CloudBankin
CloudBankin, operated by LightFi India Private Limited within the Habile Technologies group, provides a cloud-based digital lending SaaS platform — including LOS, LMS, vertical modules, and nine AI agents — to banks, NBFCs, MFIs, fintechs, and credit unions across nine geographies, primarily in India.
- Company typePrivate
- Founded2013
- HeadquartersChennai, India
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What CloudBankin does
CloudBankin is a Chennai-headquartered SaaS company, operated under LightFi India Private Limited within the Habile Technologies group, that builds cloud-based digital lending software for financial institutions. The platform combines a Loan Origination System (LOS) and Loan Management System (LMS) as its core, supported by an expanding suite of vertical-specific modules covering NBFC operations, microfinance (including SHG/JLG group lending), co-lending under the RBI 80:20 framework, Buy Now Pay Later, CKYC compliance, real-time credit bureau reporting, personal loans, and digital onboarding. The company claims 10-minute loan disbursement capability and SMS-based extraction of over 700 data points for alternative credit scoring, with the platform deployed across nine geographies.
In 2024 CloudBankin launched an AI Services portfolio of nine specialized agents covering credit underwriting, fraud detection, risk monitoring, document intelligence, repayment prediction, credit policy enforcement, collections automation, loan application virtual assistance, and cross-sell/upsell recommendations. The platform is delivered as cloud SaaS with mobile access, offline sync for field agents, an API (documented on Postman), and a wiki/help portal. It is ISO/IEC 27001:2022 certified and has accumulated multiple G2 awards in 2024, including Momentum Leader, High Performer, Best Support, Best Relationship, and Loan Origination System Leader.
The business runs on a hybrid SaaS subscription model with pay-as-you-go options for certain products such as microfinance; pricing is quote-based and not publicly disclosed. Go-to-market combines a product-led self-serve free trial with direct enterprise sales, supported by content marketing, monthly webinars, LinkedIn thought leadership under the #manispeaksmoney hashtag, and a YouTube channel. Customers span Banks, NBFCs, MFIs, Fintechs, Credit Unions, and Urban Cooperative Banks. CloudBankin has no disclosed external institutional funding and is privately held under the Habile Technologies umbrella, led by Co-founder and CEO Mani Parthasarathy alongside four other co-founders.
CloudBankin firmographics
Firmographics- Name
- CloudBankin
- Legal name
- LightFi India Private Limited
- Website
- https://cloudbankin.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- CloudBankin, operated by LightFi India Private Limited within the Habile Technologies group, provides a cloud-based digital lending SaaS platform — including LOS, LMS, vertical modules, and nine AI agents — to banks, NBFCs, MFIs, fintechs, and credit unions across nine geographies, primarily in India.
- Ownership category
- akta.pro rank
CloudBankin industry classification
Industry- Product category
- Digital Lending Software
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)
- akta.pro secondary industries
- Pricing, Risk-Based Offer & Limit Management (FSAGAHAE), Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
Keywords
Where CloudBankin is headquartered
LocationHeadquarters
- HQ city
- Chennai
- HQ country
- India
- HQ region
- Asia
Offices1 record
Markets served
CloudBankin business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- SaaS Subscription: Cloud-based software-as-a-service subscription model for loan origination and loan management software. Financial institutions pay subscription fees to access the platform.
- Pay-as-you-go Model: Flexible pay-as-you-go pricing model mentioned for microfinance software, allowing institutions to pay based on usage or consumption.
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
CloudBankin product offering
Product offeringCore offering
CloudBankin sells a cloud-based, low-code digital lending SaaS platform that enables financial institutions (Banks, NBFCs, MFIs, Fintechs, Credit Unions) to originate, underwrite, disburse, manage, and collect loans end-to-end. The platform supports modules such as Loan Origination System, Loan Management System, Credit Rule Engine, Co-Lending, BNPL, Microfinance, CKYC, and Credit Bureau Real-Time Reporting, alongside a portfolio of AI-powered agents for underwriting, fraud detection, risk monitoring, document intelligence, repayment prediction, collection, and cross-sell/upsell.
