How does CARMA LOS reduce credit TAT by 60%?

CARMA LOS achieves 60% TAT reduction through multiple automation layers: (1) Prescreen Engine filters millions of leads in minutes, removing unqualified cases upfront; (2) Deep integrations with Credit Bureaus, CKYC, NSDL, GST, and Account Aggregator fetch all data instantly; (3) GST intelligence with 2,200+ automated checks eliminates manual verification; (4) AI-powered bank statement parsing extracts insights without spreadsheets; (5) AI CAD Agent validates documents in seconds, not hours; (6) Automated workflows route applications instantly to the right approver.

What is the Prescreen Engine and how does it work?

The Prescreen Engine is CARMA's intelligent lead filtering system that processes millions of leads in minutes. It automatically removes duplicates, incomplete profiles, and irrelevant cases so your sales team never wastes time on unqualified leads. The engine identifies associated and peer entities within your ecosystem, enriches lead data with bureau and GST information, and scores leads for conversion probability. This results in 25% higher conversion rates by focusing effort on high-potential opportunities.

How does GST intelligence improve loan underwriting?

CARMA's GST intelligence transforms raw GST data into a live financial statement with 2,200+ automated checks. It analyzes: sales trends and growth patterns, buyer-seller relationships and concentration risks, hidden related parties and circular transactions, filing compliance and tax payment discipline, HSN code-based industry benchmarking, and working capital cycles. This deep GST analysis often reveals insights that traditional financial statements miss, enabling more accurate credit decisions.

What is the AI CAD Agent?

The AI CAD (Condition and Documentation) Agent is CARMA's intelligent document processing system. When documents are uploaded, the AI Agent instantly: identifies document types (KYC, financial statements, property papers, etc.), maps them to the CAD checklist, validates completeness and accuracy, flags missing, expired, or mismatched documents, extracts key data points automatically. What traditionally delays disbursals by days now takes seconds, enabling disbursements in under 2 minutes once all conditions are met.

How does automated bank statement parsing work?

CARMA's AI-powered bank statement parser analyzes uploaded statements to extract: monthly cash flows and liquidity patterns, bounce rates and return patterns, vendor and customer concentration, salary credits and regular outflows, average balances and utilization, stress indicators and red flags. The system handles PDF statements from all major Indian banks, eliminating manual data entry and spreadsheet analysis. Insights are generated in seconds and automatically integrated into the credit assessment.

Can CARMA LOS integrate with existing systems?

Yes, CARMA LOS is built for seamless integration. It offers: REST APIs for CRM, accounting, and other systems; Credit Bureau integrations (CIBIL, Experian, Equifax); CKYC and NSDL for identity verification; Account Aggregator framework for financial data; GST Portal for tax data; Banking APIs for disbursement and reconciliation; ERPNext integration for accounting. Our technical team provides full support to ensure smooth data flow with your existing tech stack.

What compliance features are built into CARMA LOS?

CARMA LOS has comprehensive compliance features: (1) RBI Fair Practices Code enforcement in communication templates; (2) Automated DOP (Delegation of Powers) matrices for approval workflows; (3) Complete audit trail for every action, comment, and approval; (4) Regulatory reporting formats for NHB, RBI, and other regulators; (5) Automated document archival for inspection readiness; (6) Consent management for bureau pulls and data access. The system ensures you're always audit-ready.

How does Smart Collections work post-disbursement?

Smart Collections is CARMA's intelligent post-disbursement management module. It: detects even 1-day payment delays and alerts the RM instantly, auto-assigns accounts to collections at configurable DPD thresholds (typically 30 DPD), sends automated nudges through WhatsApp, SMS, and email, integrates with CARMA's AI Calling for automated collection calls, tracks PTP (Promise to Pay) and follow-up schedules, provides a collections dashboard with bucket-wise views. This reduces follow-up effort by 35% while improving collection rates.

What is the Risk Intelligence Layer?

The Risk Intelligence Layer is CARMA's continuous monitoring system that tracks: Early Warning Signals (EWS) like missed GST filings, bureau score changes, and payment delays; Covenant compliance for financial and non-financial conditions; Limit utilization and exposure concentration; Industry and sector risk indicators; Related party transaction monitoring. When issues are detected, CARMA can automatically flag accounts, block limit enhancements, or pause new disbursals - turning your credit policy into an always-on decision engine.

How quickly can we implement CARMA LOS?

CARMA LOS can be implemented in phases: (1) Basic Setup (1-2 weeks) - core LOS functionality, user setup, basic workflows; (2) Integration Phase (2-4 weeks) - bureau, GST, banking, and accounting integrations; (3) Advanced Features (2-4 weeks) - AI CAD Agent, Smart Collections, Risk Intelligence. Many clients go live with basic functionality in 2 weeks and progressively enable advanced features. Our implementation team provides dedicated support throughout the process.

