The Era of Digitalization

Upcoming with E-Nach

Auto Dialer

Networking

Vehicle Valuation Application

LOS – Loan Origination System

Laxmi Mitra (Referral- App)

Time Labs

M- Collection

End point security
AIMS Application of Asset and Inventory Management

- Activation of NACH in less than 48 hours reduction from 15 days to 2 days.
- Least manual intervention , improve higher accuracy with minimal cost.
Vehicle Valuation Application
- Vehicle Valuation in less than 2 hrs.
- Real time valuation application.
- Least manual intervention with higher accuracy.
LOS – Loan Origination System
- Very soon we are coming with LOS which will be based upon mobile and can help in reducing TAT and moved towards next level of Digitalization .
Time Labs
- Geo Tagging
- Mobile based attendance application software.
- Real time access to Pay slip, Reimbursement of expenses and download form 16 A.
Auto Dialer
- Customer get the auto reminder call for every EMI’s.
- Reminder is send in Text message by this application.

Upcoming with IT Portal & Asset tracking application
- Developing a new web based IT portal for addressing IT related quires.
- Application for Asset Tracking will be live till March 2020.
Networking
- Company is having 84 branches across Rajasthan & Gujarat all are over networking.
- Branches can access accounting software Jaguar on real time basis to extract customer SOA and other details.
Laxmi Mitra (Referral- App)
- Soft Launching of referral application.
- Lead generation with least cost.
- Real time tracking of file process.
- Available of Google play store for android application.
M- Collection
- This application give a real time Collection receipt by a mobile operated thermal printer to customer.
- Collection executives have to put loan account number into the application and application fetches the data of the respective customers and generates a print.
End point security
- Remote computing device will communicates back and forth with a network to which is it connected.
- Moving to the ERA of Digital Security/ Data Security.
Way Forward
- Utilisation of data collected from multiple sources in order to improve our decision making
- Collection receipts extracted from M- Collection Machine on real time basis.
- E- KYC, CIBIL , Aadhar data fetching capability
- Integration with Loan Management System (LMS)
- Preparation of Budget & Monthly MIS
- Real time updation of our web site
- Templating most of the credit situations
- Improving underwriting efficiency
- Increasing Team Size with more experienced staffing.

- “Jaguar 360” for Accounting and “Times Lab” for HRMS.
- Daily MIS to all Collection Executives
- Potential to improve asset quality
- Helps RO to filter leads to improve probability of conversion.
- Tracking leads and proper follow- up for conversion
- In-Depth analysis of the new geography along with the products and the behavioral pattern of the borrower residing in that area.


































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