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Starts at
₹800/mo
Finezza
by Finezza · Navi Mumbai, Maharashtra
Lending lifecycle platform for banks and NBFCs with loan origination, loan management and collections.
- Starting price
- ₹1.5 lakh/month
- Up to ₹5 lakh/month by volume and modules
- Free trial / plan
- No free plan
- 15-minute demo on request
- Deployment
- Cloud
- Web
- App Advisor rating
- 4.2
- transparency & India fit
What is Finezza?
Finezza says its SaaS subscription costs ₹1.5 lakh to ₹5 lakh a month, depending on loan volume, modules and integration work. Implementation is billed on top. That price makes it a serious purchase for NBFCs, small finance banks and fintech lenders, not a tool for a small money-lending business. As loan management software for NBFCs in India, it covers the full loan lifecycle: origination, servicing, collections and regulatory reporting. Finezza is based in Navi Mumbai and has an office in Bengaluru.
The loan origination system pulls credit data from CIBIL, Experian, CRIF High Mark and Equifax. It reads KYC documents, payslips and bank statements with OCR, and builds a borrower view from GST, ITR and bureau data. A rules engine then approves, declines or sends each case to an underwriter, based on score cut-offs, DTI and LTV caps, pin-code rules and dedupe checks. Finezza says this cuts approval time from 5-6 days to 18-24 hours. The loan management system handles term loans, overdrafts, revolving lines, LAP, gold loans and microfinance. Repayments can be daily, weekly, fortnightly or monthly, and payments come in by NACH, eNACH and UPI.
Co-lending is where Finezza puts the most detail. Each partner bank or NBFC gets its own ledger, interest rate, fee split and NPA classification. Collections are split automatically by partnership ratio, and new terms apply only to loans disbursed after the change. RBI reporting covers NBS returns, CRILC and ALM, with maker-checker controls and full audit trails. The collections module assigns cases by geography and workload, creates calling lists ranked by overdue amount, and sends payment links. Named clients include Profectus Capital, Suryoday, Kredit Venture and Gromor Finance.
Be careful with some claims. The origination page calls the platform 100% SaaS but also offers self-hosting in your own cloud account. Ask which model your quote covers. It quotes 2-4 weeks for a cloud go-live and 4-6 weeks in general. Plan for longer if you have core banking or account aggregator integrations. There are no independent review listings or app-store pages to check, so ask for two reference lenders of your size.
What works well
- +Pricing range of ₹1.5-5 lakh a month is stated openly on the origination page
- +Co-lending supports separate ledgers, rates and NPA classification for each partner lender
- +Rules engine handles DTI and LTV caps, pin-code limits, dedupe and blacklists
- +Integrations with all four Indian credit bureaus and the account aggregator framework
- +Automated RBI reporting templates for NBS returns, CRILC and ALM
- +New loan products can be configured without code, which Finezza says takes about 2 hours
- +States AES-256 encryption at rest, TLS 1.3, MFA and ISO 27001 certification
What to watch out for
- −Entry price of ₹1.5 lakh a month is too high for small lenders and cooperatives
- −Implementation services are billed on top of the subscription and are not priced publicly
- −The site describes the platform as both 100% SaaS and self-hostable, so you need to confirm the deployment model
- −No independent ratings on G2, Capterra or app stores to check customer experience
- −The collections page gives little detail on mobile apps or integrations with field-collection tools
Best suited for: NBFCs and small finance banks looking for loan management software for NBFCs in India · Lenders running co-lending partnerships with banks that need split ledgers and partner-wise reports · MSME and supply chain lenders that rely on GST, bank statement and anchor-dealer data · Fintech lenders that want an API-first origination and servicing stack
Finezza at a glance
Analysing Finezza — pricing, features, reviews and alternatives…
Generated by App Advisor's native engine from this listing's verified data — not a paid placement.
Finezza features
Researched from Finezza's official product pages · updated October 2026.
