Rinora brochure · 2 pages, A4Download PDF

Customers come in. Ready loan files go out.

One loan system for NBFCs, co-operative banks and MFIs. Rinora brings borrowers in, checks them, prepares the credit file and runs the loan until closure, under the lender’s own name.

Bring customers in

Apply links for every ad, agent and partner. Each step of the form is saved.

  • Source of every lead
  • Pre-check score with the reason
  • Good leads become files automatically
  • Hindi WhatsApp reminders

Decide faster

Credit officers review a prepared file instead of building one.

  • Bank statement analysis and fraud flags
  • Credit memo written from the file
  • Policy rules without code
  • Two-person approval

Run the loan book

From disbursement to NOC, with accounts that always balance.

  • EMIs, prepayment, bounces, foreclosure
  • Early warning before SMA
  • Ledger, DPD and NPA reports
  • RBI inspection pack in one click

How a loan moves through Rinora

  1. OnboardOnline form, branch, DSA, e-KYC
  2. AssessBureau, bank and GST data
  3. DecideRules, credit memo, approval
  4. DisburseSanction, KFS with APR, e-Sign
  5. CollectEMIs, early warning, reminders
  6. ReportLedger, RBI buckets, audit trail

Six tools today. One Rinora.

What many lenders use now

  • Lead sheets and WhatsApp groups
  • Separate origination and loan management software
  • A statement analysis tool
  • Tally and Excel for accounts and RBI reports
  • Phone calls and diaries for collections

With Rinora

One login, one borrower record, one contract. Nothing is typed twice between teams.

Accounting entries export to Tally or your ERP, so finance keeps its own tools.

Rinora by Assentio Mentium Global Technology Pvt Ltd1 / 2
Your brand · your data · hosted in India

Live in about two weeks, next to your old system

Day 1Your brandName, logo, colours, your web address
Days 2–5Your rulesProducts, rates, fees, credit policy
Days 6–10Your loan bookExisting loans imported from Excel
Days 11–14Side by sideParallel run; switch when numbers match

What works today, and what connects on contract

AreaWorking in Rinora todayConnects on contract
CustomersApply links, lead source, pre-check score, automatic files, Hindi WhatsApp messagesSMS OTP with DLT sender ID, automatic WhatsApp
CreditStatement analysis, credit memo, rules engine, maker-checkerCredit bureaus, Account Aggregator, GST data
IdentityDocument upload and storageAadhaar e-KYC, CKYC, e-Sign, e-Stamp
MoneyDisbursement and EMI accountinge-NACH, UPI AutoPay, payouts
Books and RBILedger, DPD/NPA, bureau file, inspection pack, Tally exportDirect upload to bureaus and regulators

Pricing that matches your size

Pilot

One branch or product, fixed period
  • Brand and products set up
  • Lead engine and apply links
  • Loan book import, parallel run

Pay as you grow

Monthly fee per active loan
  • All of Rinora, all branches
  • Low cost while the book is small
  • RBI rule updates included

Enterprise

Setup plus yearly support
  • Your own servers if required
  • Core banking integrations
  • Named support team

Prices are shared after a short call about your loan types and book size. Provider charges for bureau, e-KYC, e-Sign, SMS and WhatsApp are billed at actuals. Loans are given by the lender, not by Rinora.

See it on your own loan product

Tell us your organisation and one product you lend. We set up a demo in your brand.

Contact
Prateek Shukla, Managing Director
Email
prateek.shukla@assentiomentium.in
Website
rinora.in
Company
Assentio Mentium Global Technology Pvt Ltd