FLOWBOOK

Execute personal loan agreements with OTP-based Aadhaar eSign

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Key Feature:
Local Languages
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Local Languages
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Local Languages
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Prefer an interactive walkthrough?

Top Banks and NBFCs are using Leegality flows to digitise their Personal Loan paperwork

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FAQs

Are specimen signatures collected through Sign Upload valid?

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  1. Can the loan agreement template be customised for different loan products?

Yes, you can create customised loan agreement templates for different loan products, languages, or other segments using our Template Engine. You can then set them as seperate workflows in Leegality, so the right agreement template is shown to the borrower based on their details.

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  1. I want my co-borrowers and guarantors to sign the loan agreement. Can I add multiple signers in the flow?

Yes, you can add as many co-borrowers and guarantors as you need. You can also choose their eSign type (Aadhaar eSign, Quick Sign, Virtual Sign, etc.) and where their eSign will appear on the document.

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  1. How is the borrower consent for eSign captured and logged fro audit purposes?

The borrower's eSign consent is collected before they sign the loan agreement. This consent is recorded in the language chosen by the borrower, along with timestamps and all related document activities, in the Secure Audit Trail. The Secure Audit Trail is then sent to both your system and the borrower for future reference, including audits.

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  1. Is there a way to track whether the customer has received or accessed the signed document?

You can track the delivery status of your eSign links, signed documents, and other notifications across email, SMS, and WhatsApp with Leegality Notification Logs.

1. Document Creation

Creating the loan agreement: If you're using LOS/LMS to create the loan agreement, you can send it to Leegality in PDF format. Else, you can pass customer data from the LOS/LMS to Leegality and create the agreement using Leegality Templates.

2. Stamp document

Leegality stamps the agreement and sends an eSign invite to the customer's WhatsApp.

3. Borrower views document

Borrower previews the fully stamped document. They can change the language of the UX/UI if they want.

4. Borrower verifies their identity

Optional

Borrower's face is captured to check liveliness to ensure they're actively present during the process.

You can match this photo against KYC photo to ensure the right person eSigns.

5. Borrower acknowledges agreement

Borrower gives their eSign consent in vernacular language and eSign the loan agreement via OTP-based Aadhaar eSign.

6. Borrower's Aadhaar Verified

eSign Certificate by UIDAI is verified against the Aadhaar collected during KYC - eSign is blocked if they don't match, i.e., the signer uses someone else's Aadhaar to eSign.

7. Auto-affix bank signature

Bank/NBFC signature is automatically affixed using Doc Signer.

8. eSigned document sent to borrower

The eSigned document is automatically sent to the customer via WhatsApp and stored in LOS/LMS under the customer's profile.

Step 1

Leegality Templates

PDF Merge

Step 2

BharatStamp

WhatsApp Pings

Step 3

Local Language eSign flow

Step 4

Smart User Liveliness

Face Match

Step 5

Aadhaar eSign

Step 6

Aadhaar eSign Verifier

Step 7

Doc Signer

Step 8

WhatsApp Pings

SFTP

Step 1

Document Creation

Step 2

Stamp document

Step 3

Borrower views document

Step 4

Identity verification

Step 5

Borrower acknowledges

Step 6

Aadhaar verified

Step 7

Bank signature

Step 8

Document sent