The Operating System for Consumer Durable Finance.
Empower retail checkout counters with automated ₹1 Penny-Drop bank verification, instant UPI AutoPay recurring e-mandates, rule-based underwriting, and automated T+2 merchant settlements — in under 3 minutes.
Fintex Core Terminal
Scan via PhonePe, GPay, Paytm
Mandatory eMandate: ₹2,684 on 5th of each month (Tenure: 12M)
Digital Lending Guidelines 2026
Direct bank-to-bank flow with 0% hidden fee mandate
UPI 2.0 AutoPay & eNACH
Recurring monthly auto-debit on PhonePe, GPay, Paytm
Instant ₹1 Penny-Drop
Automated beneficiary legal name verification in CBS
CKYC & CERSAI Filing
Automated institutional risk & security registration
256-Bit Bank Grade Vault
India data localization & strict tenant RBAC isolation
Everything You Need to Manage Consumer Finance
From customer onboarding and automated underwriting to recurring AutoPay collections and merchant settlements, Fintex unifies the entire consumer durable ecosystem into one real-time ledger.
Digital Applications
Create and process consumer durable finance applications through a simple guided workflow.
Customer Limits
Manage approved, utilized, blocked, and available customer finance limits with dynamic calculation.
Smart Approvals
Automatically route applications through configured approval, verification, and underwriter rules.
EMI Management
Generate EMI schedules, track repayments, dues, past overdue buckets, and collection status.
Digital eMandates
Support configured digital mandate workflows such as UPI AutoPay or bank-based authorization seamlessly.
Retailer Operations
Manage retailers, branches, products, applications, settlements, and live counter finance operations.
Origination to Settlement in Six Controlled Steps
A standardized, paperless execution model adhering strictly to RBI digital lending frameworks and zero-friction retail operations.
Customer Onboarding
Instant Aadhaar/PAN KYC retrieval and central fraud register verification.
Credit Limit Engine
Automatic credit scoring, revolving limit appraisal, and 3-pillar eligibility check.
Product & Counter DP
Device IMEI scanning with minimum 30% down-payment calculation at store.
Bank Penny-Drop
Automated ₹1 penny-drop validation matching borrower name with CBS records.
UPI AutoPay Mandate
On-screen QR scan for customer recurring auto-debit approval on PhonePe/GPay.
Disbursement & DO
Instant delivery order release to customer, and automated T+2 merchant settlement.
Real-Time Finance & Outflow Simulator
Experience the dual-sided financial transparency mandated by RBI digital lending rules. Borrowers see exact counter cash outflow itemized down to the rupee, while merchants get immediate T+2 bank payout clarity.
In-Store Counter Simulator
Live Interactive POS PreviewOptimized for Both New & Returning Borrowers
Whether onboarding a first-time shopper or enabling instant repeat financing for an existing credit customer, Fintex minimizes turnaround time while maintaining underwriting rigor.
New Borrowers
First-Time Retail FinanceSeamlessly onboard unbanked or first-time durable buyers with fast Aadhaar CKYC, instant ₹30,000 credit limit grant, and paperless UPI AutoPay mandate.
Returning Borrowers
Pre-Approved Revolving CreditLoyal customers with positive repayment track record enjoy instant profile retrieval, higher revolving limits, and sub-2-minute counter checkout.
Make Financing Part of Your Sales Experience
Fintex helps retailers manage customer finance applications without relying on disconnected forms, spreadsheets, and manual tracking.
Fintex Merchant POS Terminal
Store: Croma Electronics (RET-MUM-042)Codified Policy & Underwriting Engine
Every financial calculation and credit decision is strictly governed by institutional rules. No manual discretion on the shop floor.
Customer Eligibility Rules
Guardrails safeguarding credit risk and borrower suitability before application submission.
Retail Store & Asset Rules
Point-of-sale financing rules enforced at store counter checkout and asset handover.
