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    • TCS BaNCS™
    • Case Studies

    Transforming India’s Lending Sector with a New Digital Platform

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    Products and platforms

    TCS BaNCS™ This will open an overlay

    TCS BaNCS™: Enabling Transformation in Banks and Financial Institutions

    Offering Software-as-a-Service across a stack of solutions and applications, TCS BaNCS facilitates smooth transformation in financial services and drives growth.
    Learn More
     about TCS BaNCS™: Enabling Transformation in Banks and Financial Institutions
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    Related Insights
    TCS Partners with The Cumberland Building Society to Transform its Core Banking Solution
    By deploying its proprietary banking solution, TCS BaNCS  for Core Banking, TCS will enhance member experience, mortgage solutions, and operational resilience for the Building Society
    Press Releases
    20 Mar 2025
    TCS Partners with Khan Bank to Future-Proof its Operations, Enhance Customer Experience and Propel Innovation leveraging AI and ML
    Tata Consultancy Services will deploy its flagship global banking platform, TCS BaNCS™, positioning Mongolia’s Khan Bank for growth, enhance experience for its 2.9 million customers and focus on improved operational efficiencies
    Press Releases
    14 May 2025
    Council of Europe Development Bank Partners with TCS to Transform Reconciliation Processes
    Through this partnership TCS will deploy its flagship product, TCS BaNCS for Reconciliations, to help the bank manage complex transactions and streamline processes using AI and automation
    Press Releases
    16 Jun 2025

    Highlights

    • Non-Banking Financial Companies (NBFCs) are a key component of India’s financial ecosystem
    • These firms have struggled to meet consumer expectations due to their largely manual processes 
    • This fragmented structure and common attributes lent itself to a cloud-based SaaS platform
    • TCS built a cloudbased lending and securitization solution, bringing together TCS BaNCS™ and TCS iON™, and the DigiGOV™ governance framework 

    In this article

    Challenge   inpage
    Solution   inpage
    Benefits   inpage
    What made it happen   inpage
    Challenge inpage
    Solution inpage
    Benefits inpage
    What made it happen inpage
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    In this articleinpage
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    Challenge Solution Benefits What made it happen

    Challenge

    Low-tech, high opportunity

    Non-Banking Financial Companies (NBFCs) are a key component of India’s financial ecosystem, helping make credit and other financial services accessible to the small-scale and unorganized sectors, and to the large unbanked population. However, with low technology intensity and largely manual processes, these firms have struggled to meet consumer expectations around digital experience and speed of service on the one hand, and with regulatory compliance and lack of easy access to capital on the other hand. 

    This has held back the sector’s growth relative to the market’s potential. Recognizing that the industry’s fragmented structure and common attributes lent itself to a cloud-based SaaS platform, TCS built a first-of-its-kind, cloudbased lending and securitization solution, bringing together the power of two of its highly successful products – TCS BaNCS™ and TCS iON™, and the DigiGOV™ governance framework, to completely digitize and reimagine the core processes for the sector.

    Solution

    Collaborative, connected

    The new platform is a collaborative, connected system that transforms the end-to-end lending and securitization value chain, offering secure and timely flow of data among stakeholders within the ecosystem. It leverages AI and ML to enhance end-customer and internal-stakeholder experience, and improve speed and accuracy in decision-making.

    Swipe Left
    Swipe Right

    Our partnership with TCS is helping us to realize our strategy of investing in technology enabled solutions to improve customer experience.

    DEO SHANKAR TRIPATHI

    MD and CEO, Aadhar Housing Finance Limited

    Benefits

    Expanded ecosystem

    NBFCs subscribing to the platform benefit from enhanced customer experience, improved liquidity, more resilient and agile operations, and improved regulatory compliance across lending and securitization. Impressed with the rich functionality, flexibility and scalability of the solution, some of India’s largest private sector banks are also adopting it for their personal lending business.

    Aadhar’s agile adoption

    Aadhar Housing Finance Limited, a housing finance company with a pan-India presence implemented TCS’ lending and securitization solution in FY 2022 and has been able to transform its operations, end to end. At the back end, TCS’ solution has helped strengthen controls, ease regulatory compliance, enhance data security and drive operational efficiency. On the front end, it has enabled easier and more efficient customer experience. The solution’s robust lead management processes, with lead tracking and reporting have helped drive Aadhar’s growth and expand its market presence.

    Deo Shankar Tripathi, MD and CEO, Aadhar Housing Finance Limited “Our partnership with TCS is helping us to realize our strategy of investing in technology enabled solutions to improve customer experience. We hope to reap the full benefit of this transformation to expand our market reach.” 

    what made this happen

    Our banking clients serve everyone from high-net-worth households or first-time homeowners to people opening bank accounts through financial inclusion initiatives. Encompassing solutions for payments, transaction banking, treasury, reconciliations, and risk management, our solutions help banks foster rapid growth, innovate at scale, and realize a shared purpose through the TCS BaNCS ecosystem. 

    TCS BaNCS is used in more than 100 markets globally, across the Capital Markets value chain encompassing asset servicing, brokerage, market infrastructure institutions and custodians. A set of industry-leading products, TCS BaNCS has helped both buy-side and sell-side institutions implement robust, error-proof, STP-enabled processes spanning trade processing, clearing and settlement and portfolio accounting across multiple assets and markets. On the retail and institutional brokerage side, customers have seen breakthrough growth in trade volumes, while being able to handle 100,000+ concurrent users with microsecond response times.

    Market infrastructure institutions have been able to combine high performance, low latency, and best-in-class resilience with the agility to introduce new products and multiple asset classes with the TCS BaNCS solution.

    TCS BaNCS for Insurance is an end-to-end core insurance solution spanning life, annuity, pensions, property and casualty, reinsurance, and health insurance, and is designed to support every event in the lifecycle of a policy. The solution services over 30 million life, annuity, and pension policies and 135 million property and casualty policies for customers in UK, Australia, New Zealand, South Africa, Middle East, Hong Kong and India. 

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    Transformation is within reach

    TCS BaNCS customers will always be at the forefront of new trends.

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