AI-Powered · Built by Bankers · Since 2022

Digital Banking
at the Speed of
SprintMoney

The next-generation white-label SaaS platform empowering Indian banks and financial institutions with AI-driven CRM, Wealth Management, Insurance, and Secured Lending solutions.

Explore Platform
130+
Years Banking Experience
20+
Partners
100%
BFSI Regulatory Compliant
24/7
Cloud Uptime SLA
SprintCRM — Live Dashboard
₹248 Cr
↑ 18.4%
Monthly AUM Growth
New Leads
1,240
Conversion
68.2%
SIP Active
3.8K
130+ Years Banking Experience
20+ Partners
100% BFSI Compliance
99.9% Uptime SLA
DPIIT #137279
VAPT Certified
5+ Modules
130+ Years Banking Experience
20+ Partners
100% BFSI Compliance
99.9% Uptime SLA
DPIIT #137279
VAPT Certified
5+ Modules
About SprintMoney

Built by bankers.
For bankers.

Wildflower Business Services Pvt Ltd — a DPIIT-recognised startup since 2022 — delivers the digital stack Indian financial institutions have always needed.

To empower financial institutions through cutting-edge, white-labeled SaaS digital solutions that drive innovation, enhance efficiency, and deliver exceptional customer experiences.

DPIIT #137279MSME CertifiedAMFI ARN 150601India
0+
Years collective banking experience
0+
Partners across India
0%
BFSI regulatory compliance
0+
Integrated product modules
AI at the core
🤖
Recommendation Engine
Institution-controlled AI surfaces the right product to the right customer at the right moment.
📊
Predictive Cross-Sell
Propensity models built on transaction history, demographics, and behavioural signals.
⚡
Real-time Decisioning
Sub-200ms AI scoring for loan eligibility, risk flags, and investment suitability checks.
Product Portfolio

Six modules. One platform.
Your bank's branding.

Core Platform
🏦
SprintCRM
AI-enabled banking CRM with 360° customer intelligence, leads management, and performance dashboards — built for BFSI.
  • Social media lead integration
  • Customer & family group 360°
  • Sales targets & RM portfolios
  • Telephony & TAT monitoring
  • AI cross-sell analytics
Explore SprintCRM in detail →
Wealth
📊
Digital Wealth Suite
End-to-end mutual fund platform with AIFs, PMS, digital KYC, and AI portfolio analytics under your bank's ARN.
  • BSE Star & AMC integrations
  • AI fund recs by risk profile
  • Real-time NAV & CAS
  • DIY + RM-assisted journeys
Explore Digital Wealth Suite →
Insurance
🛡️
Digital Insurance Suite
Multi-insurer Life, Motor, Health & Group — lead to policy issuance with full IRDAI compliance.
  • Multi-quote comparisons
  • IRDAI registers & reports
  • Commission automation
Explore Insurance Suite →
Lending
💳
Loan Management System
Full lifecycle LMS — loan origination, disbursement, collateral management, NPA monitoring, and financial reporting for banks & NBFCs.
  • Automated DPD & NPA classification
  • Collateral & security management
  • Co-lending & portfolio transfers
  • Billing, taxation & reconciliation
Explore LMS in detail →
CRM
👥
Relationship Management
Map customers to RMs, group under family structures, track product holdings with live dashboards.
  • RM-to-customer mapping
  • Family group consolidation
  • Performance monitoring
Platform
⚡
Why SprintMoney?
✓One stop shop
✓Bank controls its own data
✓Low-code / no-code deploy
✓Mobile-first for sales teams
✓White-labelled branding
Products › SprintCRM
Core Platform Module

SprintCRM
Banking Intelligence

The AI-powered banking CRM that gives every relationship manager a 360° customer view, smart leads, omni-channel workflows, and real-time performance intelligence — purpose-built for BFSI.

🏦 Sprint
CRM
👥
Customer 360°
📱
Social Media
🎯
Smart Leads
🤖
AI Analytics
📊
Performance
🔄
Cross-Sell
💬
Service
🔗
Omni Channel
360°
Customer view across all products
100%
BFSI regulatory compliance
5+
Omni-channel integrations
AI
Powered cross-sell engine
Core Capabilities

Everything your bank needs
in one CRM platform

👥
Customer 360°
Complete view of every customer and their family group across all products — deposits, loans, investments, and insurance — in a single screen.
📈
Smart Leads Management
AI-powered lead allocation and lifecycle management with social media integration. Track every lead from source to closure with full audit trails.
📱
Digital Marketing & Social
Connect social media channels directly into lead flows. Run campaigns, capture digital enquiries, and track campaign ROI from within SprintCRM.
🔗
Omni-Channel Integration
Branch, call centre, agent, digital apps, and back-office — all unified under one platform. Customers get a consistent experience regardless of channel.
🤖
AI-Powered Data Analytics & Cross-Sell
Embedded AI cross-sell models surface the right product to the right customer at the right time. Customer sentiment analysis and behavioural scoring drive intelligent next-best-action recommendations for every RM.
⚙️
Embedded Sales Journey Integration
SprintCRM connects directly to Digital Wealth, Insurance, and Lending modules — RMs can initiate, track, and close product journeys without switching systems. One login, every workflow.
🎧
Customer Service Workflows
End-to-end complaint and query management with TAT tracking, escalation rules, and telephony integration for contact centres.
📊
Performance Management
Real-time dashboards for branch heads, RMs, and management. Track targets, productivity, pipeline, and portfolio performance at every level.
💻
Mobile & Web
Full functionality on mobile — RMs can work on the go, log meetings, update leads, and initiate product journeys from any device.
🧠
Customer Sentiment Analysis
Embedded AI reads interaction signals to flag at-risk customers, satisfaction trends, and churn probability — proactively, before the customer leaves.
Omni-Channel Architecture

