Sahakar Shakti Sahakar Shakti More Power to Cooperatives
Sahakar Shakti for

Cooperative
Banks.

Stop juggling vendors. Run all of cooperative lending on one connected layer.

Sahakar Shakti embeds CRM, Loan Origination, Loan Management and Collections into a single platform with SahAI woven through and a built-in Product Studio. Configure your own products, change rules without an integration cycle, ship without a vendor in the middle. Sits on top of your CBS without replacing it.

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A Layer On Top Of Your CBS
SAHAKAR SHAKTI · LENDING LAYER CRM Sourcing LOS Origination LMS Servicing Collections Recovery LINKS ACCOUNT & LOAN REFS YOUR CORE BANKING SYSTEM CBS Stays Unchanged · Accounts · Ledgers · GL

One Layer. Four Functions. Built To Configure.

Sahakar Shakti is the lending operating layer cooperative banks have been improvising with spreadsheets, ad-hoc tools and disconnected vendors. Everything from a fresh lead to a closed loan flows through one connected platform.

CRM & Onboarding
Built In
leads, members, channel partners
LOS & LMS
One Stack
no exports between systems
Product Studio
Yours To Configure
ship products without vendors
SahAI Embedded
Every Screen
advisory, never autonomous

What You Stop Doing.

The cost of cooperative-bank lending today is not the software licence. It is the time spent moving data between vendor systems, waiting for change requests, and reconciling what should never have been in two places.

What Banks Do Today
With Sahakar Shakti
CRM, LOS, LMS and Collections in separate vendor systems
→
One connected platform with shared data across every module
Wait months for a vendor to add a new product
→
Configure and launch your own products from Product Studio
Pay for an integration cycle every time something changes
→
Change rules, eligibility and document checklists from settings
Reconcile across spreadsheets to see portfolio view
→
Live portfolio dashboards from the same database that runs ops
Train teams on multiple vendor user interfaces
→
One UI, role-based access, the same workflow shape across modules
Wait for AI on someone else's roadmap
→
SahAI is embedded across every screen on day one, with guardrails

The Six Capabilities On The Lending Layer.

Each one earns its place by removing a vendor or a workaround. None of them try to replace your CBS.

01

CRM & Onboarding

Capture every lead from every channel, take it through onboarding, and keep one connected member or customer profile for life.

  • Lead capture from walk-ins, QR codes, member referrals and DSAs
  • Public lead-create and customer self-service portals
  • Channel-partner panel with assignment and lead-source tracking
  • Dedupe rules and DPDP-aligned consent across every entry point
  • One member or customer profile linked to every loan, deposit and case
02

Loan Origination (LOS)

From application to sanction with zero re-typing. Configurable per product, per borrower type, per branch.

  • Configurable application forms with capture-field master
  • PAN, Aadhaar, GST, Bureau, MCA verifiers in-flow with credit charging
  • Eligibility engine with product-specific gating and approval criteria
  • Multi-tier approval ladders, deviation capture, conditional sanction
  • Auto-generated Key Fact Sheet, Sanction Letter and CAM, with eSign in-flow
  • Priority Sector classification and tagging at sanction
03

Loan Management (LMS)

Disbursement to closure on the same platform. The loan does not leave Sahakar Shakti once it is booked.

  • Tranche disbursement with maker-checker control
  • Reducing, Flat and Bullet repayment methods, configurable per product
  • EMI scheduling with FIFO waterfall on payment posting
  • Restructure, foreclosure quote and closure flows with audit trail
  • NOC, sanction letter and EMI-schedule PDFs at one click
  • Advanced portfolio analytics and configurable reports
04

Collections

Bring overdue accounts back home with structured workflows, not WhatsApp threads.

  • DPD bucketing, ageing, NPA and write-off tracking on a live queue
  • PTP capture, broken-PTP detection, follow-up history per case
  • Field-officer assignment with map and route visibility
  • External agency portal with case-level scope and reporting
  • Legal-handover workflow with document and timeline trail
05

SahAI, Embedded Across Every Screen

AI for cooperative lending. Built with guardrails, not hype. Advisory by design, never autonomous.

  • Plain-language Q&A on any lead, application, loan or collection case
  • Gap detection: "what's missing before sanction" returns a real list
  • Drafted credit notes and collection narratives the officer edits and signs
  • Policy lookup with citations from your tenant's own product documents
  • PII tokenised before any LLM call, tenant-level kill-switch built in
06

Product Studio

The capability that breaks vendor dependence. Configure your own products and ship without an integration cycle.

  • Define capture fields, eligibility, gating and approval criteria per product
  • Variant system: Standard, GST and ABB profiles per borrower type
  • Configure small-value loan products in minutes
  • Maker-checker on publish so changes are governed, not chaotic
  • Clone an existing product and tune it for a new segment
  • Launch a new product without a vendor in the loop

Highly Configurable. Plug and Play.

APP-2056 — Manohar Enterprises Pvt Ltd In Review CASE Business Loan · ₹35,00,000 · 36 months · 12.5% Reducing BRANCH · PUNE CAMP RM Anjali Joshi · Stage Credit Review ELIGIBILITY Eligible All 8 rules met CREDIT BUREAU 742 CIBIL · refreshed 12 May RISK Low Score 78 · No deviations DOCUMENTS 9 / 11 2 pending APPROVAL LADDER ✓ Branch CLEARED 2 Credit IN REVIEW 3 Credit Head PENDING 4 Sanction PENDING 5 Disburse PENDING DOCUMENT CHECKLIST ✓PAN · GST · MOA · AOA ✓2 Years Audited Financials ✓Promoter PAN, Aadhaar, Bureau ○GST returns · 12 months ○Insurance assignment letter SAHAI · GAP CHECK Two items pending before sanction: • Insurance assignment letter (mandatory for BL ≥ ₹25 L) • GST returns — last 3 months are missing on file

Break The Dependence.

The cost of running cooperative lending today is not licence fees. It is the dependency on multiple vendors who control your timelines.

01

Vendor Lock-In

Every adapter, KYC, Bureau, SMS, AI and payment, is swappable per tenant. Switch a verifier without re-platforming. Replace an SMS provider in a settings change.

02

Silos Between Modules

One data model across CRM, LOS, LMS, Collections and Deposits. No exports, no reconciliations, no third copy of the customer record.

03

Endless Integration Cycles

Configure rules, products, approval ladders and document checklists yourself. No vendor in the loop for routine change. Maker-checker keeps governance intact.

See One Layer Replace Four Vendors.

A live walkthrough on your portfolio shape. CRM, LOS, LMS, Collections and Product Studio in one connected stack. About thirty minutes.

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