Loan Origination System
Originate Smarter. Sanction Faster.
A fully digital, AI-powered Loan Origination System designed for Indian banks and NBFCs. From application to sanction, automate every step of the lending journey while keeping your credit team firmly in control.
What Makes UltraBanker LOS Different
One LOS. Every Loan Product. Zero Workflow Sprawl.
Gold loans need appraisal. Home loans need legal and technical checks. Agri loans need field visits. JLG loans need group verification. Most LOS platforms hardcode a separate pipeline per product — Ultrabanker doesn't.
A single 8-stage master origination workflow runs across every loan product. What changes per product isn't the workflow — it's which verification types switch on inside Stage 6.
The Master Workflow Configurable at every stage
Every application moves through the same eight stages. Every stage carries its own configuration knobs — expand a stage to see what your ops team can tune per loan product without an engineering ticket.
- Intake channels — enable or disable web, app, DSA, branch per product e.g. Gold Loan restricted to branch/DSA only
- Application form fields — product-specific fields shown or hidden e.g. land holding for Agri, GSTIN for SME
- Loan amount & tenure bands — min/max limits enforced at entry, per product e.g. ₹10K–₹2L for Gold, up to ₹5Cr for LAP
- Consent & disclosure text — product- and region-specific regulatory disclosures
- Eligibility rules — income multiple, FOIR, age band per product e.g. tighter FOIR for Personal Loan than SME
- Fraud & dedup checks — toggle device fingerprinting, duplicate-application detection
- Negative area / blacklist rules — pincode and applicant blacklists per product and region
- Auto-reject cutoffs — hard-stop thresholds before the file proceeds further
- KYC depth — CKYC lookup vs full eKYC, keyed to product and ticket size e.g. light KYC for small-ticket Gold Loan top-ups
- Co-applicant / guarantor data — required or optional per product
- KYC source — Aadhaar eKYC, DigiLocker, or assisted physical KYC
- Product-specific data fields — land records for Agri, GSTIN/Udyam for MSME, group ID for JLG
- Document checklist — exactly which documents are requested, built per product e.g. RC book for Vehicle, land record for Agri, GST returns for SME
- Mandatory vs optional flags — per document, per product
- OCR & validation rules — which documents get auto-extraction and cross-checks
- Collection mode — self-upload, assisted upload, or branch scan
- Bureau selection — CIBIL, Experian, CRIF, or a combination, per product
- Score cutoff bands — approve / refer / reject thresholds tuned per product risk appetite
- Alternate data sources — Account Aggregator, GSTN, UPI history for thin-file borrowers e.g. MSME, Personal Loan, Microfinance
- Risk segmentation rules — how score bands map to downstream underwriting paths
Which of five reusable verification types switch on, in what sequence, and against which escalation rules — a product activates one, several, or none.
⚖️ Legal
Title deed check, ownership verification, legal opinion on property/asset
e.g. Gold Loan, Home Loan🏗️ Technical
Site inspection, property valuation, technical/engineering assessment
e.g. Home Loan, LAP, SME🪙 Asset
Physical asset appraisal — gold purity/weight, equipment valuation
e.g. Gold Loan, Agri Equipment📍 Field
On-ground investigation — farm visit, business premises visit
e.g. Agri Loan, JLG, SME🤝 Group
JLG checks — group formation, co-guarantor and peer verification
e.g. JLG / Microfinance- Credit policy & exception matrix — rules and permitted exceptions defined per product
- Delegation of authority (DOA) — approval thresholds by officer grade and product
- Risk-based pricing grid — rate/spread adjustments by risk band, per product
- Manual override rules — who can override, and what gets logged when they do
- Sanction letter template & clauses — product-specific terms, covenants, and conditions
- Disbursement mode — single tranche vs staged/linked disbursal e.g. construction-linked Home Loan, crop-linked Agri Loan
- Repayment mandate setup — NACH, UPI Autopay, or physical PDCs per product
- Cooling-off / lock-in period — regulatory holding period applied per product and geography
Same Engine, Different Switches
Launching product #9 means configuring one new row — not building a new workflow.
| Product | ⚖️ | 🏗️ | 🪙 | 📍 | 🤝 |
|---|---|---|---|---|---|
| Gold Loan | ✓ | – | ✓ | – | – |
| Home Loan | ✓ | ✓ | – | – | – |
| Personal Loan | – | – | – | – | – |
| LAP | – | ✓ | – | – | – |
| Agri Loan | – | – | – | ✓ | – |
| Agri Equipment | – | – | ✓ | ✓ | – |
| JLG / Microfinance | – | – | – | ✓ | ✓ |
| SME / Business | – | ✓ | – | ✓ | – |
Golden Workflows, Seeded From Day One 🏅 Day 1 Ready
Built with retired bankers and industry veterans who ran these sanctioning desks for decades — not drafted from a spec sheet. Every loan category ships with a pre-configured golden workflow as Day 1 seed data.
Golden Doesn't Mean Fixed 🛠️ Configurable
Every bank runs its own risk appetite and field-verification norms. Your ops team can adjust which verification types activate, reorder sequencing, and tune thresholds per product — directly through configuration, with a full audit trail. No re-platforming, no change-request queue.
See how your institution's loan products map onto this matrix — with your golden workflows pre-loaded.
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