Every channel. One unified platform.

SprintCRM sits at the centre of your institution's entire distribution network — connecting every channel to a single system of record for leads, customers, and performance.

🏢
Branch
In-person RM-assisted journeys
📞
Tele-Sales Centre
Telephony-integrated workflows
🤝
Agent Network
External sales force management
📱
Digital Apps
Mobile & internet banking
↓
SprintCRM — Unified Platform
Single system of record for all channels
↓
Sales Performance Management
📈
🔒
Back-office, Process & Compliance
Every channel feeds into a unified compliance and operations layer. Automated workflows, audit trails, and regulatory reports are generated without manual intervention — keeping your compliance team ahead of every deadline.
📊
Real-Time Sales Performance
Branch managers and heads get live visibility into team targets, conversion rates, pipeline health, and RM scorecards — across all channels simultaneously. No more end-of-day MIS surprises.
🔗
Seamless Channel Handoffs
Customers who start on the mobile app, continue at the branch, and complete with a call centre agent — all with full context preserved. Zero data loss across channel transitions.
RM Workbench

Everything an RM needs.
In one screen.

The RM Workbench is the daily command centre for your relationship managers — combining leads, customer portfolios, targets, and activity tracking into one intelligent workspace.

RM Workbench — SprintCRM ● Live
AK
Oscar Patil — Senior RM
Retail Banking · Branch: MG Road
87%
Target achieved
42
Open Leads
₹8.2Cr
Portfolio AUM
12
Meetings Today
Today's Activity
Weekly Conversions
🎯
Leads & Pipeline Management
All allocated leads, with AI-ranked priority scores, follow-up reminders, and full interaction history. RMs never miss a hot lead again.
📈
Sales Team Performance Dashboard
Product-wise targets vs achievement, conversion ratios, call volumes, and meeting counts — updated in real time. Managers see every RM at a glance.
👨‍👩‍👧
Customer Family Group View
See the full wallet — every family member, their products, maturity dates, and cross-sell opportunities — mapped under one unified group profile.
🔔
AI-Driven Next Best Action
SprintCRM surfaces real-time alerts: policy renewals, SIP top-up opportunities, loan top-up eligibility, and FD maturity reminders — automatically, before the customer has to ask.
💻
Mobile-First Workbench
Full RM workbench on mobile — update leads, log meetings, check targets, and initiate product journeys from the field. No desk needed.
68%
Avg. cross-sell conversion lift with AI recs
<200ms
AI scoring response time per customer event
3.2×
Higher RM productivity with AI-assisted leads
40+
Signals used per customer AI profile
Embedded AI

AI that works for every banker

SprintCRM embeds AI intelligence directly into daily workflows — not as a separate tool, but as a layer woven through every interaction.

🧠
Cross-Sell Intelligence
AI cross-sell models trained on real banking customer data surface the highest-probability product recommendations for each customer — prioritised by RM, branch, and segment.
ML ModelsProduct AffinitySegment Scoring
💬
Sentiment Analysis
Every customer interaction — calls, messages, complaints — is analysed for sentiment signals. At-risk customers are flagged proactively so RMs can act before churn.
NLPChurn PredictionRisk Flags
📊
Predictive Analytics
Forward-looking dashboards that predict target achievement, lead conversion likelihood, and portfolio risk — giving managers time to intervene before month-end pressure hits.
ForecastingPortfolio RiskLead Scoring
How It Works

SprintCRM in five steps

1
🔗
Connect Channels
Branch, call centre, digital apps, and agent network all feed into SprintCRM
2
🎯
Capture Leads
AI allocates, scores, and routes leads to the right RM with full context
3
👥
Build 360° View
Customer and family group profiles auto-enrich with all product relationships
4
🤖
AI Recommends
Cross-sell models surface the next best action for every customer, every day
5
📊
Measure & Optimise
Real-time performance dashboards close the loop for managers and leadership
Products › Digital Insurance Suite
Product Module

Digital
Insurance
Suite

A complete end-to-end digital insurance distribution platform — built into your bank's mobile app and internet banking — covering Life, Motor, Health, Group and POS insurance products with full IRDAI compliance.

