Smarter financial operations for the digital era
NBL brings lending, payments, collections, compliance and customer onboarding onto one secure platform — built for banks, NBFCs and financial enterprises that can't afford downtime.
Built for how Indian finance is actually regulated
We build financial software for regulated institutions — and we are a regulated, BSE-listed company ourselves. Each segment below comes with its own supervisor, its own filings and its own deadlines.
Listed companies
SEBI — PIT RegulationsStructured digital database, UPSI tracking, insider trading compliance and disclosure workflows.
Merchant bankers & RTAs
SEBIIssue management, DRHP workflows, investor records, allotment and refund tracking.
Brokers & wealth managers
SEBI, exchanges, depositoriesClient onboarding and KYC, risk and margin, portfolio reporting, advisory audit trails.
Cooperative banks & NBFCs
RBILoan origination, collections, core banking integration, NPA and SARFAESI recovery.
Payments & NPCI rails
NPCI, RBIUPI, NACH, AePS, BBPS and IMPS integration, reconciliation and settlement.
Insurance & InsurTech
IRDAIPolicy administration, claims automation, agent onboarding, persistency reporting.
Export & trade finance
RBI, DGFT, CustomsLetter of credit workflows, remittance tracking, shipping and trade documentation.
RegTech & AI
Cross-cuttingCompliance monitoring, RAG over regulatory circulars, document intelligence, anomaly detection.
Regimes we build for beyond India
Grouped by regulatory regime rather than country, because the regime decides the build. These are the rails and supervisors we engineer against.
UAE & Qatar
CBUAE · DFSA (DIFC) · FSRA (ADGM) · VARA · QCB · QFCRAAani and Fawran instant payments, Islamic-finance product structures, free-zone versus onshore licensing.
United Kingdom
FCA · PRAOpen Banking, Faster Payments, Consumer Duty and strong customer authentication.
Nordics — Norway, Sweden, Finland
Finanstilsynet · Finansinspektionen · FIN-FSABankID and national e-ID, Vipps MobilePay, Swish and SEPA Instant — very high digital-identity expectations.
Switzerland
FINMADLT Act framework, private banking and wealth platforms, cross-border data residency.
France & EU
ACPR · AMF · EBAPSD2, SEPA, DORA operational resilience, MiCA for digital assets and GDPR.
Working outside these markets?
Tell us the supervisor and the rails, and we will map the build against them.
From friction to flow
What slows lending and finance teams down today, and what running on NBL looks like instead. Hover any card to compare.
Slow loan processing
Applications sit in queues while approvals bounce between teams and spreadsheets.
Rule-based underwriting and parallel approvals move an application through in hours, not days — with every decision logged.
Manual collections
Follow-ups run on call lists and memory, so recoveries depend on who is chasing.
Automated allocation, follow-up workflows and field-agent tooling, so recovery doesn't depend on who happens to be chasing.
Paper-based KYC
Documents are collected, scanned and re-keyed, adding days before disbursal.
Digital KYC with identity verification and document capture, straight through to first disbursal — no re-keying.
Payment delays
Reconciliation lags behind settlement, so nobody trusts the day's numbers.
Automated reconciliation against your bank and payment partners, so the day's numbers settle themselves.
Customer drop-offs
Long, fragmented onboarding loses applicants who were ready to borrow.
One guided onboarding journey with save-and-resume, so applicants finish what they started.
Compliance issues
Evidence is assembled after the fact, which turns every audit into a project.
RBI-aligned controls and immutable audit logs generated as work happens, not assembled the week before an audit.
Poor reporting
Portfolio views arrive weekly, so decisions are made on stale information.
Live portfolio, delinquency and ageing dashboards — decisions on today's data, not last week's export.
Fraud risk
Weak identity checks and thin audit trails leave exposure you can't quantify.
Identity verification, MFA, role-based access and a full audit trail on every action, so exposure is measurable.
Every function of lending and payments, connected
NBL replaces point tools and manual processes with one connected operating layer. Each module is designed around a real operational function, not a generic feature list.
