Lead intake, document capture, video KYC with liveness & geo-verification, 4-bureau pull, deep RCU/FCU risk screening, underwriting with e-agreement, and disbursement — one continuous case file.
New Lead
Case created the moment a lead lands — from the website, a field RM, or the LMS.
Please fill in customer name, mobile number and loan amount to continue.
Document & ID Capture
RM / customer uploads documents and enters ID numbers for the KYC engine to pick up.
Enter a valid 12-digit Aadhaar & PAN, and upload all required documents to continue.
Video KYC — Liveness & Geo-Verification
Live video session: agent runs a liveness challenge and captures the applicant's real-time location during the call.
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Press "Start Camera" to activate your webcam
Camera not started
Latitude—
Longitude—
Area / LocalityLooking up…
StateLooking up…
Source—
Captured at—
Document Extraction & Bureau Pull
Agent reads uploaded documents and pulls all four credit bureaus for a blended score.
KYC & Bureau Report Generated
CLEARED
Risk Intelligence & RCU/FCU Screening
Digital risk signals, e-RCU, and — where sampled — field verification, ending in one consolidated report for underwriting.
RCU field sampling for this case:
Triggered
Digital Risk Intelligence & e-RCU (every case)
🎥 Digital PD — Live Video Call
Agent starts a live call with the applicant to conduct the Personal Discussion. Your camera is real; the customer side is simulated for this demo since a live two-party call needs a calling backend (e.g. Twilio/Agora signaling) that a standalone file can't host.
Not connected
Customer — not connected
RCU Field Verification (sampled cases only)
🏢 Verification Mode & Agency Assignment
Choose how this sampled case gets verified. Billing is computed automatically based on the mode and agency selected.
💻
Online / Digital Verification
Self-serve document + digital asset verification. No field visit, no agency cost.
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Internal RCU Executive
In-house RCU staff does sampling, asset verification & FI. Fixed internal cost, no external billing.
🏛
External Agency
Empanelled third-party agency conducts FI / legal / technical. Billed per agency's rate card.
📷 Live Field Capture (used during Field Investigation)
Field agent captures a site photo, a short walkthrough video, and tags the exact location of the visit.
Camera not started
No photo captured yet
No video recorded yet
Latitude—
Longitude—
Area / Locality—
State—
Tagged at—
RCU/FCU Report
RCU/FCU Consolidated Report
LOW RISK
Deliver this report
AI Lifestyle Intelligence — Behavioural & Affordability Analysis
🧠 9-Module AI Lifestyle & Affordability Engine
Reads authorized bank statement / transaction data to build a full financial-lifestyle picture — spending, travel, dining, digital subscriptions, cash behaviour and affordability — giving the RCU team richer context for the sampling and underwriting decision, beyond bureau & RCU checks alone.
AI Lifestyle Dashboard
Applicant summary & lifestyle overview
AI GENERATED
AI Recommendation
For RCU / underwriting review
LOW RISK
Underwriting Review & e-Agreement
RCU/FCU report received. Agent checks policy, income, and risk grade before generating the loan agreement.
Underwriting Decision
APPROVED
Loan Agreement — e-Sign
Borrower authorises L&T Finance to disburse the sanctioned amount to the registered bank account.
EMI auto-debit mandate to be registered on or before the first due date.
Prepayment and foreclosure attract charges as per the applicable schedule of charges.
This is a digitally generated agreement for demonstration purposes only.
I have reviewed and agree to the loan terms above.
Disbursement
Final step — sanctioned amount released to the borrower's registered account.
