Welcome to ValueFin India Technologies

Digital Lending | Loan Management | Rural NBFCs | Financial Institutions | Banking Correspondents | Cost Effective

Process Efficiency | Data Integrity | Portfolio Analytics | Customer Experience | AI & ML | Agriculture , MSME and Small Loans


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About Us

ValueFin India Technologies and Services Private Limited is a nextgen digital solutions company that is focused on empowering Rural India through cost effective services and solutions. We provide Software Solutions for Banking and Financial Services that promote Digital inclusion and enable credit delivery services in Rural & Semi Urban India. This includes a whole range of solutions like online Loan origination and management solutions, Loan assessment report preparation, Credit Score & Information services,online market place, AgTech, Artificial Intelligence and Market Learning based services. All this is provided at a highly cost effective price. Contact us for more.

ValueFin India Technologies India, LOS, LMS

ValueFin India Technologies provide high quality Fintech and Agtech Solutions focused on Rural India.

Our solutions help in bringing Digital Financial Inclusion, Providing access of credit through NBFCs, MFIs and Banks by enabling them make rapid, informed lending decisions through our solutions and loan assessment process. We help customers create their Loan Application and Credit Information Report to help them reach the Financial Institutions.

At ValueFin India Technologies, our objective is to help bridge the gap between urban and rural India. We provide a whole range of solution and services especially in financial services sector depending on market demand and opportunities. This includes software building, Digitization of lending ( LOS and LMS solutions) & other financial services platform, Machine Learning, Creating Market Place and linkage of Agro, Rural and Small enterprises with Financial Institutions.

  • Loan Origination System (LOS)
  • Loan Management System (LMS)
  • Digital Inclusion
  • Online Market Place
  • FinTech Solutions
  • AgTech Solutions
  • Digital Marketing

We Passionately Provide the Digital Solutions for Rural India, Cost Effectively

Loan Origination Solution

Loan Origination Solution is specifically designed to accelerate Digital Financial Inclusion and help the customers in Rural and Semi Urban areas to approach the Banks/NBFCs/Financial Institutions. We have developed solutions to specifically support the loan application processing keeping in view the needs of banks and financial institutions, with application generation, credit assessment support, credit information reports, digital verification of records and identity. This enhances the efficiency and TAT for customer and Financial Institutions

Loan Management Solutions

Our Loan management solution is directed towards Rural Financial Institutions which can act as a one stop place for customer information, repayment schedule generation, product management, collections details, reconciliation, integration to develop profit and loss statement. It automates the whole process while reducing the iterative manual work, keeping closer track of portfolio and being cost efficient. It would help Rural Financial insutions/NBFCs/MFIs to take advantage of this highly efficient and effective solution.

AI and ML

We are working and partnering on developing AI and ML powered solutions for helping financial institutions innovate freely to further Digital Financial Inclusion, improve access to credit services, faster decision making, improving turnaround time, developing products, improve, upgrade and modify services through a continuous understanding of human psychology , ML and AI based computer decisioning. The objective is to create cost efficient financial products and digital credit services for Rural population in the remote villages and semi-urban India

Online Marketplace

We are developing an online multichannel marketplace for Financial services which offers a wide range of products to customers / borrowers , lenders/financial institutions especially for Priority Sector loans and Digital Credit access for Rural India. The online market place will be in vernacular language and will have the capability to register customer, verify credentials, reduce the iterative work, digitize information, get identity verified, make credit information reports available and make it easier for banks/NBFCs/FIs to optimise the process, reduce cost of origination, improve TAT and make credit delivery more cost effective, especially when it comes to Rural India

Loan Origination Solution

ValueFin Loan Origination Solution is aimed towards Rural India and Priority Sector Lending which sees a series of challenges because of information asymmetry, lack of correct information, identity verification, lack of information and lack of access to Financial Insitution. Our online LOS solution which is in vernacular language can help streamline the customer origination, customer data filling, identity verification, alternate credit scoring and lending operations easy, seamless and far more cost effective. It will help Rural customers in getting access to credit and banks/NBFCs to make faster decision based on reliable, digitized and verifiable information.

The process of issuing a loan involves a series of steps right from identifying a customer, acquiring customer, processing their information, to vetting their credit standing, identity documentation and then finally creating information report so that Bank/NBFC can make decisions based on information. Our Loan Origination Solutions (LOS) streamlines all these processes and offers a comprehensive solution which can help the Banks/Financial insitution originate Rural Loans/ Priority Sector and MSME loans while improving efficiency, mitigating risks and managing a borrowers efficiently.

