80%
Reduction in loan TAT
3x
Improvement in conversion
60%
Cost reduction per loan
100%
Regulatory compliance
Key Use Cases
Comprehensive digital signing solutions for retail banking operations
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Personal Loan Origination
Enable end-to-end digital loan processing with instant approvals. Customers can sign loan agreements, KYC documents, and disbursement authorizations from any device with Aadhaar eSign or OTP-based authentication.
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Home Loan & Mortgage Processing
Streamline complex mortgage workflows with multi-party signing. Handle property documents, co-applicant signatures, and integrated eStamping for state-specific compliance requirements.
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Auto Loan & Vehicle Finance
Accelerate vehicle financing at dealerships with real-time digital signing. Enable hypothecation agreements, insurance assignments, and dealer financing workflows with complete audit trails.
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Credit Card Issuance
Enable instant credit card approvals with digital agreement signing. Support co-branded card partnerships with automated welcome kit delivery and instant card activation workflows.
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Savings Account Opening
Transform account opening with Video KYC integrated eSign. Enable customers to open accounts remotely with Aadhaar-based verification and instant account activation.
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Consumer Durable Finance
Enable point-of-sale financing with instant credit decisions. Support retail partner integrations, digital mandate registration (eNACH), and automated EMI collection setup.
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MSME & Business Banking
Digitize small business lending with GST-linked credit assessment. Enable digital signing of working capital agreements, overdraft facilities, and business account documentation.
Key Capabilities
Purpose-built features for retail lending at scale.
Aadhaar eSign v2/v3 integration with OTP-based authentication for instant, legally valid signatures across India
Integrated Video KYC with face match, liveness detection, and geo-tagging for complete digital onboarding
NeSL-integrated eStamping for loan agreements with automatic duty calculation and state-wise compliance
Digital mandate registration (eNACH) for automated EMI collection with NPCI-compliant workflows
Pre-built integrations with leading Loan Origination Systems (LOS) and core banking platforms
Why emSigner for Retail Banking
Built for India-scale consumer lending
Instant Disbursement
Enable same-day loan disbursement with fully digital documentation. No more waiting for physical signatures or document collection.
Mobile-First Experience
Optimized for smartphone signing with WhatsApp delivery, SMS notifications, and intuitive touch interfaces for rural and urban customers.
Regulatory Compliance
RBI-compliant digital lending workflows with built-in audit trails, KYC verification, and tamper-evident documentation.
Reduced Drop-offs
Minimize customer abandonment with seamless signing experiences. Support for resume-later workflows and assisted signing for complex cases.
Fraud Prevention
Multi-factor authentication, face verification, and device fingerprinting to prevent identity fraud and ensure signer authenticity.
Scale Ready
Process millions of loan documents monthly with enterprise-grade infrastructure. Bulk signing and automation for high-volume operations.
Flexible Deployment Options
Cloud SaaS
Quick deployment with pay-per-use pricing. Ideal for NBFCs and fintechs looking for rapid go-to-market.
On-Premise
Full data control within your infrastructure. Preferred by large banks with strict data residency requirements.
Hybrid
Best of both worlds with sensitive data on-premise and signing operations in the cloud.
