CloudBankin

by Habile Technologies · Chennai, Tamil Nadu

Loan origination and loan management software for NBFCs and lenders with AI agents for underwriting and collections.

CRM software AI tools Insurance, lending & banking CRM AI sales agents & agentic CRMAI poweredMade in India

Starting price: Price on request; No prices published on cloudbankin.com
Free trial / plan: Free trial; Signup form on the website
Deployment: Cloud; Web
App Advisor rating: 4.2; transparency & India fit

What is CloudBankin?

CloudBankin is a low-code digital lending platform from Habile Technologies, sold through LightFi India Private Limited, whose Indian office sits in the Tek Meadows campus on Rajiv Gandhi Salai, Sholinganallur, Chennai. It is aimed at NBFCs, fintech lenders, banks, MFIs, Nidhi companies and credit unions that need a loan origination system (LOS), a loan management system (LMS) and a credit rule engine without building them in-house. The product range also covers co-lending, BNPL, CKYC and real-time credit bureau reporting (CBRealtime).

Its strongest area is India-specific lending plumbing. The LMS handles DPD and SMA-0/1/2 tracking, NPA classification under RBI IRAC norms, provisioning journals, bureau submissions to CIBIL, Equifax, Experian and CRIF, and NACH mandates with bounce handling and auto-reconciliation. GST is calculated as CGST, SGST or IGST on fees and charges, TDS is posted automatically, and co-lending supports the RBI CLM-1 and CLM-2 models with lender-wise ledgers. On the origination side you get CKYC and Video KYC, Aadhaar checks with automatic fallback to CKYC, Account Aggregator bank statement analysis, e-sign and e-stamping on loan agreements, and WhatsApp-based onboarding.

The weak spots are commercial transparency and public proof. No prices are published, only a free-trial signup form that asks for your organisation type, loan product and borrower count. Apart from one testimonial from DigiMoney Finance, the website names almost no customers, and some outcome counters on the LOS page show placeholder zeros. Claims such as go-live in 24 hours and 10-minute disbursal come from the vendor and should be tested in the trial against your own credit policy.

In practice, buying starts with the trial or a demo with the Chennai sales team, followed by a quote. Ask how the price scales (per active loan, per borrower or flat platform fee), what each extra integration costs, and whether you want hosting on AWS, Azure or on-premise, all of which the LMS page says are supported. For a small or mid-size NBFC that needs RBI-style reporting and co-lending without hiring a tech team, it belongs on the shortlist.

What works well

+NPA, SMA and DPD classification follows RBI IRAC norms, with automated provisioning journal entries
+Bureau reporting to CIBIL, Equifax, Experian and CRIF on monthly, fortnightly or custom cycles
+Co-lending supports RBI CLM-1 and CLM-2 models with participation ratios and lender-wise ledgers
+Native NACH mandate handling covers auto-debit, retries, bounce charges and auto-reconciliation via SFTP or API
+API orchestrator falls back to another provider when one fails, for example Aadhaar to CKYC
+Supports many loan types including gold, LAP, BNPL, education, payday and line of credit
+Can run on AWS, Azure or on-premise, which helps lenders with data residency rules

What to watch out for

−No public pricing at all, so cost comparison needs a sales conversation
−Very few named customers on the website beyond a single DigiMoney Finance testimonial
−Some marketing claims like 24-hour implementation and 10-minute disbursal are vendor statements only
−Most of the 50+ external API services the orchestrator connects to are not named publicly
−WhatsApp notifications in the LMS need a separate integration rather than working out of the box

Best suited for: Small and mid-size NBFCs that need LOS, LMS and RBI-style reporting in one system · Fintech lenders and BNPL players launching digital loan products quickly with low-code workflows · Lenders entering co-lending partnerships with banks under CLM-1 or CLM-2 · Gold loan and LAP lenders that need collateral and LTV tracking

CloudBankin at a glance

Analysing CloudBankin — pricing, features, reviews and alternatives…

Generated by App Advisor's native engine from this listing's verified data — not a paid placement.

CloudBankin features

Researched from CloudBankin's official product pages · updated October 2026.

