FINOX India
AI-powered, RBI-defensible loan management platform for Indian NBFCs. IRACP daily classification, GST integration, and PayU Money billing built-in.
RBI-defensible. Day one.
FINOX India ships with RBI compliance frameworks, IRACP classification, and Indian payment integration.
RBI IRACP Engine
Daily IRACP (Income Recognition, Asset Classification, Provisioning) automated classification for every loan.
- Daily DPD calculation
- SMA-0/1/2 classification
- NPA categorization
- Provisioning calculations
PayU Money Billing
Native Indian payment integration with UPI, NEFT, RTGS, and IMPS support.
- UPI payment links
- Auto-mandate (e-NACH)
- Bulk disbursement
- Reconciliation reports
SAMX AI · 6 Agents
Six specialized AI agents trained on Indian lending workflows and language patterns.
- Hindi & English support
- Onboarding agent
- Collections agent
- Compliance assistant
12+ Loan Products
Pre-configured for Indian lending products with regulatory templates.
- Gold loans · Vehicle loans
- MSME · Personal loans
- Education · Home loans
- Group/JLG loans
RBI Reporting
Automated regulatory reports for RBI, Credit Bureau, and tax authorities.
- CRILC reporting
- Credit bureau uploads
- GST returns
- TDS calculations
Multi-Tenant Architecture
Each NBFC tenant gets isolated database schema with zero cross-tenant data access.
- Schema-level isolation
- Tenant-specific configs
- White-label portals
- Custom branding
Four tiers. Pick the SAMX volume that fits your book.
Indian tenants are billed via PayU Money. Every tier includes the full platform — what changes is SAMX session volume, white-label rights, and SLA.
Starter
Single lender · Standard
- 5,000 loans
- Full loan management
- Accounting & payroll
- SAMX support chat
- 1 user seat
- 300 SAMX sessions/mo
- Community support
Growth
Most NBFCs start here
- 50,000 loans
- Everything in Starter
- SAMX onboarding agent
- SAMX collections agent
- Up to 10 users
- 1,000 SAMX sessions/mo
- Email + chat support
Enterprise
Multi-product, multi-state
- Unlimited loans
- Everything in Growth
- White-labeled portal
- Custom integrations
- Unlimited users
- 2,000 SAMX sessions/mo
- Priority support · 4hr SLA
Strategic
For large NBFCs
- Unlimited loans
- Everything in Enterprise
- Dedicated SAMX instance
- Single-tenant deployment
- 3,000 sessions included
- Named CSM
- Custom SLA
- Co-built feature roadmap