Loan origination
- OCR for KYC documents, payslips and financial statements
- Bank statement analysis and proprietary credit scoring
- Borrower view built from GST, ITR and bureau data
- Business rules engine for auto-approve, auto-decline or manual review
- Fraud flags for suspicious transactions and document mismatches
- DSA commission tracking
Loan management
- Term loans, overdrafts, revolving credit, LAP, gold and microfinance loans
- Daily, weekly, fortnightly or monthly repayment schedules with moratoriums
- NACH, eNACH, cheque and UPI collections with automatic reconciliation
- Configurable payment waterfall across principal, interest, fees and charges
- Restructuring, waivers, settlements, write-offs and provisioning
Co-lending
- Rule-based routing of applications to partner banks and NBFCs
- Separate accounting, rates and fees for each partner
- Automatic split of each EMI by partnership ratio
- Partner-wise NPA classification and MIS dashboards
- Collateral tracking by partner share
Collections
- Calling lists ranked by overdue amount and customer profile
- Rule-based case assignment by geography, skill and workload
- Custom payment links for overdue borrowers
- Round-the-clock collection MIS dashboards
- Handover from servicing to collections inside the LMS
Compliance & reporting
- RBI reporting templates for NBS returns, CRILC and ALM
- Automated credit bureau reporting
- Maker-checker controls and full audit trails
- Alerts for borrower concentration and LTV limits
- BI integration and dashboards
AI capabilities
- AI-driven credit analysis and predictive scoring
- Fraud detection on transactions and documents during applications
- AI-assisted prioritisation of collection workflows
Finezza pricing (INR)
SourceEvery edition as published by the vendor. Prices exclude GST unless stated. Full Finezza pricing breakdown
SaaS subscription
₹1.5 lakh - ₹5 lakh/month
Monthly subscription; implementation billed separately
- Price depends on loan volume, modules and integration complexity
- Choice of LOS, LMS, collections and reporting modules
- 99.9% uptime SLA and daily backups with point-in-time recovery
- Heavy customisation may cost extra
- • Finezza's origination page FAQ gives the ₹1.5 lakh to ₹5 lakh a month range. It also says implementation services are billed separately.
- • There is no free trial. The website offers a 15-minute demo.
- • The site doesn't say whether GST is included in the quoted range.
Buying for a team? App Advisor can get you a volume quote and any partner discount available.
Implementing Finezza
SourceWays to implement
- SaaS on Finezza's cloud
- Self-hosted in the lender's private cloud or cloud account
2-4 weeks for cloud deployment; 4-6 weeks in general, according to Finezza
- 1Configure loan products and repayment rules
- 2Activate bureau, eKYC, banking and payment connectors
- 3Set up approval matrices and maker-checker roles
- 4Onboard co-lending partners and their rules
Need a certified partner in India to set up Finezza?Implementation help
Integrations, security & India
Integrations
- CIBIL
- Experian
- CRIF High Mark
- Equifax
- Aadhaar eKYC (KUA)
- NSDL
- DigiLocker
- CKYC
- Digio
- Signzy
- IDfy
- Account Aggregator
- GST Network
- NACH / eNACH
- Razorpay
- Paytm
- PhonePe
- Google Pay
- ICICI Bank API
- IDFC FIRST Bank API
- Tally
Security & compliance
- AES-256 encryption at rest and TLS 1.3 in transit
- Role-based access and multi-factor authentication
- ISO 27001 certification stated on the origination page
- 99.9% uptime SLA, daily automated backups, point-in-time recovery and disaster recovery
For Indian businesses
- Headquartered in CBD Belapur, Navi Mumbai, with an office on Outer Ring Road, Bengaluru
- Built-in RBI reports including NBS returns, CRILC, ALM and NPA classification
- Connects to CIBIL, CRIF High Mark, Experian and Equifax, plus Aadhaar eKYC, CKYC and DigiLocker
- Collects repayments through NACH, eNACH and UPI, and uses GST Network and Account Aggregator data for underwriting
- Displays Startup India recognition (DIPP49802) and logos of DLAI and Sahamati, the account aggregator body
Support, resources & partner network
Support & learning
- Phone: +91 22458 08367
- Email: contactus@finezza.in
- 15-minute product demo on request
Trust, compliance & who uses Finezza
Certifications & compliance
- ISO 27001 — Stated by Finezza on its LOS page Source
- RBI Digital Lending Guidelines (2022) — Finezza says the LOS supports these guidelines Source
Each claim links to the vendor's own published statement. Always confirm current certificate validity directly with the vendor.
Customers named by the vendor
Profectus CapitalSuryodayKredit VentureGromor FinanceFinaleapMetafinHFS
Is Finezza the best choice for you?
Best choice if you are…
- NBFCs and small finance banks looking for loan management software for NBFCs in India
- Lenders running co-lending partnerships with banks that need split ledgers and partner-wise reports
- MSME and supply chain lenders that rely on GST, bank statement and anchor-dealer data
- Fintech lenders that want an API-first origination and servicing stack
Look elsewhere if you are…
- Individual money lenders and small chit or finance firms with a few hundred loans
- Banks that need a full core banking system, since Finezza connects to core banking but does not replace it
Still comparing? Get an unbiased shortlist and demos arranged for free.
