Zoho for BFSI

Build a more agile future for financial services

Zoho for BFSI brings purpose-built solutions for banks, NBFCs, insurers, and other financial institutions. From customer relationship management and loan origination to business rules and decisioning, get the tools you need to manage financial services operations and adapt your processes as your business, priorities, and regulatory requirements change.

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Coins stacked on a printed financial statementA model house resting on an open handAn open hand holding a glowing bank building linked to financial service iconsTwo colleagues reviewing printed financial charts and reports at a deskCustomer handing over cash at a bank branch counter

Financial services run better with the right solutions

Explore purpose-built solutions across customer relationship management, lending, and decisioning, with more capabilities being added as the suite continues to grow.

  • Zoho BFSI CRM

    Build stronger customer relationships with a complete view of every customer and their financial journey.

  • Zoho LOS

    Manage the lending journey from loan request and quick eligibility to KYC, underwriting, credit evaluation, approvals, and disbursement.

    Learn more

  • Zoho BRE

    Define and manage rules for eligibility, scoring, FOIR, risk, deviations, segmentation, and exception detection.

Make smarter decisions with AI

Unify your business data and processes with Zoho's native AI capabilities to make financial services operations more intelligent, responsive, and adaptable.

  • Customer, payment and account records flowing into Zia and out as a report

    Turn unified data into intelligence

    Bring customer, financial, credit, and operational information together so Zia can understand the context behind your business and surface more relevant insights.

  • A Zia agent connected to customer records, data stores, invoices and apps

    Put AI to work with Zia Agents

    Create agents that understand business context, work with relevant information, and help complete defined tasks across your financial services processes.

  • Zia linked to a database and an application grid through Zoho MCP

    Connect AI to the tools around your business

    Extend Zia and AI agents across relevant applications, data, and services through Zoho MCP, enabling intelligent workflows across the systems your teams already rely on.

Built for the way financial institutions work

Financial services professional working on a laptop, with a coin and a house alongside

  • Banks

    Manage customer relationships, lending operations, branch activities, and business decisioning while adapting processes to changing banking requirements.

  • NBFCs

    Streamline customer acquisition and loan origination while configuring lending processes and decisioning rules around your products and policies.

  • Insurers

    Build stronger customer relationships, manage customer information and engagement, and create processes that can evolve with your business.

  • Fintechs

    Accelerate digital customer journeys, lending, and financial operations with configurable processes that can adapt as your business grows.

Connect with the systems you already use

Bring the systems and services your teams rely on across the BFSI ecosystem into your workflows.

  • Bureau Verification

    Credit Reports

  • KYC and Identity

    eKYC, VKYC, ID & Address Verification, Background Verification, OCR - Validation

  • e-Sign and Documents

    e-Sign, e-Mandate, e-NACH, DigiLocker

  • Income and Financial Analysis

    Financial, Bank, GST and ITR Statement Analysis

Extend your workflows with Zoho

Connect with

  • Zoho CRM
  • Zoho Sign
  • Zoho Analytics
  • Zoho Meeting
  • Zoho Voice
A shield encircled by coins, representing protected financial data

Keep your financial data protected

Protect customer, financial, and business data with Zoho's security practices and controls. Store your data in secure Zoho data centers with 24/7 physical monitoring, video surveillance, and biometric access controls. Use encryption, granular access controls, and audit trails to protect data, maintain visibility into access and activity, and support accountability across critical operations.

Zoho maintains internationally recognized security and privacy certifications and standards, including:

  • ISO/IEC 27001
  • SOC 2 Type II
  • GDPR
  • PCI DSS

Transform the way you manage financial services

Discover solutions built to simplify customer management, lending operations, business decisioning and more across your institution.

Request early access

FAQs

  • What is the BFSI offering?

    It is a growing suite of solutions designed for banks, NBFCs, insurers, and other financial institutions. Current offerings include CRM, Loan Origination System (LOS), and Business Rules Engine (BRE), with additional solutions planned over time.

  • Are these products generally available?

    The current solutions are available through early access. Financial institutions can work with the BFSI team to evaluate the solutions based on their requirements.

  • Can I use CRM, LOS, or BRE independently?

    Yes. Each solution addresses a specific financial services function and can be adopted based on your institution's needs.

  • Which financial institutions are these solutions designed for?

    The solutions are designed for banks, NBFCs, insurers, and other financial institutions managing customer relationships, lending operations, and business decisioning.

  • How can AI help financial services teams?

    Zoho's native AI capabilities can help teams work with customer, financial, credit, and operational information more intelligently. Zia, Zia Agents, and Zoho MCP can support insights, task execution, and intelligent workflows across relevant business processes.

  • Can the solutions be configured for our processes?

    Yes. Workflows, approval hierarchies, product rules, eligibility criteria, branch structures, and integrations can be configured around your operating model.

  • Can these solutions work with existing systems?

    Yes. The solutions are designed to work with relevant third-party applications and existing business systems through integrations, APIs, and Zoho's integration capabilities.

  • How do I get started?

    Get in touch with our BFSI team (bfsi@zohocorp.com) to discuss your requirements and explore the solutions that best fit your institution.