Product overview
CloudBankin is an end-to-end cloud-based digital lending software platform developed by Habile Technologies. The unified platform comprises a core Loan Origination System (LOS) and Loan Management System (LMS) as the foundation, supplemented by specialized add-on modules including Credit Rule Engine, NBFC Software, Buy Now Pay Later Software, CKYC Software Solution, Co-Lending Software, Credit Bureau Real-Time Reporting, Microfinance Software, and Personal Loan Software. The platform also offers a portfolio of nine AI-powered agents (Credit Underwriting Agent, Fraud Detection Agent, Loan Application Virtual Assistant, Risk Monitoring Agent, Document Intelligence Agent, Repayment Prediction Agent, Credit Policy Agent, Collection Bot Agent, and Cross Sell & Upsell Agent) that automate specific lending workflows. Financial institutions including Banks, NBFCs, MFIs, Fintechs, and Credit Unions use the platform across nine geographies, with the ability to disburse loans within 10 minutes.
Differentiator
Problem solved
Functional benefit
Brands
- CloudBankin Loan Origination System: End-to-end cloud-based loan software for digital lending transformation with loan disbursement within 10 minutes.
- CloudBankin Loan Management System
- CloudBankin Credit Rule Engine
- AI Credit Underwriting Agent
- Fraud Detection Agent
- Loan Application Virtual Assistant
- Risk Monitoring Agent
- Document Intelligence Agent
- Repayment Prediction Agent
- Credit Policy Agent
- Collection Bot Agent
- Cross Sell & Upsell Agent
Products and services
- Loan Origination System (LOS) End-to-end cloud-based loan origination software for financial institutions including Banks, NBFCs, and MFIs that supports intelligent client onboarding, data collection, eKYC, documentation, and automated disbursement within 10 minutes.
- Loan Management System (LMS) Comprehensive cloud-based loan lifecycle management system encapsulating product creation, disbursement, repayment tracking, NPA management, rescheduling, loan closure, accounting, and reporting for financial institutions.
- Credit Rule Engine / Credit Decision Engine Software Cognitive credit decisioning engine for financial institutions to implement simple to complex credit policies with dynamic rule configuration that adapts to changing market requirements.
- NBFC Software Specialized software solution for Non-Banking Financial Companies covering regulatory compliance, lending operations, and NBFC-specific reporting requirements.
- Buy Now Pay Later (BNPL) Software Digital lending platform enabling BNPL functionality for e-commerce and retail financing with instant credit decisions and flexible repayment options.
- CKYC Software Solution Central Know Your Customer compliance solution for financial institutions to perform digital KYC verification, identity validation, and regulatory compliance.
- Co-Lending Software Platform enabling banks and NBFCs to jointly originate and service loans under the RBI co-lending framework (80:20 contribution ratio) with integrated workflow management, escrow handling, and reconciliation.
- Credit Bureau Real-Time Reporting Real-time credit bureau data submission and reporting solution integrated with major Indian credit bureaus for daily reporting and credit information updates.
- Microfinance Software Tailored software for Microfinance Institutions supporting group lending (SHG/JLG), individual loans, income generation loans, and emergency loans with multilingual and multi-currency capabilities.
- Personal Loan Software Specialized loan management module for personal loans with features for eligibility assessment, EMI calculation, and streamlined personal loan origination.
- AI Services Portfolio A portfolio of nine AI-powered agents including Credit Underwriting Agent, Fraud Detection Agent, Loan Application Virtual Assistant, Risk Monitoring Agent, Document Intelligence Agent, Repayment Prediction Agent, Credit Policy Agent, Collection Bot Agent, and Cross Sell & Upsell Agent that automate specific lending workflows for financial institutions.
Quantifiable outcome
- Loan disbursement within 10 minutes
- +2 more outcomes
Companies that use CloudBankin
Customer profileNamed customers1 record
Segments6 records
Ideal customer profiles4 records
CloudBankin technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability9 records
Feature15 records
CloudBankin partnerships and signals
Strategic signalScale indicators3 records
Recent moves5 records
Expansion highlights6 records
CloudBankin competitors and assessment
Company assessmentBroad incumbents
- Temenos: Temenos is a global banking software vendor offering core banking, lending, and wealth management solutions. Its lending suite competes with CloudBankin's LOS/LMS for banks and large financial institutions, particularly in international markets.
- Lending Solutions (FIS): FIS Lending Solutions is a broad loan origination and servicing platform from FIS, a large financial technology vendor. It competes with CloudBankin's LOS/LMS for banks and large lenders, particularly in enterprise contracts.
