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ACTICO Credit Decisioning Software

Transform India’s affordable housing lending with ACTICO

Fast, accurate, and compliant decision-making – built for NBFC’s and housing lenders.

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ACTICO client Grihum housing finance
ACTICO client DMI Finance
ACTICO client UMMEED Housing Finance

Built for change. Trusted by India’s housing finance leaders.

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Flexible rule management

Adapt faster to policy and regulatory changes. Update rules and credit logic anytime – no coding, no vendor dependency.

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Faster go-to-market cycles

Accelerate your response to market needs. Launch new products and policy updates in days, not weeks.

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Empowered teams

Enable ownership without losing control. Give experts the tools to act – while governance stays intact.

A platform that streamlines affordable housing loan processing

In India’s retail lending environment, regulations shift fast and customer demands are diverse. ACTICO gives you the tools to stay ahead – with a modular platform that empowers your team to adapt and execute autonomously.

Want to see it works in actions? Watch the demo below.

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The implementation of the ACTICO Credit Decision Platform has significantly transformed our lending operations, particularly in automating our policy norms and accelerating decision-making processes. With this implementation, our company’s credit policies and rules have been seamlessly automated. This has minimized the need for manual intervention in evaluating loan applications, ensuring that each decision adheres strictly to predefined criteria.

Aditi Paliwal

Chief Operating Officer, UMMEED Housing Finance

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Credit Decision Platform

Benefit from a trusted technology partner

ACTICO works with local implementation partners in India. Take advantage of the flexibility and scalability of features, user permission controls and seamless connections to your internal and third-party systems. The platform is built on the latest technology standards, supporting both cloud and on-premises deployments. It is database-agnostic, Kubernetes-supported, and offers multiple hosting options.

Start the digital transformation of your affordable housing loans now.

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Core capabilities at a glance

Fast processing

Loan Approvals completed in seconds, not days. ACTICO supports NBFC’s and financial institutions in accelerating lending decisions – enabling faster time-to-yes while maintaining transparency and control.

Consistent decisions

Deliver fair, traceable and policy-driven lending – at every branch, by every team member. With decision automation, your credit policies are applied uniformly, reducing errors and reinforcing trust in every approval.

Regulatory compliance

Benefit from a fully traceable audit trail for every credit decision. This makes it easier to meet India’s regulatory standards while increasing internal oversight and trust in every step of the approval process.

Data integration

Connect and harmonize a variety of data sources – from credit bureau data to income proofs. Our solution ensures accurate, structured inputs for sound, automated credit decisions.

Scalabiltiy

Our solution adapts to your growth: Launch new loan products or scale up regional operations – quickly and securely, without disrupting day-to-day lending activites.

Security

SOC2-certified with strong data protection measures: Robust safeguards protext your customers and your institution at every stage.

Recognised throughout the industry.

For many years, ACTICO has been recognised by customers and analysts as a leading provider of Advanced Decision Automation Technology and solutions for Compliance and Credit Risk Management.

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Benefit from our local expertise

Real business impact, real customer stories

DMI Finance: Moving towards 100 percent digital customer journey

DMI Finance relies on ACTICO Decision Management Platform to drive decision automation and become a “digital lender.”

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Decisioning workflows and rules without software coding

Indian financial services company Bajaj Finance uses ACTICO business rules engine for credit decisioning.

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Success through flexibility and efficiency in line with regulations

UMMEED Housing Finance counts on ACTICO Credit Decision Platform to overcome automation challenges.

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Explore your options

Want to learn more about ACTICO’s offering for affordable housing loans?

We’re here to help. Fill out the form and our local exert – Vishwas Trehan, Director Sales India and South Asia – will get in touch with you directly to discuss your specific needs.

Let’s explore how ACTICO can support your lending operations in India’s dynamic affordable housing sector – wit hspeed, flexibility and control.