Sugam for Loan
Origination System (LOS)
A powerful, web-based Loan Origination System built to transform the lending experience for NBFCs, banks, and fintech companies. From lead generation to final disbursement, Sugam streamlines every stage of the loan lifecycle—boosting speed, accuracy, and compliance.
Complete Digital Lending Solution for NBFCs, Banks & FinTechs
Sugam LOS is a web-based, end-to-end Loan Origination System designed to automate and streamline lending operations for financial institutions, NBFCs, and fintech companies. By digitizing the entire loan lifecycle—from lead capture to disbursement—Sugam enhances operational efficiency, reduces turnaround time (TAT), and ensures regulatory compliance, delivering a seamless experience for lenders and borrowers alike.
Watch Demo
Discover how Sugam LOS simplifies the entire loan origination journey — from lead to disbursement — with efficiency, compliance, and seamless digital workflows.
Why Sugam LOS is the Ultimate Loan Origination Solution ?
In today’s fast-paced lending landscape, you need more than just software—you need a complete digital ecosystem that handles every step of loan processing smarter, faster, and safer. Here’s why Sugam LOS is the #1 choice for modern lenders:
AI-Powered Customer Journey Automation
Bucket-Wise Case Flow & CRM Workflow
45+ API Integrations with Auto-Failover
AI Credit Scoring + BRE Rules
End-to-End Disbursement Tracking
Enterprise-Grade Security
Sugam LOS – Feature Highlights
Empowering Loan Journeys with Speed, Simplicity, and Compliance.
Seamless Lead Capture
Sugam LOS offers real-time lead capture from multiple sources—branches, DSAs, mobile apps, and websites. It smartly assigns leads to executives based on branch, product type, or predefined rules, ensuring no opportunity is lost. With automatic follow-ups and status tagging, every lead is trackable and conversion-ready.
Frictionless Document Management
Forget paperwork chaos. Sugam LOS allows field staff or customers to upload documents via mobile or web. Features like document checklist, OCR support, and auto-verification simplify compliance and accelerate processing. All documents are securely stored and easily retrievable.
Smart Credit Underwriting
Sugam LOS empowers lenders with rule-based underwriting logic, integrated bureau reports, and custom scorecards. You can configure risk parameters, automate eligibility checks, and reduce human errors. The system supports real-time credit decisioning while maintaining audit trails.
Approval Made Easy
Designed for speed and transparency, the approval engine allows multi-level checks with real-time notifications. Branch heads, regional managers, or credit officers can review, comment, and approve applications on-the-go. Every action is logged for complete accountability.
Powerful Dashboards & Reports
Make informed decisions with Sugam's powerful analytics tools. Get real-time dashboards, approval TATs, lead-to-loan conversion rates, and branch-wise performance metrics. MIS reports are auto-generated and export-ready—helping you stay ahead of operations.
Awards and Acknowledgements
Sugam has been recognized by industry leaders and financial institutions for its innovation, performance, and impact in the digital lending ecosystem.
What Our Clients Say
Discover why businesses trust us to deliver exceptional results and innovative solutions
Parmeshwar Sahu
CEO, Tech Solutions
"Very satisfied with the work quality and timely delivery. The communication was clear throughout the project and the final output exceeded our expectations. Their attention to detail and professional approach made all the difference."
Frequently Asked Questions
What is Sugam – LOS?
Sugam – Loan Origination System is a powerful, web-based platform that simplifies and automates the loan application, verification, approval, and disbursement process. It enables NBFCs, banks, and financial institutions to manage loan requests seamlessly from start to finish.
Who can use Sugam – LOS?
Sugam – LOS is designed for NBFCs, microfinance institutions, banks, and other lending organizations looking to streamline their loan origination process, reduce paperwork, and improve approval turnaround time.
What types of loans can be processed in Sugam?
Sugam – LOS supports multiple loan categories, including personal loans, business loans, vehicle loans, gold loans, mortgage loans, and more. The system can be customized to match your organization's specific product requirements.
Does Sugam – LOS integrate with credit bureaus?
Yes, Sugam – LOS integrates with leading credit bureaus to enable instant credit checks, helping lenders make faster and more informed decisions.
Is Sugam – LOS accessible on mobile devices?
Yes, Sugam – LOS is responsive and works on desktops, tablets, and smartphones, allowing your field agents and back-office teams to work anytime, anywhere.
What are the key benefits of using Sugam – LOS?
Sugam – LOS reduces processing time, minimizes manual errors, improves compliance, and provides a transparent, trackable loan journey. With built-in reporting and analytics, lenders can make data-driven decisions and enhance customer satisfaction.
Our Values
We combine innovation, experience, and 24/7 support to deliver high-quality IT solutions that power your business forward.
Innovation
We constantly push boundaries and explore new technologies to deliver cutting-edge solutions.
Excellence
Quality is at the heart of everything we do from code to customer service.
Collaboration
We work closely with our clients as partners to achieve shared success.
Agility
We adapt quickly to changing needs and deliver solutions with speed and precision.