- Finastra: Finastra is a large global financial software vendor offering lending, treasury, payments, and capital markets solutions. Its loan origination and lending suite overlaps with CloudBankin's LOS/LMS for banks and large financial institutions, though Finastra operates across a much broader portfolio.
Emerging players
- Karza Technologies: Karza Technologies is an Indian fintech specializing in KYC, CKYC, credit bureau integrations, and decisioning data APIs. It directly competes with CloudBankin's CKYC Software Solution and Credit Bureau Real-Time Reporting modules in the Indian regulatory compliance space.
- Credgenics: Credgenics is an Indian SaaS platform for loan collections, recovery, and resolution management serving banks and NBFCs. It overlaps with CloudBankin's Collection Bot Agent and LMS collection workflows for the Indian lending market.
- Scienaptic AI: Scienaptic AI provides AI-powered credit decisioning and underwriting platforms for lenders, including credit risk decisioning, underwriting automation, and portfolio monitoring. It competes with CloudBankin's AI Credit Underwriting Agent and Credit Rule Engine capabilities.
Direct peers
- nCino: nCino provides a cloud-based Bank Operating System spanning loan origination, deposit account opening, and credit decisioning for financial institutions. It competes with CloudBankin's LOS and credit rule engine offerings, particularly in serving banks and large credit unions.
- Provenir: Provenir provides AI-powered risk decisioning and onboarding platforms for financial services, including credit decisioning, fraud detection, and onboarding workflows. It competes with CloudBankin's Credit Rule Engine and AI agent portfolio.
- Mambu: Mambu is a cloud-native SaaS platform for banking and lending, offering composable core banking, loan origination, and loan management capabilities. It directly competes with CloudBankin in the digital lending platform category, particularly for NBFCs and digital banks seeking cloud-native infrastructure.
- Perfios: Perfios is an Indian fintech providing credit decisioning, financial data aggregation, and lending automation APIs to banks, NBFCs, and fintechs. It directly competes with CloudBankin's credit rule engine and decisioning modules in the Indian market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
CloudBankin social profiles
Digital presenceCloudBankin compliance and trust
Trust signalCompliance1 record
CloudBankin financial estimates
Financial estimateRevenue estimate
Valuation estimate
CloudBankin leadership team
Management profileNumber of profiles
Profiles5 records
CloudBankin funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CloudBankin M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CloudBankin
What does CloudBankin do?
CloudBankin sells a cloud-based, low-code digital lending SaaS platform that enables financial institutions (Banks, NBFCs, MFIs, Fintechs, Credit Unions) to originate, underwrite, disburse, manage, and collect loans end-to-end. The platform supports modules such as Loan Origination System, Loan Management System, Credit Rule Engine, Co-Lending, BNPL, Microfinance, CKYC, and Credit Bureau Real-Time Reporting, alongside a portfolio of AI-powered agents for underwriting, fraud detection, risk monitoring, document intelligence, repayment prediction, collection, and cross-sell/upsell.
Is CloudBankin a public or private company?
CloudBankin is a private company. It is classified as corporate owned and is currently operating.
When was CloudBankin founded?
CloudBankin was founded in 2013. It employs 51 to 100 people.
Where is CloudBankin based?
CloudBankin is headquartered in Chennai, India, in the Asia region.
How does CloudBankin make money?
Two revenue lines are on record. SaaS Subscription is the primary driver. The others are pay-as-you-go Model.
Who are CloudBankin's main competitors?
Broad incumbents on record are Temenos, Lending Solutions (FIS) and Finastra. Emerging players are Karza Technologies, Credgenics and Scienaptic AI. Direct peers are nCino, Provenir, Mambu and Perfios.
Does CloudBankin have an API?
Yes. CloudBankin provides a public API for lenders to integrate their lending platform. API documentation is available via Postman. The platform supports digital lending API integration for loan origination, disbursement, and management workflows. Developer documentation is at www.postman.com/flight-explorer-46821107/cloudbankin-document/request/yr7wt4i/cloudbankin-api-docs?action=share&creator=31275132.
What industry is CloudBankin in?
CloudBankin's product category is Digital Lending Software. Its primary akta.pro industry code is FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking), with a secondary code of FSAGAHAE, Pricing, Risk-Based Offer & Limit Management. Its NAICS code is 522 and its SIC code is 6159.