Every partner in our ecosystem is selected through a rigorous due-diligence process, operates under a signed Data Processing Agreement, and is monitored for compliance with RBI's Fair Practices Code and Digital Lending Guidelines 2022.
Crestmont Capital pulls bureau data from all four RBI-licensed Credit Information Companies for every loan application — ensuring the most complete and accurate credit picture for each borrower.
India's most trusted credit information company
TransUnion CIBIL is India's first and most widely used Credit Information Company, holding credit records of over 1.3 billion individuals. We integrate with CIBIL to pull bureau reports and CIBIL scores as part of our multi-bureau credit assessment for every loan application on askrupee.com.
Global credit intelligence, India-ready
Equifax is a global data, analytics, and technology company operating in India as a RBI-licensed Credit Information Company. Crestmont Capital uses Equifax bureau data to enhance our credit risk models and validate applicant credit histories across our lending portfolio.
Data-driven credit decisions at scale
Experian India is an RBI-licensed credit information company and global analytics leader. We leverage Experian's credit bureau data and analytical tools to support accurate credit assessments, helping us make faster and fairer lending decisions for borrowers on askrupee.com.
Specialised credit intelligence for NBFCs
CRIF High Mark is an RBI-licensed Credit Information Company with deep specialisation in NBFC, microfinance, and SME lending data. Our integration with CRIF provides additional credit data coverage, particularly for borrowers who may be thin-file or underserved by traditional bureaus.
Digital KYC and verification APIs
Digitap provides a suite of digital verification and fintech APIs used by NBFCs and banks across India. We use Digitap's platform for Aadhaar-based KYC verification, PAN verification, bank account validation, and income verification — enabling a fully paperless onboarding experience on askrupee.com.
Alternative data and device intelligence
Bureau is a fraud and identity intelligence platform that provides device fingerprinting, behavioural analytics, and alternative data signals. We integrate Bureau's platform to detect synthetic identities, application fraud, and device-level risk signals — strengthening our fraud prevention layer.
Technology infrastructure for digital lending
We4U Technologies provides technology services and platform infrastructure supporting digital lending operations. We partner with We4U for backend technology support, integration services, and platform stability for the askrupee.com lending stack.
Oolka — Lending technology platform
Sixdis Technologies, operating the Oolka brand, provides a digital lending technology platform supporting loan origination workflows, credit engine integration, and customer-facing digital experiences. The Oolka platform supports key parts of the askrupee.com loan origination journey.
IT solutions for NBFC operations
Mind Blink Solutions provides IT consulting, software development, and technology management services to financial services companies. We work with Mind Blink for technology project delivery and operational IT support across our lending platform.
Digital loan origination and sourcing
Digibhoomi is a Lending Service Provider (LSP) that operates as a sourcing and loan origination partner under the RBI Digital Lending Guidelines 2022. Digibhoomi supports borrower acquisition, digital journey facilitation, and loan application submission for the askrupee.com platform.
Financial services sourcing partner
Getlux is a lending service provider supporting the distribution and origination of personal loan products on behalf of Crestmont Capital. Operating within the RBI's LSP framework, Getlux facilitates borrower onboarding and application processing for the askrupee.com lending platform.
Fintech-driven loan origination
Bharath Finnovation is a fintech-focused lending service provider that brings technology-led loan origination capabilities to the Crestmont Capital partnership network. Their digital-first approach supports rapid borrower verification and application processing under the RBI Digital Lending Guidelines 2022.
End-to-end lending solutions
Allcreds Solutions is a lending service provider offering end-to-end digital lending support including borrower sourcing, application processing, and credit facilitation. Allcreds operates as an LSP under the RBI's digital lending framework, supporting Crestmont Capital's loan origination operations on askrupee.com.
Borrower-first financial services
Manahjagruti is a lending service provider focused on responsible financial inclusion and borrower empowerment. Working within the RBI's LSP framework, Manahjagruti supports Crestmont Capital by facilitating loan applications and providing borrower-facing support services for the askrupee.com platform.
End-to-end BPO for financial services
Synergipro BPO Solutions is a business process outsourcing company specialising in financial services operations. Crestmont Capital engages Synergipro for customer service operations, query handling, and back-office processing — operating under RBI's fair practices guidelines for outsourced functions.
Operational excellence for NBFCs
S Optima Business Solutions provides business process and operational support services to NBFC clients. We partner with S Optima for operational support functions that require scalable, process-driven execution, managed under our vendor oversight and fair practices framework.
Business consulting and operations
33 Associates is a business consulting and operations partner providing specialised support to Crestmont Capital's operational functions. Their services encompass process consulting, business analysis, and operational management support for our lending business.
Zavo — Legal technology for lending
Legalpay Technology, operating the Zavo brand, provides legal technology solutions for digital lending and NBFC recovery. Zavo's platform supports loan documentation, legal notice management, and recovery workflow automation — enabling Crestmont Capital to manage delinquent accounts with full legal compliance and audit trails.
Crestmont Capital's Board has approved a Vendor Management Policy that applies to every third-party in our ecosystem — from credit bureaus to BPO partners.
Read our Fair Practice Code →We are always open to working with technology providers, business correspondents, and fintech companies who share our commitment to responsible lending and borrower protection.