Skip to content
KarjaSetu
How KarjaSetu Solves It

FROM FRAGMENTED CONNECTIONS
TO ONE CONNECTED SYSTEM.

OEMs, Dealers and Lead Generators each connect separately to every Bank and NBFC today — different APIs, different formats, different status updates. KarjaSetu replaces that with one standardized connection.

TodayWith KarjaSetu
01 — The Connection

OEM / PARTNER. KARJASETU. BANK / NBFC.

Connect once to KarjaSetu and participate in a standardized ecosystem.

OEM / Partner
Sends the opportunity
KarjaSetu
Bank / NBFC
Receives the opportunity
02 — Lead Exchange & Connectivity

STANDARDIZED APIS. ONE DATA FORMAT.

Bandhan enables standardized communication between OEM, Dealer, Bank and NBFC systems — one integration, not one per partner.

OEM System
Bank / NBFC API
03 — Routing & Orchestration

THE RIGHT LEAD. THE RIGHT LENDER.

Based on configured partner and lender rules, Sutra routes each opportunity to the appropriate Bank or NBFC.

Sutra
Bank AMatched
Bank BEvaluating
NBFCAvailable
04 — Status & Outcome Sync

STATUS FLOWS BACK, AUTOMATICALLY.

The lender sends status updates through KarjaSetu — OEM, Dealer and other authorized stakeholders receive them without a manual follow-up.

Bank / NBFC
Sends the update
KarjaSetu
OEM / Partner
Receives the update
Application Approved
05 — The Final Outcome

THE CUSTOMER GETS ONBOARDED.

Every connection, every routing decision and every status update exists for one outcome — the customer’s financing journey, completed.

Customer Onboarded
Why It Works

BUILT FOR BOTH SIDES OF THE ECOSYSTEM.

For OEMs & Partners

  • One integration, access to multiple participating lenders.
  • Faster financing journey and better dealer experience.
  • Centralized visibility instead of a separate view per lender.

For Banks & NBFCs

  • Faster, standardized partner onboarding.
  • Better lead visibility and consistent data exchange.
  • Automated status updates, without manual coordination.

The lender retains complete control of credit and lending decisions — KarjaSetu delivers the opportunity and orchestrates the information exchange.

See It In Action

EXPERIENCE THE CONNECTED ECOSYSTEM.

Request a demo and see how KarjaSetu connects OEMs, Dealers, Banks and NBFCs into one system.