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Retail Lending
Scolend is an integrated platform for lending. It offers advanced credit decisioning capabilities, including credit scoring, risk assessment, and loan origination


with Scolend


Retail Lending is at its all-time high and will only increase with the increase in people’s standard of living. The Indian banking system has many ageing retail lending solutions, an anachronism from when technology was just being adopted. It is unlikely to be able to cater to the market's demands and potentially slow down the scaling capabilities of the bank. With technology changing ever so often, organisations must move to newer technologies to ensure security, scalability and time relevance.

Scolend is a state-of-the-art application for lending and co-lending business. It helps originators and co-lenders manage the lifecycle of the loans in compliance with regulatory requirements. Designed and developed by a team of core bankers, this application immensely helps banks and financial institutions eager to adopt technology to grow their loan books. 

Following are some of the key functionalities available in Scolend:


  1. Scolend is a powerful scheme configurator enabling lenders to introduce loan products quickly. It supplements the lender’s go-to-market strategies. 

  2. Scolend supports multiple Interest Schemes, like fixed rate, floating rate, tranche-based fixed rate, and hybrid rate of interest to the borrower.

  3. Scolend supports term loans (both for fixed EMI – variable tenure & fixed tenure – variable EMI), revolving limit loans with tranche disbursements, and supply chain loans (dealer and supplier finance with relevant exposure limits). 

  4. Scolend assists with setting up the Loan document scheme for each product, as defined by borrower type & geography. Our Document Manager module is developed to collect documents stage-wise and ensure strict compliance smartly.

  5. Scolend enables lenders to create smooth workflows with its Lending Process Designer Engine (LPDE).

  6. Scolend’s Domain Rule Engine (DRE) facilitates the implementation of credit models.

  7. Scolend interfaces with CIBIL, NeSL, NSDL (for PAN Validation) and NACH management (Subject to approval from respective service providers).

  8. Scolend helps the credit approvers by offering a 360° view of the loan application and related information in one place.  Thus, enabling quick decision-making. 

  9. Scolend supports GL set-up for managing the originator and the co-lender relationship. The embedded powerful distribution engine seamlessly allocates principal & interest, income & expenses as defined in the respective schemes.

  10. Scolend also provides data for smart NPA management by the lender.

  11. Scolend enables compatibility with the GL systems.


If you are a new Bank or NBFC, try our lending suite and gain a distinct competitive advantage. You can scale as fast as you wish, and we can handle it. Get your beginning right, and the rest of the run will be historic.


For existing Banks and NBFCs, try Scolend, and you will surely start planning the sunsetting of your current solutions. Our solution is extremely capable of leading you through your next growth spurt. 

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