AI-Powered ECM for Banking & Insurance — CKYC, Loan Files & Claims
ShareDocs Enterpriser is deployed by 50+ BFSI organisations — stock exchanges, NBFCs, housing finance companies, cooperative banks and insurance firms — to automate loan origination, CKYC workflows, claims processing and regulatory compliance.
AI-Powered ECM for Banking & Insurance — CKYC, Loan Files & Claims
Before a loan is approved, before a claim is settled, before a customer is onboarded — a team somewhere is hunting through email threads, shared drives, and physical folders for the right document.
BFSI organisations in India face a document management challenge at every stage of the customer lifecycle. Loan origination involves 20–40 documents per application. CKYC onboarding requires CERSAI integration and deduplication. Claims processing involves multi-party approvals with tight TAT requirements. Without an AI-powered ECM, these processes rely on manual data entry, email chains and physical files — creating delays, errors and audit risks.
ShareDocs Enterpriser solves this with AI that extracts data from uploaded documents automatically, configurable approval workflows for every process, and a complete audit trail that satisfies RBI, SEBI and IRDAI requirements.
- AI-powered ECM — 4 native AI features
- ISO 27001 certified — bank-grade security
- CKYC/CERSAI integration built in
- RBI, SEBI, IRDAI compliance controls
- SaaS: 3 days. On-premise: 2–4 weeks
How BFSI teams use ShareDocs Enterpriser
AI-Powered Loan Origination
Applicant uploads documents — AI automatically extracts applicant name, income, address, PAN, PO number and other fields. Data populates the loan workflow instantly, eliminating manual re-entry. Credit team reviews pre-filled application in minutes.
CKYC & CERSAI Automation
Customer KYC documents captured via upload or scanner. AI classifies document types, extracts identity fields, runs deduplication against CERSAI. Verified records submitted automatically. Full audit trail for RBI compliance.
Insurance Claims Processing
Claim submitted with supporting documents. Workflow routes to surveyor, approver and operations in sequence. External approvals sent via encrypted one-time link to third-party assessors. Digital signature applied on approval.
Regulatory Audit Readiness
All documents indexed with metadata, retention schedules and access logs. RBI audit requests answered in hours — not weeks. Automated alerts for document expiry and periodic review dates.
Loan origination workflow — AI-powered
Upload
Applicant uploads loan documents — AI extracts 20+ fields automatically
Auto-populate
Extracted data pre-fills the loan workflow — no manual re-keying
Approval chain
Credit manager → branch head → operations approval with SLA tracking
CERSAI submission
KYC verified, submitted to CERSAI — confirmation archived with full audit trail
Document Sets — the Loan File
All 20+ borrower documents — PAN, Aadhaar, income proof, property papers, CKYC confirmation — auto-linked to a single loan application record. When an underwriter needs the complete file, it is one click. When an auditor needs the history, it is always complete.
This is not standard ECM. SharePoint cannot do this natively. Basic DMS tools cannot do this at all.
Key ECM features for Banking & Insurance
| Feature | What it does for your team | Type |
|---|---|---|
AI Data Extraction in Workflows | Loan application fields extracted automatically from uploaded documents — PAN, income, address, PO details | ✦ AI |
CKYC / CERSAI Integration | Customer KYC automated with CERSAI API — deduplication, validation, submission | |
External Approvals | Send approval requests to external assessors, auditors or counterparties via encrypted one-time link | |
Digital Signatures | eSign, Aadhaar-based signatures and token-based methods for loan agreements and policy documents | |
Document Sets | Loan file or policy record auto-links all related documents — nothing gets missed | |
Audit Trail | Complete activity log for every document action — who, what, when, from where | |
Document Chat (AI) | Compliance officers ask questions directly to large regulatory documents — AI answers instantly | ✦ AI |
RBI Retention Rules | Document retention schedules enforced automatically — expiry alerts prevent compliance lapses |
“ShareDocs Enterpriser transformed our loan origination process. AI extraction eliminated manual data entry on every application. What used to take our team two days now takes four hours — with a complete RBI audit trail we can produce on demand.”
Frequently asked questions — Banking & Insurance ECM
Does ShareDocs Enterpriser have native CKYC and CERSAI integration?
Yes. ShareDocs has a dedicated CKYC Automation product that integrates directly with CERSAI for KYC document collection, deduplication, validation and submission. This is not a third-party add-on — it is built into the platform and used by banks, NBFCs and insurance companies across India.
How does AI data extraction work for loan origination?
When a loan officer initiates a workflow and uploads applicant documents, ShareDocs AI automatically extracts key fields — applicant name, PAN, address, income details, account numbers and other configured fields. These are pre-populated into the workflow data entry, eliminating manual re-keying and reducing errors. Low-confidence extractions are flagged for manual review.
Can external assessors or auditors access documents for approval?
Yes. ShareDocs External Approvals feature sends an encrypted, one-time access link to the external party. They can view the document, review the workflow data, and take action (approve/reject/comment) without needing a ShareDocs account. The link expires after use.
Does ShareDocs support digital signatures for loan agreements?
Yes. ShareDocs supports eSign (electronic signature), Aadhaar-based signatures and token-based digital signatures. These can be applied at any workflow step — loan agreement signing, policy issuance, or regulatory document execution.
How quickly can ShareDocs be deployed for a bank or NBFC?
On our SaaS cloud: 3 days. On-premise on your infrastructure: 2–4 weeks. Our team handles the full implementation including CKYC configuration, workflow design and user training.
Ready to see AI-powered document management in action?
Join 300+ Indian enterprises. Start on our cloud in 3 days, or deploy on-premise in 2–4 weeks.