Empower your NBFC with a unified digital infrastructure for disbursements, collections, mandates, and reconciliation.

Viyona provides a complete payment ecosystem designed to support the full lifecycle of NBFC lending operations.
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What This Bundle Covers

Disbursement Infrastructure
  • Instant loan disbursements via IMPS & UPI
  • Real-time fund transfers to customer accounts
Collection & Repayment Stack
  • eNACH for EMI auto-debits
  • UPI Autopay for recurring collections
  • BBPS for structured payment collections
Payment Orchestration Layer
  • Smart routing across multiple banks and payment channels
  • Improved collection success rates
UPI & Instant Payment Enablement
  • UPI Switch integration for real-time transactions
  • Support for intent, collect, and QR-based payments
Reconciliation Engine
  • Automated matching of disbursements, repayments, and settlements
Fraud Risk Management
  • Real-time monitoring of suspicious transaction patterns
API Gateway Layer
  • Secure integration with LOS, LMS, and core systems

How It Supports the NBFC Lifecycle

1
Customer Onboarding
  • eKYC integration support
  • Account validation & linking
2
Loan Disbursement
  • Instant disbursement via IMPS/UPI
3
Repayment Setup
  • eNACH or UPI Autopay mandate creation
4
EMI Collection
  • Automated recurring debit execution
5
Monitoring & Control
  • Real-time dashboards for repayment tracking
Reconciliation & Reporting
  • Settlement validation and financial reporting

Key Benefits for NBFCs

Improve EMI Collection Efficiency
Automated mandates reduce missed payments and manual follow-ups
Faster Loan Disbursement
Instant transfers improve customer experience and operational speed.
Higher Repayment Success Rates
Smart routing and retry mechanisms improve collection realization.
Reduced Operational Complexity
Single platform replaces multiple vendor integrations.
Better Risk Visibility
Real-time fraud monitoring across payment channels.
Scalable Lending Infrastructure
Supports growth in customer base and transaction volumes.
Complete Lifecycle Coverage
From onboarding to disbursement to repayment and reconciliation.

Why NBFCs Choose Viyona?

  • Purpose-Built for Lending Operations

    Designed to support disbursement, repayment, and collection workflows.

  • Unified Payment Stack

    One ecosystem covering mandates, transfers, reconciliation, and monitoring.

  • Enterprise-Grade Security & Compliance

    Aligned with financial institution requirements and operational standards.

  • Faster Time-to-Market

    Pre-integrated infrastructure reduces deployment timelines.

  • Operational Visibility

    Centralized dashboards for payments, collections, and performance.

  • Flexible Integration Support

    Easily connects with LOS, LMS, and internal NBFC systems.

Start Your NBFCs Integration

Share your details and our onboarding team will guide you through technical integration, certification, and production deployment of your NBFCs setup.

    OUR EXPERT'S ANSWER

    Commonly Asked Questions 

    Can this support both disbursement and collections?
    Yes. The bundle covers instant disbursement, mandate setup, and automated EMI collections.
    Does it integrate with our LOS/LMS?
    Yes. API-based integration allows seamless connection with lending systems.
    Which collection methods are supported?
    eNACH, UPI Autopay, BBPS, and UPI-based payment flows.
    Can it scale with portfolio growth?
    Yes. The infrastructure is designed for high transaction volumes.
    Does it help with reconciliation?
    Yes. Automated reconciliation ensures accurate financial tracking.
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