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. Penalties ₹5L-₹5cr for 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 met. Inspection-ready.
Loan file digitization + storage
Digitize legacy loan files in bulk (Professional and up). Store new disbursals as one record per loan. Search by borrower, loan ID, or period.
Optional multi-level approval workflow
Add approvals only where 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. 70% 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. We work alongside your LOS, not as a replacement.
Larger NBFCs needing parallel approvals or dedicated hosting: contact our enterprise team
If your organization needs parallel approval routing, bring-your-own-storage, or dedicated deployment, our Enterprise edition handles that. Talk to our enterprise team →