Mannjal provides a modular lending orchestration platform that connects banks, NBFCs, MFIs, business correspondents and loan service providers in a single collaborative environment. The solution digitizes loan application intake, automates data validation with third‑party sources and AI agents, and enforces real‑time policy compliance through a configurable business‑rules engine, enabling faster sanction and disbursement of priority‑sector credit while maintaining audit‑ready security and compliance.
Funding
Funding not disclosed
Founders
Product
Problem
Credit providers in India often struggle with fragmented processes, manual data handling, and lack of trust between originators, lenders, and guarantors, leading to slow loan approvals, high operational costs, and limited reach to priority‑sector borrowers.
Solution
Mannjal offers a modular, compliant lending orchestration platform that connects banks, NBFCs, MFIs, business correspondents and other financial partners in a single collaborative environment. The platform digitizes application intake, automates data validation through third‑party sources and AI agents, and standardizes loan files for multiple lenders. Real‑time policy engines flag deviations and guide decision‑making, while role‑based access and audit‑ready logs ensure security and regulatory compliance. By enabling low‑code workflow configuration and AI‑ready architecture, Mannjal accelerates sanction and disbursement times, expands product rollout for priority‑sector loans, and improves asset quality for all participants.
Target Audience
Primary customers are banks, NBFCs, MFIs, business correspondents and loan service providers (LSPs) seeking to originate, service, guarantee, or securitize priority‑sector credit such as MSME, agricultural, affordable housing, and ESG‑linked loans.
Features
- End‑to‑end collaborative workflow with program‑level task management and TAT tracking
- Unified messaging interface linked to applications for efficient query resolution
- Large file handling (200 MB+) with unified navigation across documents and data
- Multi‑source data ingestion (mobile apps, APIs, various file formats) and validation via third‑party providers and AI agents
- Auditable business‑rules engine that acts as a co‑pilot, providing real‑time policy deviation alerts and automated workflow actions
- Configurable MIS dashboards, scheduled reporting, and escalation triggers
- Role‑based and ring‑fenced access controls, with audit‑ready logging of all actions
- Scalable, decentralized architecture supporting low‑code customization, AI/LLM integration, data localisation, and encryption at rest and in transit