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Introducing nPOS: The Comprehensive Platform for Partnership Lending/ Co-lending

nPOS is a platform that connects Banks and other Financial Institutions with Originators, providing a comprehensive solution for loan origination, underwriting, disbursement, and collection reconciliation processes involved in Co-lending/ partnership lending. It is a versatile platform that caters to multiple sectors such as Microfinance, Small business loans, Mortgage loans, Vehicle loans, Consumer durable loans, and Personal loans and can accommodate all types of retail loans.


We have developed a comprehensive cloud-based API-enabled market infrastructure platform, nPOS, to streamline the loan process for partnership lending/ co-lending by connecting banks and other financial institutions through a series of APIs, enabling swift data exchange and straight through processing of loans without manual interventions, completing the entire process within a few seconds.

From microfinance to MSME loans, mortgage loans to consumer durable loans, the unique protocols of nPOS accommodate all types of our Direct to Customer loans across multiple sectors and assist banks and financial institutions in building their retail portfolio. In Fiscal 2023, the number of active partners and value of transactions on nPOS was 15 and ₹32,511.27 million, respectively, while in the six-month period ended September 30, 2023, was 16 and ₹24,676.00 million, respectively.

Certain key features of the platform include:

  • Implementation as a hosted and managed solution/platform as a service (PAAS) on our servers or as an enterprise solution on our customer’s servers;
  • support for multi-channel customer acquisition including digital loan journey through mobile application, co-origination and co-lending, direct assignment and business correspondents;
  • Integration with ‘India Stack’ ecosystem, credit bureaus and government databases;
  • Standard protocols for various asset classes and products, covering secured and unsecured loans;
  • Multi-factor authentication-based authorization for precise access control;
  • Underwriting supported by customizable business rule engines based on criteria such as bureau scores, debt equity ratio, age and location, across multiple asset classes, such as consumer finance, buy now pay later and two-wheeler finance, which enables rule based underwriting for customers sourced through Retail Lending Partners;
  • Security with encryption at all levels; and
  • machine learning-driven risk assessment.

  • In Fiscal 2023, nPOS received the ‘SOC 2 Type II’ attestation from the American Institute of Certified Public Accountants and ‘SOC 1 Type II’ audit for adherence to the International Auditing and Assurance Standards Board’s International Standard of Assurance Engagement 3402 standards.

    As a conclusion: “Our next-generation lending platform is exclusively tailored for the retail segment that revolutionizes the lending/borrowing experience by digitizing the entire loan lifecycle with integrations for the originator, investor, facilitator platforms, and the India Stack ecosystem for co-lending arrangements. With superfast processing, the ability to handle very large pools, personalized offerings, and an intuitive user interface it greatly simplifies the interactions between borrowers, originators, and lenders (banks and financial institutions)”.