Paper forms. Branch visits. Phone calls for status updates. That was the reality for members of the National Pension & Provident Fund (NPPF).
Eligibility checks took 1-3 days. Guarantor validation was a manual nightmare. And if a member had less than two years of service? More delay.
We changed all that.
We built a customer-facing digital lending web portal on Frappe (for LOS and collections), sitting on Finacle CBS, integrated with Newgen DMS.
Here’s what members experience now:
- NDI-based biometric login (CID/OTP verification) – no more paperwork
- Real-time EMI simulator – try different loan amounts, see payments instantly
- Auto-fetched member data from existing systems (Premia, Finacle)
- Conditional guarantor handling – if service <2 years, the system automatically requires and validates guarantor against fund records
- Status updates (Under Review, Approved, Rejected) pushed to the portal in real time
The before vs. after
| Process | Before | After |
| Application | Branch visit & forms | 24/7 online self-service |
| Eligibility check | 1-3 days | Instant |
| Document submission | Physical copies | Digital upload + DMS tagging |
| Approval notification | Calls / post | Real-time in-app alerts |
What your organization can get
Zero-friction identity. Self-service loan management. Automated document tagging. End-to-end loan lifecycle automation with real-time status.
Worried about deepfake fraud? (It’s up over 2,000% since 2021 – yes, from our docs). Our biometric and metadata tagging layers help keep you safe.
Ready to turn your member portal from a pain point into a competitive advantage? Let’s map your member journey and phase a pilot – ROI within 60-90 days of go-live.
