For NBFCs & microfinance companies in India
ESG and E&S risk management, built into every stage of your lending lifecycle.
Fandoro NBFC ESG Intelligence adapts to the segments you lend in — microfinance, group and JLG lending, MSME, vehicle, gold and green finance — and produces regulatory, investor and DFI disclosures from a single verified data layer.
Segment-adaptive configuration
Select your lending segments at registration. Lifecycle stages, screening questions, exclusion lists, PCAF mapping and KPIs are assembled from configuration, never hard-coded.
ESG inside the lending lifecycle
E&S screening, categorisation and covenant monitoring sit at each stage from origination to closure, with role-based task queues.
One verified data layer
Every answer, flag and score is captured once against the borrower record, with organisation-level isolation and full audit trail.
Disclosures on demand
Generate regulatory, investor and DFI reports — portfolio risk mix, green share, financed emissions and impact KPIs — from the same data.
How NBFCs and microfinance companies use Fandoro to embed ESG and E&S controls across group, JLG and SHG lending — with outcomes investors and regulators can verify.
Responsible lending & client protection
Fair-lending screening blocks protected factors from scoring, while over-indebtedness, transparency and grievance-redressal checks sit at the origination stage — aligned with RBI SRO guidelines and DFI client-protection principles.
Clean client-protection audit trail for every group and JLG loan.
Group & JLG risk monitoring
Segment-specific screening for joint liability groups and SHGs captures conduct risk, field-officer escalation, and branch-level E&S flags, with role-based queues for field and branch officers.
Branch scorecards surface high-risk groups before they become incidents.
Portfolio risk & over-indebtedness
Weighted E&S risk drivers roll up to a portfolio risk-mix view by segment and branch, with PCAF coverage and data-quality scoring — uncovered segments shown as 'not measured', not zero.
Investor and DFI disclosures from the same verified data layer.