Digital Lending Platform
Manam Lendee™Application to cash in minutes.
Lendee compresses the lending lifecycle end to end: apply online, decision in minutes, disburse instantly. Use ready-made products — Micro, Mobile, Personal, Buy Now Pay Later, Retail, Farmer, and Dairy Loans — or create your own, covering every segment from supply-chain credit to financial inclusion, with collections and CRB utilities built in.
Priya Nair
APP-09F2-44C1
Disbursed
₹ 2,50,000
Time to cash
4 min
Automated credit scoring
Score applicants across an unlimited number of data sources and parameters — alternative data included.
Limits & underwriting
Configurable limit calculators and policy engines auto-decision low-risk applicants and route the rest for review.
Collections & follow-ups
Automated reminders, restructuring, outbound calls, and recovery workflows that protect the book.
BI & CRB utilities
Built-in business intelligence and credit-reference-bureau utilities for reporting and compliance.
Capabilities
Everything a modern lender needs
One platform automates the full lending lifecycle — from the first credit decision to the last collection.
Credit Scoring
Score applicants across an unlimited number of data sources and parameters — alternative data included.
Limits & Underwriting
Configurable limit calculators and policy engines auto-decision low-risk applicants instantly.
Instant Disbursement
Funds released straight to accounts and wallets the moment a loan is approved.
Collections & Follow-ups
Automated reminders, restructuring, and AI outbound calls that protect the book.
Business Intelligence
Built-in dashboards and reporting across origination, risk, and portfolio performance.
CRB Utilities
Credit-reference-bureau integration and utilities for reporting and compliance.
The Lendee Family
A lending product for every borrower
Full-lifecycle inclusion, supply-chain retail credit, micro-loans, credit scoring, and savings — all on one automated lending core.
Grow Full-lifecycle lending.
End-to-end onboarding, lending, and servicing across the full customer lifecycle — built for financial inclusion at scale.
Banks · MFIs · Inclusion lenders
Retail Stock more. Sell more. Earn more.
Supply-chain credit that integrates supplier data, scoring, and bank limit calculators — with commission sharing across stakeholders.
Distributors · Retailers · Lenders & banks
Micro Micro-loans, instantly.
Configurable micro-loan products for every category of customer — fast, automated, and responsibly priced.
MFIs · Digital lenders · Wallets
Score Credit scoring, unlimited inputs.
A credit-scoring engine that decisions on an unlimited number of data sources and parameters — alternative data included.
Any lender · Bureaus · Banks
Save Savings, built in.
Goal-based and flexible savings products that bring more customers into the formal financial system.
Banks · Neo-banks · Wallets
Built for institutions
Secure, compliant, and ready to deploy anywhere
Every Manam platform shares the same foundation — so whichever you start with, the guarantees are the same.
Security
End-to-end encryption, device binding, and Digital ID — bank-grade security across every channel and service.
Fraud Detection
Continuous, AI-assisted monitoring that detects and blocks fraud in real time, before it lands.
Deploy Anywhere
Cloud, on-premise, or hybrid — platform-independent and ready for regulated, air-gapped environments.
Compliance
Auditable, explainable, and standards-aligned — every action logged for regulators and leadership.