Secured or unsecured — CVL, LAP, gold, warehouse, personal or business — one origination system with two journey shapes: field-first for collateral, straight-through for speed. KYC from source, CAM auto-built, deviations routed, TAT enforced.
Same data model, same rules engine, same reports — but each journey is shaped for how the product actually gets sold and underwritten.
Collateral, guarantors and committees are first-class citizens: valuation and FI tasks run in the field app, the CAM assembles itself, deviations climb the right authority ladder.
No collateral, no committee — so nothing should wait for a human. The BRE decides in-session, the offer renders on screen, and money moves the same day.
Multi-bureau pulls with dedupe across your whole book — guarantor exposure included. Deviation matrices route every exception to the right authority; maker-checker and audit trails on each action; fraud, AML and PEP screening inside the flow.
ERROR RATE 14% → 0.2% AFTER AUTOMATIONSTP end-to-end for unsecured; TAT clocks and auto-pendency on every secured step. Files auto-allocate by product, branch and load — nothing waits in a drawer, and sanction-to-payout happens in hours, not days.
60% FASTER DISBURSALS · TAT WEEKS → HOURSSOPs, forms, approval ladders and credit policy are configuration, not code. The drag-and-drop BRE builder ships policy changes in an afternoon — versioned, approved and auditable — while custom form builder handles every product's paperwork.
POLICY CHANGES: AFTERNOON, NOT QUARTERStand up a new loan product in weeks: define it once, reuse the same KYC, BRE and disbursal rails. Onboard DSAs, LSPs and co-lending partners with capital allocation, revenue/cost splits and payables tracked in-platform. D2C, branch and field channels share one funnel.
NEW PRODUCT LIVE IN WEEKS · CO-LENDING NATIVELine by line — where Graviton LOS removes cost, time and risk from origination, measured at lenders in production.
What each person in your origination chain actually sees — from the doorstep to the dashboard.
The FOS app onboards applicant, co-applicant and guarantor in one visit: OTP-verified mobile, e-KYC pulled from source, income docs photographed and OCR-read, location geo-tagged. Works through patchy networks; syncs when back in range.
By the time a file reaches credit, the CAM is already assembled — bureau pulls, bank statement analysis, valuation, FI notes and the BRE's recommendation. The credit manager judges the exception, not the data entry. Deviations route to the right authority level automatically.
Every step carries a TAT; every idle file raises auto-pendency and escalates. Files auto-allocate to the right desk by product, branch and load. The branch head sees exactly where every rupee of pipeline is stuck — before the applicant calls.
100+ reports and interactive dashboards read from the same live files — funnel conversion, TAT by step, branch and channel performance, sourcing quality by DSA. Drill from a number to the actual files behind it.
Eligibility, pricing and routing live in a drag-and-drop builder your credit team owns. Every change is versioned, approved and auditable — policy updates ship in an afternoon, not a release cycle.
On the criteria that decide a procurement.
Also inside Graviton LOS: DIY SOP management · lead management · omni-channel & D2C onboarding · co-applicant and guarantor onboarding · STP-based workflows · multi-level approval · contract generation · custom form builder · individual & business KYC · OCR · Aadhaar vault · bank account & income verification · bank statement analysis · e-sign / e-stamping · fraud checks · document management · mandates · dialer integrations · LSP & co-lending partner onboarding · capital allocation · revenue and cost splits · offer generation · 100+ reports
The loan origination system in the Graviton suite — lead management, multi-channel onboarding, KYC, valuation and field investigation, underwriting, sanction and disbursal for banks, NBFCs, HFCs and MFIs in India.
Commercial vehicle loans (CVL) and loans against property (LAP) lead — alongside unsecured personal loans, gold loans, warehouse receipt finance, business & MSME loans, housing, consumer durable, education and co-lending programs, each with product-level workflow configuration.
Yes — as two journey shapes on one system. Secured products (CVL, LAP, gold, warehouse) run field-first with valuation, FI, guarantors and committee-grade deviation control. Unsecured products (personal, business) run straight-through: e-KYC, in-session BRE decision, e-sign and same-day payout.
Through Graviton BRE: multi-bureau checks, bank statement analysis, scorecards, risk pricing and pre-qualification — with the CAM auto-generated and deviations routed through configurable approval matrices.
Typical rollouts go live in 2–4 months with a structured SLA, including configuration, integrations, UAT and staff training. Lenders report 60% faster disbursals after go-live.
A working session on your products — CVL, LAP, personal, gold, warehouse or business — with your workflow, your deviation matrix and your forms.
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