Modular & API-first
Plug-and-play modules
Onboarding
Live
Underwriting
Live
EWS
In development
Collections
Live
Making lending Saral
The enterprise‑grade operating system for lenders
The intelligence layer behind every lending decision.
Every lending decision
ApprovePriceVerifyDisburseCollect
Saralya · intelligence layer
Credit Machine Learning models (CML)AI agents
Core bankingLOS / LMSBureauAccount AggregatorExcel & WhatsApp
Your existing systems
Architecture
Saralya Credit ML Model
Trained on Indian banking data.
Three signals, one score
Primary
Bureau + GST
Alternate
Bank statements
Behaviour
Voice & intent
Zero-disruption overlay
Agents beside your stack
Your LOS / LMS
System of record
⇄ 2-way
Saralya agents
System of intelligence
Trusted by Indian lenders
Built for leaders who demand precision
SPQMBusiness health
Sep 2026Sample data
AUM
₹1,240 Cr
+18% YoYDisbursals
₹86 Cr
92% of planNIM
7.9%
−0.3 pts QoQGross NPA
2.1%
−0.2 pts QoQDisbursals vs plan · ₹ Cr
AprMayJunJulAugSep
Actual Plan
SInsight: Disbursals 8% behind plan. Indore and Nagpur drive the gap.
The problem
21st-century capital. 19th-century cockpit
What it looks like on the floor
Time per file
Rework %
Error rate
CAC per file
You can’t measure your field
Lead›
Login›
Credit›
Ops›
Payout
Every decision runs on people
Policy exceptionsLocal market senseFraud patterns
Your best judgement walks out the door
LOS
₹1,236 Cr
Excel
₹1,241 Cr
MIS deck
₹1,229 Cr
Core
₹1,238 Cr
WhatsApp
₹1,244 Cr
Email
₹1,233 Cr
Six versions of the truth
All of this leads to
Pressure on NIM
Funding stays costlyBanks undercut on price
CAC ↑
+Productivity ↓
+Delinquency ↑
=Margin ↓
Unit economics under pressure
Scaling gets harder
The solution
Saralya OS
The OS that improves with every lending decision: from a system of record to a system of intelligence.
Source
Acquire
Underwrite
Disburse
Engage & monitor
Collect
SharedBorrower profile
1Saral ProfileOnboarding · like your sales officer
Fills the application with the borrower by voice, no typing.
Fewer repeat visitsLower CAC
Step 1 of 5
Every problem, fixed at the source
Today
Field unmeasured
With Saralya
Every file and visit tracked
Productivity ↑
Today
Decisions run on people
With Saralya
Agents prepare, people decide
Margin ↑
Today
Judgement leaves with people
With Saralya
Judgement built into the CML
Risk ↓
Today
Six versions of the truth
With Saralya
One borrower profile, one number
Engagement ↑
Making lending Saral
Ready to transform your lending?
- 30 minutes
- Built on your KPIs
- Under NDA