miFIN™ – Cloud Lending Platform

miFIN™ Lending and Leasing Suite is a mobile lending and leasing technology platform designed for banking and financial services companies to completely automate the ecosystem- from client solicitation to underwriting, disbursals, servicing, client service, credit management, collections, revenue and expense booking, regulatory compliance, etc.
With a workflow based multiproduct mobile and web driven originations platform that’s backed by a robust service and management engine, miFIN™ helps lending companies drive paperless collaboration among its stakeholders. With multiple integrations to bureaus and other third party data providers, industry templates for income assessment, configurable credit policy and eligibility calculator, this cloud based lending management system results in improved and faster credit assessment, and increased efficiency across the lending lifecycle. miFIN is a workflow based multiproduct platform to create a new lending paradigm in the digital age.

Business Benefits of miFIN™ Lending

Loan management software - miFIN Lending

Increased sales productivity
Increased sales productivity

The web and mobile based branchless and paperless lending disbursal model empowers your sales team to drive an in-principle sanction in minutes.


Higher operational effectiveness
Higher operational effectiveness

A highly configurable masters driven system, with bulk/batch handling of volume operational processes like receipts & clearance uploads, rate resets and more, which results in high operational efficiency.

Loan management software - miFIN Lending

Better credit assessment
Better credit assessment

Multi-bureau checks, strong data deduplication, identity validations, industry based income assessment templates for SMEs, and a configurable credit policy engine ensure your risks are minimized. With miFIN Straight through Processing (STP) workflows, clients can approve a loan in a matter of minutes.

Loan management software - miFIN Lending

Strong control and compliance
Strong control and compliance

A strong enterprise architecture ensures flexibility, controls to avoid fraud, and configurability without any compromise on effective controls and compliances.
miFIN™ provides the framework for configuring various regulatory and business policies for accounting, KYC, delinquency, provisioning and NPA norms.


Launch new product variants
Launch new product variants

Out of the box product variants like flexible structures, overdrafts, moratorium in between a loan term in addition to standard loan products, flexible charges definition and other rules, empowers your business to design innovative and client focused products.


Improved collections efficiency
Improved collections efficiency

With features such as mobile collection, geo tagging of field collection efforts, settlements, legal and recovery, the miFIN™ loan management software becomes a real-time and efficient enabler of your collection efforts.

Why miFIN™

Selected As Platform Of Choice By Established And New-Age Lending Companies Alike

miFIN™’s  intelligently designed user experience for business, has a proven track record with several established lending companies including Karvy Finance, Orix Financial, Cholamandalam, SKS Microfinance and new age digital lending companies like Vastu Housing Finance, Aye Finance, Aviom Housing Finance, and more.

Comprehensive Platform With Complete Lending Eco-System Coverage

Arguably the only Loan Management Software (LMS) platform with a holistic view of the lending eco-system, from clients to third party workforce to internal business users across business functions.

Scalable And Robust

Designed and architected by domain and technology experts and tested for scale, miFIN™ provides the right blend of omni-channel comprehensive functional features in an enterprise grade secure technical architecture built on the premise of modularity, scalability and configurability.

Backed By A Strong Delivery And Support Team

In addition to the product, we differentiate ourselves by the trust that our clients place on our delivery and support team. The Qualtech teams are always ready to go the extra mile in our commitment to our clients’ success.

The Product Highlights

Lending Workflow Based Solution with Improved efficiency and configurable collections strategy & mobile based real time collections feed
Define Income (interest, fee) recognition norms, & dynamic accounting policy definition with a configurable accounting policy
Manage timelines and notification processes with scheduled and trigger-based, template driven e-mail and SMS alert systems
Intelligent decision support engine for simplified and effective underwriting
Define and roll out new product variants to the market in no time, with the Dynamic Business Policy Manager
API Box providing integration with multiple bureaus and other third party service providers
Simplified KYC norms, delinquency, provisioning, NPA management etc. with our automated control and compliance processes
Integrated document management system with ability to define, scan and retrieve documents at different stages in lending lifecycle

Customized Lending Product Solutions For

Loan management software - miFIN Lending

Retail Lending
Retail Lending
  • Home Loans
  • Auto Loans
  • Commercial Vehicle Loans
  • Gold Loans
  • Education Loans
  • Consumer Durable Loans
  • Personal/Cash Loans
  • Loan against Securities


Corporate Lending
Corporate Lending
  • Term Loans
  • Bill Discounting
  • Working Capital
  • Cash Credit


Builder Funding
Builder Funding
  • Inventory Management
  • Escrow Management
  • NCDs


  • Group Lending
  • Individual Lending


  • Operating Leases
  • Finance Leases

Clients Speak

  • “If there is anyone I have come across who understands lending business as good as they understand technology, it has to be Qualtech. And this reflects in their product miFIN™. We have implemented miFIN™ for our Home Finance and Commercial Vehicle Finance and are in the process of implementing miFIN™ for our leasing business as…

    Sandeep Gambhir MD & CEO - ORIX Auto Infrastructure Services
  • “We would like to thank Team miFIN™ for the herculean task of migrating out of our legacy system. The challenges were plenty – limited documentation of legacy system, underlying data issues etc. and unavailability of support from existing vendor didn’t help the cause but the ownership shown by miFIN™ team was exemplary.”

    Shakeel Peerbocus Senior Manager - Cheribinny Ltd.
  • “We have an unconventional view of the Indian financial market. Thus, we evaluated various traditional Loan Systems available in the market on different parameters including depth and breadth of features. Finally, we selected Qualtech’s miFIN™ platform and we are happy we made the right choice. Besides the product, the complete ownership character of Qualtech assures…

    Amit Saxena Wholetime Director & CEO - Karvy Financial Services Ltd

Case Studies

Lending for Orix

Orix Financials chose miFIN™ Lending as the fintech platform for their new Loan Against Property (LAP) product. The platform met the requirements of the stakeholders, delivering key benefits for the sales and operations departments while integrating seamlessly with their existing IT set-up. The high year-on-year growth achieved for their LAP product, prompted them to adopt miFIN™ Lending for two of their established financial products as well.

Orix Financials

Financial Services | miFIN™ Lending



Do you have a question about this

Request Meeting

Would you like to set up a meeting
with a Qualtech expert?

Free Demo

If you would like to see a demo of a product,
please leave your contact details here


Get in touch

Follow Us