See Features
DIY & Assisted
Self-serve customer journeys
100%
IRDAI compliant
Real-
time
Policy issuance & leads
All
Insurance product types
🛡️
📱 Mobile App
🏢 Branch
👤 RM Assisted
🌐 Web DIY
📞 Call Centre
🤝 Agent
Platform Capabilities

Distribution + Back-Office.
Fully Integrated.

The SprintMoney Insurance Suite is split into two deeply connected layers — a customer-facing distribution engine and a powerful back-office operations platform.

🚀 Digital Distribution
📱
In-App DIY Integration
Fully embedded inside your bank's Mobile App and Internet Banking — customers can compare, buy, and manage insurance policies without leaving your platform.
🤝
Assisted Digital for Branches & RMs
Branch staff and relationship managers get a guided assisted-selling module — lead capture, needs analysis, product comparison, and policy issuance in one flow.
🏷️
Bank Branding & Corporate Agency Code
Full white-labelling with your institution's branding. Policies are issued under your bank's Corporate Agency code — all commissions flow to your entity.
🛣️
End-to-End Customer Journeys
Complete digital journeys for Retail, POS, and Group Insurance products — from lead origination through KYC, payment, and real-time policy issuance.
🔌
Multi-Insurer Integrations
Pre-built integrations with multiple Life and Non-Life insurance companies. Real-time lead transfer, status fetch, and NSTP flows for underwriting edge cases.
⚙️ Back-Office & Compliance
📋
My Policies — Customer Vault
Customers get a dedicated "My Policies" section in the app — a single view of all their active policies, renewal dates, premium schedules, and coverage summaries.
🎯
Leads Management for Assisted Sales
Full leads lifecycle module for branch and RM-led insurance sales — allocation, follow-up reminders, conversion tracking, and team performance dashboards.
📊
Business & Back-Office Reports
Comprehensive MIS covering policy counts, premium volumes, product mix, channel performance, and insurer-wise break-downs — available at every hierarchy level.
📜
IRDAI Insurance Registers
All mandatory IRDAI-defined Insurance Registers are auto-generated — SP registers, policy registers, and all regulatory reports — keeping your compliance team audit-ready.
💰
Transaction & Commission Reconciliation
Automated reconciliation of premium transactions, commission statements, and invoicing data — matched against insurer records with exception reporting and SP controls tracking.
IRDAI & Regulatory Compliance
IRDAI Registers SP Controls Invoicing Data Commission Reconciliation Back-office Reports NSTP Flows Corporate Agency Code
🤖
AI-Powered Insurance Underwriting & Distribution
SprintMoney's AI engine analyses customer risk profiles, purchase history, and life-event signals to surface the most relevant insurance product at the right moment — through the branch, RM, or digital channel. Instant eligibility scoring, AI-generated needs analysis, and automated premium quotes reduce turnaround from days to seconds.
85%
Faster quote
generation
Insurance Products Supported

Every product type.
One platform.

❤️
Life Insurance
Term, endowment, ULIP, and whole life plans from multiple insurers with multi-quote comparison and real-time issuance.
🏥
Health Insurance
Individual, family floater, and group health policies with digital KYC, e-proposal, and instant policy delivery.
🚗
Motor Insurance
Two-wheeler and four-wheeler comprehensive and third-party cover with vehicle lookup, inspection flows, and renewal journeys.
👥
Group Insurance
Corporate, employer-employee, and bancassurance group schemes — with member upload, endorsements, and claims coordination.
🏪
POS Insurance
Point-of-Sale simplified products for quick customer acquisition — low-touch KYC, instant issuance, and automated renewal — ideal for branch and agent-led distribution at the counter.
🔒
Credit Protect & Loan Linked
Loan protection and credit shield products integrated directly into lending journeys — auto-offered at loan disbursement with seamless premium deduction and policy issuance.
End-to-End Digital Journey

From lead to policy.
Fully digital.

Every step of the insurance buying journey — from initial lead capture to policy issuance and ongoing management — handled digitally with zero manual intervention.

🎯
Lead Capture
DIY or RM-assisted entry via app, branch, or call centre
🔍
Needs Analysis
AI-assisted product recommendation based on customer profile
📊
Multi-Quote
Real-time quotes from multiple insurers, side-by-side comparison
📝
Proposal & KYC
Digital e-proposal, video KYC, and medical questionnaire
💳
Payment
UPI, net banking, debit card with instant premium collection
✅
Policy Issued
Real-time issuance, stored in My Policies and delivered instantly
Real-time
Policy issuance & lead transfer
100%
IRDAI regulated & compliant
Multi-co.
Insurer integrations, one platform
0
Manual reconciliation steps needed
Products › Digital Wealth Suite
Product Module

Digital
Wealth
Suite

A complete white-label mutual fund and wealth management platform — embedded inside your bank's mobile app and internet banking — with your own ARN, branding, and full AMFI compliance.

See Features
ARN
Bank branding & code
360°
Portfolio view incl. PMS & AIFs
DIY+
Assisted & self-serve journeys
AI
Recommendation engine
₹2.4Cr
Total AUM
📈Equity Funds
🏦Debt Funds
⚖️Hybrid
🥇Gold ETF
💼PMS & AIFs
🔄NFOs
Platform Capabilities

Customer Platform + Back-Office.
One integrated stack.

