AI Rule Engine
- Automates rule validation per member, loan type & bylaws.
- Blocks over-limit and policy-violating loans instantly.
- Reduces manual checks by 80%.
AI-Powered Loan Management System
- Smarter Lending, Rule-Compliant, Risk-Aware.
At Shradha Techhub Pvt. Ltd, we offer an AI-powered Loan Management System (LMS) designed for cooperative societies.
It streamlines lending, ensures bylaw compliance, and prevents regulatory issues with intelligent automation.
Smart Loan Workflow
- Full digital journey: Application → Approval → Disbursement.
- Auto-generates all necessary documents.
- Enables paperless operations.
Bylaw-Aware Limits
- Set ceilings per loan type or member group.
- Tracks cumulative exposure live.
- AI enforces constraints, no manual effort.
NPA Prevention
- AI predicts defaults before they happen.
- Provides recovery & restructuring alerts.
- Helps reduce NPA ratio sustainably.
Real-Time Dashboards
- Visualize NPAs, CD Ratio, overdue trends.
- Board-ready summaries with AI insights.
- Export and share reports easily.
Compliance-First Design
- Follows State Cooperative & RCS rules strictly.
- Validates loan rules against legal mandates.
- Ensures audit-readiness at all times.
Loan Process Flow with AI-Driven Controls
1
Apply
Submit digital loan request with member details.
2
AI Checks
Smart rules verify data and flag issues.
3
Approval
Instant AI-based loan decisions.
4
Disburse
Funds released, docs auto-generated.
5
Track
Monitor repayments with smart alerts.
Why Choose AI-Enabled Lending?
- Auto-enforces your society’s rules and bylaws
- Reduces board-level lending conflicts
- Protects from audit violations and penalties
- Speeds up lending while keeping it compliant
- Lowers NPAs with early risk detection