Commercial vehicle FLAGSHIP
Dealer-side onboarding, chassis-verified valuation and the RC in the file — two-wheeler to heavy CV books.
2W TO HCV · NEW & USED · DEALER FLOWS
GRAVITONby Kugelblitz
LENDING INFRASTRUCTURE · INDIA
The lending platform India's fastest-growing lenders run on.
Graviton runs the complete credit lifecycle — origination to accounting, seven products on one data model. In production at 48+ banks and NBFCs.
Live in 2–4 months with an SLA
RBI-aligned controls from day one
Data resident in India
KUGELBLITZ AT A GLANCEFY26
0+
banks & NBFCs in production
0.0M+
loans disbursed & serviced
0%
faster disbursals in production
0.0%
application uptime
CVL · LAP · PERSONAL · GOLD · WAREHOUSE · BUSINESS
RBI-ALIGNED · DATA IN INDIA · ★ 4.9 ON G2
01 — THE SUITE
The Graviton suite
Seven products. One data model. Start anywhere.
01
Graviton LOS
Field-first origination for secured lending — e-KYC, valuation & FI, CAM auto-generation, deviation control. 60% FASTER DISBURSALS
→
02
Graviton LMS
Servicing that posts itself — schedules, charges, restructuring, NPA per RBI, closure to write-off. 4.2M ACCOUNTS
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03
Gravicollect
Field collections with dynamic QR, digital receipting and same-night reconciliation across channels. 45% BOOST
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04
Graviton BRE
Credit policy as no-code rules — scorecards, risk pricing, deviation routing, every version auditable. POLICY IN AN AFTERNOON
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05
Graviton Accounting
Sub-ledger accounting posted from lending events — cash or accrual, GST & TDS, auto provisioning. BOOKS CLOSE DAILY
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06
Graviton AI
Guided journeys, document auto-fill, real-time decisions and drop-off nudges — in every workflow. DECIDES IN SECONDS
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07
Gravisights
Self-serve BI over the whole book — cohorts, vintages, branch league tables, every number drilling to the file. SELF-SERVE BI
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02 — THE PLATFORM
One console. Every desk.
Leadership, credit, collections and policy work the same live data — switch desks to see it.
console.graviton.in — demo book
Portfolio overview
● LIVE · UPDATED 2 MIN AGO
Assets under management
₹412.4 Cr
▲ 4.2% MoM
Collection efficiency
96.4%
▲ 0.8 pts
Gross NPA
1.82%
▼ 0.3 pts
Files awaiting action
37
TAT enforced · 0 breaches
Disbursement vs collections₹ CR / MONTH
Today's queue
GRV-2481 · disbursalTAT 4H
GRV-2493 · sanctionMAKER ✓
₹6,200 · QR receiptRECONCILED
DPD batch · 04:00COMPLETE
Application pipeline — CVL & LAP
TODAY · 51 ACTIVE FILES
Lead & KYC24
GRV-2519 · CVL
e-KYC ✓ · guarantor pending
e-KYC ✓ · guarantor pending
FI & Valuation11
GRV-2507 · LAP
valuation geo-tagged ✓
valuation geo-tagged ✓
Underwriting8
GRV-2496 · CVL
CAM generated · BRE ✓
CAM generated · BRE ✓
Sanction5
GRV-2489 · LAP
deviation → L2 approval
deviation → L2 approval
Disbursal3
GRV-2481 · CVL
e-sign ✓ · payout queued
e-sign ✓ · payout queued
TAT breaches this week: 0 · auto-pendency active on 51 files · auto-allocation by branch & load
MAKER-CHECKER ON
Collections — today's route & book health
● 96.4% EFFICIENCY MTD
Field route — 14 visits assigned
R. Sharma · EMI 04/24₹6,200 ✓ UPI QR
M. Devi · EMI 11/36₹3,450 ✓ CASH · E-RECEIPT
S. Ali · EMI 02/12 DPD 12PTP · 22 JUL
Portfolio at risk — buckets
CUR92.1%
1–30
5.2%
31–60
1.9%
60+
0.8%
eNACH + UPI + QR + cash reconcile the same night · DPD recomputed in the 04:00 batch
AUTO-RECONCILED
Decisioning — rule set LAP-Prime-v4
VERSION 4 · APPROVED · AUDIT TRAIL ON
IF CIBIL ≥ 700 and FOIR ≤ 45% and LTV ≤ 65%
THEN auto-sanction · price band A · skip L1 review
ELSE IF FOIR ≤ 55% → deviation to L2 with justification
ELSE decline with reason code · counter-offer if LTV fixable
Decision log — live
GRV-2496 · CVLAUTO-SANCTION · 1.8S
GRV-2489 · LAPDEVIATION → L2
GRV-2502 · PLAUTO-SANCTION · 1.2S
GRV-2511 · CVLDECLINE · R-04
Edited by Head of Credit · 2 days ago · every version diffed, approved and replayable for audit
NO-CODE · BRE
EVERY MODULE · SAME DATA
Drill from any number to the file behind it
● ROLE-BASED
CXO · credit · ops · branch — each sees their cut
03 — THE LIFECYCLE
One file, no hand-offs.
