“Service you deserve,

Expertise you need!”

Conduct business with confidence with Strategic Management and services.

Who We are

AFIML is an organization with the mission to develop strategic infrastructure for effective banking systems in India and to take them to the next level by developing every aspect of business as strategy, technology, and funds together.

In our legacy of the organization, we have developed the strategic Infrastructure for Banking in India, with the most unique and innovative process, product, and technology to redefine the banking and economy generation modules together. Our R&D, Processes, technology teams are tremendously doing their jobs to impact industry, even though a lot of acknowledgements have been received on the same.

Objective & Innovations

To develop strategic infrastructure for effective banking systems in India and to take them to the next level by developing every aspect of business as strategy, technology, and funds together.

AFIML Innovation

What facilities will be available in AFIML Strategic IT?

CAP - Credit Appraisal Process

CreditOne - Credit Report Service

MBS - Micro Finance

CBS - Retail Banking

Transactions

ELC – HR

XpertResource – Employee Training and Quality Enhancement

Technology Development

CAP – Credit Appraisal Process

Identifying the right and eligible loan applicant is important but challenging !!!

Credit disbursement is an important part of your business as a financial institution. One of the most important responsibilities of our organization is to provide loans to eligible and deserving people by using our CREDITONE Application.

But how do you know if a person is applying for a loan? The organization is not aware of the financial eligibility of the applicant.

What is a CAP (Credit Appraisal Process) ?

A CAP report is about a person's credit Appraisal process.

What information is obtained through a CAP?

Personal Information:

A person's name, date of birth, gender, multiple contact numbers, multiple addresses as well as government documents such as PAN No., Aadhar Card No., Voting Card No., Ration Card No., etc. Information you may receive. Based on this information you get an effective loan appraisal process.

Credit History:

Credit Score A person's eligibility for a loan and his ability to repay a loan is determined by his credit score.

All Loan A / C Details Information on all loan accounts taken by an individual (on or off) is available here. Such as,

Name of the lending institution, Type of loan account

The borrower himself is the guarantor of the loan

The loan ROI, Amount, Outstanding and tenure amount, loan installment

NPA/Written off status

Credit Worthiness Vs Capacity:

In the context of loans and credit, creditworthiness largely refers to the financial characteristics of a particular individual. When a person applies for a loan, the institution checks the financial eligibility of the applicant to get an idea of ​​his credit history.

A cash flow statement (CFS), is a financial statement that summarizes the movement of cash and cash equivalents, including cash inflows and outflows. CFS indicates how well a person manages their cash position, meaning how well a person generates funds to pay off debt and pay for operating expenses.

Verification:

A lender’s credit appraisal process will typically check and evaluate the following important factors:

KYC	Income

Age	Repayment ability

Work experience	Present and former loans

Nature of employment	Other monthly expenses

Future liabilities	Previous loan records

Tax history	Financing pattern

Assets owned

Rating :

A lender needs to carry out a credit appraisal process to ensure that the borrower can repay the entire loan amount on time without missing any payment deadlines. This is very crucial for a bank as this determines the interest income and the capital of the bank. The repayment behavior of a borrower directly affects the performance of the bank. A credit appraisal is done to avoid the risk of default on loans.

Details Information on all appraisal process of an individual (on or off) is available here. Such as,

Credit History Rating

Cashflow Rating

Documentation Rating

Verification Rating

Sanctioning :

Once Credit appraisal process of appraising the credit for individual is done you can disburse the credit.

CreditOne

Credit Score A person's eligibility for a loan and his ability to repay the loan is determined by his credit score.

Details of All Loan Accounts Details of all loan accounts held by the individual (open or closed) are available here.

such as,

Name of lending institution, type of loan account

Loan interest rate, loan amount, outstanding and term, loan installment

NPA/ write off status

MBS - Micro Finance

Microfinance is a banking service provided to low-income businesses/individuals or groups who otherwise do not have access to financial services. To meet the growing financial services needs of the urban and rural poor globally, the microfinance industry has developed innovative approaches to reach potential and existing clients.

Our MBS solution automates microfinance services including form Customer Sourcing , form Filing, Disbursement, collection, mobile app, web portal, various reports etc.

Transactions

We help organizations that accept online payment methods to create payment services. These methods include NEFT, RTGS, IMPS, UPI, Bank Transfer, Mobile App, QR code.

ELC – HR Technology

We help bridge the gap between employee performance and the organization's strategic goals. HR technology automates human resource functions in organizations. These include employee payroll and compensation, employee engagement and management, workforce analysis, performance management, training and development, and benefits administration.

XpertResource – Employee Training and Quality Enhancement

From our point of view, training has three main objectives: to improve awareness at the individual level, to increase one's skills in one or more areas, to increase one's motivation to perform one's work well.

For this XpertResource is an online tool through which we can work on employee training, skill development and performance development.

Technology Development:

Other technology development will be done as per the requirement of the organization, necessary research and development will be done by us.