Infinity Fincorp Solutions Pvt. Ltd. (IFSPL), a fast-growing NBFC, has been on a mission to redefine credit accessibility for India’s underserved MSME segment. Since its incorporation in 2016, with seed capital from Indium IV (Mauritius) Holdings Limited, the company has focused on empowering rural entrepreneurs and small businesses through secured MSME loans—primarily Loan Against Property (LAP). With operations across eight Indian states including Maharashtra, Gujarat, Madhya Pradesh, and Tamil Nadu, Infinity Fincorp has established a strong presence in Tier 2 and Tier 3 cities, offering flexible lending solutions with average ticket sizes of ₹0.04 million and tenures of up to seven years.
As disbursement volumes grew and operational complexity increased, Infinity Fincorp’s leadership recognized the limitations of its existing systems. Paper-based processes, manual reconciliations, and fragmented operations were slowing down growth and hampering customer experience. By 2019, the company needed a robust, scalable digital lending platform that could match its ambitions while ensuring agility, compliance, and efficiency. This marked the beginning of Infinity Fincorp’s partnership with Uncia.
Building a Digital Foundation with Uncia Prime and Leap
Under the guidance of Founder and CEO Shrikant Ravalkar, Infinity Fincorp chose Uncia to power its transformation. The goal was clear: simplify processes, accelerate turnaround time, and deliver customer-first lending experiences at scale. To achieve this, Infinity implemented two core Uncia solutions: Uncia Prime for Loan Origination and Uncia Leap for Loan Management.
Uncia Prime replaced manual, paper-heavy workflows with a fully digital Loan Origination System (LOS). This transformation digitized the entire onboarding journey—from application intake to credit underwriting and disbursement. Automated credit decisioning, especially for partner-linked files, increased the volume of processed applications, while omni-channel support and real-time status tracking improved productivity and transparency. Customers gained greater visibility into their applications, and internal teams saw a significant boost in efficiency.
On the back end, Uncia Leap streamlined loan servicing and collections with a modern, automated Loan Management System (LMS). Manual tasks such as reconciliation and status updates were eliminated, reducing data entry errors and improving turnaround times. Its self-service, parameterized product setup empowered business teams to configure and launch new lending products without waiting on IT or backend teams. With mapped charges and GL codes built into the system, Infinity could manage multiple business lines seamlessly. The microservices architecture ensured scalability and reliable integrations with external partners, positioning the platform to handle higher transaction volumes with ease.
From Automation to Self-Service
Infinity Fincorp’s journey with Uncia didn’t stop at automation. In its next phase of evolution, the NBFC adopted Uncia’s next-generation Loan Management System, an enhanced version of Uncia Leap. The standout feature of this system was the front-end Work Bench Configuration, which gave Infinity’s business teams the autonomy to independently create and manage loan products. From configuring interest parameters and charges to mapping GL codes across business lines, the platform enabled true self-service with zero backend dependency.
This level of autonomy dramatically reduced product rollout timelines and improved responsiveness to both market dynamics and regulatory changes. For an NBFC deeply entrenched in rural and semi-urban markets, the ability to quickly adapt offerings was a critical competitive advantage.
Business Impact at Scale
The results of this transformation were both measurable and significant. Monthly disbursements surged from around ₹10 crores to over ₹50 crores, with the turnaround time for standard loans dropping from 3–4 weeks to under 14 working days. Monthly case disbursements rose from 200–300 to nearly 950, while active user adoption exceeded 1,400 per month. The number of branches live on the LOS and LMS grew from 50 to 163, and LMS usage expanded from just 10 users to more than 50 active users. With projections showing LOS users surpassing 2,000 by FY25, Infinity Fincorp is on track to achieve even greater scale.
Client Testimonial
“At Infinity Fincorp, our mission has always been to make credit accessible to grassroots entrepreneurs—especially in India’s underserved MSME segment. As we expanded across states and scaled our operations, it became clear that we needed a technology partner who understood both our challenges and our aspirations. That’s when we partnered with Uncia.
With Uncia Prime and Uncia Leap, we’ve been able to digitize our entire lending journey—from onboarding and credit decisioning to disbursement and collections. Their platforms have brought in speed, accuracy, and most importantly, the flexibility we needed to respond quickly to evolving market demands.
What truly sets Uncia apart is the level of autonomy their systems offer. With the new version of Uncia Leap, our teams can now create and manage loan products entirely on their own—configuring interest parameters, charges, and GL codes without any backend dependency. This has significantly reduced our product rollout time and empowered us to be more agile.
Since the start of our partnership, we’ve grown from ₹10 Cr to over ₹50 Cr in monthly disbursements, and our turnaround time has dropped to less than 14 working days. It’s been a meaningful transformation, and Uncia has been instrumental in helping us scale lending with confidence and control. We’re excited to continue this journey with Uncia as our long-term technology partner.”
Why Infinity Fincorp Chose Uncia
For Infinity Fincorp, the decision to partner with Uncia was based on three key factors: domain expertise, proven success, and ecosystem readiness. Uncia’s deep knowledge of digital lending transformation and its track record of managing complex LOS and LMS migrations gave Infinity the confidence to embark on this ambitious journey. The platforms’ ability to integrate seamlessly with valuation tools, property data providers, and partner systems provided a robust ecosystem for growth. Above all, Uncia’s agile implementation approach and business-aligned configurations ensured that technology worked at the speed of business.
Looking Ahead
With its digital lending backbone firmly in place, Infinity Fincorp is poised to scale monthly disbursements to ₹75–₹100 crores in the near future. More importantly, it now has the agility to design and launch new lending products, expand into new geographies, and adapt to evolving regulations without delay. By digitizing lending at scale, Infinity Fincorp continues to drive financial inclusion and economic empowerment across India’s heartlands.
At Uncia, we are proud to be Infinity Fincorp’s strategic technology partner on this journey. Together, we are setting new benchmarks for what digital lending at scale can achieve.
Uncia – Your Partner in Lending Transformation
Uncia is transforming the future of lending with its award-winning, AI-driven platforms — PRIME (Loan Origination), LEAP (Loan Management), and FLOW (Supply Chain Finance). Built to be cloud-native, API-ready, and automation-first, Uncia helps banks and NBFCs modernize their lending ecosystems with speed, scale, and compliance at the core. Uncia’s platforms deliver seamless, end-to-end digital journeys that empower customers, unify partners, and accelerate growth.
At Uncia, we live by our vision to “Dare to Go Beyond” — helping financial institutions reimagine what’s possible in lending.
Let’s reimagine the future of lending, together.
Learn more at www.uncia.ai
Write to us at: sales@uncia.ai