Login to closure on one system — every hand-off automatic, every action maker-checked, TAT-enforced and audit-trailed. The stages your credit, ops and collections teams already run — minus the re-keying.
FILE GRV-2481 · CV · ₹1,20,000 · LIVEGRV-2481 · ₹1,20,000 · COMPLETE ✓
01FIELD OFFICER · DSA
Sourcing & KYC
Login file with e-KYC from source, co-applicant & guarantor onboarding, dedupe against the book.
✓ KYC 41 SEC02CREDIT MANAGER
Underwriting & CAM
Bureau, banking and valuation land in an auto-written CAM; deviations route by matrix to the right authority.
CAM V3 · AUTO03OPS · MAKER-CHECKER
Sanction & Disbursal
Sanction letter, e-sign and e-mandate to payout on TAT; the loan account opens with journals posted.
UTR 417…98204COLLECTIONS TEAM
Collections & Recon
eNACH, UPI, QR and cash receipted in the field; same-night reconciliation, DPD recomputed daily.
✓ QR RECONCILED05FINANCE · COMPLIANCE
Reporting & Audit
200+ formats incl. RBI returns, live dashboards, and a named, timestamped trail on every action.
200+ FORMATS · LIVE
60% FASTER DISBURSALS45% COLLECTIONS BOOST0 RE-KEYED FIELDSSAME-NIGHT BOOKS
04 — LOAN PRODUCTS
Configured for the products on your shelf.
Flagship-deep on CVL and LAP — each product with its own workflow, charges and rules.Loans against property FLAGSHIP
Title checks, legal and valuation in the workflow, committee-grade deviation control on every sanction.
TITLE + LEGAL + VALUATION · COMMITTEE ROUTING
Gold loans
Purity and tare capture, branch teller integration and same-day renewal or release workflows.
PURITY & TARE · RENEWAL / RELEASE
Warehouse receipt
Commodity and warehouse linkage, receipt-backed limits, release against repayment.
WR-LINKED LIMITS · COMMODITY RELEASE
Personal loans
Straight-through and unsecured — e-KYC, in-session decisioning and same-day payout.
STP · IN-SESSION DECISION · SAME-DAY PAYOUT
Business & MSME
Bank statement analysis, GST data and working-capital structures with multi-tranche disbursal.
BSA · GST DATA · MULTI-TRANCHE
Every product ships with its own workflow, charge matrix, penal rules and report pack — configured, not customized.
See a product run on Graviton LOS →
05 — PROOF
Trusted to run the book.
★★★★★ 4.9 average on G2 · 100% implementation successWe are embedding advanced technology across all functions — from sales to collections — with a core emphasis on credit underwriting.
Rahul MaheshwariManaging Director, Universal Fingrowth
FULL SUITE · LIVE FEB 2024
SALES → COLLECTIONS IN 10 WEEKS
“With Graviton we’ve accelerated our digital transformation — lending that is faster, smarter and more accessible, on a scalable foundation for growth.”
“Faster processing, smarter decisions and a seamless customer experience — Graviton is how we make finance accessible, efficient and transparent.”
SK FINANCE
AKME FINTRADE
UNIVERSAL FINGROWTH
BAID FINSERV
MS FINCAP
KHUSH HOUSING FINANCE
GSC BANK
+ 40 more across India
48+ LENDERS LIVE · 10+ VENDOR MIGRATIONS · 90%+ MIGRATION SUCCESS
Talk to a reference customer →
06 — TRUST & COMPLIANCE
Built for regulated books.
The controls your auditor asks about are defaults, not configuration.RBI-aligned controls
Maker-checker, KFS, NPA norms built in
Data resident in India
Encrypted in transit and at rest
Audit trail on everything
Every action named and timestamped
50+ audited integrations
Bureaus, KYC, payments, eNACH, BBPS
Security whitepaper, DPA and audit documentation available under NDA
Visit the Trust Center →
See your book on Graviton.
Thirty minutes with a product specialist, on data shaped like your book — CVL, LAP, personal, gold, warehouse or business lending.
✓Response within one working day
✓Sample report pack + written implementation plan after the session
✓SLA-backed rollout — live in 2–4 months, 100% implementation success
Book a demo
Thirty minutes with a product specialist, on data shaped like your book. We respond within one working day.
Request a demoOr email neeraj@kugelblitz.xyz