Loans Sourced (in Cr)


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A complete tech platform for Banks | MFIs | NBFCs | FIs

Download Live Demo Awards ISO/IEC 27001:2013


Bring ultimate efficiency to your field force and aid in Senior Management Decision Making


Experience a super fast and scalable onboarding without expensive capex


Store your core financial data on-premise while offloading heavy media to the cloud


Custom installation and support for institutions that want the application in their own data centers

Look Around our Platform

eSthenos is an award winning, efficient & customer centric fin-tech platform trusted by well known financial institutions. We offer ‘designed by users’ CRM, Loan Origination System, Lead Management System, Underwriting Platform, Business Intelligence & Analytics Platform

Our combined experience of more than three decades in the financial services & technology space helps us build applications which are loved by users.

Must have Features

Our platform & products promises to offer you something your business can’t compromise on

Multi Language

Supports all Indian language so that you can speak your customer's language

Offline Support

Ensure seamless operation even in the remotest areas

Bank Grade Security

With advanced encryption standards, we ensure all your transactions are routed seamlessly, safely and stored in the most secure environment


The platform is integrated with Credit Bureaus, SMS gateways, e-KYC platforms and API based third party services

Business Tracking

Our custom dashboard offers you a unqiue insight into your business operations in real time

Highly Scalable

A future ready architecture that scales with your growing business


Our suite of products for your fin-tech need


  • 'Gravity’ is our flagship Origination System & CRM platform for group & individual loans where all field level activities happen through the Android app & all back-end activities including Underwriting & monitoring flows through the web based platform.


  • 'FoS’ is a Loan Origination, underwriting & CRM platform for SME loans, LAP, Housing, Affordable Housing, where multiple levels of credit decisions and Deviation matrix provides you ease of underwriting.


  • 'Honor’ is an independent collection management & Attendance Tracking platform which helps organisation to have seamless collection at field level. Monitoring & maker checker ensures high quality of transaction.


  • 'CO' is eSthenos co-origination platform which helps Banks & NBFCs to co-originate high-quality loans. It provides feature to onboard multiple partners with exclusive business rules for each partner. Platform can be integrated with multiple loan partners and thus enabling Banks / NBFC’s to manage lending across multiple partners on a single platform.


  • 'Banyan’ is our integrated Business Intelligence & Analytics platform to help Organisations in efficiently managing and analysing its critical business information to offer tailor made product & services to end customer.


  • 'LEADR' is a business lead generation & management platform which enables financial institutions to create Pipeline, increase Sales Productivity & Win Rate. Leads from all the channels at one platform.


  • 'THEIA' helps user organization in image processing, face detection and tagging of explicit content. It helps organization to reduce back office cost by substantial margin. THEIA helps in verifying information in Image viz a viz text [bank passbook, KYC, customer images etc.] and improves the TAT.


Endorsement by our Partners recognizing our work, reflecting our importance to their Business Growth.

Harish Raghu MD & CEO

Saggraha Management Services Pvt Ltd

eSthenos has a double edged technological design which suits users at frontend and integrating with high end workflow based process at backend.

Arvind Muraraka Head IT

Arohan Financial Services Pvt. Ltd.

Gravity mobility suites from eSthenos has helped us in improving our productivity by 30% and average TAT for sourcing reduced by 45%. The intuitive user interface helped sales team to on-board a loan in less than 4 hours. Apart from going paperless, it has also helped us improve upon our data hygiene at the time of data capture by field force.



National design

awards 2018 (Finalist)

AWS AI awards

2018 (Finalist)

Industry leaders trust us

In the Limelight


The team who have successful track record of incubating, running, delivering big financial & IT projects


Founder & CEO

10+ years of experience across various industries, financial services, technology and supply chain. Before eSthenos, he was leading Product & Ops teams for India Value Fund's portfolio companies in the Financial Services Space. He is an alumnus of IRMA


Founder & CFO

9+ years of experience in the banking & financial services space. Before eSthenos, he was part of the Treasury & Financial Planning team for India Value Fund's portfolio companies in the Financial Services Space. He is an alumnus of Welingkar Institute, Mumbai & has cleared all levels of CFA, US


Some of the FAQ from your side, related to our platform & product offering and we love to answer those

Our ‘fos’ platform is dedicated to all kind of secured loan, such as Housing, LAP, affordable housing etc. It’s also supports SME & small business loans which requires work flow-based underwriting in absence of proper credit history of probable borrower.

  • a. At rest data is encrypted with bank grade 256-bit AES encryption.
  • b. All services are ring fenced with defense in depth strategy.
  • c. Customer data is placed on private machines with no access to the internet. Only trusted machines within the eSthenos network can access the database.
  • d. Real time replication of database to prevent data loss along with configurable snapshot strategy.
  • e. Real time log monitoring and alerting for detecting suspicious activity.

We support most Indian languages on our platform.

The platform comprises a Mobile, Web application where all the activities which supposed to be done at field or on the go happens on mobile and the activities which needs to be done at office or branch level can be done using web application.

We offer API based disbursement directly to the customer account.

Yes, we have integration with multiple eKYC providers

Yes. Currently our partner organization offers 30+ cross sale products using ‘gravity’.

We support API / bulk file based integration with CBS/LMS.

‘Banyan’ is our analytics platform. Currently its available with our flagship products only and our existing users can have access to it after subscribing to ‘banyan’ platform separately.

Yes, it does support bank BC model and currently our platform is being used by some of the biggest BC Bank partners of the country for sourcing & collections management

Join the team

We offer you the opportunity to solve some of the most interesting challenges our society have which will be equally compensated by our team-driven culture and rewards for individual talent. Send your profile to us and we will call you back.

Get in touch

...don't worry...our sleeves rolled-up!

eSthenos Technologies Pvt. Ltd.

  • +91-80-2520 9690

  • No. 2151, 2nd Floor,
    HAL 2nd Stage, 17th Main,
    Opp Indiranagar BESCOM,
    Bengaluru- 560008 (India)