Consulting firm · Serving clients across India
Consulting and customised solutions for every sector.
For more than fifteen years, Encreativ has advised NBFCs, banks, government bodies and businesses across India — and built lending software, from AI credit appraisal to risk management. Every engagement is led by a senior consultant, with specialist depth in NBFC and lending.
Our products
Software built for lenders
Beyond consulting, we build software for lenders — 25+ products and customised solutions are live today. Our flagship products take on the reading, calculating and checking, so credit, risk and operations teams can focus on judgement.
- 1
UploadOne zip
All of the client’s documents in a single upload.
- 2
DetectAutomatic
Every document recognised and sorted by applicant.
- 3
ReadOCR + AI
Scanned and digital pages read with a balanced, low-token approach.
- 4
AlignYour rules
Figures checked against your credit policy.
- 5
GenerateYour CAM
The memo in your own template, ready for review.
₹20 – ₹120 per CAM · DPDP-compliant by design
Digital Personal Data Protection Act, 2023
Is your institution ready for the DPDP Act?
Lenders hold some of the most sensitive personal data there is. We map where it flows, close the gaps and build processes that work alongside your RBI obligations — and our own products are DPDP-compliant by design.
Our services
Consulting practices, focused on lending
Whatever your sector, the approach is the same: understand the organisation first, then build a solution that fits it. Choose a sector to see how we help.
Financial Services
Our core practice. Lenders, and the policies, risk and compliance that keep them sound.
NBFC Consulting
RBI registration, credit policy, collections, regulatory compliance, co-lending and growth — end-to-end support for non-banking finance companies.
Learn moreBanking & Co-operative Banks
Policy, risk, investment and inspection readiness for banks, urban co-operative banks and credit societies.
Learn moreGovernance, Risk & Compliance
Boardroom experience and regulatory depth for institutions that cannot afford to get it wrong.
Rural & Public Sector
Where credit, development programmes and public institutions meet.
Built Environment
Projects where approvals, finance and delivery all have to line up.
Technology & Products
A capability we deliver across every sector — from strategy to our own lending software.
Your sector not listed?
We build customised consulting solutions for organisations in any industry. Tell us what you need.
Talk to usSpecialist practice
NBFC consulting is our strongest practice
Most of our fifteen-plus years have been spent with non-banking finance companies — from the first application to the RBI to managing a loan book across several states. We support NBFCs at every stage of their journey.
Set up
- RBI registration (CoR)
- Capital structure
- Board & policy suite
Lend
- Credit policy
- Underwriting & scorecards
- Co-lending
Collect
- Collections strategy
- Early-warning signals
- Recovery process
Comply
- Scale-Based Regulation
- Digital lending rules
- KYC / AML & returns
Scale
- Bank lines & NCDs
- ALM & liquidity
- LMS & technology
Our approach
Customised solutions, not standard packages
No two organisations are alike. A small NBFC in Pune and a large one in Delhi need different credit policies; a municipal corporation and a state department run procurement differently.
That is why every Encreativ engagement starts with understanding how your organisation actually works — and ends only when the solution is working on the ground.
Understand
A senior consultant meets your team and studies the numbers before any proposal is made.
Diagnose
We identify the real cause — policy, process, people or systems — and set it out in writing.
Design
The solution is built for your organisation, your regulator and your budget. Never a template.
Deliver
We stay through implementation, training and the first review cycle until results hold.
Why Encreativ
Why organisations choose us
15+ years of experience
Our consultants have worked inside the sectors they advise — lenders, public bodies and project companies.
Senior-led, every time
A senior consultant leads every engagement from the first meeting to final delivery.
Strictly confidential
A confidentiality agreement is signed before any information is shared. Client names stay private.
Boardroom experience
Our leaders serve on banking management boards — we bring that perspective to every engagement.
Independent advice
We do not resell third-party software, so our recommendations are always in your interest.
With you after delivery
We support implementation, training and the first review cycle — not just the report.
Get in touch
Let’s discuss your requirement
Tell us about your organisation and the challenge you are facing. A senior consultant will respond personally, in strict confidence.