Document management that files every loan for you.
One record per loan and borrower, filed automatically. KYC archive, loan file digitization, post-disbursal document trail, and RBI inspection prep. Built for fintech lenders across India + Africa.
Lending compliance starts with documents
"RBI inspection flagged document trail gaps."
RBI Master Direction expects a structured KYC record and an approval audit trail. Significant penalties can follow inspection findings.Material penalties on findings.
"5,000 paper loan files in our office."
Legacy loan files sit in physical storage. Inspection prep takes weeks. Retrieval takes days.
"KYC docs in shared Drive + courier."
No structured KYC archive. Loose folders leave the document trail failing inspection prep.
"CBN / KRA regulators want digital records."
African fintech regulators increasingly require a structured electronic record trail.
"Post-disbursal documents lost."
EMI receipts, restructuring requests, and settlement documents scattered across folders. No single loan record.
"Approval sign-off required but missing."
RBI expects documented approval for KYC and disbursal. Email sign-off doesn't satisfy compliance.
Lender-ready document management
Important: Abscode is the document side. Use your Loan Origination System (Lentra, Habile, Indifi, FlexiLoans, etc.) for loan workflow. Abscode organises documents as records, files them for you, and handles the KYC archive, loan file storage, document trail, and regulatory inspection prep.
KYC archive with retention
Aadhaar, PAN, address proof, income proof: one KYC record per borrower, filed automatically. RBI 5-10 year retention supported. Inspection-ready.
Loan file digitization + storage
Digitize legacy loan files in bulk. Store new disbursals as one record per loan. Search by borrower, loan ID, or period.
Multi-level approval workflow
Add approval workflows wherever you need them, built with AI. Multi-level sign-off for KYC and disbursal documents, with an audit trail on every record.
RBI / CBN / KRA inspection-ready
Records pre-organised for regulatory inspection. Give an inspector structured access by borrower or period, for faster inspection prep.
Post-disbursal document trail
EMI receipts, restructuring, settlement, and NPA documentation filed into the loan record. Complete loan-lifecycle archive.
Audit trail on every record
Every filing and approval action is logged per record, covering the RBI inspection cycle end to end.
Abscode is NOT a Loan Origination System
For loan workflow (application → underwriting → disbursal), use Lentra, Habile, Indifi, FlexiLoans, or your existing LOS. Abscode handles the document side: KYC archive, loan file records, post-disbursal docs, and regulatory compliance documentation, backed by RBI-ready security and data-residency controls. We work alongside your LOS, not as a replacement.
Larger NBFCs needing advanced multi-step approvals or dedicated hosting: contact our enterprise team
If your organization needs multi-step approval routing, bring-your-own-storage, or dedicated deployment, our Enterprise edition handles that. Talk to our enterprise team →
Records lending teams keep in Abscode
Alongside the shared use cases below, lending and NBFC teams keep these industry-specific records, each as its own archive group.
Loan file archive
One record per loan, from application to closure. Every document that makes up the file stays together and searchable by borrower, loan ID, or period.
Post-disbursal document trail
EMI receipts, restructuring requests, settlement and NPA documents captured through the life of the loan and filed into the same loan record.
Collateral and security documents
Insurance, guarantees and security documents held together, with expiry watched so a renewal is raised before collateral cover lapses.
Regulatory inspection pack
A borrower's complete file, KYC, sanction, security and post-disbursal, produced complete and on demand when an inspector asks.
Use cases for lending and NBFCs
The document processes most lending and NBFC teams start with. Each opens its own page.
KYC document management
Collect, verify and file KYC and loan documents as one record per borrower, sensitive IDs masked and inspection-ready.
Know more →Vendor document management
Every vendor's contracts, KYC and tax documents in one record, with renewals flagged before they lapse.
Know more →Internal audit & CAPA tracker
Log audit findings, assign corrective actions and track each CAPA to closure with a complete trail on every record.
Know more →Controlled document management
Policies and controlled procedures with versioning, review cycles and approved-copy control on every record.
Know more →Financial records & statutory archive
Balance sheets, GST and statutory documents organised by period, so an inspection becomes a search.
Know more →Corporate & legal records
Board papers, contracts and statutory registers kept as records, retrieved by what the document is about.
See corporate & legal use cases →