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LEAD QUALIFICATION

Qualify every lead before your team picks up.

Ask the right questions inside WhatsApp and RCS. Verify a borrower's Aadhaar, PAN and GST, collect documents, or capture what a traveller or home buyer is looking for, then hand your team a lead that's ready to close.

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LOAN ONBOARDING JOURNEY

Qualification and verification all inside WhatsApp.

Every screen opens inside the WhatsApp chat. Each answer is verified before the borrower moves on, so the offer at the end is based on checked data.

Cancel
Verify your PAN
⋯
Quick PAN verification ✨
PAN
••••
Enter your PAN so we can verify your identity and fetch your basic details securely 🔒
Your PAN card
ABCPM1234K
5 letters, 4 numbers, 1 letter
Validate PAN ✅
Managed by Aranya Finance
SCREEN 1

Verify PAN

The PAN is checked for format and status the moment it's submitted.

PAN verification API
←
Confirm PAN details
⋯
Review details 🔍
Full name
MEENA SHARMA
Date of birth
14/05/1990
Gender
Female
PAN
ABCPM1234K
Are the details above correct?
Yes 👍
No 👎
Proceed to next step ➡️
Managed by Aranya Finance
SCREEN 2

Confirm identity

Name, date of birth and gender come back from the PAN record for the borrower to confirm.

←
Employment and income
⋯
What is your employment status?
Student
Salaried
Self-employed
Monthly income (₹)
60,000
✓
I authorise the credit bureau to share my credit report for this loan.
Employer
Verified · UAN
Credit score
772
Proceed to verification 🚀
Managed by Aranya Finance
SCREEN 3

Employment, income and credit

The employer is verified through the UAN record, and the CIBIL score is pulled after consent.

←
Your final loan offer
⋯
Your loan offer awaits 😊
Based on your income of ₹60,000 and a credit score of 772:
Amount
₹6,00,000
Rate
11.5% p.a.
Tenure
48 months
EMI
₹15,653
Accept offer 🎉
Not interested
Accept & proceed to KYC 🚀
Managed by Aranya Finance
SCREEN 4

Offer and KYC

The offer is calculated from verified data. Accepting it starts KYC in the same chat.

Your credit policy
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KYC VERIFICATION

KYC verification, done inside the conversation.

Identity, address and business checks run through verification APIs while the customer is still in the chat. Your team receives a verified customer, and the customer never types the same detail twice.

AF
Aranya Finance
✓ Verified business
←
Share bank statement
⋯
Share your bank statement through an RBI-licensed Account Aggregator, so we can check your income for this loan.
Bank account
Savings account •• 4821
Account Aggregator ID
rahulk@aa
✓
I agree to share my bank statements with Aranya Finance for this loan.
Consent details
Purpose
Loan underwriting
Data shared
Bank statements
Period
Last 6 months
Frequency
One time
Consent valid till
05 Dec 2026
Approve and share
Shared securely via Account Aggregator

Every check, in the order your policy needs

Each step runs only after the customer agrees to it, and every result is stored with a timestamp for your audit trail.

1
Consent first. The customer approves each check before it runs, inside the same form.
2
Identity. Aadhaar is verified by OTP and PAN is validated, with name and date of birth matched across both.
3
Documents in chat. Address proof and other papers arrive as photos or PDFs. Unclear files get a re-upload request straight away.
4
Verified record out. Results go to your CRM or loan system through APIs, and the customer moves to the next step.
IDENTITY

PAN

Checked for status and name match as soon as it's entered.

✓ Valid, name matched
BUSINESS

GSTIN

Registration, status and filing history for business customers and partners.

✓ Active, filings up to date
IDENTITY

Aadhaar

OTP-based verification with the customer's consent, inside the flow.

✓ Name and address matched
ADDRESS

Address proof

Documents shared in chat are read and checked against the details already verified.

✓ Utility bill accepted
INCOME

Bank statements

Uploaded statements or Account Aggregator consent, analysed for income and existing EMIs.

✓ Avg. credit ₹62,400
CREDIT

CIBIL score

Pulled with consent and matched to your credit policy in real time.

✓ Score 782
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Travel enquiries

Know the trip before you quote.

When someone asks about a holiday, a WhatsApp Flow asks where, when, who's travelling and what they want to spend. Your travel desk gets a complete brief instead of a one-line "Hi, price?"

✓
Capture destination, dates, number of travellers, budget and package type in one short form.
✓
Score each enquiry and send honeymoon, family or group trips to the right specialist.
✓
Reply with matching packages and itineraries straight away, while the traveller is still in the chat.
T
Sample Holidays
WhatsApp Flow
Plan your trip
Destination
Kerala
Travel dates
12 Dec - 17 Dec
Travellers
2 adults, 1 child
Trip type
Honeymoon
Family
Adventure
Group
Budget per person
₹30,000 - ₹45,000
Get my itinerary
New lead
Hot
Ritu P.
Family holiday · Kerala
Dates
12-17 Dec
Group
2 adults, 1 child
Budget
₹30k-45k pp
Assigned to
Domestic holidays
3 Kerala packages sent in chat
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Property enquiries

From "just browsing" to a booked site visit.

Buyers tell you exactly what they want in the chat: the configuration, budget, locality and when they plan to move. Your sales team only calls the ones who are ready.

✓
Ask for 2BHK or 3BHK, budget range, preferred localities and possession timeline in one flow.
✓
Share matching projects, brochures and floor plans instantly, and let buyers pick a site visit slot.
✓
Route each lead to the sales team for that locality, with the full brief attached.
R
Sample Realty
WhatsApp Flow
Find your home
Looking to
Buy
Rent
Configuration
1BHK
2BHK
3BHK
4BHK+
Budget
₹1.2 Cr - ₹1.5 Cr
Preferred locality
Whitefield, Sarjapur Road
Possession
Ready to move
Show matching homes
New lead
Hot
Aman V.
3BHK to buy · East Bengaluru
Budget
₹1.2-1.5 Cr
Localities
Whitefield, Sarjapur Rd
Possession
Ready to move
Assigned to
Sales, East Bengaluru
Site visit booked: Sat, 11:00 am
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IN-CHAT QUALIFICATION

Qualify leads right inside WhatsApp and RCS

Your bot asks the questions your sales team would, with tap-to-answer buttons. Every reply updates the lead, and only the qualified ones reach your team.

AF
Aranya Finance
Verified business
What do you need the loan for?
Home renovation
And how do you earn?
Salaried
Self-employed
01

Loan enquiries on WhatsApp

The bot asks what the loan is for, how much is needed and how the customer earns, using tap-to-answer buttons. Eligible leads go straight to your CRM.

WhatsApp
→
Lead score
→
CRM
BA
Brightpath Academy
✓ Verified sender
Which programme are you interested in?
MBA
BBA
B.Tech
MBA
You're eligible for MBA 2027
Talk to a counsellor about fees and scholarships.
Book a counselling call
02

Admission enquiries on RCS

Students pick a programme and share their scores with suggested replies. Eligible students get a card to book a counselling call, and a counsellor is assigned.

RCS
→
Eligibility check
→
Counsellor

Ready to qualify leads inside the chat?

Book a walkthrough and see your own qualification questions, KYC checks and lead routing running on WhatsApp.