AI ready UNIFIED LENDING

PLATFORM

Catalyzing credit for Bharat, one good loan at a time

We power up

Banks, NBFCs, MFIs, BCs and LSPs across multiple use cases

• Co-lending partnerships
• Business Correspondent lending partnerships
• Digital lending partnerships
• Direct Assignment – Securitization
• Corporate – Wholesale lending
• New product innovation and rollout

We focus on

credit products that are productive, priority sector linked and impact-led

• Priority Sector lending
• MSME, Agri, Affordable Housing and Education loans
• SDG – ESG qualified lending
• Green, Sustainability - linked and financial inclusion loans
• Secured- Guarantee backed lending
• CGTMSE qualified, DFI guaranteed and collateral backed loans

Our platform caters to

the entire spectrum of tech-challenged to tech-led lenders

• Fintech infrastructure: A modular & compliant lending orchestration platform allowing REs and non-REs to scale their joint lending initiatives
• Originator & Supply of Finance networks: A network of lenders that are capable of both originating & servicing borrowers and financing & guaranteeing the loans
• Policy & Process Intelligence: Hyperlocal playbooks of best practices to launch new credit products or fine tune processes on an ongoing basis

Mannjal's product

solves for TRUST

between lending entities, systems & processes

Collaborative application management

• Program level workflow and task management to measure TATs & effectiveness
• Simple messaging interface for query resolution, tagged to applications and tasks
• Large file handling (200 MB+) with unified navigation across documents and data
• Data ingestion from feet on street mobile apps, multi format files or APIs
• Data validation via third party data providers and human / AI agents
• Data conversion into lender specific formats for decisioning & reporting

Simplified data processing

Transparent decision support system

• Auditable business rules engine acting as a co-pilot for credit and operations teams
• Real time deviation flags and workflow actions based on policy and process rules
• Configurable MIS and dashboards with scheduled reporting and escalation triggers
• Role based access at program, stage, section and data field levels
• Ring-fenced access for human and AI agent aligned with compliant workflows
• "Audit ready by default" with every action on the platform tracked and time stamped

Robust access management

Scalable architecture

• Decentralized network protocols that support multi-entity collaboration on the go
• Low code configuration driving flexibility and agility to adapt products and workflows quickly
• AI ready, LLM/SLM agnostic architecture that can plug into your chosen AI stack
• Network segregated deployments with dedicated private environments per client
• Data localisation compliant, with clear data residency controls
• Encryption at rest and in transit, with strict key management

Compliance & security

We positively impact

every stakeholder in our lending network

• Senior Lenders – Banks / NBFCs: Access diversified asset pools through an architecture that focusses on getting files first time right via a single portal / integration
• Originators – Junior Lenders – RE / non-RE: Scale up AUM with improved sanction and disbursal TATs and a larger basket of credit products, while exponentially improving RoE
• Development Financial Institutions: Real time visibility and ability to audit pools that have been guaranteed or financed based on program parameters

Our Team

We are a team of fintech veterans united by a vision to enable access to credit for millions of entrepreneurs across Bharat

Prashant Adurty

Cofounder | CEO

Aman Bhargava

Cofounder | CBO

Harshit Lingamneni

Cofounder | CTO

Our Major Investors

Connect with us

Whether you are an originator, lender or someone who is interested in our mission and want to know more,

Drop us a line on hello@mannjal.com