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KarjaSetu
The Digital Bridge for Connected Lending

WHERE BUSINESS
MEETS LENDING.

Connect OEMs, dealers, digital platforms, Banks and NBFCs through one intelligent ecosystem — designed to route opportunities, coordinate workflows and provide visibility across every participant.

ONE LEAD.
ONE CONNECTED LOOP.

From opportunity to outcome — KarjaSetu connects the journey in both directions.

OPPORTUNITY FLOW →← STATUS & OUTCOMESAHAYAK · PEOPLE & ACTIONBANDHAN · API LAYERSUTRA · ORCHESTRATIONDARPAN · VISIBILITYOEM / PartnerOriginates the leadKarjaSetuConnects & orchestratesBank / NBFCProcesses & decidesCustomerFinancing & onboardingOutcomeOPPORTUNITY ↓↑ STATUSSAHAYAKBANDHANSUTRADARPANOEM / PartnerOriginates the leadKarjaSetuConnects & orchestratesBank / NBFCProcesses & decidesCustomerFinancing & onboardingOutcome
The Journey Today

ONE LEAD. TOO MANY CONNECTIONS.

An opportunity may originate with an OEM, dealer or digital partner, but moving that opportunity through multiple lenders often means different integrations, processes, follow-ups and status updates.

OEM / Partner
Generates the opportunity
Customer Opportunity
Dealer / Digital Platform
Captures the lead
Lead
Multiple Connections
Bank A
Different processStatus
Bank B
Different APIStatus
NBFC
Different journeyStatus
Fragmented Visibility
Manual follow-upDifferent processesDifferent statusLimited visibility

Customer onboarding begins only once a lender completes its own process.

The opportunity is clear. The journey is not.

The KarjaSetu Bridge

ONE CONNECTION. MULTIPLE POSSIBILITIES.

Connect once. Reach multiple lenders. Orchestrate the journey. Bring every outcome back into view.

OEM / Partner
Sends the opportunity
SAHAYAK · PEOPLE & ACTION
KarjaSetu
Orchestrates the journey
SUTRA · ORCHESTRATION
Multiple Possibilities
Bank A
Approved
Bank B
In Review
NBFC
Awaiting
BANDHAN · API CONNECTIVITY
DARPAN · VISIBILITY

Every status update, from every lender, flows back through one connected view.

Built Around the Lending Journey

ONE PLATFORM. FOUR POWERFUL CAPABILITIES.

KarjaSetu brings people, connectivity, orchestration and visibility together to simplify the connected lending journey.

SAHAYAK
People & Action

Empower OEM and Bank teams to manage, act and collaborate on opportunities.

BANDHAN
API Connectivity

Connect OEMs, platforms, Banks and NBFCs through secure, scalable API connectivity.

KARJASETU
Core
SUTRA
Orchestration

Coordinate lead routing, workflows and lifecycle movement across the ecosystem.

DARPAN
Visibility

Give every participant visibility into lead status, progress and outcomes.

SAHAYAK
People & Action

Empower OEM and Bank teams to manage, act and collaborate on opportunities.

BANDHAN
API Connectivity

Connect OEMs, platforms, Banks and NBFCs through secure, scalable API connectivity.

KARJASETU
Core
SUTRA
Orchestration

Coordinate lead routing, workflows and lifecycle movement across the ecosystem.

DARPAN
Visibility

Give every participant visibility into lead status, progress and outcomes.

One Ecosystem. Every Participant.

BUILT FOR EVERY SIDE OF THE LENDING JOURNEY.

KarjaSetu connects the ecosystem while giving every participant the tools, connectivity and visibility they need.

OEM / Partners

Generate and distribute lending opportunities through one connected ecosystem.

Reach multiple lenders · Track outcomes · Reduce follow-up

Dealers & Digital Platforms

Capture opportunities once and connect them to the right lending partners.

