Do you build UPI/payment integrations?

Yes — payment gateways, UPI flows, reconciliation engines, and settlement reporting are standard workstreams in our BFSI platforms.

Do you build loan origination and loan management systems?

Yes, and usually the second one is where the value sits. Origination is visible and gets budget; servicing, restructuring, collections and closure are where an NBFC's actual policy complexity lives, and where a packaged LMS most often forces a workaround. We build the parts that differ and integrate the parts that do not.

Can you integrate with credit bureaus and CKYC?

Yes — CIBIL, Experian, Equifax and CRIF on the bureau side, and CKYC for download and upload. The engineering caution is the same in every case: treat the response as a system of record with its own retention and consent obligations, not as a field to display. Bureau pulls are auditable events and regulators ask about them.

How do you handle AML and sanctions screening?

Screening at the event rather than in an overnight batch, with fuzzy matching tuned to Indian name variance, and every hit and disposition logged so an inspection can reconstruct why an alert was cleared. The hard part is not detection but false-positive volume — an alert queue nobody can clear is the same as no screening at all.

Sector

BFSI & Fintech

Institutional-grade platforms for banks, NBFCs, insurers, and fintechs — proven at IRFC scale.

All industries

A financial district of high-rise office towers

The context

Financial platforms carry a double burden: move fast enough for digital-native competition, and stay auditable enough for regulators who read logs. We've engineered for both — including IRFC Invest, the investor platform for Section 54EC bondholders.

What usually breaks

Origination and onboarding queues that lose customers to faster rivals
Legacy cores that make every product launch a six-month negotiation
Compliance reporting assembled manually from disagreeing systems
AI ambitions blocked by explainability and data-boundary concerns

Systems for BFSI & fintech

Digital origination & onboarding

KYC automation, document AI, and straight-through processing with human-in-the-loop exception lanes.

Investor & customer platforms

Secure self-service portals and apps — holdings, statements, journeys — engineered to institutional security posture.

Lending & risk systems

Configurable scorecards, explainable AI decisioning, and audit trails your risk committee can interrogate.

Compliance data plumbing

Regulatory reports generated from governed pipelines instead of spreadsheet heroics.

Loan origination and servicing

LOS and LMS built around your credit policy rather than a vendor's — application, underwriting, sanction, disbursal, then the servicing and collections life the origination demo never shows.

AML, CKYC and ongoing screening

Sanctions and PEP screening that runs on an event rather than a batch, CKYC upload and download, and an alert queue an analyst can actually clear.

What we shipped in BFSI & fintech

All case studies

IRFC Invest — a digital front door for Section 54EC bond investors

IRFC Invest is the investor-facing application where Section 54EC bondholders see and track their holdings directly. Eight months and seven engineers, and the registrar queue that stood between an investor and their own holdings is gone.

Registrar queueReplaced entirely for holdings enquiries

AI-assisted loan origination for an NBFC

An AI-assisted origination platform that reads documents, flags risk, and routes applications — approval turnaround down 68% with tighter, not looser, controls.

68%Faster approval turnaround

Practice software for accountants, CAs and tax consultants

A platform built for accounting and tax practices rather than for the businesses they serve — the working software a CA, an accountant or a tax consultant sits in all day.

The rules that shape the build.

Not legal advice — the specific obligations that change what the software has to do, and that are cheapest to design for at the start.

RBI IT & outsourcing directions

Governs how a regulated entity may use a vendor: exit plans, audit rights, concentration risk and board oversight all have to be evidenced, not asserted.

Payment data localisation

RBI requires payment system data to be stored in India. This decides your cloud region before anything else does.

SEBI cybersecurity framework

For market intermediaries: VAPT cadence, SOC arrangements and incident reporting timelines.

DPDP Act 2023

Consent, purpose limitation, retention and a named grievance officer — with financial data attracting the closest scrutiny.

PCI DSS

Where card data is in scope. Usually the argument for keeping it out of scope entirely via tokenisation.

What we integrate with

Nothing new arrives into an empty building. These are the systems that usually have to keep working, and talking to them is normally the larger half of the engagement.

Core banking (Finacle, Flexcube, BaNCS)
LOS/LMS platforms
CIBIL and bureau interfaces
NPCI rails — UPI, NACH, IMPS
Legacy AS/400 systems
Excel-based reconciliation

What this sector measures

TAT
Origination turnaround, per product: Straight-through
Share needing no manual touch: Audit trail
Completeness under inspection

Services that come up most in BFSI & fintech.

Custom AI & LLM Development

RAG platforms, copilots, and document intelligence built on your data, inside your boundaries.

AI Agents & Autonomous Workflows

Agents that execute multi-step business processes — supervised, audited, and integrated with your systems.

Security & Compliance

Security engineered into the build — and audited like an attacker would.

Legacy Modernization

Escape aging systems without betting the business on a big-bang rewrite.

Questions about BFSI & fintech

Yes — IRFC Invest was engineered to exactly that bar: hardened authentication, complete audit trails, and security review as a delivery phase. Those standards are now our default posture for BFSI work.

Other sectors

The constraints above are the ones that decide an architecture. To map the ones that bind you, discuss your operation.