The Rural Lending Makeover: How One Platform Digitised 6.13 Million Accounts, Transforming Credit Access for Underserved Populations

Customer Overview

C-Edge Technologies partnered with ezee.ai to modernize lending across 14 SBI sponsored Regional Rural Banks and 4,874 branches. The network serves 6.13 million accounts and processes high volume rural lending across 13 retail, agriculture, and MSME products.

What Needed to Change

Legacy workflows relied on manual CBS data entry, decentralized processing, and paper based operations that slowed lending and increased errors. The business needed a unified LOS CBS model that could support scale, compliance, and product standardization.

How the Transformation Took Shape

ezee.ai delivered a real time LOS integrated with C-Edge CBS, enabling single capture processing, automated account creation, disbursement, repayment synchronization, and centralized product control. The solution also gave each bank flexibility through a true zero code framework.

Results That Mattered

  • The platform now supports 2.5 lakh new loan accounts monthly across 14 RRBs.
  • Loan origination TAT fell by 50 percent, while manual CBS data entry reduced by 90 percent.
  • The rollout achieved 100 percent RBI and NABARD compliance and reduced NPAs by 25 percent.

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