Graviton: All-in-One Digital Lending Software & Operating System for Modern NBFCs & Banks
- prashant6352
- Aug 14
- 6 min read
Updated: Aug 16
In today’s digital-first financial landscape, the traditional way of managing lending operations- using fragmented tools and manual processes is no longer viable. Non-Banking Financial Companies (NBFCs) and banks that want to stay competitive must reimagine their tech stack and embrace unified digital lending software that can scale with their ambitions. This is where Graviton steps in, not just as another fintech tool, but as a true operating system for lending institutions.
From loan origination to collections, accounting to compliance, and field operations to reporting- Graviton brings every function under one tightly connected ecosystem. The result? Faster decisions, lower operational overhead, and more time to focus on customers — not on fixing backend chaos.
In this post, we’ll explore how Graviton solves real problems for NBFCs and banks by delivering seamless automation, reliability, and intelligence across your entire lending lifecycle.
1. The Problem With Siloed Lending Systems
Before we talk about solutions, let’s understand the pain.
Most traditional lenders still rely on disconnected software systems for different parts of their loan operations- a CRM or spreadsheet for lead management, a separate tool for underwriting, a legacy LMS (loan management system) for EMI tracking, manual accounting systems, and maybe some custom tool for collections.
Here’s what this fragmented stack causes:
Data silos- Each team sees only a part of the customer journey.
Manual handoffs- From login to disbursal, ops teams do repetitive work.
Delayed disbursals- Because verification and approvals aren’t real-time.
Compliance risks- Due to inconsistent audit trails or outdated reporting.
Field chaos- With agents depending on WhatsApp, paper forms, or patchy tools.
This leads to wasted time, poor borrower experience, and low scalability.
2. Meet Graviton: A Unified Digital Lending Software Platform
Graviton has been purpose-built to eliminate this fragmentation. It’s not just a single tool — it’s an end-to-end digital lending software and operating system for NBFCs and banks.
Whether you're offering personal loans, business loans, gold loans, or running co-lending operations- Graviton adapts to your model with its modular and configurable architecture.
Let’s walk through its core capabilities:
Origination is the heart of lending- but for many NBFCs and banks, outdated processes turn it into a bottleneck. With Graviton LOS, you can accelerate approvals, enhance customer experience, and ensure airtight compliance — all in one platform.
We ensure:
End-to-End Digital Workflow – From application to disbursal, eliminate paperwork with fully digital onboarding, eKYC, and automated verification.
Smart Credit Decisioning – AI-driven scoring, customizable rules engine, and instant eligibility checks for faster turnaround time (TAT).
Regulatory Compliance Built-In – RBI, KYC, AML, and other compliance workflows embedded into every stage of origination.
Seamless Integrations – Plug-and-play with credit bureaus, payment gateways, and third-party APIs for real-time data access.
Role-Based Access & Security – Ensure the right people have the right access, keeping sensitive customer and loan data secure.
With faster approvals, lower operational costs, and the flexibility to handle any loan product, Graviton LOS empowers lenders to process more applications, close more deals, and grow without operational strain.
This eliminates manual verification loops and reduces turnaround time (TAT) by up to 70% without compromising on compliance or credit checks.
You can create rule engines for eligibility, scorecards, and documentation requirements — tailored to your products.
Managing loans after disbursal is where many systems struggle. Graviton LMS is engineered to simplify even the most complex lending operations from EMI schedules to NPAs- while maintaining full compliance and audit readiness.
We ensure:
Tranche-Based Disbursals – Flexible hold, split, or multi-tranche logic with automated ledger mapping.
Advanced Repayment Structures – Grace periods, stepped EMIs, repayment holidays, and broken period interest — all calculated with precision.
NPA & Delinquency Automation – Real-time DPD tracking, automated bucket allocation, and provisioning calculations.
Seamless Auto-Accounting – Every disbursal, repayment, fee, or penalty auto-mapped to GLs in real time.
Full Configurability – Holiday calendars, late fee rules, prepayment logic — all editable without dev intervention.
Comprehensive Reporting – Interactive MIS, balance sheets, and portfolio risk dashboards, ready for audits or API sync.
From co-lending and secured loans to subventions and restructuring, Graviton LMS handles it all, ensuring operational precision, borrower transparency, and scalability without chaos.
Graviton’s mobile app for field agents is a game-changer. Built to work offline and online, it supports:
Key capabilities include:
Verified Visits & Geo-Tagging – GPS and watermarked image capture for fraud-proof borrower verification.
