OPL's infra-driven products
OPL's infra-driven platform
OPL's solutions
MSME loan
OPL set a new benchmark in the loan processing sector with the introduction
of MSME loans. Digitizing business loans was made simple and efficient with
deep integrations with multiple vendors to get authentic data from source
Sophisticated algorithms & automation are used to eliminate time-consuming &
tedious processes benefiting lenders and borrowers. Proposals are processed
with a rules-based engine built using banks’ eligibility criteria. Lenders
are aided in customer acquisition, disbursement & monitoring ensuring deeper
customer penetration & improved asset quality. An end-to-end digitalized
lending platform for borrowers who require loans for purchasing vehicles
that are intended for commercial purposes. Borrowers can choose loans under
MSME (for Rs.10 Lakh to 5 Crore).
Digital renewal
By automating renewals based on predefined bank parameters, this solution
eliminates manual intervention at the branch level, resulting in faster,
resource-efficient, and cost-effective processes. Digital renewal -
available for Working Capital Loan as well as for Term Loan Renewal cases-
ensures unbiased, data-driven credit decisions while providing a seamless,
branchless experience for high-quality borrowers. Quicker and resource
efficient process • Low-cost alternative to perform routine activity •
Reward good quality borrowers with hassle free experience • Track status of
all renewal accounts with single dashboard • Unbiased and accurate credit
decision • Seamless and digital process for borrowers • No need to visit
branch in current scenario.
Invoice based lending
Leveraging advanced analytics and seamless STP processes, OPL’s
well-integrated, technology-driven financing platform delivers efficient,
responsible invoice-based credit to MSMEs, fostering superior process
efficiency.
MSME Rank lending
MSME Rank Lending is revolutionizing the loan process for MSMEs. Instead of
relying solely on traditional credit scores and financial metrics, a
cutting-edge approach that triangulates Finance, Income and Trade data to
provide a score for MSMEs. MSME rank considers various factors such as the
current financial health of the business, repayment history, industry-specific performance metrics, and growth potential of the business, creating a more complete and realistic view of the MSME's creditworthiness.
STP journey
By fully automating the lending lifecycle—from application to
disbursement—OPL’s advanced, whitelabel STP solutions empower credit
institutions to achieve operational excellence, accelerate loan processing,
and efficiently manage complex MSME portfolios.
Agri-infra solutions
OPL set a new benchmark in the agri infrastructure loan processing sector.
Digitizing these loans was made simple and efficient with deep integrations
with multiple vendors to get authentic data from source. Sophisticated
algorithms & automation are used to eliminate time & tedious processes
benefiting lenders and borrowers. Proposals are processed with a rules-based
engine built using banks’ eligibility criteria. An end-to-end digitized
platform for borrowers who require loans for setting up Agri Clinics or Agri
Business Centers and eligible applicants can also avail subsidy benefits.
Kisan credit card
OPL’s innovative solution empowers borrowers to seamlessly apply for Kisan
Credit Cards remotely-without any physical visits to the banks- while
providing bankers with real-time borrower assessment reports. This approach
optimizes operational efficiency, accelerates loan approvals and
disbursements, and reduces costs.
Kisan credit card renewal
Our advanced platform streamlines the renewal of Kisan Credit Card (KCC)
limits by automating the process in accordance with bank-defined parameters.
This significantly reduces manual intervention and by eliminating manual
workflows, banks benefit from enhanced turnaround times, cost optimization,
and improved resource allocation. Borrowers experience faster service
delivery and greater convenience, strengthening customer relationships.
Micro- finance
OPL’s microfinance platform is engineered to deliver seamless, affordable
credit access to micro enterprises. The solution digitizes the entire credit
lifecycle—including application intake, digital documentation, and
collections—enabling rapid and efficient credit disbursal. By automating
core processes, banks achieve faster turnaround and reduced operational
costs.
Partner interface
Our digital platform empowers partners—including Chartered Accountants,
Direct Selling Agents, partner banks, and Common Service Centers—to
seamlessly onboard and complete the customer journey on behalf of clients.
Purpose-built for the banking and financial services sector, this solution
streamlines partner-driven origination, ensuring compliance, operational
efficiency, and rapid customer acquisition.
Digital monitoring
OPL’s Digital Monitoring platform delivers an innovative, seamless,
automated solution for banks and MSME borrowers, enabling secure digital
submission of critical documents such as Income Tax, GST, and stock
statements. With automated reminders and a real-time dashboard, banks
benefit from timely, month-on-month data for robust credit monitoring and
portfolio management. This technology-driven approach enhances operational
efficiency, reduces administrative costs, and eliminates the need for
in-branch visits. By leveraging advanced analytics, the platform empowers
banks to optimize lending patterns, extend higher limits to high-performing
MSMEs, and proactively identify early warning signals, supporting
responsible, data-driven growth in MSME lending.
Supply chain finance
A smart, analytics-driven platform delivering short-term working capital for
authorized vendors (e-VFS - Vendor Finance) and dealers. (e-DFS-dealer
finance). Utilizing over 50 advanced parameters, it ensures rapid, precise
eligibility assessment and loan disbursal.
Cash flow based lending
The solution provides pre-approved working capital offers by analyzing GST
data, income tax returns, and real-time cash flows, evaluated through a
sophisticated BRE risk model. Fully digital from application to
disbursement, leveraging OCEN and AA frameworks, it enables banks to
accelerate MSME lending.
Insurtech solution
Our advanced, API-driven insurance automation platform improves enrolment,
claims processing, and endorsements, with minimal manual input and
verification time. Its seamless data exchange between banks, insurers, and
beneficiaries enhances operational efficiency. The sophisticated
de-duplication feature guarantees removal of duplicate entries, thus
resulting in precise beneficiary representation, data integrity, minimizing
errors, and expediting claims. By streamlining workflows and automating
verification, banks can achieve faster, unbiased, and resource-optimized
insurance management.