Loan origination

Low-code workflow builder with real-time workflow edits
Multi-channel onboarding: branch, self-service portal, mobile app and WhatsApp
Co-borrower and guarantor management with income evaluation
Bank statement analysis via PDF, net banking or Account Aggregator
Document generation: KFS, sanction letter, loan agreement with e-sign and e-stamp

Credit decisioning and KYC

Credit rule engine with straight-through processing and manual review
Probability of Default scoring
CKYC, Video KYC, deduplication and blacklist screening
Face match, liveness detection and bank account verification
Fraud monitoring of failed verification attempts

Loan management

Fixed, floating, flat and declining interest; EMI, bullet and moratorium structures
Single, tranche or milestone-linked disbursement
Rescheduling, part payment, foreclosure simulation and settlements
Collections by UPI, NACH, bank transfer and cash
Collateral, LTV monitoring and partial release

Compliance and accounting

DPD, SMA and NPA classification per RBI IRAC norms
Provisioning by asset class with automated journals
CGST, SGST, IGST and TDS calculation with invoices and credit notes
GL mapping, trial balance, P&L, balance sheet and end-of-day automation
Credit bureau submissions to four bureaus

Security and administration

Role-based access, maker-checker approvals and MFA
Masking of PAN, Aadhaar and bank details
Encryption at rest and in transit, OAuth 2.0 API security
Audit logs, backups and disaster recovery

AI capabilities

AI agents listed for PD scoring, credit underwriting, fraud detection and risk monitoring
Document intelligence and repayment prediction agents
Collections and cross-sell/upsell agents
A virtual assistant for loan applications

CloudBankin pricing (INR)

Source

Every edition as published by the vendor · free trial: Free trial offered through a signup form; terms not published. Prices exclude GST unless stated. Full CloudBankin pricing breakdown

• CloudBankin does not publish plans or prices. The free-trial form asks for organisation type, product type and number of borrowers, which suggests pricing is quoted on the scale of the loan book.
• Sales enquiries in India go to +91 9080996606 or salesteam@cloudbankin.com.
• GST treatment of the subscription is not stated on the website.

Buying for a team? App Advisor can get you a volume quote and any partner discount available.

Implementing CloudBankin

Source

Ways to implement

Cloud on AWS or Azure
On-premise

Vendor claims implementation in as little as 24 hours for the low-code LOS

1Free trial or demo
2Loan product configuration in the product master
3Credit rule and workflow setup
4Integration with KYC, bureau, payment and core banking services
5Data migration from LOS into the LMS via APIs

Need a certified partner in India to set up CloudBankin?Implementation help

Integrations, security & India

Integrations

CKYC
Aadhaar verification
CIBIL
Equifax
Experian
CRIF
Account Aggregator
e-NACH
UPI
Google Analytics

Security & compliance

ISO/IEC 27001:2022 compliance stated on the LOS page
VAPT certification from a CERT-In empanelled auditor
Encryption at rest and in transit; tenant-based isolation
Masking of PAN, Aadhaar and bank account details

For Indian businesses

Indian entity LightFi India Private Limited is based at Tek Meadows, Sholinganallur, Chennai 600119
Bureau reporting to CIBIL, Equifax, Experian and CRIF, and NPA classification per RBI IRAC norms
Supports RBI co-lending models CLM-1 and CLM-2
Collections via UPI and NACH mandates; KYC via CKYC, Aadhaar and Video KYC
Security audit by a CERT-In empanelled auditor

Support, resources & partner network

Support & learning

Help portal at wiki.cloudbankin.com
Sales phone +91 9080996606
Email salesteam@cloudbankin.com

Loan Origination System Loan Management System NBFC Software Help portal

Trust, compliance & who uses CloudBankin

Certifications & compliance

ISO/IEC 27001:2022 Source
RBI IRAC norms (NPA classification) — Supported in the LMS Source
RBI co-lending CLM-1 and CLM-2 Source

Each claim links to the vendor's own published statement. Always confirm current certificate validity directly with the vendor.

Is CloudBankin the best choice for you?

Best choice if you are…

Small and mid-size NBFCs that need LOS, LMS and RBI-style reporting in one system
Fintech lenders and BNPL players launching digital loan products quickly with low-code workflows
Lenders entering co-lending partnerships with banks under CLM-1 or CLM-2
Gold loan and LAP lenders that need collateral and LTV tracking

Look elsewhere if you are…

Businesses looking for a general sales CRM rather than a lending system
Buyers who need published price lists before a demo

Still comparing? Get an unbiased shortlist and demos arranged for free.

