https://esthenos.com

eSthenos | ...don't worry...our sleeves rolled-up! eSthenos | ...don't worry...our sleeves rolled-up! × Operating System of EV financing! A fully integrated, API-driven platform that simplifies EV loan processing from origination to disbursal. Smart Credit Engine Real-time loan eligibility using alternate data, bureau scores, and risk logic. Omni-Channel Origination Mobile-first workflows for all users—offline ready. Plug & Play APIs Pre integrated with Banks, KYC, Credit Bureaus, PG and 100+ APIs. Dynamic EMI/Tenure Custom repayments: Monthly, Weekly, Fortnightly, or Daily. Dealers Onboarding Easy product onboarding, fee/incentive visibility, disbursement control. 100% Digital eKYC, eSign, OCR upload—zero physical paperwork. Real-Time Decisioning Instant offers via AI or rule engine—tuned per partner. Notifications SMS, WhatsApp, email reminders for everything. To Experience EVOS ask: +91 8025209690 enquiry@esthenos.com Built for NBFCs, Banks, EV Dealers, OEMs, and Ecosystem Enablers. ...don't worry...our sleeves rolled-up! Impact Platform Features Products Endorsement Endorsement Awards & Recognitions Industry Leaders Trust Us In the Limelight Team FAQ Career Contact Loans Sourced (in Cr) 35,500 Monthly EMI (in Cr) 700 Locations 1,300 Users 8,300 States 23 A complete tech platform for Banks | MFIs | NBFCs | FIs Download Live Demo Awards ISO/IEC 27001:2013 OUR PLATFORM Bring ultimate efficiency to your field force and aid in Senior Management Decision Making Cloud Experience a super fast and scalable onboarding without expensive capex Hybrid Store your core financial data on-premise while offloading heavy media to the cloud ON-PREMISE Custom installation and support for institutions that want the application in their own data centers Look Around our Platform eSthenos is an award winning, efficient & customer centric fin-tech platform trusted by well known financial institutions. We offer ‘designed by users’ CRM, Loan Origination System, Lead Management System, Underwriting Platform, Business Intelligence & Analytics Platform Our combined experience of more than three decades in the financial services & technology space helps us build applications which are loved by users. available in Android Must have Features Our platform & products promises to offer you something your business can’t compromise on Multi Language Supports all Indian language so that you can speak your customer's language Offline Support Ensure seamless operation even in the remotest areas Bank Grade Security With advanced encryption standards, we ensure all your transactions are routed seamlessly, safely and stored in the most secure environment Integrations The platform is integrated with Credit Bureaus, SMS gateways, e-KYC platforms and API based third party services Business Tracking Our custom dashboard offers you a unqiue insight into your business operations in real time Highly Scalable A future ready architecture that scales with your growing business PRODUCT FOR VERTICALS Our suite of products for your fin-tech need GRAVITY GROUP LOANS 'Gravity’ is our flagship Origination System & CRM platform for group & individual loans where all field level activities happen through the Android app & all back-end activities including Underwriting & monitoring flows through the web based platform. FOS INDIVIDUAL LOANS 'FoS’ is a Loan Origination, underwriting & CRM platform for SME loans, LAP, Housing, Affordable Housing, where multiple levels of credit decisions and Deviation matrix provides you ease of underwriting. HONOR COLLECTION 'Honor’ is an independent collection management & Attendance Tracking platform which helps organisation to have seamless collection at field level. Monitoring & maker checker ensures high quality of transaction. CO CO-ORIGINATION 'CO' is eSthenos co-origination platform which helps Banks & NBFCs to co-originate high-quality loans. It provides feature to onboard multiple partners with exclusive business rules for each partner. Platform can be integrated with multiple loan partners and thus enabling Banks / NBFC’s to manage lending across multiple partners on a single platform. BANYAN ANALYTICS 'Banyan’ is our integrated Business Intelligence & Analytics platform to help Organisations in efficiently managing and analysing its critical business information to offer tailor made product & services to end customer. LEADR LEAD MANAGEMENT 'LEADR' is a business lead generation & management platform which enables financial institutions to create Pipeline, increase Sales Productivity & Win Rate. Leads from all the channels at one platform. THEIA IMAGE PROCESSING 'THEIA' helps user organization in image processing, face detection and tagging of explicit content. It helps organization to reduce back office cost by substantial margin. THEIA helps in verifying information in Image viz a viz text [bank passbook, KYC, customer images etc.] and improves the TAT. ENDORSEMENTS Endorsement by our Partners recognizing our work, reflecting our importance to their Business Growth. Harish Raghu MD & CEO Saggraha Management Services Pvt Ltd eSthenos has a double edged technological design which suits users at frontend and integrating with high end workflow based process at backend. Arvind