Customers come in. Ready loan files go out.
Rinora is one loan system for NBFCs, co-operative banks and MFIs. It brings borrowers in from your ads and agents, checks them, prepares the credit file, and runs the loan until closure, under your own name.
Demo login: any demo user, password demo1234. The borrower form uses OTP 1234.
- 09:12Borrower applies from an Instagram adMobile OTP, PAN, consent to credit checkLead
- 09:12Pre-check against your product policy9 yrs in business · EMI within 15% of salesHot 85
- 09:13Credit file created automaticallyNo data entry by your staffFile
- 11:40Bank statement read, credit memo writtenBounces, round-tripping, cash deposits flagged2 flags
- 15:05Approved by a second person, KFS sent in HindiMaker-checker · APR on the Key Facts StatementSanctioned
- Day 2Disbursed. EMIs, reminders and RBI buckets run on their ownLedger balanced on every entryLive loan
Six tools today. One Rinora.
Most lenders type the same borrower details into several systems. Every re-entry costs time and creates mistakes. Rinora keeps one record from the first click to the last RBI report.
Rinora
One login, one borrower record, one contract. Lead engine, origination, credit memo, sanction and KFS, loan servicing, collections, general ledger, RBI and bureau reports.
Accounting entries export to Tally or your ERP, so your accountant keeps working the way they do today.
What your team stops doing by hand
Rinora does the repeat work. Your people make the decisions.
Bring customers in
Apply links for each ad, agent and partner. Every step of the form is saved, so half-filled applications are not lost.
- Source of every lead: which ad or agent brings loans, not just clicks
- Pre-check score with the reason: Hot, Warm, Cold or Not eligible
- Good leads become credit files automatically
- Hindi WhatsApp reminders for unfinished forms
Decide faster
The credit officer reviews a prepared file instead of building one.
- Bank statement analysis: EMIs, bounces, cash deposits, round-tripping, edited statements
- Credit memo written from the file
- Policy rules set by your admin, without code
- Maker-checker: the person who recommends cannot approve
Run the loan book
From disbursement to NOC, with accounts that always balance.
- EMI schedule, part-prepayment, rate change, NACH bounce charges, foreclosure
- Early warning score before an account slips into SMA
- Double-entry ledger, demand vs collection, DPD and NPA reports
- Bureau file, SMA/NPA report and an RBI inspection pack in one click
How a loan moves through Rinora
Each step hands over to the next with nothing typed twice.
- OnboardOnline form, branch, DSA or field staff. e-KYC and documents.
- AssessBureau, bank statement and GST data in one view.
- DecideRules engine, credit memo, two-person approval.
- DisburseSanction letter, KFS with APR, e-Sign, e-NACH.
- CollectEMIs, bounces, early warning, Hindi reminders.
- ReportLedger, RBI buckets, bureau file, audit trail.
Live in about two weeks, next to your old system
Changing loan software is risky, so Rinora runs alongside what you use today until your team is comfortable.
Your brand, your data
Borrowers and staff see your name. Each lender gets a separate database, hosted in India. Rinora appears only as a small “Powered by” line.
Sample brands used in the demo.
What works today, and what connects on contract
We would rather you hear this from us. Rinora’s own modules run now. Services from outside providers are built into the screens and switch on once the lender’s contract with that provider is signed.
| Area | Working in Rinora today | Connects on contract |
|---|---|---|
| Customers | Apply links, lead source tracking, pre-check score, automatic files, WhatsApp messages in Hindi (staff press Send) | SMS OTP with your DLT sender ID, automatic WhatsApp through the Business API |
| Credit | Statement analysis from CSV, credit memo, rules engine, maker-checker | Credit bureaus (CIBIL, Experian, Equifax, CRIF), Account Aggregator, GST data |
| Identity and signing | Document upload and storage, PAN format checks | Aadhaar e-KYC, CKYC, e-Sign, e-Stamp |
| Money | Disbursement and EMI accounting, UPI ID in reminders | e-NACH and UPI AutoPay mandates, payouts, payment gateway |
| Books and RBI | Ledger, trial balance, DPD/NPA, demand vs collection, bureau file, inspection pack, Tally export | Direct upload to bureaus and regulators |
Pricing that matches your size
No large licence before you see results. Pick the model that suits how you lend.
Pilot
- Your brand and products set up
- Lead engine and apply links
- Loan book import and parallel run
- Weekly review with our team
Pay as you grow
- Everything in Rinora, all branches
- Small cost when your book is small
- Fee grows only as your book grows
- Updates for new RBI rules included
Enterprise
- Install on your own servers if required
- Custom integrations with your core banking
- Named support team and agreed response times
- Security review support
Prices are shared after a 20-minute call, once we know your loan types and book size. Provider charges for bureau, e-KYC, e-Sign, SMS and WhatsApp are billed at actuals.
See it on your own loan product
Tell us who you are and what you lend. We set up a demo in your brand and walk your credit and operations heads through it, usually within two working days.
- Company
- Assentio Mentium Global Technology Pvt Ltd
- Contact
- Prateek Shukla, Managing Director
- prateek.shukla@assentiomentium.in
Thank you
We have your request. Our team will call you within one working day.
Meanwhile you can open the live demo or download the brochure.