India's Most Trusted Co-Lending Platform for Banks & NBFCs

End-to-end co-lending lifecycle management — from partner onboarding and loan origination to collections, settlement, and analytics. Built for RBI compliance. Deployed in weeks.

Book a Demo

What is Co-Lending?

A smarter way to lend, together

Co-lending (or co-origination) is a RBI-mandated partnership model where a bank and an NBFC jointly disburse loans to priority sector borrowers.
The bank funds 80% of the loan at a lower cost of capital, while the NBFC originates and services the customer, contributing the remaining 20%.
iFLOW's Co-Lending Platform automates every step of this lifecycle — from partner onboarding and product configuration to disbursement, EMI collection, settlement, and regulatory reporting — on a single cloud-native system.

Priority Sector Compliance

Meet RBI's PSL targets through bank-NBFC co-lending partnerships seamlessly.

AI Credit Decisioning

ML models score applications in real-time using 200+ alternate data points.

Automated Settlement

Daily automated fund flow, interest split, and partner settlement reconciliation.

Multi-Bank Partnerships

Onboard and manage unlimited bank and NBFC partners on a single platform.

Paperless Origination

eKYC, Video KYC, DigiLocker, eSign — fully digital borrower onboarding.

Real-Time Analytics

Live portfolio dashboards with delinquency, collection, and yield metrics.

Why Co-Lending Matters

The strategic case for co-lending at scale

Extend Reach to Underserved Segments

Co-lending enables banks to leverage NBFC networks to reach last-mile borrowers — MSMEs, rural customers, and self-employed individuals — while meeting Priority Sector Lending mandates without branch expansion.

Optimised Risk & Capital Allocation

Banks fund 80% of the loan at lower cost of capital; NBFCs retain 20% skin-in-the-game. This structure delivers superior risk-adjusted returns for both partners while maintaining RBI-compliant exposure limits.

Faster Disbursements, Lower TAT

iFLOW's automated fund flow engine reduces disbursement TAT from 72 hours to under 4 hours. End-to-end digital workflow eliminates manual touchpoints and paper-based approvals.

Platform Features

Every capability you need on one platform

Purpose-built for co-lending — not adapted from a generic loan management system.

Co-Lending Orchestration

Automated loan allocation, partner routing, and co-origination across CLA/CLM and DA/Pool models.

AI Underwriting Engine

Real-time ML credit scoring with bureau integration, fraud signals, and alternate data analysis.

Digital Loan Origination

Fully paperless journey: eKYC, Video KYC, DigiLocker, eSign, and OCR document verification.

Fund Flow Management

Rule-based disbursement with auto-allocation, escrow management, and partner fund scheduling.

Collections & Recovery

Intelligent NACH, IVR, field agent workflows, and escalation rules with predictive delinquency alerts.

Automated Reconciliation

Daily settlement reconciliation across all partners with interest income split and P&L reporting.

Portfolio Analytics

Live dashboards for NPA, yield, collection efficiency, and partner-level performance benchmarks.

API Gateway

REST APIs with 99.9% uptime SLA, rate limiting, versioning, and comprehensive developer portal.

Compliance Automation

RBI, SEBI, IRDAI reporting modules updated within 30 days of regulatory changes.

Customer Success

Real Results from Real Institutions

Shaan Finance

NBFC — Retail & MSME Lending

Pools Acquired42 Pools

Portfolio Value₹3,200 Cr

Time Saved75%

Business Challenge

Manual Excel-based due diligence slowed pool acquisition cycles to 45–60 days, limiting volume to 4–5 pools per quarter and causing significant compliance risk.

iFlow Solution

Deployed iFLOW Co-lending Platform with automated validation, digital assignment workflow, and real-time portfolio analytics — integrated with their existing LMS in under 6 weeks.

Business Impact

Reduced acquisition cycle from 45 days to 11 days. Scaled portfolio acquisition volume by 4× within 2 quarters, deploying ₹3,200 Cr in performing assets.

""iFLOW transformed our Co-lending operation from a bottleneck to our fastest-growing revenue stream. The platform's automation and real-time visibility gave us the confidence to scale.""

Credit Head, Shaan Finance.

Enterprise Architecture

How iFLOW connects the entire ecosystem Borrower

Borrower App

iFLOW Platform

Partner Bank

NBFC / HFC

Core Banking System

Third-Party APIs

Collections Engine

Analytics & BI

ILLUSTRATION PLACEHOLDER – ENTERPRISE ARCHITECTURE DIAGRAM

Why iFLOW

Built different, proven at scale

Go live in 4–8 weeks, not 12+ months

- Pre-built connectors for 150+ systems, no-code product configuration, and a dedicated implementation team means you're live and disbursing in weeks. Our fastest deployment: 18 days.

99.9% uptime, zero excuses

- Multi-region active-active deployment on AWS Mumbai and Azure India. Kubernetes auto-scaling handles 10x traffic spikes without degradation. Real-time status at status.iflow.co.in.

By the Numbers

Scale that speaks for itself

Lending Partners

0cr+

Portfolio Managed

API Integrations

Platform Uptime

End-to-End Workflow

9-step co-lending lifecycle, fully automated

Step 1: Application

Borrower submits application via NBFC's mobile app, web portal, or field agent. iFlow captures all data fields, document uploads, and consent acknowledgements in a structured digital form.

MODEL COMPARISON

Co-Lending vs
Direct Lending

Feature	Co-Lending (iFLOW)	Direct Lending
Priority Sector Lending compliance
Shared credit risk between partners
Lower borrower interest rate
NBFC customer origination advantage
Bank balance sheet efficiency
Automated fund flow & settlement
Single system of record
AI-powered underwriting
Full borrower ownership