top of page
Loans Processing bg.jpg


Maneuver through Dynamic Market Conditions of Loan Processing and Innovate with End-to-end Lending Automation


Our intuitive technology for lending software updates institution architecture with automation for an end-to-end origination cycle. Our Loan Processing Software configures existing systems for present-day deliverables as well as for future up-gradation.

Crismac LOS.jpg


Loan Origination System

Our system applies automated appraisal functionalities of extant business logic for loan disbursal. End-to-end automation assists in a scientific approach for loan assessment using a number of systems for Retail Loans, MSME Loans, Corporate Loans, and Agriculture Loans.



Automate the loan origination process while adhering to the newest Regulatory Compliance guidelines. Covering the complete loan cycle from appraisal till disbursement CRisMac LOS is driven by automation applications that ease manual labour and decrease inefficiencies.


The system is developed for centralized application and involves no paperwork at any stage. The software creates a workflow that enables business users to process and sanction loans at different levels in a Bank’s hierarchy with easy-to-use dashboards.

Overview LP

CRisMac Loan Origination System

Medium/Small-Medium Enterprises

Automate data collection, financial analysis, risk analysis, credit note, and sanctioning for Small & Medium Enterprises (SMEs) along with various internal checks and methods of calculations. Our software meets the challenge of reducing processing costs and ensuring ROI.

CRisMac Loan Origination System

Easy Loans Solution for Retail Lending

A workflow based system for easy monitoring of various stages of Retail credit deployment – loan application, collection, pre-sanction processing, and sanction of loans.

CRisMac Loan Origination System


CRisMac KrishaK is an innovative product facilitating exclusively structured rural credit appraisal, addressing risk assessment for both borrower and lender.

Features of CRisMac Loan Origination System

Financial Report

CIBIL Reporting

Automate reports for details of credit and loan related data about individuals and companies for the TransUnion CIBIL (Credit Information Company (Bureau)). In doing so, RBI can easily generate its products and services on the basis of the automated reports.


The CIBIL Text file format describes how to report consumer information to the Credit Information Bureau (India) Limited (CIBIL). Easily automate the format for the segments that contain specific types of information and details.

Features LP

Advanced CIBIL Reporting

It is statutory for all Banks to submit monthly data of advanced accounts to the Credit Information Bureau (India) Limited, commonly known as CIBIL.


Our CRisMac CIBIL Reporting Automation Software and CRisMac Advanced CIBIL Reporting Automation Software is used by a number of Nationalized and Private sector Banks for submissions.

Advanced Cibil Reporting.jpg

CRILC Reporting

Automate reporting for the Central Bank’s (RBI) Central Repository of Information on Large Credits (CRILC) that collects, stores, and disseminates credit data to lenders. Our reporting software allows Banks to assimilate data and furnish credit information to CRILC on all their borrowers having aggregate fund-based and non-fund based exposure of Rs. 5 crores and above.


Similarly, Banks are required to report, among others, the SMA status of the borrower to CRILC, for which we have provisions.

CRisMac SMA | Special Mentioned Accounts

The Reserve Bank of India has issued guidelines titled “Framework for Revitalizing Distressed Assets in the Economy – Guidelines on Joint Lenders’ Forum (JLF) and Corrective Action Plan (CAP)” for the classification of defaulting large borrower’s accounts as Special Mention Accounts (SMA) and the subsequent corrective actions.


CRisMac SMA 2 Tracking Module provides for Banks to strengthen the monitoring functionalities, as well as implement follow-up of such borrowable accounts as per the directions of the RBI.

indas Key differentiators.jpg

Advanced CKYCR

Advanced CKYCR application enables implementation of Reserve Bank of India (RBI) initiated ‘Central KYC Repository (CKYCR)’ at Banks and other Financial Institutions.

Key Differentiators of CRisMac LOS System


CRisMac Centralisation 

Data Integration System

CRisMAC Centralisation, a proprietary product of D2K technologies, is built to integrate with several modular banking solutions for NPA Management and Asset Classification Data. Some of the primary use cases of CRisMAC Centralised banking solution are data collation, validation, and data integration for report generation from multiple sources in a CBS-based environment.


CRisMac IRAC Norms

IRAC Norms and Asset Classification

Our module runs risk computations based on external credit ratings and RBI’s defined risk weight factors after taking consideration of CRM (Credit Risk Mitigation) securities. Improvements for the method of IRB (Internal Risk Based) system is included for future adaptation of new modules.

Our Services

Our services inform, upgrade, and deliver value for real-time business overviews.

Cloud Implementation Card.jpg

Cloud Implementation

Introduce cloud implementation modules for cost-effective integration of new tech. solutions.


Solution Architecture

Align Tech. upgradation strategy with the three IT stakeholders – business executives, lines of business leaders, and IT leaders.


Sign up for Insights

Critical Technology and Transformative Insights

Join thousands of Digital Transformation Leaders in receiving insights on Digital Finance and Banking, Analytics, and more.

Thanks for Subscribing!

bottom of page