Digital lending
Application, underwriting, approval and disbursal in one flow, with configurable credit rules and bureau checks.
Payments
Collections, disbursals and settlement with automated reconciliation against your bank and payment partners.
Collections
Allocation, follow-up workflows, field-agent tooling and recovery tracking that survives staff turnover.
Customer onboarding
Digital KYC with identity verification, document capture and straight-through processing to first disbursal.
Compliance
RBI-aligned controls, AML and KYC checks, and immutable audit logs generated as work happens.
Reporting & analytics
Portfolio, delinquency and collection dashboards your team can read without waiting for a report run.
See the platform at work
From disbursal to reconciliation to the API layer your engineers will actually integrate against.
Money movement in one view — what went out, what came back, what still needs matching.
Documented endpoints for payments, KYC, bureau and core banking, with request logs your team can debug.
Live portfolio health instead of a weekly export — ageing buckets, delinquency and recovery in one place.
From registration to closure, in one flow
Five stages, one team. Most institutions are live in four to eight weeks — longer only when data migration is heavy.
-
1Week 1
Discovery
We map your products, credit policy, current systems and the data you are carrying.
Output — Scope & integration plan -
2Week 1–3
Configuration
Modules, workflows, credit rules and approval hierarchies set up to match how you actually lend.
Output — Configured environment -
3Week 2–5
Integration
Core banking, payments, KYC and credit bureau APIs connected and tested against sandbox.
Output — Live integrations -
4Week 4–7
Migration & UAT
Existing books moved across, then tested against real cases with your team signing off.
Output — Signed-off UAT -
5Week 6–8
Go live
Admins and users trained, then we run alongside you through the first cycle.
Output — Live platform + support
Security and compliance aren't a feature — they're the foundation
Controls are enforced by the platform, and evidence is produced as work happens rather than assembled the week before an audit.
Security
- End-to-end AES-256 encryptionIn transit and at rest
- SSL everywhereEvery endpoint, every session
- Multi-factor authenticationOn every privileged login
- Role-based access controlPer-role permissions, per module
- Full audit logsImmutable record of every action
- Secure cloud infrastructurePrivate cloud or on-premise option
- Backup & disaster recoveryWith a tested restore path
Compliance
Audit evidence is generated automatically as work happens — no scramble before a review.
Connects with the systems you already run
Plans that scale with your institution
Pricing depends on modules, integrations and volume. Tell us your scope and we'll come back with a firm number.
Starter
For a cooperative bank or small NBFC running one lending product.
- Core lending module
- Digital KYC
- Standard reporting
- Business-hours support
Professional
For multi-branch institutions running lending, payments and collections together.
- All Starter modules
- Payments & collections
- Core banking integration
- 24×7 support
Enterprise
For institutions needing private cloud or on-premise deployment.
- All Professional modules
- Private cloud or on-premise
- Custom workflows
- Dedicated account contact
Custom
For a product that doesn't fit a standard shape — we build and operate it.
- Bespoke module development
- Managed delivery team
- Full IP handover
- Ongoing product support
Common questions
The questions CIOs and operations heads ask us first.
Is the platform secure?
Is it cloud-based?
Does it support API integration?
Can it integrate with our core banking system?
Is mobile banking available?
Can we customize modules?
Is training provided?
How long does implementation take?
What compliance standards are supported?
Is customer support available 24×7?
Let's talk about your operations
Tell us which part of the stack is hurting most — lending, payments, collections or onboarding — and we'll show you the relevant modules running with real workflows, not a slide deck.
- A working walkthrough, not a generic demo
- An indicative scope and timeline
- Integration assessment for your core systems
- We reply within one business day
Prefer email? sales@naapbooks.com
Book a platform walkthrough
No commitment. We reply within one business day.
Ready to transform your financial operations?
Most institutions are live in four to eight weeks. Start with a walkthrough of the modules that matter to you.
Book a platform walkthrough