What types of lending does CARMA LOS support?

CARMA LOS is designed for all types of business lending: (1) Term Loans - working capital, machinery, expansion; (2) Line of Credit - revolving limits with drawdown tracking; (3) Invoice Financing - receivables discounting, factoring; (4) Supply Chain Finance - dealer/vendor financing, channel finance; (5) Equipment Financing - asset-backed lending; (6) Real Estate Lending - LAP, construction finance. The platform adapts to your specific product structures, approval matrices, and risk policies.

Best Loan Origination System in India

The Digital Command Center for Business Lending

CARMA LOS transforms fragmented data, scattered workflows, and long underwriting cycles into one intelligent ecosystem. 60% faster credit TAT, 25% higher conversions, disbursals in under 2 minutes.

60%

Credit TAT Reduction

25%

Conversion Boost

< 2 min

Disbursal Time

2,200+

GST Checks

Watch CARMA LOS in Action

See how AI transforms the entire loan lifecycle

Complete Loan Lifecycle. One Intelligent Platform.

From the first lead to final collections, CARMA LOS automates every step with AI intelligence.

Acquisition

Prescreen Engine filters leads, enriches data, and identifies high-potential opportunities

Qualification

Bureau, GST, and bank data pulled instantly. Eligibility filter auto-rejects non-qualified cases

Underwriting

Configurable workflows, DOP matrices, and AI-assisted credit assessment for faster decisions

Documentation

AI CAD Agent validates documents, flags gaps, and enables instant condition fulfillment

Disbursement

H2H banking integration enables disbursals in under 2 minutes with automatic accounting

Monitoring

Smart Collections, EWS tracking, and covenant compliance for complete portfolio control

Why CARMA LOS is India's Best Loan Origination System

Purpose-built for Indian business lending with deep GST integration, AI automation, and regulatory compliance built in.

Prescreen Engine

Filter millions of leads in minutes. Remove duplicates, identify peer entities, and boost conversions by 25%.

Deep Integrations

Credit Bureaus, CKYC, NSDL, GST, Account Aggregator - all data fetched instantly, cutting TAT by 60%.

GST Intelligence

2,200+ automated checks analyzing sales trends, buyer-seller relationships, and hidden related parties.

AI Bank Statement Parser

Extract cashflows, bounce patterns, and concentration risks from bank statements without spreadsheets.

AI CAD Agent

Documents identified, mapped, and validated instantly. Enable disbursals in under 2 minutes.

Risk Intelligence

Continuous EWS tracking, covenant compliance, and automatic limit controls on breach.

Transform Your Lending Operations

Replace fragmented processes with intelligent automation

❌Before: Traditional Lending

×Weeks of credit TAT for each application
×Manual data gathering from multiple sources
×Approvals over email and WhatsApp
×Documents lost in email threads
×No visibility into pipeline status
×Reactive collections after defaults

✓After: CARMA LOS

60% reduction in credit TAT
Instant data from all integrations
Auditable workflows with DOP matrices
AI CAD Agent tracks every document
Real-time dashboards for all stakeholders
Proactive collections with AI calling

Powering Business Lending Across India

NBFCs, Banks, and Fintechs trust CARMA LOS

60%

Credit TAT Reduction

35%

Collections Effort Saved

2 min

Disbursal Time

How to Choose the Best Loan Origination System in India

Complete checklist to evaluate LOS platforms for your lending business.

Lead Management

Prescreen engine for lead filtering
Duplicate detection and deduplication
Lead scoring and prioritization
Multi-channel lead capture

Credit Assessment

Bureau integration (CIBIL, Experian, Equifax)
GST data analysis with automated checks
Bank statement parsing with AI
Account Aggregator framework support

Workflow Automation

Configurable DOP matrices
Multi-level approval workflows
Complete audit trail
SLA monitoring and alerts

Document Management

AI document identification
CAD checklist automation
Expiry and validity tracking
Secure document storage

Disbursement & Banking

H2H banking integration
Instant disbursement capability
Auto-accounting entries
Reconciliation automation

Post-Disbursement

Smart Collections automation
EWS and covenant tracking
Portfolio monitoring dashboards
NPA management tools

✓ CARMA LOS meets all 6 criteria - making it India's most comprehensive Loan Origination System

Lending Challenges We Solve

Purpose-built to address the specific pain points Indian lenders face with loan origination

