How Tyger Capital Digitized Rural Mobility and Farm Loan Personal Discussions with Video PD Using VideoCX.io

Tyger Capital enhanced its rural mobility and farm loan Personal Discussion process by implementing structured Video Personal Discussion powered by VideoCX.io, enabling faster credit assessment, improved governance visibility, and scalable digital lending across rural geographies.

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At a glance

  • Industry: NBFC / Rural and Farm Lending
  • Location: India
  • Use Case: Video Personal Discussion (Video PD – SaaS)
  • Go-Live: January 2025

Tyger Capital

Tyger Capital is a lending institution focused on enabling rural mobility and farm-sector financing across India.

The organization supports farmers and rural customers with credit solutions designed to improve financial access, affordability, and economic participation while maintaining structured underwriting controls.

Problem Statement

Personal Discussions for rural mobility and farm loans were traditionally conducted through physical site visits. As lending volumes increased across rural regions, this model introduced operational and governance challenges:

  • Higher turnaround time for PD completion

  • Increased operational cost per discussion

  • Limited visibility for senior leadership into field-level commitments

  • Lack of centralized digital evidence of customer interactions

  • Elevated fraud risk due to absence of recorded verification

  • Scalability constraints across geographically dispersed rural markets

Tyger Capital required a digital, auditable, and scalable PD framework to support rural expansion without compromising governance standards.

Solution Implemented with VideoCX.io

Tyger Capital partnered with VideoCX.io to deploy Video Personal Discussion as a secure SaaS-based solution embedded within its rural lending workflow.

The Video PD solution enabled:

  • Remote execution of Personal Discussions across rural locations

  • Structured PD workflow for Bank Employees

  • Reduced cost per PD

  • Increased daily PD processing capacity

  • Secure video recordings as digital evidence

  • Review capability for National Credit Managers
  • Centralized supervisory oversight

Implementation Within the Rural Lending Workflow

Video PD was integrated into Tyger Capital’s loan processing journey and deployed across the Rural Mobility and Farm Lending department.

Customer Journey

  1. The Bank Employee sends the Video PD link via VideoCX.io

  2. The SMS gateway is managed by VideoCX.io

  3. The customer receives the link and clicks “Start Chat”

  4. A notification is triggered in the Bank Employee’s chat interface

  5. The Bank Employee initiates the Video PD session

During the Video PD Call

The Bank Employee conducts a structured Personal Discussion covering:

  • Identity proof: PAN card screenshot

  • Address proof: Voter ID, Driving License, Passport, or recent Electricity Bill

  • Land documents: ownership proof and agricultural land records

  • Live location sharing

  • Surroundings photograph

All interactions are securely recorded within the VideoCX.io platform to create a centralized digital audit trail.

Post-Call Workflow

After completion of the Video PD:

  • The Chat link with Video Recording is copied and updated in the Loan Origination System (LOS)

  • The supervisor reviews the Video PD recording

  • Based on review findings, the loan is approved or declined

  • All customer interaction data is securely stored for audit and compliance purposes

This structured review mechanism strengthens governance and improves transparency across rural lending operations.

Results and Impact

The implementation of Video PD delivered measurable operational and governance improvements:

  • Reduced turnaround time for rural loan Personal Discussions

  • Lower operational cost per PD

  • Increased daily PD throughput and lending volumes

  • Improved visibility and governance for senior credit teams

  • Digital customer evidence reducing fraud risk

  • Expanded rural lending reach across India without proportional manpower increase

Governance and Risk Control Enhancement

By digitizing Personal Discussions through VideoCX.io, Tyger Capital established:

  • Standardized PD execution workflows across rural geographies

  • Centralized video recording repository

  • Structured supervisory review mechanisms

  • Improved traceability of field-level underwriting interactions

  • Strengthened fraud mitigation controls

The transformation modernized rural credit assessment while maintaining operational discipline and audit readiness.

Conclusion

By implementing Video Personal Discussion through VideoCX.io, Tyger Capital successfully digitized a critical rural credit assessment process.

The solution enabled faster decisions, improved governance oversight, reduced operational costs, and scalable growth across its rural mobility and farm lending operations.

Ready to digitize rural and farm loan Personal Discussions at scale?

See how VideoCX.io’s secure Video PD platform helps NBFCs digitize rural underwriting workflows with structured video discussions, audit-ready recordings, and centralized supervisory oversight.

Whether you are scaling rural mobility financing, strengthening farm loan verification, or improving governance across distributed markets, VideoCX.io provides a purpose-built Video PD solution designed for governed and scalable lending operations.

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