Digital Loan Origination Product Suite

A scalable, tested and customizable solution

bringing ultimate efficiency to field force and
aiding in Senior Management Decision Making

eSthenos Technologies Pvt. Ltd., Bengaluru [India]

The mobility suite from eSthenos has helped us in improving our

productivity by 30% and average TAT for sourcing reduced by
45%. The intuitive user interface agent on-boarding to less than 4
hours. Apart from going paperless, it has also helped us improve
upon our data hygiene at the time of data capture by field force
-Arvind Murarka, Head Information Technology
Arohan Financial Services pvt. Ltd.

eSthenos

www.esthenos.com

eSthenos has a double edged technological design which suites users at

front end, integrating with high end workflow based process at backend
-Harish raghu, MD & CEO

Saggraha Management Services pvt. Ltd.

eSthenos

www.esthenos.com

How we are impacting industry & society every month

Helping more than

2,000 active users to do
business with ease

Reducing waiting time

for more than 1,00,000
customers

eSthenos

www.esthenos.com

Saving 100s of trees

to have a green & clean
environment for all

Saving around 1L
A4 size paper

Bringing more
than INR 600 mn.
to the needy

Where we impact

Paperless Sourcing & Underwriting Credit

back-office not required
Increased Productivity Higher number of
loans serviced by a Field Officer ->Higher
Income per Field Officer

o
o
o

eSthenos

www.esthenos.com

o
o

Almost nil Data error [Close

Ended Data Flow]
Pre-populated Disbursement Kit
Increase in Productivity, with a
TAT of less than 4 days

Faster Funder Compliances / Audits

Faster Securitization Audits
Best possible customer experience

An ultra modern comprehensive analytics platform

Pre-Disbursal Data
[Sourcing to Disbursement]

-Real time visibility for field force about own and peer performance to
keep them motivated to achieve targets & to create a sense of healthy
competitiveness
-Geographical heat map to assist Management decisions on Future
expansion / Increased penetration existing geographical areas
-Continuous improvement by reducing the Time taken for critical steps
[Sourcing, Training, Financial literacy etc.]
-HO->Branch disbursement fund requirement for coming week
disbursements
-Independent Internal Audit module to have greater control
-Data Analytics based on geography, loan cycle, repayment, discipline,
caste-category etc.

Post-Disbursal Data
[collections/centre meeting]
Increased
Profit Margin

eSthenos

www.esthenos.com

Superior
Management
Controls

Data Security
& Data
Integrity

Our product lines

ne Tw

Small Business Loans

feet on street

Real-time CB Check

eSthenos

www.esthenos.com

MFI/Group Loans

Vehicle Loans

Individual loan

Home Loans

Bank BC Loans

Online-offline mode

Route optimization

Disbursement kit

Collections

Geo tagging & tracking

Real-time Dashboards

Individual profiling

Closing lines
Technology, innovation, and knowledge have become the key drivers of economic growth
today. A broad scan, across many industry verticals, suggests that much of the economic
growth of the last decade has been facilitated by the existence of strong technology
platforms. The effective absorption and utilization of technology is extremely important
for any sector at various developmental stages. However, the importance of right
technology becomes more pronounced at the advent of the growth stage when an
industry is expanding and diversifying rapidly like Microfinance & Small Business Loans.

What next
Please write us for LIVE DEMO enquiry@esthenos.com

Our whereabouts
eSthenos Technologies Pvt. Ltd.
# 1961, 1st Floor, Aradhana Arcade,
HAL 3rd Stage, New Thippasandra Main Road
Bengaluru -560 075,
Karnataka [India]
www.esthenos.com

eSthenos Technologies Pvt. Ltd., Bengaluru [India]