Loan Servicing & Mandate Rules
Automated repayment scheduling, mandate guards, and recovery lifecycle.
One Platform. Complete Visibility.
Every department operates with clear oversight, synchronized customer data, and automated financial guardrails.
Application Lifecycle Engine
Track every loan file from draft creation through instant ₹1 penny-drop validation, rule-based underwriter approval, UPI AutoPay mandate confirmation, and final delivery order release.
Customer Credit Vault
Maintain borrower profiles, CKYC/CERSAI registry archives, revolving credit limits, and comprehensive lifetime repayment history.
Merchant POS & Catalog
Manage stores, sales reps, device IMEI catalogs, 3% dealer subvention calculations, and live counter down-payment offsets.
EMI Servicing & Cron
Automated 5th-of-month debits, T+3 grace period evaluation, ₹450 mandate bounce assessments, and daily 2% penal interest computation.
Delinquency & Recovery
Organize field collections with SMA-0/1/2 and NPA classification, call tracking, and Promise-to-Pay (PTP) commitments.
Vintage Heatmaps
Track portfolio health with MOB-12 roll-rate cohort heatmaps, Static Pool loss curves, and RBI IRACP provisioning tables.
Role-Based Access
Enforce strict separation of duties across Super Admin, Branch Head, Underwriter, Cashier, Recovery Agent, and Retail Merchant.
Immutable Audit Trail
Every state transition, rule change, disbursement dispatch, and manual override is logged with IP, cryptographic hash, and timestamp.
Enterprise Security & Compliance
Built from the ground up to protect financial transactions, borrower privacy, and regulatory integrity across every counter.
RBI Digital Lending Compliance
Strictly aligned with RBI 2026 digital lending norms. Disbursals and repayments flow directly through regulated banking channels with zero pass-through accounts.
Bank-Grade Data Encryption
Customer PII and financial records are protected with AES-256 encryption at rest and TLS 1.3 in transit, with dedicated encryption key isolation.
Role-Based Access Control (RBAC)
Enforce strict least-privilege policies across Super Admin, Branch Managers, Credit Underwriters, Cashiers, and Retail Merchants.
Automated Account Penny-Drop
Instant ₹1 penny-drop validation matching the borrower’s name and bank account against Core Banking Systems (CBS) before mandate creation.
UPI AutoPay Mandate Guard
NPCI UPI AutoPay 2.0 recurring e-mandates are verified in real time. In-store delivery orders remain locked until mandate status is active.
Immutable Audit Trail
Every approval, rule change, disbursement dispatch, and manual override is recorded with timestamps, IP addresses, and previous state snapshots.
Tailored Experiences for Every Stakeholder
A cohesive platform where merchants, consumers, credit officers, and treasury operations interact in real-time with synchronized financial guardrails.
Store POS Counters
3-minute retail checkout financing. Capture physical device serial/IMEI, display on-counter UPI AutoPay QR, and generate Delivery Orders instantly.
Borrower Mobile App
Transparent self-service for consumers. Track credit limit, access digital Key Fact Statements (KFS), view EMI calendar, and receive WhatsApp alerts.
Branch Operations Desk
Local oversight and customer support. Coordinate physical customer handover, inspect document proofs, and manage dealer verification queues.
Central Underwriting & Risk
Institutional credit sanctioning. Codified 3-pillar rule engine, automated bureau scoring, deduplication guards, and manual exception routing.
NBFC Treasury & Disbursals
Central finance operations. Automated T+2 merchant settlements, RBI/NPCI bulk NEFT payment batch generation, and daily penal cron reconciliation.
Institutional Platform Telemetry
Aggregated live across merchant terminals and central ledger
Frequently Answered Governance Questions
Technical guidelines regarding credit policies, T+2 merchant settlements, and recurring AutoPay compliance.
Ready to Accelerate In-Store Financing?
Empower your store reps, automate underwrite approvals, and disburse delivery orders in minutes with paperless e-mandates.