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Case Study

Building a National Lending Ecosystem

"How Novostack built the comprehensive technology platform that powers Ruloans' nationwide loan distribution network."

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₹1L Cr+
Disbursements
275+
Bank Partners
4,000+
Cities Present
1M+
Customers
Client Overview

Powering
Fintech Infrastructure

Ruloans Distribution Services Pvt Ltd is one of India’s leading loan distribution platforms, connecting borrowers, lenders, and financial partners through a nationwide ecosystem.

Home & Personal Loans
Business Loans
Loans Against Property
Credit Cards & Insurance
Building a National Lending Ecosystem
The Challenge

Complex
Infrastructures

Managing Massive Networks

Difficulties in managing lead assignments, agent productivity, and cross-bank communications across thousands of DSAs.

Manual Workflows

Reliance on manual document collection and tracking created delays and increased operational overhead.

Multi-Bank Complexity

Integrating with 200+ lenders with varying APIs, submission formats, and approval cycles.

Transparency & Payouts

Need for real-time tracking of loan status, disbursements, and complex commission calculations.

The Solution

Lending CRM Platform

A custom-built CRM managing the entire lifecycle: lead capture, profiling, tracking, and multi-stage funnel management.

Partner (RuConnect) App

Digital onboarding and management for DSAs, allowing agents to submit cases and track commissions in real-time.

Automation Engine

Claims reconciliation and payout automation matching vendor claims with bank files automatically.

Technology Architecture

Built for
Future Growth

Microservices Architecture
API-First Lenders Integration
Scalable Cloud Infra
Secure Financial Data Vault
Architectural
Nucleus
Global Impact
Higher

Operational Efficiency

Automated application handling and faster bank submission cycles.

Dynamic

Partner Growth

Self-serve onboarding for thousands of new DSA partners monthly.

Real-Time

Transparency

End-to-end visibility into fee reconciliation and payout tracking.

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Excellence?

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