The SprintMoney Wealth Suite covers the full spectrum — from customer-facing DIY journeys and RM-assisted selling, to deep back-office reconciliation, compliance controls, and management reporting.

🚀 Customer Digital Platform
📱
In-App Integration — Mobile & Web
Fully embedded inside your bank's existing Mobile App and Internet Banking platform. Customers invest, track, and manage their mutual fund portfolio without leaving your app.
🤝
Assisted Digital for Branches & RMs
Branch staff and relationship managers get a dedicated assisted-selling module — customer profiling, fund recommendations, transaction initiation, and portfolio reviews all in one screen.
🏷️
Bank Branding & ARN
The platform is fully white-labelled with your institution's branding. All transactions flow under your bank's AMFI ARN — commissions and trail income credit directly to your entity.
🛣️
End-to-End Digital Customer Journeys
Complete digital journeys for every transaction type — Recommendations, SIP, Lump Sum, Redemption, Stop SIP, Systematic Withdrawal Plans (SWP), Systematic Transfer Plans (STP), and Fund Switch — all in one platform.
📊
Portfolio, Capital Gains & Reports
Comprehensive investor-facing reports — portfolio valuation, capital gains statements, transaction history, SIP performance, and consolidated account statements (CAS) — all available digitally.
⚙️ Back-Office & Controls
🔗
Back-End Integration for Client Profiles
Seamless back-end integration pulls existing bank customer data for instant KYC and profile creation — no re-keying, no friction, customers are investment-ready from day one.
🤖
Recommendation Engine — Institution Controlled
Your product team controls the recommendation engine — set risk-profile mappings, preferred fund lists, product prioritisation, and algorithmic rules. AI-powered, institution-governed.
🔒
EUIN Tracking & Controls
Full EUIN (Employee Unique Identification Number) tracking for every assisted transaction — mandatory for AMFI compliance. Audit trails, employee-wise performance, and regulatory controls built in.
💰
AUM, Transaction & Commission Reconciliation
Automated back-office reconciliation of all transactions, AUM figures, and commission credits from RTAs (CAMS/KFintech) — with exception reporting, invoicing data, and payment tracking.
📈
Leads & Performance Management
Integrated leads management for assisted sales channels — channel-wise pipeline tracking, RM scorecards, branch performance dashboards, and business MIS for management reporting.
Compliance & Regulatory Controls
EUIN Tracking AMFI ARN CAS Statements Capital Gains Reports RTA Integration Invoicing Data Commission Reconciliation AUM Reports
Digital Transaction Journeys

Every investment action.
Fully digital.

🔁
SIP
Systematic Investment Plans — setup, manage, pause, and stop SIPs entirely digitally with e-mandate integration.
💰
Lump Sum
One-time purchases across any fund category with instant order placement and confirmation.
💸
Redemption
Full or partial redemptions with real-time NAV, tax implications shown upfront, and instant processing.
🔀
Switch
Fund switches — move investments between schemes within the same AMC, with exit load and tax impact display.
📤
SWP
Systematic Withdrawal Plans for regular income — set amount, frequency, and start/end date digitally.
↔️
STP
Systematic Transfer Plans — auto-transfer between liquid and equity funds on a set schedule.
✨
AI-Powered Recommendations
Institution-controlled recommendation engine surfaces personalised fund suggestions based on the customer's risk profile, investment horizon, and existing portfolio — fully configurable by your product team.
Comprehensive Portfolio View

Beyond mutual funds.
True 360° wealth view.

SprintMoney aggregates all investment categories into a single consolidated portfolio view — not just mutual funds, but every asset class your customer holds.

📈
Mutual Funds
Complete MF portfolio — equity, debt, hybrid, ETFs, and NFOs across all AMCs — with real-time NAV, returns, and consolidated account statement.
BSE Star CAMS KFintech MorningStar
🏦
Broking / Demat Holdings
Integration or data upload for customers' equity and demat holdings — giving RMs a true picture of investable surplus and portfolio concentration risk.
NSDL/CDSL API / Upload
💼
PMS & AIFs
Portfolio Management Services and Alternative Investment Fund holdings tracked via data uploads or API integrations — for HNI and ultra-HNI customer segments.
Data Upload API Integration HNI Segment
Wealth Dashboard — SprintMoney ● Live
Total AUM
₹24.6L
Returns
+18.4%
SIPs Active
7
Equity45%
Debt28%
Hybrid15%
Gold/Other12%
FundValueReturn
Mirae Asset Large Cap ₹5.2L +22.1%
HDFC Corporate Bond ₹3.8L +8.4%
Parag Parikh Flexi Cap ₹4.1L +31.6%
SBI Gold Fund ₹1.8L +14.2%
Platform Advantages

