Upaz connects lending with field operations.
Lending to farmers depends on work across distance, often with no credit history and a field officer hours away.
Greymatter Technologies needed onboarding, ordering, risk assessment, handoff and collection as one system as the geography grew. AURA LOGIC LABS delivered Upaz, January 2022 to December 2025.
One operation from onboarding to collection
Upaz spans a mobile app, website and admin panel: onboarding, agri-input ordering, proximity supplier selection, collection and deposit tracking.
Sanction KYC passes to an NBFC, which alone holds sanction authority; Upaz keeps origination and servicing.
Designing for distance and incomplete history
Geospatial route planning replaced manual assignment; field-officer location data drives fuel and wage allowances automatically.
A risk index reads KYC and transaction history; a separate AI path handles new users, since no record is not a low score.
Four years of delivery as the operation expanded
The client reports Upaz scaled from 1 district to more than 30 across 3 states, connecting records with field ordering and collection.
Bring the process that outgrew its handoffs.
Include the handoffs and the decision that must stay with a regulated party or reviewer.