower Visibility    |    400+ Prebuilt Integrations    |    Mobile-first Field Operations    |    Faster Loan Cycle    |    Lower Field Servicing Cost    |    AI-based Informal Income Scoring    |    SHG/JLG Ready Workflows    |    360° Borrower Visibility    |    400+ Prebuilt Integrations    |    Mobile-first Field Operations    |    Faster Loan Cycle    |    Lower Field Servicing Cost    |    AI-based Informal Income Scoring    |    SHG/JLG Ready Workflows    |    360° Borrower Visibility    |    400+ Prebuilt Integrations    |    Mobile-first Field Operations    |    Faster Loan Cycle    |    Lower Field Servicing Cost    |    AI-based Informal Income Scoring    |    SHG/JLG Ready Workflows    |    360° Borrower Visibility    |    400+ Prebuilt Integrations    |    Mobile-first Field Operations    |    Faster Loan Cycle    |    Lower Field Servicing Cost    |    AI-based Informal Income Scoring    |    SHG/JLG Ready Workflows    |    360° Borrower Visibility    |    400+ Prebuilt Integrations    |    Mobile-first Field Operations    |    Faster Loan Cycle    |    Lower Field Servicing Cost    |    AI-based Informal Income Scoring    |    SHG/JLG Ready Workflows    |    360° Borrower Visibility    |    400+ Prebuilt Integrations    |    Mobile-first Field Operations    |    Faster Loan Cycle    |    Lower Field Servicing Cost    |    AI-based Informal Income Scoring    |    SHG/JLG Ready Workflows    |   

“Newgen’s intelligent microfinance lending solution helped us digitize our SHG and JLG lending, reduce our reliance on manual processes, and scale outreach across rural regions. With AI-led income estimation and mobile collections, we’ve significantly improved efficiency, transparency, and borrower engagement.”

Head of MFI Business, A Leading Indian NBFC

Benefits of Newgen’s MFI Solutions for NBFCs

  • Digitize group and individual lending with multilingual, mobile-first onboarding and servicing tools
  • Assess informal income with AI-powered scoring models tailored for underserved borrower profiles
  • Enable last-mile connectivity with geo-tagged mobile apps, offline syncing, and field agent workflows
  • Improve compliance with automated audit trails, regulatory reporting, and real-time visibility
  • Reduce operational costs by automating servicing, collections, and group monitoring tasks
  • Launch and adapt lending products quickly using low-code process modeling and prebuilt integrations

How Newgen Helps MFIs with Loan Origination, Automation and Recovery

Commercial-Lending (1)

End-to-end Digital Lending Journey

Automate the full lifecycle for individual, SHG, and JLG loans from onboarding to recovery. Use offline-capable mobile apps, multilingual forms, and integrated eKYC for seamless rural lending.

AI-powered Credit and Informal Income Assessment

Leverage AI models to evaluate income for borrowers without formal documentation. Use occupation-based income estimation, transaction history, and behavioral risk scoring to drive responsible credit decisions.

Configurable Loan Servicing and Disbursement Management

Support drawdowns, partial disbursals, top-ups, and flexible repayment schedules. Automate interest calculations, provisioning, and regulatory compliance with integrated core systems.

Intelligent Collections and Recovery Operations

Use mobile apps for on-ground collections with geo-tagging, payment links, and visit tracking. Automate skip tracing, risk-based targeting, and legal workflows across SHG and JLG structures.

Commercial-Lending (1)

End-to-end Digital Lending Journey

Automate the full lifecycle for individual, SHG, and JLG loans from onboarding to recovery. Use offline-capable mobile apps, multilingual forms, and integrated eKYC for seamless rural lending.

AI-powered Credit and Informal Income Assessment

Leverage AI models to evaluate income for borrowers without formal documentation. Use occupation-based income estimation, transaction history, and behavioral risk scoring to drive responsible credit decisions.

Configurable Loan Servicing and Disbursement Management

Support drawdowns, partial disbursals, top-ups, and flexible repayment schedules. Automate interest calculations, provisioning, and regulatory compliance with integrated core systems.

Intelligent Collections and Recovery Operations

Use mobile apps for on-ground collections with geo-tagging, payment links, and visit tracking. Automate skip tracing, risk-based targeting, and legal workflows across SHG and JLG structures.

Newgen’s Comprehensive Solution Suite for MFIs

Self-Help Group (SHGs) Lending

Digitize and accelerate SHG lending with Newgen’s AI-powered microfinance platform. Manage group registration, member onboarding, and savings linkage through dedicated portals. Automate eligibility checks, pooled credit assessments, and rule-based sanction workflows. Enable faster disbursals and transparent repayment tracking for underserved, community-based borrowers while improving compliance, accountability, and financial inclusion at scale.

Commercial-Lending (1)

Individual Lending

Accelerate small-ticket individual loans with Newgen’s low-code lending platform for MFIs. Onboard borrowers via mobile or assisted channels with multilingual eKYC, Aadhaar, PAN, and credit bureau integration. Leverage AI to assess informal income, apply rule-based eligibility, and generate instant offers. Deliver faster decisions and inclusive credit access to underbanked and self-employed rural borrowers.

Small business lending

Joint Liability Group (JLG) Lending

Streamline JLG lending operations with Newgen’s AI-first microfinance solution. Automate group formation, member profiling, and joint liability structuring. Track shared repayment behavior, risk exposure, and member-level participation with precision. Enable credit assessment using AI-driven models and enforce accountability with alerts and dashboards, ensuring faster disbursals and improved recovery across informal borrower groups.

Self-Help Group (SHGs) Lending

Digitize and accelerate SHG lending with Newgen’s AI-powered microfinance platform. Manage group registration, member onboarding, and savings linkage through dedicated portals. Automate eligibility checks, pooled credit assessments, and rule-based sanction workflows. Enable faster disbursals and transparent repayment tracking for underserved, community-based borrowers while improving compliance, accountability, and financial inclusion at scale.

Commercial-Lending (1)

Individual Lending

Accelerate small-ticket individual loans with Newgen’s low-code lending platform for MFIs. Onboard borrowers via mobile or assisted channels with multilingual eKYC, Aadhaar, PAN, and credit bureau integration. Leverage AI to assess informal income, apply rule-based eligibility, and generate instant offers. Deliver faster decisions and inclusive credit access to underbanked and self-employed rural borrowers.

Small business lending

Joint Liability Group (JLG) Lending

Streamline JLG lending operations with Newgen’s AI-first microfinance solution. Automate group formation, member profiling, and joint liability structuring. Track shared repayment behavior, risk exposure, and member-level participation with precision. Enable credit assessment using AI-driven models and enforce accountability with alerts and dashboards, ensuring faster disbursals and improved recovery across informal borrower groups.

NBFCs Served by Newgen’s Lending Solutions

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.

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.

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.

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.
lending

MSME Finance

Digitize and automate the entire lending lifecycle with Newgen’s AI-first low-code platform, accelerating loan origination, simplifying servicing, and driving smarter collections. Empower faster decisions, seamless customer journeys, and scalable growth.

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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