What makes the
Wealth Suite different

🏦
Your Bank. Your ARN. Your Brand.
All commissions, trail income, and ARN credits flow directly to your institution. Full white-label — no SprintMoney branding visible to your customers.
🤖
Institution-Controlled AI Engine
Your product team configures the recommendation engine — risk profiles, preferred AMCs, and fund prioritisation. AI does the heavy lifting, your team sets the rules.
⚡
BSE Star + Multi-AMC Integration
Pre-integrated with BSE Star MF, CAMS, KFintech, and MorningStar for real-time NAV, order processing, and portfolio data across all AMCs.
🔒
EUIN Compliance Built-In
Every RM-assisted transaction is tagged with EUIN automatically — audit trails, employee performance reports, and AMFI compliance handled without manual effort.
📊
Automated Back-Office Reconciliation
AUM, transaction, and commission data reconciled daily against RTA records — with exception reporting, invoicing data, and payment tracking for your finance team.
AI Wealth Engine

Institution-controlled AI. Customer-level personalisation.

The SprintMoney AI recommendation engine learns from transaction patterns, risk profiles, and investment horizons — and your product team sets the rules. Full institution governance with customer-level personalisation.

🎯
Risk-Based Fund Matching
Maps each customer's risk appetite to an appropriate fund universe — equity, debt, hybrid, or conservative — with real-time portfolio gap analysis.
📈
SIP Optimisation AI
Analyses salary credits, spending patterns, and existing investments to recommend optimal SIP amounts and step-up schedules for each customer.
🔔
Life-Event Triggers
Detects signals — salary hike, marriage, home purchase — and automatically surfaces relevant investment products through the right channel at the right moment.
⚖️
Portfolio Rebalancing Alerts
Monitors asset allocation drift and alerts RMs when a customer's portfolio deviates from their target — with one-click rebalancing recommendations.
🛡️
Churn Prediction
Identifies at-risk customers before they redeem — enabling proactive RM outreach with personalised retention offers and portfolio insights.
📊
AUM Forecasting
Predicts branch and portfolio-level AUM growth for the next 3–12 months, helping management plan staffing, product mix, and commission budgets.
Bank ARN
All commissions & trail to your institution
Real-time
NAV, orders & portfolio data
360°
Portfolio view — MF, PMS, AIFs, Demat
EUIN
Compliant assisted-selling built in
Products › Loan Management System
Product Module

Loan
Management
System

A comprehensive, configurable LMS that automates the entire lending lifecycle — from loan product setup and disbursement to repayment tracking, collateral management, NPA classification, and financial reporting. Built for banks, NBFCs, and financial institutions of every scale.

See All Features
Full
Lifecycle automation
Auto
NPA classification & DPD
API
First integration layer
7
Core capability modules
Loan Lifecycle
📋
Loan Product Setup
Rates, tenure, fees, repayment schedules
Config
📝
Loan Application
Digital onboarding, KYC, credit assessment
Apply
✅
Approval & Disbursement
Workflow approvals, instant fund transfer
Approve
🔒
Collateral & Security
Pledge management, LTV monitoring, shortfall alerts
Secure
💳
Collections & Repayments
EMI, SIP, prepayments, advance tracking
Collect
📊
DPD & NPA Monitoring
Auto-classification, compliance reporting
Monitor
🏁
Settlement & Closure
Write-offs, foreclosures, collateral release
Close
Platform Capabilities

Seven capability modules.
One complete LMS.

The SprintMoney Loan Management System covers every dimension of lending operations — from product configuration and disbursement to risk monitoring and co-lending partnerships.

