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BFSI — Banks, NBFCs & Lenders

Document Management for Banks, NBFCs, HFCs & Lenders

Loan files, customer KYC, collateral documents, and regulatory submissions — every loan creates a trail RBI expects, retrievable for decades.

  • Complete digital loan files — 30–50 documents indexed and searchable
  • RBI-grade audit trails on every document action
  • Automated re-KYC scheduling by risk classification
  • Collateral tracking — physical location logs plus digital copies
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🏦 LOAN FILE
RBI Ready ✓Inspection export
KYC Auto-refreshRisk-based scheduling
MinutesRBI inspection export (was weeks)
AutoRe-KYC scheduling by risk class
AES-256Encryption on all loan & KYC data
ISO 27001 & ISO 27701Certified & RBI Master Directions

Industry Pain Points

Key Challenges that Banks & NBFCs Face

From loan file complexity to re-KYC window misses — these are the document problems that create RBI risk and slow lending.

01

Loan File Complexity

30–50 documents per loan across KYC, sanction, agreement, and disbursement — scattered across systems.

02

RBI Audit Trails

Every document action must be logged for inspections and Ombudsman complaints — manual systems create gaps.

03

Re-KYC Cycles

Customer KYC requires refresh every 2 / 8 / 10 years by risk classification — manual tracking leads to missed windows.

04

Digital Lending Compliance

Key Fact Statements, consent forms, and grievance disclosures must be captured and archived per RBI guidelines.

05

Long-Term Retention

Loans run 5–30 years; NPA recoveries can be initiated decades later — paper-based archives degrade and disappear.

✓

Kleeto solves all of this

One RBI-grade repository — for loan origination, KYC, collateral, and regulatory submissions.

How Kleeto Helps

RBI-Grade Document Management for the Full Loan Lifecycle

Kleeto unifies loan origination, customer KYC, collateral documents, and regulatory submissions in one secure repository — with Aadhaar eSign on loan agreements, re-KYC scheduling, and audit-trail exports formatted exactly as RBI inspectors expect.

📱
Aadhaar eSign on loan agreements aligned with RBI digital lending
🔄
Automated re-KYC triggers by risk classification (2 / 8 / 10 year cycles)
🏠
Collateral tracking — physical location logs + indexed digital copies
🏛️
RBI inspection exports ready in minutes, not weeks
⚖️
Complete NPA recovery trails — loan files retrievable years after closure
📂 Loan Document Repository
🪪
Customer KYC (Aadhaar, PAN, address proof)
📋
Sanction letters & loan agreements
🏠
Property papers, title deeds & charge filings
💰
Disbursement records & post-disbursement compliance
📊
RBI filings & NBFC returns
📄
Digital lending KFS, consent & grievance records

Use Cases

How Banks & NBFCs Use Kleeto

📱

Digital Loan Onboarding

Aadhaar eSign on loan agreements aligned with RBI's digital lending framework — fully paperless origination.

🪪

Customer KYC & Re-KYC

Version-controlled KYC records with refresh triggers by risk classification — no manual tracking needed.

🏠

Collateral Document Management

Physical-location logs plus indexed digital copies — complete trails for recovery proceedings years later.

🏛️

RBI Inspection Prep

Audit-trail exports in the exact format RBI inspectors request — ready in minutes, not weeks of file gathering.

⚖️

NPA & Recovery Support

Complete loan document trails — collateral, hypothecation, and charge filings retrievable in seconds for recovery.

🤝

Co-Lending & Fintech Partnerships

Document exchange and audit trails across partner platforms via secure API — co-lending ready.

Document Types

Every Document in the Loan Lifecycle

Customer KYC (Aadhaar, PAN) Income Proof Bank Statements Property Papers Valuation Reports Sanction Letters Loan Agreements Disbursement Records Hypothecation Agreements Title Deeds Charge Filings RBI Filings NBFC Returns SEBI Submissions Key Fact Statements Consent Forms Grievance Records Post-Disbursement Compliance

Key Features

Built for RBI-Grade Lending Operations

✍️

Aadhaar eSign

NSDL-licensed CA partner — aligned with RBI's digital lending guidelines for loan agreement execution.

📝

RBI-Grade Audit Trails

Every document action logged with user, timestamp, and IP — tamper-proof for inspections and Ombudsman cases.

🔄

Re-KYC Scheduling

Automated triggers by risk classification — high / medium / low risk customers refreshed on the correct cycle.

🏠

Collateral Tracking

Physical vault location linked to indexed digital copies — complete collateral trail for recovery proceedings.

⏱️

Retention Enforcement

Auto-enforced by RBI master direction, document type, and loan product — from KYC (10 years) to loan transactions (8 years).

⚖️

Recovery Support

Complete loan files retrievable years after closure — all collateral and hypothecation documents indexed and accessible.

Loan Lifecycle

Full Loan Document Workflow

From origination to closure — every document captured, retained, and retrievable.

1

Lead

Initial KYC & application capture

2

KYC + Underwriting

Income, property & credit verification

3

Sanction + eSign

Aadhaar eSign on loan agreements

4

Disbursement

Disbursement records & compliance

5

Servicing + Re-KYC

Automated re-KYC & EMI tracking

6

Closure / Recovery

Complete trails for NPA recovery

Measurable Benefits

What Banks & NBFCs See After Kleeto

⚡

Faster Loan Turnaround

Complete digital loan files cut sanction-to-disbursement time — no more chasing physical documents between branches.

🏛️

RBI Inspections in Minutes

Regulatory exports ready in minutes — not weeks of manual file-gathering across branches and vaults.

🔄

Zero Re-KYC Window Misses

Automated scheduling eliminates missed KYC refresh windows — compliance maintained without manual tracking.

⚖️

Faster NPA Recovery

Indexed collateral documents and complete loan trails accelerate recovery proceedings — every document ready to present.

Compliance & Security

RBI Master Directions RBI Digital Lending ISO 27001 & ISO 27701 Certified GDPR Compliant DPDP Act 2023 IT Act Section 3A eSign AES-256 Encryption 2FA & IP Controls

FAQ

Common Questions from BFSI Teams

Everything you need to know before implementing Kleeto in your lending operations.

Talk to an Expert

Yes — audit trails, retention policies, security controls, and access management align with RBI's master directions on KYC, outsourcing, and digital lending. Kleeto enforces these automatically per document type and loan product.

KYC records are typically retained for 10 years after the relationship ends; loan transaction records for 8 years per the Income Tax Act, and longer for capital-account transactions. Kleeto enforces the correct retention period automatically.

Yes — Key Fact Statement delivery, consent capture, Aadhaar eSign, grievance disclosure archival, and complete digital lending audit trails are all supported. Kleeto is purpose-built for RBI's digital lending framework.

Yes — Kleeto integrates with core banking systems (Finacle, Flexcube, TCS BaNCS), loan origination systems, CRM, and credit bureau APIs via API. It acts as the document layer alongside your existing core BFSI systems.

Get Started

Ready to Make Every Loan File RBI-Ready?

Banks and NBFCs rely on Kleeto to pass RBI inspections, automate re-KYC, and accelerate NPA recovery with complete document trails.

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Minutes
RBI inspection export time
10 yrs
KYC retention auto-enforced

We are of the opinion that the best way to provide value to the consumer is to think creatively, customize their experience, and be open to new ideas.

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