Saralya

Making Lending Saral for Bharat .

01 · Architecture
Modular & API-first

Pick one module or run the full stack. Every endpoint exposed as REST + webhooks.

02 · Intelligence
BFSI banking-LLM

Trained on anonymised Indian banking data. Tuned on RBI directions. Inference inside India.

03 · Deployment
Works with existing systems

Plugs into your CBS, FinnOne, Lentra. Keep what you have. Add what you need.

Modular & API-first · powered by a banking-LLM trained on Indian banking data · runs on your current systems.

Get free diagnostic
Free tech & compliance read for your NBFC · public data only
BFSI Trained Model
Trained on BFSI data.
Data security and Privacy
Private by default.
Built by operators
4+ decades of experience. 200+ banks of pedigree.
Overview · Benefits

Organization level-up: Transforming operations. Elevating experience. Minimizing risk.

Four outcomes Saralya is built to deliver. Hover to read — or tap on mobile.

Benefit 1

Maximise ROI from agentic AI.

Built ground-up for Digital Lending. Trained on actual BFSI data so analyses are accurate to your reality. Plugs into the systems and tools you already use — without forcing a rebuild.

  • › Built ground-up for Digital Lending. Trained on actual BFSI data, not generic web text.
  • › Works with your existing stack. No rebuild. No replace. APIs into FinnOne, Lentra, your CBS.
  • › Built-in security & governance. Auditability, RBAC, DPDP, SOC 2 in progress.
  • › Modular & hybrid. Start with one area — collections, fraud, EWS — and expand on your timeline.
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Benefit 2

Massive improvement in KPIs.

Approve loans through straight-through processing (STP) in less than 5 minutes.

  • › Approval rate — lift conversion on STP-eligible files.
  • › Cycle time — cut origination TAT from days to hours.
  • › Application investigation rate — faster RCU triage with day-1 anomaly tagging.
  • › Peer benchmarking — every KPI sits next to anonymised ML NBFC median.
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Benefit 3

Boost team productivity.

Free your team from manual rework. Empower judgement, not data wrangling.

  • › Remove manual activities — teams focus on judgement, not chasing files.
  • › Empower teams with analysis tools that surface insights they can act on.
  • › Insights across product, channel, geography, vintage and ticket size cohorts.
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Benefit 4

Reporting & compliance.

Tighter controls. Cleaner audit trail. Inspection-ready in 4 clicks.

  • › Tighter compliance and reporting controls across the organisation.
  • › Track adherence to mandatory steps across verticals and branches.
  • › Identify root causes — cohort-level breaks in process compliance.
  • › Trigger remediation workflows and improvement initiatives.
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Compliance & security

Built for inspection.

Compliance is not a feature shipped after MVP. It is the architecture of the platform. Every module is built against current RBI Master Directions and the DPDP Act 2023.

RBI alignment
MD-FRM (Jul 2024)

Fraud Risk Management Directions, including 21-day Show-Cause Notice workflow per SC ruling in SBI vs. Rajesh Agarwal.

RBI alignment
DLD 2025

Digital Lending Directions. LSP contracts, DLA registration on CIMS, KFS delivery, fund-flow rules, cooling-off period.

RBI alignment
90-day NPA · Apr 2026

Base Layer NBFCs transitioning to 90-day NPA recognition. Saralya reporting and dashboards already pre-aligned.

Data protection
DPDP Act 2023

Notice, consent, purpose limitation and data principal rights. Workspace data isolated. Right to erasure honoured at the row level.

Security
AES-256 · TLS 1.3

Encryption at rest and in transit. RBAC with field-level masking. Maker-checker on sensitive operations. SSO and MFA available.

Audit
Immutable trail

Every mutation logged with actor, timestamp and before/after state. Inspection-ready in 4 clicks.

Free

Get a
diagnostic for
your NBFC.

We build a tech and compliance read for your NBFC: your published numbers vs. anonymised peer median across eight metrics. Built from public filings only. Yours to keep, with or without a follow-up conversation.

  • · No commitment, no meeting required
  • · Public data only — we never ask for your portfolio
  • · Delivered as a PDF to your work email
  • · Same format we have built for Aye Finance, Paisalo, CSL Finance and others
By submitting, you consent to Saralya emailing you the diagnostic. We will not share your details. DPDP Act 2023 aligned.