One integration · Multiple lenders · Better visibility

KarjaSetu
Connects the Ecosystem
Banks & NBFCs

Receive structured opportunities and return lead status through API connectivity.

Better sourcing · Faster response · Connected workflow

Customers

Experience a simpler path from opportunity to financing.

More choice · Better journey · Faster onboarding

OEM / Partners

Generate and distribute lending opportunities through one connected ecosystem.

Reach multiple lenders · Track outcomes · Reduce follow-up

Dealers & Digital Platforms

Capture opportunities once and connect them to the right lending partners.

One integration · Multiple lenders · Better visibility

KarjaSetu
Connects the Ecosystem
Banks & NBFCs

Receive structured opportunities and return lead status through API connectivity.

Better sourcing · Faster response · Connected workflow

Customers

Experience a simpler path from opportunity to financing.

More choice · Better journey · Faster onboarding

The Connected Journey

FROM LEAD TO OUTCOME. ONE CONTINUOUS FLOW.

KarjaSetu keeps the lending journey connected — from the moment an opportunity is created to the lender outcome returning to the partner.

OEM / Partner
01
Lead

Opportunity created and ready to move.

02
Connect

KarjaSetu connects it into the ecosystem.

03
Route

Directed to the right lending partner.

04
Process

Lender reviews and processes the opportunity.

05
Status

Progress updates flow back in real time.

06
Outcome

Decision returns to the originating partner.

OEM / Partner
Outcome delivered
Forward — opportunity / leadReturn — status / outcome

The journey doesn’t end when the lead is shared. The outcome comes back.

The Difference

TURN CONNECTIVITY INTO BUSINESS IMPACT.

KarjaSetu transforms fragmented lending connectivity into a faster, more visible and scalable ecosystem.

01

FASTER

Reduce manual handoffs and accelerate movement from opportunity to lender.

02

WIDER

Connect one ecosystem to multiple Banks and NBFCs without building separate journeys.

03

VISIBLE

Give partners visibility into lead status, progress and outcomes.

04

SCALABLE

Add lenders, OEMs and digital partners without rebuilding the connectivity layer.

ONE CONNECTED LAYER.
MORE POSSIBILITIES FOR THE ENTIRE ECOSYSTEM.

Built for Trust

CONNECTED. SECURE. GOVERNED.

KarjaSetu is designed to connect lending ecosystems with the control, visibility and governance expected by enterprise partners.

KarjaSetu
Secure Core
Secure

Protected API connectivity and controlled access.

Consent

Customer consent remains central to connected data journeys.

Governed

Partner, workflow and access controls provide accountability.

Auditable

Every important movement has visibility and traceability.

KarjaSetu
Secure Core
Secure

Protected API connectivity and controlled access.

Consent

Customer consent remains central to connected data journeys.

Governed

Partner, workflow and access controls provide accountability.

Auditable

Every important movement has visibility and traceability.

CONNECTIVITY WITHOUT COMPROMISING CONTROL.

The KarjaSetu Model

ONE CONNECTED ECOSYSTEM. MULTIPLE VALUE STREAMS.

KarjaSetu creates value by connecting lending demand with lending supply through a shared connectivity and orchestration layer.

OEM / Partners
Opportunities
KarjaSetu
Connectivity & Orchestration Layer
ConnectivityAPI and ecosystem connectivity
OrchestrationLead routing, workflow and status exchange
VisibilityDashboards, insights and outcome tracking
Connected access
Banks / NBFCs
Outcomes
OEM / Partners
OEM / Partner Value

More lender reach · Better visibility · Lower integration friction

Lender Value

Connected sourcing · Better opportunity flow · Simplified partner connectivity

KarjaSetu Value

Sustainable platform and connectivity economics

CONNECTED · ORCHESTRATED · VISIBLE

The Next Connection Starts Here

READY TO CONNECT YOUR LENDING ECOSYSTEM?

Bring OEMs, partners, Banks and NBFCs together through one connected lending ecosystem.