Step 1 of 2

Set your lending assumptions

Enter the operating assumptions for the 12-month NBFC model. The defaults mirror the source workbook and can be reset at any time.

14 inputs · 2 sections

Input methodUse one assumption set, or define the assumptions separately for each month.

Capital & pricing

Funding, ticket size, pricing and acquisition assumptions.

Operations & collections

Cost structure, servicing expense and collection behaviour.

Month-wise assumptions

Enter the value to use in each month. Capital is the new amount invested in that month.

Tip: Tab moves across months

Lending Operations • Technology • Distribution

Scale lending. Without scaling complexity.

Monevia powers the operating layer behind NBFC growth — from borrower acquisition to servicing and portfolio visibility, while you retain control of capital, policy and credit decisions.

Overview • Partnership journey

The partnership journey, simplified for board review.

At board level, the Monevia model can be understood as a controlled four-step pathway: approve a defined program, activate one operating stack, monitor the book with full visibility and then scale only when the early evidence is strong.

Monevia: acquire borrowers, process and service, monitor portfolio, scale growth

1

Approve
the first program

Bound the opportunity clearly before capital is deployed.

Select the first product and target segment
Agree risk appetite and policy guardrails
Align operating scope and commercials

2

Activate
the operating stack

Move sourcing, onboarding, servicing and collections into one coordinated model.

Launch the borrower journey and integrations
Run approved KYC and underwriting workflows
Establish servicing, collections and MIS

3

Monitor
the portfolio

Review growth, asset quality and control metrics from the first cohort onward.

Track disbursals, repayments and outstanding
Review delinquency, roll-rates and recoveries
Surface exceptions, complaints and control events

4

Scale
with discipline

Expand only after the book shows acceptable economics and control performance.

Launch with a capped cohort
Review weekly performance and exceptions
Scale product-by-product and outlet-by-outlet

01 • Executive proposition

One accountable operating partner behind the lending book.

01

Growth engine

02

Operating discipline

03

Technology and visibility

Why this structure works

It gives the NBFC one accountable operating partner, preserves lender decision rights and creates a cleaner reporting line from portfolio performance back to management and the board.

Operating principle

Approve a defined product, launch in a controlled cohort, learn from live data and then expand only when the economics, controls and service quality are proven.

02 • What Monevia brings

A complete operating
layer, with clear
institutional
boundaries.

Five capabilities sit behind the partnership: compliance-aligned process design, lending expertise, distribution, risk allocation frameworks and portfolio visibility.

Five capabilities: Compliance, Expert team, Distribution, Risk allocation, Visibility

03 · Governance by design

The NBFC governs.
Monevia executes.

The structure preserves the regulated entity’s decision rights while giving Monevia clear accountability for approved operational execution.

Control

01

NBFC control

Capital, product approval, pricing, eligibility, exposure limits, sanction or decline and regulatory oversight.

Boundary

02

Governance boundary

The partnership is designed around a deliberate distinction between regulated lending decisions and outsourced operating execution.

Execution

03

Monevia service

Customer acquisition, application capture, verification workflows, underwriting support, servicing, collections operations and MIS.

Visibility

04

Auditability

Operating data, exceptions, complaints, controls and performance are structured for review by risk, compliance and management teams.

04 • End-to-end lending model

Five operating stages
from borrower
acquisition to portfolio
monitoring.

Each stage is built around an approved Monevia
service layer and an explicit NBFC control point.

Five stages: Source and apply, Verify and decide, Disclose and fund, Service and collect, Monitor — each with a Monevia service and an NBFC control

05 · Product launch and scale

Start narrow.
Prove the
operating
model.
Expand with
evidence.

The launch path is intended to reduce execution risk: select the first product, define policy, implement the borrower journey, launch a controlled cohort and scale after performance review.

Launch path: review product, define policy, implement borrower journey, launch, review outcomes, add products

06 · Risk, protection and transparency

Board-level visibility into
funding, credit performance,
operations and control
exceptions.

Funding view, Loan view, Risk view and Control view

08 · Execution pathway

From diligence to
pilot.
From pilot to scale.

Move from discussion to evidence quickly, while
keeping policy, compliance and integration sign-offs
explicit.

Execution pathway: define product and funding route, diligence, integrate and test, launch a capped cohort

Ready to define the first program?

Let’s discuss the product, operating model and partnership route.

Scenario output 12-month model

Workbook-aligned calculations based on your current assumptions.

Initial capital—

Month 12 disbursal—

Modeled Month 12 AUM—

Cumulative modeled profit——

Modeled monthly scale

AUMGross disbursal

Summary

Loan-equivalent customers—

Modeled interest income—

Processing fees incl. GST—

Average monthly disbursal—

Month 12 profit / loss—

Month-wise schedule

All amounts in ₹ Cr unless stated

Figures are modeled estimates. Cumulative modeled profit is not IRR, ROE or a guaranteed return; the current model excludes separate corporate overhead, income tax and the final fee split between the NBFC and Monevia.