Sources (4) · updated October 2026
Finezza screenshots
Specifications
- Category
- CRM software, Insurance, lending & banking CRM
- Vendor
- Finezza
- Headquarters
- Navi Mumbai, Maharashtra
- Founded
- Not published
- Pricing model
- Quote-based
- Starting price
- On request
- Deployment
- Cloud
- Platforms
- Web
- Best for
- Mid-market, Enterprise
- Made in India
- Yes
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Finezza — frequently asked questions
What is Finezza's price in India?+
Finezza says its SaaS subscription costs ₹1.5 lakh to ₹5 lakh a month. The price depends on loan volume, the modules you take and how complex your integrations are. Implementation services are billed separately, and heavy customisation can cost more. The site doesn't say whether GST is included, so ask for it in the quote.
Does Finezza offer a free trial?+
No. Finezza has no free plan or self-serve trial. You book a 15-minute demo on its website, and the team scopes a deployment for your loan products. For a lending system that links to bureaus and bank APIs, a scoped pilot on one product is the practical way to test Finezza.
Is Finezza suitable for NBFC loan management?+
Yes, NBFCs are Finezza's main market. The loan management system handles NPA classification, provisioning, restructuring, waivers and write-offs. It also produces RBI reports such as NBS returns, CRILC and ALM. Finezza says its origination system follows the RBI digital lending guidelines of 2022. It suits lenders who handle hundreds or thousands of loan applications a month.
Does Finezza support co-lending?+
Yes. Finezza gives each partner bank or NBFC its own ledger, interest rate, fees and NPA classification. It splits every EMI by the partnership ratio and tracks collateral by each partner's share. New terms apply only to loans disbursed after the change date. You can add new partners in days, Finezza says.
Which credit bureaus and KYC services does Finezza integrate with?+
Finezza connects to CIBIL, Experian, CRIF High Mark and Equifax. For identity checks, it supports Aadhaar eKYC, PAN and Voter ID validation, CKYC, DigiLocker, NSDL, Digio, Signzy and IDfy. For underwriting data, it also uses the GST Network, the Account Aggregator framework and bank APIs from ICICI, IDFC and others.
How long does Finezza take to implement?+
Finezza says a cloud deployment takes 2-4 weeks, and MSME-focused NBFCs need about 3 weeks, including GST integration. Its general estimate is 4-6 weeks. You can configure a new loan product in about 2 hours without code. Plan for more time if you need core banking or custom integrations.
Is Finezza cloud-based or on-premise?+
Finezza runs as SaaS, and its origination page also offers self-hosting in your own private cloud or cloud account. The same page calls the platform 100% SaaS, so confirm in writing which model your contract covers. The SaaS option comes with a 99.9% uptime SLA and daily backups.
How secure is Finezza?+
Finezza says it encrypts data at rest with AES-256 and in transit with TLS 1.3. It also says it uses role-based access and multi-factor authentication, and holds ISO 27001 certification. Its loan system keeps maker-checker controls and audit trails for RBI inspections. Ask for the ISO certificate and recent audit reports during procurement.
Finezza vs Finflux and Lentra: how do they compare?+
Finezza compares itself directly with M2P-Finflux, Synoriq, OneFin and Lentra, and leads on no-code product setup and co-lending depth. Unlike many rivals, it publishes a price range of ₹1.5-5 lakh a month. Run your actual loan products and partner arrangements through each demo before you choose a vendor.
Does Finezza have a mobile app?+
Finezza says it offers mobile apps for field staff who do borrower assessments and collect documents, and a mobile-friendly dashboard for approvals during field visits. We found no public Play Store or App Store listing. Ask the sales team how the apps are distributed and whether they work offline.
What is Finezza?+
Finezza is crm software by Finezza, an Indian company from Navi Mumbai. Lending lifecycle platform for banks and NBFCs with loan origination, loan management and collections.
How much does Finezza cost?+
Finezza is priced on request. Request a demo through App Advisor and we will ask the vendor for a written quote.
Does Finezza offer a free trial or free plan?+
Finezza does not advertise a free plan; ask the vendor for a trial or a guided demo.
Is Finezza made in India?+
Yes. Finezza is built by Finezza, headquartered in Navi Mumbai, Maharashtra.
Who is Finezza best suited for?+
Finezza suits mid-market, enterprise buyers looking for crm software with insurance, lending & banking crm.
What are the best alternatives to Finezza?+
Popular alternatives in crm software include Zoho CRM, Freshsales, LeadSquared. Use App Advisor's compare tool to see them side by side.
How is Finezza deployed?+
Finezza is available as a cloud (SaaS) product, with web access.
Guides that mention Finezza
About Finezza
Finezza · Navi Mumbai, Maharashtra · 1 product in our catalogue · Indian company
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