Sources (5) · updated October 2026

Specifications

Category: CRM software, AI tools, Insurance, lending & banking CRM, AI sales agents & agentic CRM
Vendor: Habile Technologies
Headquarters: Chennai, Tamil Nadu
Founded: Not published
Pricing model: Quote-based
Starting price: On request
Deployment: Cloud
Platforms: Web
Best for: Mid-market, Enterprise
Made in India: Yes

Free plan

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CloudBankin — frequently asked questions

What does CloudBankin cost in India?+

CloudBankin does not publish prices on its website. You fill in a trial form with your organisation type, loan product and borrower count, and the sales team in Chennai sends a quote. Ask whether pricing is per active loan, per borrower or a flat platform fee, and whether GST at 18% is added on top, because the site does not state it.

Does CloudBankin have a free trial?+

Yes. CloudBankin offers a free trial through a signup form on its homepage, though the length and limits of the trial are not published. Use the trial to configure one real loan product, run your own credit rules and check the KFS and sanction letter output before committing to a contract.

Is CloudBankin an Indian company?+

CloudBankin is built by Habile Technologies and sold by LightFi India Private Limited, whose Indian office is at Tek Meadows, Rajiv Gandhi Salai, Sholinganallur, Chennai. The group also has offices in Wilmington, Delaware and Ho Chi Minh City, Vietnam, but the product is designed around Indian lending rules such as RBI IRAC norms, CKYC and NACH.

Does CloudBankin support RBI compliance for NBFCs?+

CloudBankin's LMS classifies loans into DPD buckets, SMA-0/1/2 and NPA stages following RBI IRAC norms, creates provisioning journal entries, and submits data to CIBIL, Equifax, Experian and CRIF. It also supports the RBI co-lending models CLM-1 and CLM-2. You should still confirm your specific regulatory returns with the vendor during the demo.

Which KYC and payment integrations does CloudBankin have?+

CloudBankin's origination system lists CKYC, Video KYC, Aadhaar verification, PAN, face match and liveness checks, plus Account Aggregator for bank statements. Repayments can be collected by UPI, NACH mandates, bank transfer and cash. Its API orchestrator switches to an alternate provider when one service fails, such as moving from Aadhaar to CKYC.

How long does CloudBankin take to set up?+

CloudBankin claims its low-code loan origination system can go live in as little as 24 hours, and that disbursal can happen within 10 minutes of application. These are vendor claims. A realistic NBFC rollout with data migration, bureau and NACH integration and staff training usually takes longer, so ask for a written project plan.

Is data safe in CloudBankin?+

CloudBankin states ISO/IEC 27001:2022 compliance and VAPT certification from a CERT-In empanelled auditor. It encrypts data at rest and in transit, masks PAN, Aadhaar and bank details, uses role-based access with maker-checker and MFA, and keeps audit logs. Lenders can also host it on AWS, Azure or on-premise.

Can CloudBankin handle gold loans and co-lending?+

Yes. CloudBankin lists gold loans, loan against property, BNPL, education, payday, vehicle and business loans among supported products. For gold loans with several items, one collateral can be released at closure with LTV recalculated automatically. Co-lending handles participation ratios, escrow settlement and lender-level NPA tracking.

CloudBankin vs building an in-house lending system: which is better?+

For most small and mid-size NBFCs, CloudBankin is quicker and cheaper than building in-house, because CKYC, bureau reporting, NACH, GST and IRAC classification already exist. Building yourself makes sense only if you have an engineering team and very unusual products. Compare CloudBankin with other Indian LOS and LMS vendors on price and references before signing.

What is CloudBankin?+

CloudBankin is crm software by Habile Technologies, an Indian company from Chennai. Loan origination and loan management software for NBFCs and lenders with AI agents for underwriting and collections.

How much does CloudBankin cost?+

CloudBankin is priced on request. Request a demo through App Advisor and we will ask the vendor for a written quote.

Does CloudBankin offer a free trial or free plan?+

CloudBankin does not advertise a free plan; ask the vendor for a trial or a guided demo.

Is CloudBankin made in India?+

Yes. CloudBankin is built by Habile Technologies, headquartered in Chennai, Tamil Nadu.

Who is CloudBankin best suited for?+

CloudBankin suits mid-market, enterprise buyers looking for crm software with ai tools and insurance, lending & banking crm and ai sales agents & agentic crm.

What are the best alternatives to CloudBankin?+

Popular alternatives in crm software include Zoho CRM, Freshsales, LeadSquared. Use App Advisor's compare tool to see them side by side.

How is CloudBankin deployed?+

CloudBankin is available as a cloud (SaaS) product, with web access.