📋 Loan Products
⚙️ Loan Operations
🔒 Collateral & Security
📊 Financial Accounting
🧾 Billing & Taxation
⚠️ Risk & Compliance
🤝 Co-Lending & Transfers
📦
Configurable Loan Products
Create multiple loan categories — personal loans, home loans, business credit, LAS, LAMF — each with fully customised interest structures, payment terms, and eligibility rules. One system handles every product type from simple term loans to multi-phase credit facilities.
📐
Flexible Rate & Fee Structures
Define fixed or floating interest rates, processing fees, origination charges, prepayment penalties, and documentation fees — tailored per loan product. Changes propagate automatically across the portfolio without manual intervention.
🗓️
Repayment Schedule Builder
Generate precise repayment schedules for any structure — standard EMI, interest-only periods, bullet repayments, and bespoke payment arrangements. Supports monthly, quarterly, weekly, or custom frequency. Amortisation tables generated automatically.
📅
DPD Rules & NPA Thresholds
Configure Days Past Due (DPD) monitoring and NPA classification rules per loan product type. Set overdue thresholds, define sub-standard/doubtful/loss asset buckets, and let the system automatically transition loan status as per your policy and RBI guidelines.
⏸️
Moratorium Management
Grant borrowers temporary relief on EMI or principal payments with structured moratorium features. Implement regulatory directives, bank-specific relief schemes, or individual borrower arrangements — all while maintaining accurate loan accounting and outstanding schedules.
🔑
Secured & Unsecured Loan Handling
Mark loans as secured or unsecured at the product level. Secured loans trigger collateral assignment workflows automatically. Unsecured loans follow streamlined processing — the system adapts workflows based on loan type without manual configuration per account.
🏦
Loan Account Creation
Create loan accounts in seconds — select borrower, choose product, set tenure and repayment frequency. The system auto-generates repayment schedules, assigns interest rates, applies applicable fees, and structures the complete loan record ready for disbursement.
💸
Disbursement Processing
Track every disbursement with automated accounting — funds mapped to borrower accounts instantly, security deposits deducted where applicable, and all transactions properly recorded. Supports single disbursements, tranche-based disbursals, and partial disbursement workflows.
💳
Collections & Repayment Tracking
Automate repayment allocation across principal, interest, and charges. Supports scheduled EMIs, advance payments, prepayments, and partial payments — all reflected in real-time with loan status updates and financial statement synchronisation.
🤝
Settlements & Write-Offs
Manage OTS (One-Time Settlements), restructured repayments, and loan write-offs through a structured workflow. Complete audit trails maintained for every settlement and write-off decision, ensuring regulatory compliance and accurate financial reporting.
↩️
Refund Processing
Handle overpayments, incorrect charge reversals, and special refund cases directly within the system. Reversal entries generated automatically, transaction history preserved for audit, and reconciliation maintained without additional manual steps.
🔄
Loan Restructuring
Restructure distressed loans with revised terms — modified interest rates, extended tenures, revised repayment schedules — while maintaining complete history of original loan terms and all restructuring decisions for regulatory audit requirements.
🗂️
Collateral Type Configuration
Define and categorise all collateral types — immovable property, gold, listed equities, mutual fund units, fixed deposits, insurance surrender values, and any other asset class relevant to your lending model. Each type recorded in a structured, searchable register.
🔗
Pledge Assignment & Release
Link collateral to loans with precise allocation tracking — including shared security pledged across multiple loans. On full repayment, collateral release workflows trigger automatically, updating records instantly and notifying borrowers without paperwork delays.
📈
Real-Time Security Valuation
Track market-linked collateral (equities, mutual fund units) with automatic price updates via data feeds. Loan-to-Value (LTV) ratios recalculated in real time, ensuring your exposure stays within policy limits and triggers appropriate action when values shift.
🚨
Shortfall Alerts & Margin Calls
Receive automatic alerts when pledged collateral falls below the required threshold. Set tiered alert levels — early warning, margin call, and breach — enabling your team to request top-up collateral or take protective action before LTV limits are breached.
📋
Collateral Registry
Maintain a complete, audit-ready registry of all pledged assets across your loan portfolio. Instantly see which assets are pledged against which loans, their current valuations, LTV positions, and release status — all in a single searchable view.
🔄
Collateral Substitution
Allow borrowers to substitute pledged collateral with alternate assets within policy guidelines. Substitution workflows maintain continuity of security coverage, with all changes properly documented, valued, and reflected in loan records.
🤖
Automated Loan Accounting
Every loan event — disbursement, interest accrual, repayment, fee collection, penalty — generates accurate accounting entries automatically. No manual ledger updates, no mismatched books. Your accounts are always current and audit-ready.
💼
Disbursement & Collection Entries
Disbursement entries posted instantly to the correct GL accounts. Repayment collections split automatically across principal, interest, charges, and penalties — with all entries reconciled against the repayment schedule and borrower ledger.
📦
Suspense Account Management
NPA income handled correctly — outstanding interest and charges on non-performing loans automatically moved to suspense accounts to prevent inflated revenue recognition. Reversed to income accounts the moment actual payments are received, keeping P&L accurate.
📊
Financial Reports
Complete suite of financial reports — trial balance, balance sheet, profit & loss statements, loan ledgers, interest income reports, and provision schedules. Always available in real time for management review, board reporting, and regulatory submission.
🔄
Provision & Write-Off Accounting
Automate provisioning entries for sub-standard, doubtful, and loss assets as per RBI IRAC norms. Write-off entries processed through a structured workflow with full documentation, ensuring financial statements reflect true asset quality at all times.
🔍
Reconciliation & Audit Trails
Every financial transaction carries a complete audit trail — who made it, when, what was changed, and why. Reconciliation tools match system records against external data (NACH, payment gateways, core banking) with exceptions flagged for review.
💰
Charge Configuration & Auto-Application
Set up all loan charges — processing fees, documentation fees, valuation charges, insurance premiums, legal fees, and prepayment penalties. Once configured, charges are applied automatically at the right trigger points without any manual intervention.
🧾
Invoice Generation
Generate clean, accurate invoices for all charges — linked to the loan account, properly documented, and shared digitally with borrowers. Every charge becomes a traceable billing record that both lender and borrower can reference for queries and audits.
📝
Credit Notes & Charge Reversals
Issue credit notes for waived, refunded, or incorrectly applied charges with a complete paper trail. Billing records updated instantly, borrower accounts credited accurately, and all adjustments visible in the loan ledger for reconciliation and audit.
🏛️
GST & Tax Compliance
Configure GST, service tax, and other applicable tax rules once — applied automatically to every eligible charge and invoice. Tax calculations are accurate, compliant, and embedded directly into billing without separate manual tax workings.
📅
Penal Charge Management
Define penal interest and late payment charges per loan product — calculated automatically when borrowers miss payment due dates. Applied consistently, transparently shown on borrower statements, and fully compliant with RBI guidelines on penal charges.
📊
Billing MIS & Revenue Tracking
Track all fee and charge revenue with granular MIS — product-wise, branch-wise, and period-wise. Identify revenue leakages, monitor fee collection rates, and generate billing reports for management review and regulatory submissions.
📅
Days Past Due (DPD) Tracking
Every overdue loan account has its DPD count updated daily — automatically. Complete payment delay history maintained for each loan, giving relationship managers, credit teams, and management a real-time view of delinquency across the entire portfolio.
🚨
Automated NPA Classification
When a loan crosses the predefined DPD threshold, it is automatically classified as Non-Performing Asset — sub-standard, doubtful, or loss — as per your configured rules and RBI IRAC norms. No manual tagging, no classification delays, no compliance risk.
✋
Manual NPA Override
Credit officers can override system-generated NPA classifications when warranted — restructuring cases, partial payment acknowledgements, or court-sanctioned arrangements. All overrides are documented, require authorisation, and carry complete audit trails.
📊
Portfolio Risk Dashboards
Real-time dashboards showing portfolio health — bucket-wise delinquency, NPA ratios, DPD distribution, provision coverage, and stress indicators. Branch-level and product-level drill-downs for targeted remediation by your credit and recovery teams.
📜
Regulatory Compliance Reporting
Generate all mandatory regulatory reports — CRILC submissions, NPA schedules, provisioning statements, and asset classification reports — directly from the system. Formatted to RBI specifications and always current, eliminating manual report preparation.
🔍
Credit Monitoring & Early Warning
Configurable early warning signals — first DPD, missed mandate, collateral shortfall, external bureau trigger — flag accounts for proactive outreach before they become NPA. Alerts routed to the right team with borrower context and recommended action.
🤝
Co-Lender Onboarding
Onboard co-lending partners with defined contribution percentages, disbursement ratios, and risk-sharing parameters. Each co-lender linked to relevant loans from day one, ensuring transparency in exposure, income, and obligations across all participating institutions.
➗
Interest & Income Splitting
Automatically calculate and distribute interest income, fee revenue, and repayment collections across co-lenders based on predefined sharing ratios. No manual calculations, no disputes — accurate revenue allocation for every transaction, every time.
📊
Co-Lender Accounting Automation
All repayments, penalties, and settlements split correctly and reflected in each co-lender ledger automatically. Principal repayment, interest collection, and NPA provisions all accounted for at the co-lender level — eliminating hours of manual reconciliation.
🔀
Loan Portfolio Transfers
Transfer loans between branches, cost centres, or entities — for operational restructuring, borrower relocations, or portfolio management. All financial records, accounting dimensions, and borrower details migrate automatically with zero data mismatches.
🏦
Securitisation Support
Track loans assigned to SPVs or sold in securitisation transactions. Maintain complete records of transferred pools — off-balance-sheet treatment, residual income tracking, and originator obligations all managed within the system.
📋
Co-Lending MIS & Statements
Generate co-lender-wise MIS statements — disbursements, collections, outstanding principal, income earned, and NPA exposure — for each partner. Fulfil contractual reporting obligations and provide partners with accurate portfolio visibility at any frequency.
Loan Types Supported