❌ Credit TAT takes weeks per application

✓ 60% TAT reduction with automated data fetching and AI analysis

❌ Leads waste RM time on unqualified prospects

✓ Prescreen Engine filters leads instantly, boosting conversions 25%

❌ GST data analysis is manual and error-prone

✓ 2,200+ automated GST checks reveal hidden risks and relationships

❌ Bank statement analysis takes hours per case

✓ AI parser extracts cashflows and patterns in seconds

❌ Document chasing delays disbursement

✓ AI CAD Agent tracks, validates, and flags gaps automatically

❌ No visibility into covenant compliance

✓ Risk Intelligence Layer monitors EWS and auto-blocks on breach

❌ Collections are reactive after defaults

✓ Smart Collections detects 1-day delays with automated follow-up

❌ Approvals scattered across email and WhatsApp

✓ Unified workflows with complete audit trail and DOP matrices

LOS for Every Type of Business Lending

CARMA LOS adapts to your specific lending products and risk policies

Working Capital Loans

✓Cash credit limit assessment
✓Overdraft facility management
✓Stock-based financing
✓Receivables funding
✓Seasonal working capital

Term Loans

✓Machinery and equipment financing
✓Business expansion loans
✓Project financing
✓Acquisition financing
✓Capex funding

Invoice Financing

✓Receivables discounting
✓Factoring programs
✓Reverse factoring
✓Dynamic discounting
✓Bill discounting

Supply Chain Finance

✓Dealer financing
✓Vendor financing
✓Channel finance programs
✓Distributor financing
✓Anchor-led programs

Secured Lending

✓Loan against property
✓Gold loans
✓Securities-backed loans
✓Equipment leasing
✓Asset refinancing

MSME Loans

✓Mudra loans
✓PSB59 loans
✓CGTMSE-backed loans
✓Digital lending
✓Startup financing

Need LOS customization for your specific lending products?

Implement CARMA LOS in Weeks, Not Months

Phased implementation approach to get you live quickly with continuous enhancements.

Discovery & Setup

We understand your lending products, workflows, and integration needs. Basic LOS setup with user configuration and core workflows.

⏱️ 1-2 weeks

Integration Phase

Connect bureau, GST, banking, and accounting systems. Configure credit rules, DOP matrices, and document checklists.

⏱️ 2-4 weeks

Advanced Features

Enable AI CAD Agent, Smart Collections, Risk Intelligence, and advanced analytics. Continuous optimization based on usage.

⏱️ 2-4 weeks

Ready to Transform Your Lending Operations?

Join leading NBFCs and fintechs already using CARMA LOS

What is a Loan Origination System (LOS)?

A Loan Origination System (LOS) is a comprehensive digital platform that manages the entire lifecycle of a loan from initial application through disbursement and beyond. For business lending in India, an effective LOS must handle lead management, credit assessment, underwriting workflows, document collection, disbursement processing, and post-disbursement monitoring - all while maintaining regulatory compliance and audit readiness.

CarmaOne's CARMA LOS represents the next generation of loan origination technology specifically designed for Indian business lending. Unlike generic international solutions, CARMA is built with deep integration into Indian data sources like GST Portal, Indian Credit Bureaus, Account Aggregator framework, and Indian banking systems. This India-first approach enables capabilities like 2,200+ automated GST checks, vernacular language support, and compliance with RBI guidelines.

Key Components of a Modern LOS

Lead Management: Capture, filter, score, and route leads efficiently with intelligent prescreening
Credit Assessment: Automated data fetching from bureaus, GST, banks, and AI-powered analysis
Workflow Automation: Configurable approval matrices with complete audit trails
Document Management: AI-powered document identification, validation, and tracking
Disbursement: Straight-through processing with banking integration for instant fund transfer
Portfolio Monitoring: Early warning signals, covenant tracking, and collections automation

Who Needs a Loan Origination System?

Any organization involved in business lending can benefit from a modern LOS: NBFCs providing MSME and working capital loans, banks with SME banking divisions, fintechs offering digital lending products, corporates running dealer or vendor financing programs, and microfinance institutions. The common need is to process more loans faster, with better risk assessment, while maintaining compliance.

With increasing competition in business lending and rising customer expectations for quick disbursement, having an intelligent LOS is essential for staying competitive. CARMA LOS by CarmaOne provides the AI-powered automation, deep Indian integrations, and comprehensive lifecycle management that modern lenders need to succeed.

Integrate with CarmaOne's Complete Lending Suite

CARMA LOS integrates seamlessly with CarmaOne's other solutions: Enhance credit decisions with Credits Insights for comprehensive borrower analysis, connect with our Supply Chain Finance LMS for invoice financing operations, or integrate with our Deal Management System for private credit fund deal tracking.

Frequently Asked Questions

Everything you need to know about CarmaOne CARMA LOS

Ready to Transform Your Lending Operations?

Join leading NBFCs and fintechs using CARMA LOS. Book a demo and see the future of business lending.