eSthenos is an award winning, efficient & customer centric fin-tech platform trusted by well known financial institutions. eSthenos offers ‘designed by users’ CRM, Loan Origination System, Lead Management System, Underwriting Platform, Business Intelligence & Analytics Platform for Banks | NBFC | MFI | FI

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2. eSthenos is an efficient & customer centric fin-tech platform dedicated to Financial Institutions.
eSthenos offers ‘designed by users’ CRM, Loan Origination System, Lead management System,
Underwriting platform, Business Intelligence & Analytics tool which are highly scalable & customisable
by design and enables Users to achieve high productivity in terms of business numbers and thus reduces
cost of acquisition by a substantial margin.
About eSthenos
Few endorsements
500+
9
600+5,500+
30+
Locations
Users
Partners
Crosssale
products
Monthlybusiness
sourcing(inINRCr.)

3. The Platform
.
.
.
.
.
Easy UI & UX, Multi-lingual
support, real-time notification
for User’s and Supervisors, Zero
system level TAT, Real-Time
Management Dashboards
Increased Productivity &
Reduced TAT drives
incremental business, Real-
Time Data aids Management
Decision, Positive impact on
P&L. with Increased Income
and Cost Reduction
Highly Scalable and Flexible LOS, CRM,
Underwriting, Monitoring & Analytical
platform which can handle ~5,000 hits
/second & millions of applications.
Integrated with 3rd party Service
Platforms [Credit bureaus, Aadhaar,
KYC, CBS, Credit Assessment tools
etc.]
High user acceptance due to
designed for User’s by User’s
model. Complete field process
covered on handheld to remove
paper & expedite the
onboarding process.
Product
Platform
Partners/User
Performance
~24X7
uptime
Cloud/
Hybrid
installation
Bank grade
security
Data
encryption
on the go
Highly
scalable
Survey
Member
onboard
ing
E-KYC
Credit
Bureau
Field
Training
Guarant
or
Tele
verificati
on
Loan
originati
on
Repaym
ent
LUC
Note: ~24X7 uptime is for cloud installation

4. Product Lines & Future Roadmap
gravity’ is LOS, CRM & Underwriting platform for group &
individual loans where all field level activities happens over Android
based app & office related activities over web based platform
FoS’ is LOS & CRM platform for Small & Medium Size business
loans, Housing & LAP where user organization can have multiple
levels of scrutiny at field and at office level, before final sanction.
‘honor’ is a collection management platform which offer various
source of collection on a single platform
‘Banyan’ is business intelligence & analysis platform for Banks, BC
integrators, NBFCs etc.
‘right turn’ is LOS & CRM platform for Vehicle finance loans, where
2 levels of rule engine based Underwriting enables User’s to offer a
loan under 30 minutes.
Current presence- India
Under discussion-Nepal
Exploring-Cambodia, Myanmar & Vietnam
Analytics platform Banyan offers
o A complete internal fraud detection &
deterrence using Deep learning & AI.
o Turbo lead generation engine which
uses FAIL application as base.
In testing
o Vehicle finance platform
Outreach & Expansion
Note: All the products & platform is conceived, designed, developed & owned by
eSthenos Technologies Pvt. Ltd.

5. Process flow

6. Impact-Case Study-Client
NBFC-MFI
o AUM~INR 2,150 Cr.
o Among top 10 in the country
o Operation in 9 States
o 2,500 users
o Complete automation Including
bank partnership
Application sourced per
Salesman
TAT per application
Disbursement per month
Time taken to know do-
ability
Management
information/visibility
Field force per location
106
5 Days
INR 110 Cr
Real-time
Real-time
5
40
12 Days
INR 60 Cr
3 Days
Not available
6
Metrics Before After
INR 536 cr AUM
Dec-15
~INR 1,000 cr AUM
Mar-17
~INR 2,150 cr AUM
Mar-18
+50%
•Productivity
increase
+50%
•TAT
Decrease
100%
•Automation
Positive
•Cost
reduction
Positive
•Topline
Increase

7. Critical features
o Online & Offline Support
o Integrated Credit Bureau [Equifax-Highmark-CIBIL]
o Integrated eKYC [OTP-Finger print-Iris]
o Multi Language Support
o Cross verification-Neighbors checks
o Branded Disbursement Kit
o Cashflow Analysis
o Auto Geo Location Tagging at various critical point
o Algorithm based Automated Underwriting
o Meeting Scheduling
o Multiple hierarchy support
o Audit trail
o Partner wise sales, performance & business tracking
o Single view dashboard for all the partners
o Individual loans Flow
o Collection Module
o SMS/Push Notification
o Auto Populate Previous Customer
o Collection Route planner
o Customer Notification of loan status
o Second cycle loan support & alarm
o Cross sale support
o LMS integration
o Realtime dashboards
o Reports
o Disbursement though API banking
Helping more than
5,500 active users to do
business with ease
Reducing waiting time
for more than 3,00,000
customers
Saving around 6L
A4 size paper
Bringing more
than INR 400 cr.
to the needy
Saving 100s of trees
to have a green & clean
environment for all
Social & environmental impact…every month

8. Team
Team eSthenos
✓ Team comprises of Alumnus of IIT/NIT
✓ Having past experience with Indian Unicorn Start-ups
✓ Extensive experience in Big-data, Banking & Microfinance, Cloud Computing &
Large scale Infrastructure implementation & Management
Aniket is having 11+ years of experience across various
industries, financial services, technology and supply chain.
Before eSthenos, he was leading Product & Operations teams
for India Value Fund's(IVF) portfolio companies in the
Microfinance & Financial Services Space. He is an alumnus of
IRMA
Vijay has 9+ years of experience in the banking & financial
services space. Before eSthenos, he was part of the Treasury &
Financial Planning team for India Value Fund's(IVF) portfolio
companies in the Microfinance & Financial Services Space. He
has done his Masters in Management from Welingkar Institute,
Mumbai & has cleared all levels of CFA, US
Dinu is having 11+ years of experience in running and
delivering large IT projects. In his last assignment, he was
working with Thoughtworks, as part of its Banking Digital
Transformation team. He is an alumnus of KJ Somaiya,
Mumbai
Siddharth is having 10+ years experience in the field of
Capital markets and Investment Advisory & a serial
entrepreneur. A CHARTERED WEALTH MANAGER®
(CWM®) and alumnus of Welingkar institute ,Mumbai

9. eSthenos Technologies Pvt. Ltd.,
2151, 2nd Floor, HAL 2nd Stage,
17th Main, Opp. Indiranagar BESCOM,
Bengaluru [India] 560 008
www.esthenos.com
enquiry@esthenos.com