Case Study: Large Indian Bank achieves 78% faster loan processing and 20% growth in group loans with Nividous

BPM in Banking Speeds Up the Loan Disbursement Process by 20 Percent

Large Indian Bank, serving over 1.4 million customers with INR 31 billion in business, struggled with a manual, decentralized group loan disbursement process in rural areas—poor connectivity, document collection issues, and slow approvals caused delays and errors. The bank engaged Nividous to modernize and automate the process using IBM BPM (IBM business automation workflow) and a mobile-friendly approach.

Nividous implemented a centralized BPM solution built on IBM BPM with an intuitive offline-capable interface for handheld devices, enabling remote staff to capture customer data and documents and sync later to a central server. The solution reduced loan processing turnaround time by over 78% (from 14 days to 3 days), increased group-loan business by 20%, and improved customer communication by 65%.