Muraraka Head IT Arohan Financial Services Pvt. Ltd. Gravity mobility suites from eSthenos has helped us in improving our productivity by 30% and average TAT for sourcing reduced by 45%. The intuitive user interface helped sales team to on-board a loan in less than 4 hours. Apart from going paperless, it has also helped us improve upon our data hygiene at the time of data capture by field force. AWARDS & RECOGNITIONS Awards National design awards 2018 (Finalist) AWS AI awards 2018 (Finalist) Accelerator Programs Finance Forward: South Asia 2019 JioGenNext: FinNext 01 2019 Industry leaders trust us In the Limelight FOUNDING TEAM The team who have successful track record of incubating, running, delivering big financial & IT projects Aniket Founder & CEO 10+ years of experience across various industries, financial services, technology and supply chain. Before eSthenos, he was leading Product & Ops teams for India Value Fund's portfolio companies in the Financial Services Space. He is an alumnus of IRMA Vijay Founder & CFO 9+ years of experience in the banking & financial services space. Before eSthenos, he was part of the Treasury & Financial Planning team for India Value Fund's portfolio companies in the Financial Services Space. He is an alumnus of Welingkar Institute, Mumbai & has cleared all levels of CFA, US FREQUENTLY ASKED QUESTIONS Some of the FAQ from your side, related to our platform & product offering and we love to answer those 1. Do you have dedicated product for secured loans like LAP (Loan against property) ? Our ‘fos’ platform is dedicated to all kind of secured loan, such as Housing, LAP, affordable housing etc. It’s also supports SME & small business loans which requires work flow-based underwriting in absence of proper credit history of probable borrower. 2. How strong is data security policy, for frontend & backend? a. At rest data is encrypted with bank grade 256-bit AES encryption. b. All services are ring fenced with defense in depth strategy. c. Customer data is placed on private machines with no access to the internet. Only trusted machines within the eSthenos network can access the database. d. Real time replication of database to prevent data loss along with configurable snapshot strategy. e. Real time log monitoring and alerting for detecting suspicious activity. 3. Do you offer disbursement kit/CAM sheet in local languages? We support most Indian languages on our platform. 4. Do you only have mobile application or web application also? The platform comprises a Mobile, Web application where all the activities which supposed to be done at field or on the go happens on mobile and the activities which needs to be done at office or branch level can be done using web application. 5. It is integrated with any Bank for API based disbursement? We offer API based disbursement directly to the customer account. 6. Is your platform integrated with eKYC platform? Yes, we have integration with multiple eKYC providers 7. Does the platform support cross sale products? Yes. Currently our partner organization offers 30+ cross sale products using ‘gravity’. 8. Do you integrate your platform with existing CBS/LMS? We support API / bulk file based integration with CBS/LMS. 9. Do you have separate analytics platform? ‘Banyan’ is our analytics platform. Currently its available with our flagship products only and our existing users can have access to it after subscribing to ‘banyan’ platform separately. 10. Does your platform support bank BC Partnership Model? Yes, it does support bank BC model and currently our platform is being used by some of the biggest BC Bank partners of the country for sourcing & collections management Join the team We offer you the opportunity to solve some of the most interesting challenges our society have which will be equally compensated by our team-driven culture and rewards for individual talent. Send your profile to us and we will call you back. enquiry@esthenos.com Get in touch ...don't worry...our sleeves rolled-up! eSthenos Technologies Pvt. Ltd. +91-80-2520 9690 enquiry@esthenos.com No. 2151, 2nd Floor, HAL 2nd Stage, 17th Main, Opp Indiranagar BESCOM, Bengaluru- 560008 (India) Copyright @ eSthenos Technologies Pvt. Ltd. all right reserved. Privacy Policy   Term of Service   Refund Policy Co-origination Co-origination is a new system introduced by RBI in the wake of the liquidity crisis in non-banking finance to enhance credit flow to productive sectors. The co-origination mechanism also gives the banking sector another avenue to meet their priority sector lending (PSL) requirements which include securitization, business correspondent model apart from direct lending. eSthenos - a frontrunner in solving financial business automation complexity has launched its plug and play co-lending platform for banks and NBFCs where it gets integrated with loan originating partners system and other hand with lending organization. It has already processed more than 10 millions of loan applications for its existing partners through the platform. eSthenos co-lending platform "CO" provides features to onboard multiple partners with "exclusive business rules" for each partner.zxxzxx1772818101https://esthenos.com

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