Paperless KYC & Docs – Multi-image-to-PDF conversion, Aadhaar e-sign, and liveness checks for compliance-ready onboarding.
Collections & Receipts – Real-time payment logging with instant digital proof to build borrower trust.
Offline-First Design – Queue uploads and auto-sync when back online, keeping agents productive in low-connectivity zones.
In-App Support & Bug Reporting – Instant tech escalation with system logs, ensuring quick fixes in the field.
From doorstep KYC to collections and servicing, Graviton turns fragmented, error-prone field operations into a seamless, transparent, and scalable process-reducing turnaround times and improving borrower experience.
🔹 Auto Accounting — Accurate Books Without Extra Software
Forget juggling accounting entries manually or exporting data to Tally or Zoho.
Graviton features a fully integrated accounting engine that:
Auto-generates Loan account entries.
Handles interest accruals, disbursals, repayments
Supports multi-GL product mapping
Creates audit-ready financial reports (TB, BS, P&L)
Manages GST, provisioning, overdue classification
With every transaction linked to its source event (loan, payment, charge), your books stay clean and audits become a breeze.
Migrating from outdated or rigid lending systems doesn’t have to be slow, risky, or disruptive. With Graviton, data migration becomes a launchpad for growth — not a roadblock.
We ensure:
Secure, Encrypted Transfers – All customer, KYC, loan, and accounting data migrated with full compliance.
Smart Data Mapping – Automated mapping from 30+ lending platforms, including legacy, in-house, and SaaS systems.
Parallel Run & Sandbox Testing – Live operations continue uninterrupted while data is validated in a safe environment.
Ledger-Level Accuracy – Chart of accounts preservation, reconciliation, and financial compliance baked into every migration.
Role-Based Adoption Support – Post-migration training, 30-day hypercare, and a dedicated success manager for smooth transition.
With audit-ready records, compatibility across diverse platforms, and zero disruption to daily operations, Graviton’s migration framework lets lenders upgrade with confidence and scale without limits.
In lending, numbers tell the story — but only if you can see them in time. Graviton’s MIS Reporting Suite turns raw data into actionable intelligence, giving NBFCs and banks the clarity to act before risks turn into losses.
We deliver:
Full-Stack Reporting – From lender-wise performance to portfolio health, DPD breakdowns, and collection efficiency — all in one place.
Custom Report Builder – Create your own KPIs, filters, and formats without waiting for IT teams.
Regulatory-Ready Outputs – RBI-compliant templates for CIC, insurance, collateral, and NPA reporting — always audit-ready.
Real-Time Data Sync – No waiting for month-end. Get up-to-date MIS on disbursals, sanctions, repayments, and delinquencies.
Visual Insights – Interactive charts, trend analysis, and drill-down capabilities for sharper decision-making.
Cross-Department Views – Single dashboard for credit, collections, accounts, and compliance teams — no data silos.
Graviton’s MIS Reports don’t just keep you informed — they give you the foresight to optimize lending operations, strengthen compliance, and stay one step ahead of the market.
3. The Real Impact:Why Lenders Are Switching to Graviton
Across India, lenders who’ve moved to Graviton are reporting:
a. 50% reduction in time spent on disbursal & follow-ups
b. 70% drop in manual reconciliation and Excel dependency
c. Up to 70% improvement in TAT from login to loan
d. Faster collections with geo-tracked reminders and field tools
e. Better audit compliance and faster book closures
But perhaps the biggest gain is peace of mind — knowing that your teams can rely on one platform, with fewer breakdowns, fewer handoffs, and better service to borrowers.
4. Built for Scale. Designed for You.
Graviton isn’t just another off-the-shelf lending platform — it’s a modular, microservices-powered system engineered to adapt to your growth.
Scales effortlessly to support hundreds of users and process thousands of loans every day.
Cloud-native or on-premise deployment — your choice, your control.
Bank-grade security at every layer.
API-first design for seamless integration with any external system.
Whether you’re a growing NBFC or a bank introducing new loan products, Graviton evolves alongside your ambitions.
5. Final Thoughts: Lending Tech That Actually Works
Graviton isn’t here to disrupt for the sake of buzzwords. It’s built to quietly fix the everyday frustrations of loan operations — while giving you the tools to grow faster, serve better, and remain compliant.
If you’re a lender tired of juggling multiple tools, manual processes, and slow systems — it’s time to rethink how digital lending software should work.
Ready to transform your lending stack? Get a Personalized Graviton Demo.
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