Customer: Aditya Birla Capital Limited (ABCL)
Industry: Financial Services & Lending
Product(s): Tartan HyperVerify - Unified Verification APIs
Primary Use Case: End-to-end verification for personal and business loan underwriting

Executive Summary

Before Tartan, ABCL’s loan approval process hinged on a patchwork of verification tools for PAN, UAN (EPFO), GST data, and employment history. Each check lived in a different system, required manual handoffs, and created opportunity for delays and errors that lengthened underwriting cycles and reduced throughput.

By implementing Tartan’s HyperVerify real-time verification APIs, ABCL moved to a single verification layer integrated directly into its Loan Origination System - eliminating manual consolidation, reducing friction in underwriting workflows, and dramatically improving operational agility.

The impact was tangible: loan approval turnaround times (TAT) dropped, underwriting workstreams accelerated by factors of 3× for verified applicants, and verification results were delivered directly into dashboards, eliminating manual effort and supporting better risk decisions.

This is not simply automation - it’s a shift from manual dependency toward verification as reliable infrastructure, enabling ABCL to move from reactive workflows to predictable, scalable decisioning.

The Strategic Challenge: Fragmented Verification Undermined Speed

Prior to Tartan, ABCL’s underwriting teams had to stitch together identity and business credentials from multiple sources:

• PAN had to be checked in one system.

• EPFO/UAN employment verification lived elsewhere.

• GST status and work email checks required separate tools.

• Results were manually reconciled and re-entered into the LOS.

This fragmented approach created three structural limits:

1. Cycle times scaled with verify volume. More applications meant more manual reconciliation and slower approvals.

2. Manual errors introduced operational risk, especially when disparate systems returned inconsistent results.

3. Underwriters spent more time consolidating data than deciding on credit risk.

For a lender, speed of decisioning is directly tied to economic outcomes - faster approvals improve the customer experience, increase funded volume, and reduce leakage from abandoned applications.

Insight: In lending, verification cannot be an afterthought or an assembly of fragmented tools. It must be unified, reliable, and embedded in the decision flow - otherwise underwriters are spending cycles on assembly, not analysis.

The Solution: One Unified API Console for Real-Time Verification

Tartan helped ABCL implement a single API console that unified all necessary verification types into one endpoint within the LOS: PAN, UAN (EPFO), GST, and work email verification.

Instead of pulling data from separate systems and manually aggregating results, ABCL’s underwriting engines now:

• Fetch and verify multiple data sources instantly, with one API invocation.

• Auto-populate verification outputs directly into LOS workflows, eliminating manual data assembly.

• Embed compliance and risk signals in real time, enabling faster and more confident decisioning.

Importantly, this transformation did not require a full overhaul of the LOS - Tartan’s layer slotted into existing systems without disruptive migration.

Insight: Operational scalability emerges when multiple point tools are replaced with unified verification infrastructure. This is not just “API efficiency” - it changes how teams think about risk, decision speed, and operational capacity.

Operational Impact: Broken Timelines Become Predictable Velocity

With Tartan’s unified API layer:

• Loan approval TAT dropped, dramatically compressing underwriting cycles. Verification that previously added days now completes in seconds, directly into the LOS.

• Underwriting throughput improved ~3× for verified applicants because decision engines received verified data without manual reconciliation.

• All verification results feed automatically into dashboards; underwriters no longer spend time on data consolidation.

Transformation at this scale yields operational confidence: teams can forecast throughput without contingency buffers for manual work, and risk workflows are enriched with consistent, structured data at the point of decision.

Insight: When underwriting processes are limited by manual data assembly rather than credit logic, institutions cannot scale. The shift to automated verification turns what was once a bottleneck into a predictable input signal for business outcomes.

Business Impact: Speed, Confidence, and Competitive Edge

The operational improvements flow directly into business outcomes that matter to executives:

• Faster approval times improve customer experience and reduce drop-offs before disbursement decisions.

• Higher throughput at the same headcount improves productivity and margin capture.

• Real-time verifications reduce risk of stale or inconsistent data, supporting better portfolio quality.

• Strategic allocation of underwriting teams becomes possible because manual assembly work disappears.

This combination of speed and accuracy strengthens ABCL’s ability to compete in a market where consumers expect near instant decisioning without sacrificing credit rigor.

Insight: The real value of verification automation is not just speed - it is velocity with confidence. When decisions are fast and reliable, market share and customer sentiment improve together.

Customer Perspective

“Tartan gave us a single pane of glass for all verifications. We move faster, underwrite smarter, and improve user journeys.”
- Head of Digital Lending, ABCL

This quote is not just about integration - it reflects strategic leverage. Unified verification becomes a foundation for faster decisions and better risk outcomes.

What This Enables Going Forward

With real-time, unified verification embedded into underwriting, ABCL now has:

• Scalable decisioning pipelines that grow with application volume, not manual work.

• Consistent operational velocity across personal and business lending product lines.

• Foundation for advanced risk analytics, since verification data is structured and reliably captured.

• Reduced dependence on point tools, enabling smoother innovation and platform evolution.

This lays the groundwork for future initiatives such as automated decisioning models, dynamic pricing engines, and cross-product funnels - all of which depend on consistent, reliable verification at scale.

Insight: When verification is treated as infrastructure instead of as an afterthought, organisations unlock strategic optionality. Speed becomes an asset, not a liability - and every percentage of time saved reflects in faster revenue capture, higher retention, and better portfolio performance.