powering the future of lending
Transforming credit access with AI powered lending for Banks & NBFC's
VimanoTech is not just a tool, it’s a fully modular platform of intelligent agents, APIs, and deployable solutions that automate every stage of the lending lifecycle. From onboarding and risk assessment to loan disbursal, servicing, and collections, VimanoTech makes it seamless, scalable, and compliant from day one.
why Vimanotech?
A smarter, scalable infrastructure for modern lending
Built for Scale
Infrastructure for High-Volume Lending
Optimized for low-ticket, high-volume loan processing
Capable of handling millions of applications
Keeps operational costs minimal
Indistack Integration
Seamless Government Infra Connectivity
Aadhaar, eKYC, UPI, and DigiLocker integration
Enables smooth, compliant onboarding
Reduces friction in user experience
AI-First Architecture
Automated, Scalable, Profitable
Cuts loan servicing cost by 35%+
AI-driven underwriting and support
Works efficiently at small ticket sizes
Voice + Vernacular AI
Conversational Interfaces for Bharat
12+ Indian languages supported
Designed for Tier 2 & Tier 3 user base
Enhances inclusion via voice assistants
Advanced Security
Regulatory-Compliant Fraud Detection
Video KYC integration
Real-time checks with Aadhaar masking
Fully aligned with India’s regulatory norms
Datashield Z+ Security
Next-Gen Web3 Security Stack
End-to-end encryption & on-chain logs
Zero-trust architecture for all transactions
Tamper-proof data protection across layers
lending that works smarter
From conversion to cost savings, see what VimanoTech delivers.
35%
Failed Mandatory Recovery
Smart retries & LLM-based error handling reduce payment drop-offs
Our system detects failure reasons and re-engages customers automatically. Boost revenue without manual follow-ups.
70%
Higher Conversion
Unlock higher approvals & faster disbursals
AI agents recover drop-offs, reduce friction, and guide users through to disbursal. Say goodbye to abandoned applications, VimanoTech transforms drop-offs into funded loans.
10 min
Loan Disbursal Time
From application to approval, powered by real-time AI agents
Our instant decision engine & intelligent KYC flow eliminate processing delays. Deliver faster than traditional or digital-first lenders.
35%+
Cost Savings Per Loan
Automated underwriting, document verification & support
Vimanotech lowers per-loan costs, enabling profitability even on low-ticket products. Stop wasting manual effort. Start scaling smarter.
The Friction Points We’re Fixing
From access gaps to fraud and inefficiencies, here’s what we’re engineered to solve
1
Access & Inclusion
Many potential customers are excluded due to limited credit history.
2
KYC Verification & Fraud
Lenders face rising threats from sophisticated fraud tactics.
3
Outdated Underwriting Processes
Outdated processes cause delays and inconsistent decisions.
4
Collections & Compliance
Recovery is difficult amidst complex, costly regulations.
products & platforms
A unified stack of smart agents, APIs, and decision engines for secure, modern lending.
Built to Scale. Designed for Trust.
Smart, secure, and scalable, powered by AI-first architecture.
01
Modular AI Agent Stack
A flexible architecture with specialized autonomous agents working together
02
coMPREHENSIVE API NETWORK
Seamless connections to all critical data sources for enhanced functionality.
03
PRIVACY-FIRST DESIGN
Engineered for GDPR, DPDP, and other global privacy standards compliance.
04
REAL-TIME DECISION ENGINE
Enables instant processing & continuous learning through feedback loops.
How We Turn Clicks Into Credit?
An AI-powered flow from interest to instant disbursal, friction-free.
01
Lead & Eligibility
Smart routing runs real-time checks to improve conversion by 15%.
02
offer & kyc
AI assistant detects hesitation and guides users through eKYC smoothly.
03
mandate & verification
LLMs auto-fill uploads and intelligently retry failed mandates.
04
esign & disbursal
Multi-factor authentication ensures secure eSign and real-time disbursal updates.
Our customers
Partnerships built on trust, transparency, and performance.
frequently asked questions
Still wondering how VimanoTech works? Here’s what you need to know.
VimanoTech offers AI-powered infrastructure for lending—automating underwriting, fraud detection, customer verification, and loan decisioning through smart agents and APIs.
We use DataShield Z+, a Web3-powered zero-trust security framework with end-to-end encryption, on-chain audit logs, and no cloud dependency.
Vimano is our plug-and-play API suite that enables real-time access to device risk, credit data, identity checks, and more—designed for fast and secure integration.
Yes! Our deployable modules (like CredForge, MobileForge & PredForge) are built to run securely within your infrastructure—ideal for banks, NBFCs, or regulated environments.
pricing plans
Progressive Slab Calculator Applies
1
STARTER PLAN
For growing fintechs & early-stage lenders
Loan origination fees: 3% of loan amount (Upto Rs. 500 crore per month disbursement)
Initial setup: Rs. 2 crore (one-time)
Access to core platform features
Basic reporting & analytics
Email & chat support
2
SCALE PLAN
For mid-sized lenders & banks scaling operations
Loan origination fees: 2.5% of loan amount (Rs. 500 to 750 crore per month disbursement)
White-label platform license
Advanced analytics & AI automation
Priority support (24/7)
Dedicated account manager
3
ENTERPRISE PLAN
For large institutions & strategic partnerships
Loan origination fees: 2% of loan amount (Above Rs. 750 crore per month disbursement)
Custom pricing for B2B white-label solutions
API integrations & fintech platform customization
AI-driven underwriting & fraud detection
On-site & dedicated success team
OUR PROMISE: We are your growth partner. Whether you start small or scale big, our pricing aligns with your success.
Future expansion & market size
Built for scale with massive addressable markets across multiple lending verticals
Expanding Loan Options
Our platform is built to scale, allowing for the seamless integration of various loan products. Once we mature the product with payday loans, we can add other products
Personal Loans
Auto Loans
Mortages
Secured Loans
Strategic Diversification
By diversifying our offerings, we can cater to a wider audience and increase revenue streams within the consumer market.
Addressable Market
The consumer lending market presents a significant opportunity for growth. Key segments include:
$11 Trillion
$1.4 Trillion
$1 Trillion
$1.7 Trillion
$300 Billion
Market Position
With our AI-powered platform, we are well-positioned to capture a substantial share of this expanding market.
market opportunity
Massive growth potential driven by digital transformation and emerging market dynamics
India's Untapped Credit Demand
$250B+
Significant demand exceeding $250B, fueled by widespread smartphone adoption and a growing middle class seeking financial solutions.
Enabling Trends
Innovation
Rising smartphone usage provides access to alternative data sources for credit assessment, supported by regulatory frameworks promoting innovation.
The $42B Global Personal Loan Market
16% CAGR
A substantial market exhibiting strong growth at a 16% CAGR, with a rapid transition to digital platforms.
Growth of Unsecured Digital Lending Platforms
29% CAGR
Projected CAGR of 29% from 2023 to 2030, expanding from USD 400.1 million to USD 2.38 billion.
