TruCap+ and TruBot Revolutionized Loan Processing Efficiency

The client is a prominent Indian Non-Banking Financial Company (NBFC) specializing in consumer finance. With a robust presence across urban and semi-urban markets, the NBFC offers a diverse portfolio of lending products tailored to meet the evolving financial needs of its customers. Key offerings include two-wheeler loans, loyalty customer loans—which serve as top-up loans for existing borrowers—and loans against property for both individuals and commercial clients.

The Challenge: Compliance Vulnerabilities

With hundreds of loan requests arriving daily, the NBFC was under growing pressure to manage a high volume of sensitive customer data—bank details, personal identification, and income documents. The loan eligibility verification process was entirely manual, requiring employees to spend nearly five minutes on each application. This bottleneck meant only a limited number of requests could be processed in a day, resulting in an increasing backlog and operational fatigue.

From the perspective of the Chief Information Officer (CIO), the challenges were multi-dimensional. Manual handling increased the risk of human error, data misplacement, and compliance breaches. The lack of process automation also constrained scalability, made resource allocation inefficient, and delayed customer response times—directly impacting service quality and operational KPIs.

The CIO recognized that continued reliance on manual processes would not only hamper customer satisfaction but also threaten the NBFC’s ability to grow sustainably. The organization needed a technology-driven solution that could accelerate loan processing, ensure data accuracy, and safeguard customer information—while enabling teams to focus on more strategic and value-added tasks.

The Solution: TruCap+ & TruBot: Smart Automation for Efficiency

Understanding the complexity and scale of the NBFC’s loan disbursal operations, Datamatics experts conducted a detailed assessment of the organization’s existing infrastructure and workflows. Their analysis revealed a clear opportunity for automation—not just to streamline operations, but to enable the business to scale securely and efficiently.

Datamatics proposed an intelligent automation solution powered by its proprietary tools: TruBot, a Robotic Process Automation (RPA) platform, and TruCap+, an advanced Intelligent Document Processing (IDP) solution.

The NBFC typically received daily loan requests in the form of Excel files stored in a predefined folder. With TruCap+, the data from these files—spanning multiple fields—was automatically extracted and structured. TruBot then took over, validating the extracted data and checking customer eligibility criteria in real-time, without any manual intervention.

This seamless integration of TruBot and TruCap+ not only eliminated manual data entry but also ensured faster, more accurate processing of loan applications. The automation framework was scalable, secure, and tightly integrated with the NBFC’s internal systems, laying the foundation for a fully digitized, high-performance lending operation.