Case Study: India's Largest Private Sector Bank achieves scalable, efficient lending—managing a $37B portfolio and 60,000 peak daily applications with Nucleus Software's FinnOne

Redefining Growth and Efficiency in Lending

India's Largest Private Sector Bank — a $100B+ institution serving tens of millions of customers — had rapidly expanded its lending portfolio but was still running loan processing on manual workflows and Excel. To scale operations, reduce processing times and support growing product complexity, the Bank selected Nucleus Software’s FinnOne Loan Management System (later extending with FinnOne Customer Acquisition, FinnOne Collections and Nucleus’ Lending Mobility) to modernize its end‑to‑end lending platform.

Nucleus Software implemented FinnOne’s workflow‑based, configurable platform to automate the loan lifecycle, speed credit decisioning and enable rapid product launches. The solution now manages 8.5 million loans worth $37B, supports 35,000 daily users, processes about 20,000 applications per day (up to 60,000 on peak days), and handles 9 business lines and 355 product variants. The Bank achieved strong commercial outcomes — 24% CAGR in total advances and 21% CAGR in net interest income (2010–15), a GNPA of 0.93% in FY2015–16 — and won a Celent Model Bank award for its Nucleus Software–powered lending system.