Every lead. Every application. Every sanction. Before it touches your LOS.
The CRM built for small Indian NBFCs doing retail and MSME lending — the ones stitching together DSA WhatsApp groups, excel trackers, partner portals, and manual data entry into their LOS, and wondering why credit decisions take four days. TatvaCRM is the pre-LOS layer. Capture leads, run underwriting, track sanction — then hand off cleanly to whatever LOS you already use.
Personal loans · MSME & business loans · LAP · Two-wheeler finance · Gold loans · Consumer durables
Four Monday mornings every NBFC founder has lived through. At least once.
Your panel of 40 DSAs sends enquiries in 40 different WhatsApp threads. Some are voice notes. Some are PAN card photos with no context. By Monday, your credit team is drowning in noise and the good leads are buried under the junk — while your faster competitor already called the customer back on Friday evening.
Application came in Monday. Documents collected Tuesday. Bureau pulled Wednesday. Credit committee meets Thursday. Customer went to a competitor Friday. You weren't slow because your policy is strict — you were slow because every stage lived in a different tool and nothing flowed automatically.
Ankit's LAP application had everything — CIBIL 780, verified income, clean property, ₹45L ask. It sat in somebody's Gmail drafts for six days because the handoff between the sourcing team and the credit team was a forwarded email and a verbal assurance. Easy sanction, lost deal.
Your auditor needs a source-of-lead audit trail for 200 recently disbursed loans, with timestamps on every stage from enquiry to sanction. Your team spends two weeks reconstructing it from WhatsApp screenshots, email archives, and Excel sheets. Nobody is confident the trail is complete.
Five BD members. One pipeline. One truth.
Every BD member is out hunting. Each one is running their own WhatsApp threads with their own DSAs, their own Excel tabs, their own promised follow-ups. Today the promoter can't answer basic questions without a Friday huddle — how many live applications right now, whose pipeline is strongest, which BD is coasting. Tomorrow every lead every BD is working is on one screen, attributed, owned, and tracked. You finally run the BD team as a team.
- BD leaderboard — live view of every BD member's active pipeline, value, and conversion rate. No more wondering who's actually producing.
- All channels in one place — DSA WhatsApp submissions, website forms, branch walk-ins, partner webhooks — attributed to the right BD owner automatically.
- Duplicate detection across BDs so the same customer walking in through two BDs doesn't waste two credit-officer hours.
- First-contact SLA on every new lead — if nobody has called in four hours, it escalates up the chain.
- • CIBIL ≥ 720 ✓ • LTV ≤ 70% ✓ • FOIR ≤ 55% ✓ • Age 25–60 ✓ • No defaults last 24m ✓
Sanction in 48 hours, not four days.
The reason your best applications lose to faster competitors isn't your credit policy — it's the friction between stages. Documents collected in one tool, bureau pulls in another, policy checks done manually, committee approvals chased on WhatsApp. TatvaCRM runs the full underwriting workflow in one place, with policy rules auto-evaluated and the file ready for committee the moment documents are complete.
- Configurable underwriting checklists per product, so a LAP file and a personal loan file track different things without custom development.
- Policy rules engine that auto-evaluates CIBIL cutoffs, LTV, FOIR, age, and default history — and flags exceptions before they reach the committee.
- Bureau pull integration with CIBIL, Experian, Equifax, CRIF — pulled once, cached, and re-pulled on policy triggers.
- Credit committee workflow — scheduled approvals, decision logs, sanction letter generation, all traceable for future audit.
Your customer data on Excel is a ticking risk.
Your entire customer base — PAN numbers, Aadhaar references, CIBIL scores, income documents, bank statements — is sitting on BD laptops, in shared Drive folders, in WhatsApp histories. Every day that data stays there, your NBFC carries a risk that cannot be insured away: one laptop walks out, one folder gets shared wrongly, one WhatsApp account gets cloned, and you have a DPDP-grade data breach on your hands. This isn't a productivity argument. This is an uninsured business risk you're carrying every single day.
Your customer list is the competitor's signup list.
When a BD resigns or a laptop gets stolen, your customer list, PAN numbers, CIBIL scores and income data leave with it. Under the DPDP Act, that's a reportable breach. Commercially, it's worse — the data now belongs to whoever has the laptop, and that's often your next competitor. TatvaCRM keeps the book in a centralised, access-controlled workspace. Revoke one login and the risk ends there.
