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Do what it takes to create innovative lending products

The data relating to the economic activity of self employed non-professionals are difficult to capture and over the years very little has been done to define formal parameters that can determine the credit worthiness of these people who are predominantly employed in the un-organised sectors like Vegetable Vendors, Retail Shops, Home repair services etc. However the need for credit in these sectors is acute to meet the daily working capital requirements of these individuals. But then being in the unorganised sector the demand for services fluctuates thus disrupting the cash flows of even the most organised of these individuals thus invalidating any credit histories that might have been built up. In the absence of a sound credit history Banks are wary of lending to this sector. The need for credit in these sectors has been met largely by private money lenders who lend money based on the faith they repose in a person. The accompaning terms of such lending activity are usually harsh on the individual. The lending rates are exhorbitantly high and the collections are usually on a daily basis owing to the operational nature of the unorganised sector. 


NBFCs can play a vital role in tapping this segment to provide short term liquidity or long-term financing by 

Monetising assets of an individual like Gold or free-hold land

Finance equipment for small scale industries

Finance stock in case of retail shop owners

Finance Commercial Vehicles

Tools for Non- Banking Finance Companies

Opportunities to lend should have a beneficial impact on the bottomline to take advantage of the interest arbritrage by offering financial services at a cost affordable to the customer. This is possible if the workflow in credit decisioning is automated and there is minimal manual intervention. Additionally there should be rigour in the credit decisioning to lower the incidents of fraudulent advances that can become Non Performing Assets (NPA's) . The AnyBank product suite provides tools to accomplish this.


COLE-Collections & Lending
CAPE - Delinquency and NPA Management
CARE - Call Centre and Service Requests
CASH - Financial Accounting
COMPUTE - Analytics
CARROTS - Loyalty Programs

The AB platform offers all these using BPM and RPA technologies on the internet cloud. BPM technologies allow you to change workflows to suit your processing whil RPA automates most routine tasks.

Why Choose Us?

Six Features To Improve Productivity

CRM of Your Dreams cheaper and faster than you Ever Imagined.

The anyBank suit has the capacity to process large volumes of data at lightnening speeds and at a cost that is a fraction of what you pay today. Its a fool prrof mechanism for automating your CRM and asset workflows. A comprehensive tool and platform to help you in your financial inclusion efforts.

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AB CAPS offers Banks and financial Institution a comprehensive toolkit to manage their Asset Portfolio is complements AB CAPS to offer seanless underwriting flows from Origination and Disbursement.

AB CAPS support Multiple Repayment types allowing you to Structure your loans and advances depending on the customer constitution.

Credit managers get a comprehensive view of the Structural history before authorising additional disbursals.

AB CAPS accelerated interest around process assures that your ROC completes in under 60 min.

AB CAPS supports various Banking formats to generate disbursal advice and Repayment to feed into the respective cleaning methods.

A comprehensive ROC and vault management allows you to track welcome letters,PDCS and other document artefacts.



Sastra Technologies is a technology firm that serves new age Fintech companies, Small Finance Banks, payment Banks, Banks, Non-Banking Financial Companies and Financial Institutions. Our philosophy is to develop products that are cost effective so that our clients derive value using them. For the last 7 years we have done so by embracing cloud technologies and developing unique capabilities that allow us to offer a value proposition that is unmatched in the industry today.