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Financial Planning & Budgeting Tools

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Lending and payments infrastructure for banks, NBFCs, and fintech lenders in India. SwiffyLabs' full-stack platform covers loan origination, loan management, collateral management, risk management, and payments — built for the credit and operations teams that run Indian lending books. Built by the founding team behind Finacle and ZestMoney.

SwiffyLabs can be found in Financial Planning & Budgeting Tools, API & Backend-as-a-Service Platforms categories.

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Details

SwiffyLabs Main Features

• Limit Management
  Sanction, enhancement, renewal, expiry, and loan recall. Supports L1–L4 tiered limits and family/corporate exposure controls.
• API-First Platform
  Servicing APIs for CBS integration, channel partner enablement (LSPs), and borrower/partner portals.
• Pre-built Compliance
  Regulatory reports (CIC, NESL, CRILC) and ecosystem integrations (NSDL, MFCentral, CAMS, KFintech, Accord Fintech) maintained out of the box.
• Reports & Dashboards
  ClickHouse-based data warehouse with near-real-time sync. Pre-configured CIC, NESL, and CRILC compliance reports out of the box.
• Collateral Management
  Pledge, unpledge, and invoke across equity shares, mutual funds, bonds, PMS, and insurance policies. Pre-integrated with NSDL, CAMS, and KFintech.
• Payment Infrastructure
  Payment gateway, UPI Hub, POS, and Biller Center for digital repayments and mandate management.
• Risk Management System
  Configurable LTV, margin, exposure, and ADTV rules. Intraday portfolio revaluation with automated margin call letters and auto-liquidation.
• Business Rules Engine (BRE)
  Credit policy configuration without code. Rules run at origination and post-disbursement.
• Loan Management System (LMS)
  Full loan lifecycle management: disbursements, repayments, pre-closure, rollover, NPA management, and GL/accounting.
• Loan Origination System (LOS)
  Supports both STP (self-serve) and agent-assisted flows, with co-borrower, guarantor, and security provider handling built in.

SwiffyLabs Benefits

• Lower NPA risk
  Automated intraday portfolio revaluation and rule-based auto-liquidation reduce credit and market risk exposure on secured lending books.
• Composable architecture
  Deploy individual modules (e.g., just Collateral Management) or the full stack. Doesn't require ripping out existing CBS.
• Faster disbursement TAT
  STP flows eliminate manual touchpoints for eligible applications, cutting time from application to disbursal.
• Full lifecycle visibility
  One platform from origination through NPA — no data handoffs between systems, no reconciliation gaps.
• Built-in maker-checker controls
  Operational risk managed natively; no bolted-on approval workflows.
• Compliance without manual effort
  CIC, NESL, and CRILC reports run automatically. Regulatory updates absorbed by the platform, not by your ops team.
• Multi-product support on one stack
  Run credit lines, term loans, LAS, retail, and HNI lending in parallel without separate platforms.
• Zero customer integration work for data
  Pre-integrated with NSDL, CAMS, KFintech, MFCentral, Accord Fintech, and CMOTS. No build cost for standard market data pipes.
• Credit policy changes without engineering
  The BRE lets risk teams update underwriting rules directly, without waiting on a dev sprint.

Who should use SwiffyLabs?

• Banks
  Deploy the full lending stack (LOS + LMS + Collateral + Risk) against their CBS. SwiffyLabs handles the lending layer without requiring CBS changes.
• NBFCs
  Run retail and HNI lending books end-to-end: origination, underwriting, disbursement, collections, and NPA management.
• Fintech Leaders
  Launch loan products fast via API-first modules. Plug in individual components or the full stack.
• Credit & Risk Teams
  Configure underwriting rules, set LTV and exposure limits, monitor portfolio risk in real time, and trigger margin calls.
• Loan Operation Teams
  Manage disbursements, repayments, maker-checker workflows, bulk uploads, and customer communications from a unified ops portal.

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