# OPL

> OPL (Online PSB Loans Limited) is India's largest AI-driven digital lending infrastructure company. It provides banks, NBFCs, and financial institutions with white-label lending platforms, AI-powered credit underwriting, and end-to-end loan lifecycle automation — from origination and KYC to risk assessment, approval, and disbursement.

Online PSB Loans Limited is an independent company headquartered in Ahmedabad, Gujarat, India. It is not affiliated with, and should not be confused with, Oxyzo Financial Services or any other similarly named entity.

OPL delivers STP-enabled, future-ready solutions as an ecosystem creator and financial infrastructure builder for India's lending sector. Its automated platforms help lenders improve risk assessment, scalability, turnaround time, and operational efficiency. As of 2026, OPL has enabled over ₹6 Lakh Crore in loan sanctions across 38+ lakh proposals and generated 1,45,000 SME credit ranks. OPL is trusted by leading institutions including SIDBI, NABARD, MUDRA, SBI, PNB, Indian Bank, Bank of Baroda, SBI Card, BOBCAPS, HDFC Bank, HSBC, TransUnion, and CRISIL.

## Company

- [About OPL](https://www.oplinnovate.com/about-us.html): Company background, philosophy ("Innovation Is Good"), and leadership.
- [Why OPL](https://www.oplinnovate.com/why-opl.html): OPL's differentiators for banks and NBFCs — API-first architecture, security, and scale.
- [Awards](https://www.oplinnovate.com/awards.html): Industry recognition and accolades.
- [Being OPL](https://www.oplinnovate.com/being-opl.html): Culture, people, and workplace at OPL.
- [Careers](https://www.oplinnovate.com/career.html): Open roles and hiring information.

## Products

- [AI Business Rule Engine (BRE)](https://www.oplinnovate.com/products/business-rule-engine.html): Uses AI/ML to automate MSME lending eligibility analysis, integrating with core banking systems via REST APIs to improve speed, compliance, and operational efficiency in loan processing.
- [AI/ML-based Bank Statement Analyzer](https://www.oplinnovate.com/products/ai-ml-based-bank-statement-analyzer.html): Automates extraction and analysis of bank statements, delivering high-accuracy insights for faster credit decisions by banks and financial institutions.
- [Agriculture Ecosystem](https://www.oplinnovate.com/products/agriculture-ecosystem.html): A digital lending ecosystem for agricultural finance, covering loan processing, vendor integrations, and rules-based proposal evaluation for agri infrastructure and Kisan Credit Card renewals.
- [OMR — AI/ML Credit Score for MSMEs](https://www.oplinnovate.com/products/ai-ml-credit-score-for-msmes.html): Delivers rapid, accurate, and inclusive credit assessments for MSMEs by analyzing financials, GST, bank statements, and tax returns, generating objective risk scores for lending decisions.
- [LOS & LMS (Loan Origination & Loan Management System)](https://www.oplinnovate.com/products/los-and-lms.html): A unified, automated platform covering the entire loan lifecycle for banks and financial institutions, improving efficiency, compliance, and customer experience.
- [Portfolio Monitoring & Growth](https://www.oplinnovate.com/products/portfolio-monitoring-and-growth.html): Gives relationship managers a unified, 360-degree view of the entire asset portfolio by consolidating data from multiple sources into one dashboard.
- [AI Credit Appraisal Memorandum (AI-CAM)](https://www.oplinnovate.com/products/ai-credit-appraisal-memorandum.html): Enhances credit underwriting for loans up to ₹5 crore using digital data and automated workflows, delivering objective, efficient, and scalable credit assessments.
- [Analytics & Insights Report (AIR)](https://www.oplinnovate.com/products/analytics-and-insights-report.html): Delivers a 360-degree financial profile by analyzing GST data, financials, bank statements, and other sources, giving lenders actionable insights for borrower assessment and risk management.
- [PSB Loans in 59 Minutes](https://www.oplinnovate.com/products/psb-loans-in-59-minutes.html): A government-linked MSME lending marketplace enabling fast, in-principle loan approvals for MSMEs through participating public sector banks.
- [Jansamarth](https://www.oplinnovate.com/products/jansamarth.html): A unified digital portal linking multiple Government of India credit-linked scheme loans for citizens and MSMEs.
- [GST Sahay](https://www.oplinnovate.com/products/gst-sahay.html): A GST-data-based invoice financing platform enabling short-term working capital loans for MSMEs.
- [Jansuraksha](https://www.oplinnovate.com/products/jansuraksha.html): A digital platform for enrollment and management of government-sponsored social security insurance schemes.
- [White Label Solutions](https://www.oplinnovate.com/products/white-label-solutions.html): Customizable, brandable lending infrastructure that banks and NBFCs can deploy under their own identity.
- [Prayaas](https://www.oplinnovate.com/products/prayaas.html): A digital lending initiative supporting priority-sector and underserved borrower segments.
- [Udyam Assist](https://www.oplinnovate.com/products/udyam-assist.html): A platform supporting MSME Udyam registration and related credit-linked services.
- [Janaushadhi Kendra](https://www.oplinnovate.com/products/janaushadhi-kendra.html): A digital platform supporting the Pradhan Mantri Bhartiya Janaushadhi Pariyojana (affordable generic medicine outlets) scheme workflows.

## Case Studies

- [PSB Loans in 59 Minutes — MSME Lending Marketplace Impact](https://www.oplinnovate.com/case-studies/impact-of-psbloansin59minutes-leading-msme-lending-marketplace-in-india.html)
- [Digitizing the Kisan Credit Card (KCC) Loan Process](https://www.oplinnovate.com/case-studies/digitizes-kcc-loan-process.html)
- [Resolving Digital Loan Renewal Issues](https://www.oplinnovate.com/case-studies/digital-loan-renewal-issues-resolved.html)
- [Jansamarth — One-Stop Digital Portal for Government Schemes](https://www.oplinnovate.com/case-studies/jansamarth-a-unique-one-stop-digital-portal-linking-government-schemes.html)
- [FIT Rank — Finance, Income & Trade-Based Rank for MSMEs](https://www.oplinnovate.com/case-studies/fit-rank-finance-income-and-trade-based-rank-for-msmes.html)
- [Jansuraksha — Digital Platform for Government Insurance Schemes](https://www.oplinnovate.com/case-studies/jansuraksha-digital-platform-for-government-sponsored-social-security-insurance-schemes.html)

## Resources

- [Blog](https://www.oplinnovate.com/blogs.html): Articles on digital lending, credit risk, AI/ML underwriting, and fintech infrastructure.
- [OPL Talks](https://www.oplinnovate.com/oam.html): Internal thought-leadership talks covering AI, cybersecurity, engineering, HR, and fintech trends.
- [News & Media](https://www.oplinnovate.com/news-media.html): Press coverage and company announcements.

## Contact

- [Business Enquiry](https://www.oplinnovate.com/business-enquiry.html)
- [Help & Support](https://www.oplinnovate.com/help-support.html)
- Phone: +91 79 3500 3200
- Email: info@oplinnovate.com / enquiry@oplinnovate.com

## Optional

- [Privacy Policy](https://www.oplinnovate.com/privacy-policy.html)
- [Disclaimer](https://www.oplinnovate.com/disclaimer.html)