Transforming Lending
Our colending infrastructure can transform the lending ecosystem by benefitting all the parties involved:
1. Bank
Sourcing under pre agreed risk policy
Higher ROI
Secured middleware allowing to partner with 100’s of NBFCs
Can achieve their PSL targets
Better sourcing, distribution
Automated Collection and reconciliation
Must Have for a Colending Platform for Banks
An efficient Co-Lending platform must have below key abilities in order to faciliate the end to end loan life cycle under Co-Lending model.
2. NBFC
Larger book through leverage
Secured middleware allowing to partner with multiple Banks
Cheaper capital
Shared risk
Better returns
Access to large number of big financial institutions
Must Have for a Colending Platform for NBFCs
An efficient Co-Lending platform must have below key abilities in order to faciliate the end to end loan life cycle under Co-Lending model.
3. Borrower
Lower interest rates
Better customer experience
Financial inclusion
Access to formal credit
With Full Stack Integrated, yet Modular Solution
Loan Origination
Underwriting
Loan Management (100/80/20)
Auto Reconciliation (100/80/20)
Transactions and Scale
Knight Utopia is Industry's First end-to-end digital Colending and lending solution. With cutting edge technological solutions, we strive to solve for some of the most complex industry's problems.
$200B +
Access to balance sheet
12 +
Banks Onboarded
40 +
NBFCs Onboarded
~$1 B
Active AuM
Technical Overview
Bank Grade Security
Bank Grade Hardened Security and frequent Vulnerability Assessment and Penetration Testing (VAPT) of all end points, servers and applications.
ISO 27001 Certified
Certified with ISO 27001 - the global gold standard for information security.
On-prem Deployment
Enterprise grade system, with integration capabilities to various core banking systems like finacle etc. Possible to deploy in a secured and isolated on-prem infrastructure.
Cloud Based Deployment
Cloud Based Deployment with best in class scalability security for your present and future needs. Access application anywhere, on any device
End-to-end Encryption
256 bit, miliatary grade AES Encryption - Only encryption technique approves by US miliatary. It is impossible to brute force such application security with 1.1X 1077combinations possible