Case Study: India’s Oldest Private Sector Bank achieves 41% MSME lending and streamlines loan origination with Newgen Software

India’s Oldest Private Sector Bank Streamlines Loan Origination with Newgen

One of India’s oldest private sector banks, with 850+ branches and over 7,000 employees, faced a fragmented, paper-heavy lending landscape driven by legacy systems, manual processes, compliance gaps and slow back-end operations that hampered decision-making and competitiveness—particularly as it sought to scale MSME and agricultural lending.

Partnering with Newgen, the bank implemented a low-code Loan Origination Solution featuring automated underwriting, digital KYC, integrated risk checks and centralized document management. The unified platform sped product rollouts (MSME time-to-market cut to 48 hours), boosted customer experience, reduced manual effort and fraud risk, and helped grow MSME lending to ~41% of the bank’s credit portfolio while maintaining low NPAs.