An audit trail you can actually produce.
Scale-based regulation isn't getting lighter. RBI inspectors want source-of-lead attribution, complete KYC trails, decision logs with reasons, and timestamps on every stage from enquiry to sanction. A firm on Excel plus WhatsApp can't produce this without a two-week fire drill — and sometimes can't produce it at all. A firm on TatvaCRM exports the full trail in one click.
Flying blind is its own risk.
The promoter who has to ask five people on Friday afternoon to learn where the pipeline stands is making decisions on stale data. Bad capital allocation, missed early warning signs, quarterly surprises — these are what happens when the founder-CEO has no live view. TatvaCRM's promoter dashboard is the view. Pipeline, BD team, credit stage, disbursed volume — one screen, always current.
Every “no” is tomorrow's credit model.
The applications you rejected last year are the most valuable data you own. Which policy rules triggered? Which rejected applicants went on to default elsewhere? Which ones paid back in full when a competitor said yes? A firm that can't search its rejection history can't tune its policy. A firm that can, compounds its credit edge every quarter.
Clean handoff. Not a handover fire drill.
Once a file is sanctioned, it leaves TatvaCRM and enters your LOS for disbursement, documentation, and lifetime servicing. That handoff is where most pre-LOS tools fall apart — data has to be re-entered manually, context is lost, and your ops team spends half their time being a human bridge between two systems. TatvaCRM is built to pass a clean, complete, structured file to your LOS with nothing re-keyed.
- Structured sanction payload — all customer, financial, policy-evaluation, and document metadata exportable to your LOS in a single call.
- API-first integration with common Indian LOS platforms — or export to CSV/JSON if your LOS prefers batch import.
- Disbursement tracker that reads back from the LOS so your sourcing team sees when a loan actually hits the customer's account.
- Co-lending-aware — the sanction payload includes partner bank split, yield, and commission terms when applicable.
Five tools duct-taped together is not an origination stack.
Most small NBFCs run origination on the same chaotic mix — DSA WhatsApp groups, Excel pipelines, bureau portals, email threads, and manual data entry into the LOS. Each tool works fine alone. Stitched together as your pre-LOS layer, they guarantee slow decisions, lost applications, and regulatory fire drills.
+ DSA panel chaos
Real questions from real NBFC founders evaluating us.
Does TatvaCRM replace our LOS?+
No — TatvaCRM is the pre-LOS layer. Lead capture, underwriting, credit decision, sanction. Once a loan is sanctioned it hands off cleanly to your existing LOS for disbursement, EMI tracking, collections, and servicing. Keep whatever LOS you use — TatvaCRM is built to feed it, not replace it. This is deliberate; LOS platforms are complex, regulated systems and we're not in that business.
Which LOS platforms does TatvaCRM integrate with?+
We support API-first integration with the common Indian LOS vendors — Nucleus, Lentra, Finflux, Perfios, and similar. If your LOS prefers batch import, we export the full sanction payload as structured CSV or JSON. Talk to us with the name of your LOS and we'll confirm the integration path on a call.
Does this support co-lending workflows?+
Yes. Sanction payloads capture the partner bank split, yield share, commission structure, and the bank's overlay policy where applicable. The handoff to your LOS includes all the fields your bank partner needs for their own booking. Co-lending-specific workflows are something we're actively deepening — talk to us if this is central to your business.
How do bureau pulls work — do we use our own CIBIL account?+
You use your own bureau account — CIBIL, Experian, Equifax, CRIF. TatvaCRM orchestrates the pull, caches the result against the application record, and re-pulls when policy rules trigger. We don't resell bureau access; you maintain your direct relationships and pricing with the bureaus.
What about data residency for RBI compliance?+
Customer application data is stored on Neon PostgreSQL, with schema-per-tenant isolation. For NBFCs with strict India-residency requirements, we're developing an India-region option — talk to us about your specific regulatory posture and timeline.
How much does it cost for a 30-person NBFC?+
Workspace pricing, not per-user — so a 30-person NBFC pays the same as a 5-person one at each tier. Most NBFCs start on Professional and upgrade to Business once underwriting volume demands advanced policy rules and audit logs. See the full pricing breakdown.
Stop running origination on five tools duct-taped together.
Free forever on the starter tier. 30 days of Professional on us. No credit card. Connects to your existing LOS in a fortnight.
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