01
Origination
Digital onboarding, KYC and workflows
Go live in 4–8 weeks
Financial infrastructure to grow your lending.
End-to-end lending infrastructure and Mifos / Apache Fineract implementation for NBFCs, MFIs, banks and fintechs.
- Mifos & Apache Fineract
- Live in 4–8 weeks
- 15+ countries
Intelligrow LMS
LiveLive lending book · multi-product
Applications
R. Sharma
Personal · KYC complete
ApprovedA. Patel
MSME · underwriting
ReviewS. Khan
Gold · collateral tagged
DisbursedM. Iyer
Vehicle · DPD 18
CollectionsRisk & PAR
Low
PAR 2.4% · 642 disbursements this week
Mifos services
Mifos & Apache Fineract Services
Enterprise delivery for institutions that need a configurable core — not a two-year rewrite.
- 01Discover
- 02Configure
- 03Customize
- 04Integrate
- 05Migrate
- 06Launch
- 07Support
Solutions
Built for the institutions that run credit.
By industry
By loan type
View All Lending Solutions →Products
Originate. Decide. Manage. On one core.
The three systems that run the book — with collections, analytics, deposits and pigmy beside them, not competing with them.
Originate
Loan Origination
Cut turnaround time — digital onboarding to approval.
Origination pipeline184 in progress
NewKYCUnderwriteApprove
R. SharmaIG-1842KYC
A. PatelIG-1841Underwrite
S. KhanIG-1838Approve
Decide
Credit Assessment
Score, bureau, rules and AI decisioning in one pass.
DecisioningApprove
CIBIL bureauPass
Fraud / deviceClear
AI default risk3.1%
Manage
Loan Management
Disbursement, EMI, delinquency and servicing at scale.
Servicing book₹18.4 Cr
Current12,412Current
Overdue 1–30312Watch
DPD 30+122NPA watch
Also on the platform
Loan Collection
Recovery, DPD and AI prioritization
Learn more →Analytics & Reporting
NPA, PAR and live dashboards
Learn more →Deposit Management
FD, RD and savings posting
Learn more →Pigmy / Daily Savings
Agent apps and field collection
Learn more →Lifecycle
The lending lifecycle, on one core
Channels → origination → decisioning → LMS → collections → analytics, with integrations underneath.
02
Decisioning
AI scoring, bureau and fraud checks
03
Core / LMS
Disbursement, EMI and portfolio
04
Collections
Prioritization, recovery and DPD
05
Intelligence
NPA, PAR and portfolio insight
Integrations
Intelligrow at the center of the lending stack.
Origination, credit, LMS, collections and deposits connect to KYC, bureaus, banks, payments, eSign and accounting over APIs.
Platform
A lending stack you can configure, audit and scale.
AI is used where it changes the book: credit scoring, fraud, default prediction, collections prioritization and document processing.
- 01
- 02
- 03
- 04
- 05
Configurable, not custom-built
Products, workflows and policies without waiting on a development cycle.
API-first coreMifos / Apache Fineract with cloud-native deployment on AWS, Azure or GCP.
Governance by defaultRole-based access, audit logs, permissions and API security.
Multi-entity readyMulti-branch, multi-product and multi-currency where the book requires it.
Mifos / Fineract expertiseFast deploymentConfigurable platformIntegration-firstLong-term support
Explore Platform Capabilities →
Trusted by financial institutions globally
India · Middle East · Africa · Europe
60%
Faster loan processing
200+
Projects delivered
15+
Years in fintech
4–8 wks
Typical go-live
IIB Global
Liquiloans
BharatPe Capital
L&T Cooperative Bank
Stoke Diaspora SACCO
“Intelligrow has been a key technology partner in building and scaling our banking operations.”
Resources
Proof, documentation, and how we deliver.
FAQ
Frequently asked questions
What is a digital lending platform?
Software that automates origination, credit assessment, disbursement and servicing — so underwriting and collections are not trapped in spreadsheets.
What is a core banking platform?
The system of record for accounts, ledgers, deposits and lending operations across branches and channels.
What is Mifos used for?
An open-source core banking platform used by NBFCs, MFIs and banks to run products, portfolios and field operations.
What is Apache Fineract?
The backend engine under Mifos — a scalable core for multi-product, multi-branch lending and deposits.
How long does implementation take?
Typical go-live is 4–8 weeks, depending on product configuration, integrations and data migration.
About
We build lending infrastructure for institutions that need flexibility, speed, and control.
Fintech + AI experts
Decisioning, collections prioritization and document processing where they change cycle time.
About Intelligrow →Global delivery
Programs across India, the Middle East, Africa and Europe — on one core.
View locations →Long-term partner
Implementation, migration and support after go-live, not a one-off install.
Contact us →Launch your AI-powered lending platform in weeks, not months.
Built on Mifos & Apache Fineract. Configurable products. Audit-ready. Ready for global deployment.
IIB Global · Liquiloans · BharatPe Capital · 200+ programs
Architecture
Channels → LOS → Decisioning → LMS → Collections → Analytics
KYC · Bureau · Payments · eSign · WhatsApp · ERP