Key Activities of Loan Origination Solution

For customers this will help to
  1. Create your loan application online through Portal or Mobile App
  2. Undertake verification of documents
  3. Generate Credit Information report
  4. Generate Alternate Credit Score
  5. Generate Loan application and credit information report

For Financial Institutions/NBFCs/Banks
  1. Get customer information, application, data and credit information, reduces customer origination cost
  2. Prevent information asymmetry and errors
  3. Customer shares data which helps in credit assessment
  4. Customer documents are verified online
  5. Customer Credit Information Report readily available
  6. Properly documented LOACR for credit decisioning

Loan Management Solutions

Our Online Loan management solution is directed towards Rural Financial Insitutions which can act as a one stop place for customer information, repayment schedule generation, product management, collections details, reconciliation, integration to develop profit and loss statement. It automates the whole process while reducing the iterative manual work, keeping closer track of portfolio in highly cost efficient manner.

It would help Rural Financial institutions/NBFCs/MFIs to take advantage of our efficient & effective solution. The comprehensive loan management solution shall facilitate banks and financial institutions to automate the process for achieving cost savings and for better customer experience.

We deliver digital enabled lending processes especially for Rural India that shall lead to improved productivity, efficient data management process, better customer management, readily refer portfolio and collections analytics as also ensure better customer experience, throughout the entire loan Management cycle.

Our online Loan Management Solution helps Cost Reduction of customer and Faster Loan Approval using Cutting Edge Technology. It is focussed on Rural India, Priority Sector Lending and is available in vernacular language.

Artificial Intelligence and Machine Learning

At ValueFin we are trying to drive innovation in Financial Services delivery especially Credit Delivery in Rural and excluded areas through use of digital intelligence. It is now being recognized that technology can improve operations, reduce costs of customer acquisition, customer service and increase customer satisfaction. This is now opening up new avenues for banking, NBFCs and insurance companies

AI and ML can make it possible to provide consumers with financial services that automatically lets them decide a suitable style of managing money, spending, saving, and investing. AI and ML can play an important role in fraud detection, anti money laundering and compliance management.

AI and ML ensure that all policies, regulations, and security measures are being sincerely followed while designing and delivering any financial service.

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More Features

Blockchain Technology

At ValueFin India we are working on Blockchain technology that allows financial institutions to create direct links and interface with each other, avoiding correspondent banking. At the most basic level, blockchain is literally just a chain of blocks where “Blocks” are made up of digital pieces of information. Each of these blocks store information that distinguishes them from other blocks. Blockchain could lay the foundation to build solutions that could potentially help banks and financial insitutions dramatically reduce processing costs and ensure tighter security.

Robotic Process Automation (RPA)

At ValueFin we are working on Robotic process automation (RPA), an emerging form of business process automation technology based on the artificial intelligence (AI) and Machine Learning (ML). RPA systems can help create an action list by watching the user perform a task and could help in evolving “software robots” to handle repetitive tasks traditionally handled by humans.

AgTech- Future Agri

ValueFin is working on AgTech technologies - especially software technology that can bring in innovation, efficiency, productivity in Agriculture field by better usage of resources. AgTech as an initiative encompasses both software and hardware solutions, that has potential to enable every step in Agri Value Chain and Food production. Our AgTech innovations are under "Tech Assisted Farming," "New Farming," and "Next Gen Farming." It includes water management, soil analytics, IoT devices and predictive analytics

Digital Financial Inclusion

We wish to provide solutions that enable access to financial services especially to Rural enterprises, Agri-enterprises, Small businesses, Farmer Producer Organisations (FPOs), Producers and individuals, at an affordable rate. Digital finance may extend the benefits of economy by increasing access to finance/credit to the excluded and unreached section of society by reducing the cost of financial intermediation for banks, NBFCs and Fintech providers.



Opening for Internship, Management Trainees & Professionals in Mumbai & Hub Offices who are passionate and innovative.

  • Financial Technologies
  • Finance & Accounting
  • Database Manager
  • Full-Stack Web Developer
  • Web Design and Development
  • Data Scientist
  • Machine Learning & AI
  • Digital and Social Marketing



Drop us a message with your CV on career@valuefin.in

ValueFin India Technologies and Services | Bridging Digital Gap with Rural India

ValueFin India Technologies and Services Private Limited, is nextgen digital solutions company that is focused on empowering Rural India through cost effective Digital Solutions. We provide a wide range of Solutions for Banking and Financial Services that help promote Digital inclusion & enable credit delivery services in Rural & Semi Urban India. Our services include cloud based digital loan origination and loan management system, Credit information services, AgTech Solutions, AI and ML based services.

ValueFin Technologies and Services Private limited, is promoted by Manoj Rawat, who is a B.Tech (Gold Medalist) with Honours, Master of Engineering (ME), MBA in Finance and CAIIB. He has rich experience of working across wide range of sectors at prestigious organisations in leadership roles. He is an accomplished banking and financial services professional with keen interest in next gen technologies. Manoj brings with him more than two decades of hands on experience and a strong passion to work for Rural India. He has built a highly competent team of professionals and sector specialists.

ValueFin India Technologies and Services Private Limited
102, Madhava
Bandra Kurla Complex
Bandra (East), Nr. Family Court, Mumbai, Maharashtra
India - 400051


022 - 49 74 75 00

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