Every loan product.
One platform.

🏠
Home Loans
Floating and fixed rate home loans with property collateral management, tranche disbursement, and long-tenure repayment schedules.
👤
Personal Loans
Unsecured term loans with rapid digital onboarding, bureau integration, and automated EMI collection via NACH mandates.
🏢
Business Loans
Working capital, term, and overdraft facilities for SMEs — with flexible drawdown structures, current account linkage, and cash flow monitoring.
📈
Loan Against Securities
Pledge-based lending against equities, mutual funds, and bonds — with real-time LTV monitoring, margin call alerts, and auto-liquidation triggers.
📊
Loan Against Mutual Funds
LAMF with CAMS/KFintech lien marking integration — digital pledging, instant disbursal, and automated lien release on full repayment.
🥇
Gold Loans
Short-tenure gold-backed lending with valuation-based eligibility, secure gold custody register, and renewal/auction workflows for defaulted accounts.
🚗
Vehicle Loans
Retail and commercial vehicle financing with RC-based collateral tracking, hypothecation management, and insurance verification workflows.
🎓
Education Loans
Moratorium-supported education lending with co-borrower structures, institute disbursement tracking, and income-linked repayment flexibility.
LMS Portfolio Dashboard — SprintMoney ● Live
Total Loan Book
₹482 Cr
Active Accounts
3,847
NPA Ratio
2.4%
Portfolio Quality
Standard — 72%
SMA — 14%
Sub-Std — 8%
NPA — 6%
BorrowerOutstandingDPDStatus
Sharma Enterprises ₹42L 0 Standard
Priya Singh ₹8.5L 35 SMA-1
Mehta Builders ₹1.2Cr 92 NPA
Rajesh Kumar ₹15L 0 Active
Why SprintMoney LMS

