Case Study: India's Largest Private Sector Bank achieves 10‑minute loan processing and scalable $31B retail lending with Nucleus Software's FinnOne

Empowering Market Leadership in Lending

India's Largest Private Sector Bank, with more than US $100 billion in assets and a nationwide network of branches and ATMs, faced rapid retail loan growth and fragmented legacy systems that struggled with high transaction volumes, manual processes, data integrity issues and frequent downtime. After several failed attempts to replace its lending platforms, the Bank needed a stable, scalable solution to streamline lending, support diverse new products and improve customer responsiveness; it selected Nucleus Software and its FinnOne lending platform.

Nucleus Software implemented FinnOne to consolidate the Bank’s entire retail loan lifecycle on a single, workflow‑driven platform, automating processes and enabling rapid product launches. The solution reduced pre‑approved loan processing to 10 minutes (and to 1 minute in quick disbursement mode), supports 10,500 daily users managing 28 million loans worth US$31 billion, handles up to 15 million transactions per month and 35,000 peak disbursals a day, and improved customer service through call‑centre integration and stronger data integrity.