Lentra KCC (Subvention / Tatkal) Journey
Fast-Track Rural Credit. Fully Digital.
Fast-Track Rural Credit. Fully Digital.
Fully Compliant.
Lentra’s KCC Tatkal & Subvention journey offers a seamless self-serve and DIY experience, enabling Private Banks and PSUs to complete the entire loan process—from account creation to disbursement—within just 30 minutes. Whether you're targeting pre-qualified, pre-approved, existing, or new-to-bank customers, the platform supports straight-through processing (STP) of over 90% based on your credit and risk policies.
Built on a cloud-native, API-first, pay-as-you-use model, Lentra’s GoNoGo KCC solution simplifies the entire agri loan lifecycle—including leads, origination, underwriting, disbursement, servicing, and renewals. From crop-based to allied KCC loans, it automates complex processes like multi-facility applications and regulatory compliance, letting your teams focus on customer relationships, not paperwork.
Enable seamless on-field data capture and processing with a
mobile-first interface designed for Bank employees,
customers, DSAs, DSTs, and Banking Correspondents—
ensuring accessibility across rural and semi-urban locations.
Use built-in FTR checks and STP rules via BREx to auto-approve low-risk applications and move straight to disbursement.
Manage everything—from lead to renewal—on a unified
platform with Lentra LMS integration for seamless tracking
and servicing.
Microservices architecture supports high availability and allows real-time vendor switching without disruptions.
Go from prospecting to verification (KYC, land ownership
in select states via APIs), offer, and digital fulfilment through
eSign and automated disbursement—all within 30 minutes.
Leverage pre-qualified farmer bases through FPOs and Cooperatives to rapidly grow in targeted agri-lending regions.
Supports unsecured and subvention loans tailored
to both crop cultivation and agri-allied activities like
dairy, poultry, and fisheries.
Caters to both Existing-to-Bank (ETB) and New-to-Bank (NTB) individuals, with deduplication-based exposure checks and credit drop functionality for manual intervention when required.
Over 250 API integrations with digital golden
sources to validate KYC, credit, land records, and
fraud checks—enhancing decision-making accuracy.
Uses master-based Scale of Finance (SoF) and integrated Agri Land verification APIs—offering vendor switching flexibility to ensure accurate and consistent eligibility checks.
Enables third-party agents and partners to manage
sales journeys efficiently through pre-configured
access and workflows.
Offers a fully digital experience with integrated eSign and eStamp capabilities—accelerating disbursement and reducing paperwork.
