One Application. 15+ Lenders. Up to 50% Faster.
Saral Funding centralizes access to 15+ banks and NBFCs — automated OCR checks, a zero-PII credit estimate, and status tracking over WhatsApp.
The same CIBIL read-out a lender sees, generated without ever collecting the borrower's PAN or Aadhaar.
turnaround
Vs. manual, branch-by-branch loan processing — automated OCR and rule-based validation.
Borrowers and business owners spend weeks navigating fragmented bank branch policies, manual document re-submissions, and opaque rejection rates. We codified lending criteria into an automated software platform.
“Borrowing in India has historically been trapped between opaque bank branch bureaucracy and high-interest predatory lenders. With Saral Funding, we engineered an AI-powered credit advisory layer that levels the playing field — giving borrowers transparent multi-bank access, automated OCR compliance, and real-time loan tracking right on WhatsApp.”
Manual OCR & High Document Defect Rates
Incomplete bank statements, skewed mobile phone photo KYC documents, and handwritten tax filings trigger manual back-and-forth re-submissions.
Automated computer vision OCR and rule-based compliance validation verify financial documents in seconds, eliminating documentation defects before bank submission.
Invasive PII Demands for Preliminary Credit Checks
Most aggregators demand mandatory Aadhaar, PAN, and full phone book access merely to give an indicative credit quote, triggering unwanted sales call spam.
Saral CIBIL Estimator evaluates credit behavioral patterns without harvesting Aadhaar or sensitive PII, delivering transparent scoring with zero privacy leakage.
Siloed Lending Criteria & Arbitrary Rejections
Applying to individual banks sequentially burns months. A rejection from one bank because of rigid collateral policies often closes doors across the board.
AI-based loan matching engine parallelizes eligibility against underwriting criteria across 15+ Banks and NBFCs, finding optimal product-policy fit immediately.
Opaque Status & Offline Disbursal Delays
Borrowers are kept in the dark after document submission, left calling branch managers repeatedly with zero insight into underwriting bottlenecks.
End-to-end digital tracker synced with WhatsApp Business API and web dashboards, providing automated real-time milestone notifications at every phase.
Empowering borrowers with transparent calculations before they submit a single document. Calculate exact monthly installments, estimate your CIBIL score band without PII, and assess institutional borrowing headroom.
Tools to Simplify Loan Acquisition
Instead of applying to one bank at a time and risking rejection, Saral matches borrower cashflow, collateral, and turnover metrics directly against active underwriting rulebooks.
Centralized Access to 15+ Banks & NBFCs
State Bank of India
ICICI Bank
Axis Bank
Bank of Baroda
Punjab National Bank
IDFC FIRST Bank
State Bank of India
Eliminating manual paperwork errors and achieving compliance with RBI digital lending directives in real-time, cutting traditional 3-week verification cycles by up to 50%.
OCR, e-KYC & RBI Compliance Validation Pipeline
Document Ingestion & Multi-Format OCR
Scanned PDFs, camera photos, and digital e-statements are parsed using computer vision. Table structures in 12-month bank statements are digitized with zero manual entry.
Empowering borrowers with instant status visibility directly inside WhatsApp. Get automated notifications when lenders review documents, run credit checks, or issue sanction letters.
Loan Tracking & Conversational AI Support
No endless phone calls or mystery branch delays.
Borrowers receive instant real-time alerts the second a bank reviews their file, requests an addendum, or issues a formal sanction. Our AI chatbot handles document upload clarifications, repayment schedules, and status inquiries 24/7.
Hello! 👋 Welcome to Saral Funding. Your MSME Term Loan request has been initiated with our institutional lender network.
📄 Automated OCR Check Complete: your bank statements & GST returns passed rule-based RBI compliance checks.
Great! Which banks have approved the in-principle terms?
🎯 In-principle sanction issued under the CGTMSE hybrid guarantee model — a formal offer letter is attached below.
Decoupled microservices deployed across AWS ECS Fargate, featuring hardware-isolated document vaults, real-time webhook routing, and automated compliance policy engines.
WhatsApp Business API Event Bus
< 200ms latencyTwo-way conversational channel allowing borrowers to submit document snapshots, track milestone approvals, and receive instant sanction alerts directly in WhatsApp.
AI-Driven KYC & OCR Ingestion Engine
Real-time extractionAutomated document classification and field extraction for ITRs, bank statements, and business registration certificates with zero manual data entry.
Predictive Analytics & Credit Risk Models
Instant evaluationEvaluates borrower cashflow resilience, repayment capacity, and credit behavior to match borrower profiles against the exact underwriting appetite of 15+ institutions.
Cloud-Native Multi-Bank Integration Layer
Multi-tenant routingHigh-availability infrastructure ensuring strict data isolation, zero leakage of borrower identity, and adherence to ISO-27001 data governance standards.
One reading, both ends grounded in figures already on this page: the manual baseline borrowers describe in the bottleneck ledger, and the fastest verified disbursal in our outcomes record — a ₹75 Lac home loan for Landsking Infra, closed in 15 days.
- Loan sanction & disbursal turnaround3–4 weeksAs fast as 15 daysUp to 50% faster
From CGTMSE hybrid guarantee structures to rapid 15-day prime mortgage disbursements, see how businesses and homeowners secured optimal funding terms.
Joshi Footwear
Shelendra Joshi · Owner, Indore, MP
Secured ₹1.50 Cr funding under the hybrid CGTMSE scheme. Business expanded production 3x within 12 months with lower collateral requirements.
Cell Site Engineering Works
Deepmala Kumawat · Founder, Indore, MP
Turned around multiple prior bank rejections into a structured ₹3.50 Cr approval, opening additional parallel bank credit lines up to ₹7 Cr.
Landsking Infra P. Ltd
Rahul Upadhyaya · Director, Pune, MH
Secured ₹75 Lacs home loan — ₹25 Lacs higher than initial lender offers — with zero processing fees and complete disbursement in just 15 days.
SEGRN Plastotech (OPC) P. Ltd
Feroze Bunglowala · Owner, Indore, MP
Secured commercial mortgage at 8.80% p.a., significantly below the prevailing 10–11% market benchmark, slashing lifetime interest obligations.
Sakshi Sales and Solution
Rajratan Loya · Founder, MHOW (Indore), MP
Unlocked ₹1.50 Cr working capital limit against collateral of only ₹50 Lacs, empowering the business to scale sales 4-fold over previous year.
Ready to simplify your loan acquisition journey?
Compare real rates across 15+ banks, estimate your CIBIL score with zero PII, or speak with a dedicated Techdome financial solutions advisor today.