NBFC & Digital Lending
Legatio brings real-time government ID verification and Aadhaar eSign to loan disbursement and mandate registration — built to move at the pace digital lending demands.
Three things that go wrong on paper, and what replaces each of them.
Physical document collection is friction the borrower feels directly — every day it takes to gather signatures is a day the loan hasn't reached the person who needed it.
Aadhaar eSign is captured through certified, UIDAI-compliant channels, producing a signed record built to the evidentiary standard courts and tribunals expect.
A remote application is only as trustworthy as the identity behind it. Without real-time verification against government records, forged credentials pass through the same process as genuine ones — until they don't, and the loss lands on the book.
Applicant credentials — Aadhaar, PAN, driving licence — are cross-referenced against government databases at the point of signing, not after the fact.
Processing loan agreements on paper means administrative cost grows in a straight line with every file. At NBFC volume, that line becomes the operation's largest hidden expense.
Thousands of customised credit agreements or debt-restructuring notices are issued in a single dispatch, each tracked to individual completion.
Applicant credentials — Aadhaar, PAN, driving licence — are captured on a smartphone and cross-referenced against official government databases at the point of signing.
Captured through UIDAI-compliant channels, the immutable audit log locks in IP addresses and eSign certificates, built for the evidentiary standard SARFAESI, DRT and NCLT proceedings expect.
Thousands of customised debt-restructuring notices or credit agreements issue in a single dispatch, each borrower tracked individually without scaling administrative overhead.
Legatio acts as a dedicated identity verification and execution layer that can be scoped to integrate with an existing Loan Management System.
The signed record is built to meet the evidentiary standard tribunals expect — verified identity, timestamp and audit trail — but no document platform can guarantee the outcome of any specific tribunal or court proceeding.
No. Legatio is the identity verification and execution layer. Integration with an existing LMS should be scoped explicitly rather than assumed.