Built for Indian
lending realities

⚡
API-First Architecture
Connect seamlessly with core banking, payment gateways, NACH providers, credit bureaus, and fintech partners via REST APIs — no custom integration work needed.
🏛️
RBI & IRAC Compliant
NPA classification, provisioning norms, CRILC reporting, and penal charge guidelines all configured as per current RBI regulations — updated as guidelines evolve.
🎛️
Highly Configurable
Low-code / no-code configuration for loan products, approval workflows, charge structures, and reporting — your operations team controls it, not your IT department.
🔐
Role-Based Access Control
Granular permissions — loan officers, credit managers, branch heads, and auditors each see and action exactly what their role requires. Full approval hierarchy support.
📊
Real-Time Portfolio Intelligence
Live dashboards for portfolio quality, DPD buckets, NPA trends, collection efficiency, and branch-wise performance — available to management at any time, without waiting for end-of-day MIS.
AI Credit Intelligence

AI that sees risk before it becomes NPA.

SprintMoney's lending AI layer monitors every loan account continuously — surfacing early warning signals, predicting delinquency, and enabling proactive collections — reducing NPA formation before it starts.

🔍
Early Warning System
Monitors 30+ behavioural and transactional signals — NACH bounce, balance drop, reduced activity — and flags accounts 60–90 days before DPD breach.
📉
Delinquency Prediction
ML model scores each loan account daily for probability of going SMA or NPA, ranked by portfolio impact — so collections teams focus where it matters most.
🤝
Collections Prioritisation
AI-ranked contact lists for recovery officers — sorted by recovery probability, outstanding amount, and optimal contact time — maximising collection efficiency.
⚡
Auto NPA Classification
Rules-based engine automatically classifies sub-standard, doubtful, and loss assets daily as per RBI IRAC norms — zero manual tagging, zero classification lag.
📊
Portfolio Stress Testing
Simulates interest rate, macro, and sectoral stress scenarios across the loan book — giving management a forward view of NPA risk under different conditions.
🎯
Restructuring Recommender
For distressed accounts, AI recommends the optimal restructuring terms — revised EMI, extended tenure, or moratorium — based on borrower repayment capacity.
7
Core capability modules in one platform
Auto
DPD tracking & NPA classification daily
8+
Loan product types supported out-of-box
API
First — integrates with any core banking system
Platform in Action

How SprintMoney transforms
your daily workflows

Customer Onboarding
Digital KYC, e-mandates, account linkage
Mutual Fund Investment
AI-recommended funds across all channels
Insurance Issuance
Multi-insurer comparison to policy
Secured Loan Disbursal
LAS/LAMF with digital pledging
Sales Performance
Real-time RM scorecards and campaigns
Regulatory Reporting
IRDAI, RBI compliance, automated MIS
Customer Onboarding
Fully paperless digital KYC, e-mandates, PAN verification, and bank account linkage in minutes.
100%
Paperless
<3 min
Avg. onboarding
API
First architecture
AWS
Cloud native
VAPT CertifiedBFSI CompliantWhite-LabelOmni-ChannelAI-PoweredTata Certified
Security & Architecture

Enterprise security.
Bank-grade control.

AWS-native — your bank owns and controls its data, always.

🔐
Advanced Security Stack
VAPT, AWS GuardDuty, Cloud Posture. Tata Advanced Systems certified.
☁️
3-Tier Architecture
Front-end, application, and database segregation with dynamic scaling.
🏦
Bank-Controlled Deployment
Deploy in your own cloud or on-premise. Your bank controls all access.
🛡️
VAPT Assessed
Regular pen testing
☁️
AWS Native
GuardDuty + posture
🏢
Tata Certified
Advanced Systems
🔒
Encrypted
In transit & at rest
99.9%
Uptime SLA — Cloud Certified

Trusted by India's leading
institutions

Karnataka Bank
Suryoday Bank
SBM Bank
CSB Bank
Fino Payments Bank
Hitachi Payment Services
BSE Star MF
MorningStar
CAMS
KFintech
MF Central
CDSL Ventures
KloudMate
ICICI Prudential Life
HDFC Life
ICICI Lombard
Go Digit Insurance
Bharti AXA
PNB MetLife
Universal Sompo
Bajaj Allianz Life
Bajaj Allianz General
🛡️
AI-Powered Threat Detection
SprintMoney's security layer uses AWS GuardDuty ML to detect anomalous API access patterns, unusual login geographies, and suspicious data-export behaviour in real time — with automated incident response and alerting to your security team before a breach can escalate.
<30s
Threat
detection
🛡️
AI-Powered Threat Detection
SprintMoney's security layer uses AWS GuardDuty ML to detect anomalous API access patterns, unusual login geographies, and suspicious data-export behaviour in real time — with automated incident response and alerting before a breach can escalate.
<30s
Threat
detection
>