A prominent cooperative bank was looking to modernize its loan documentation processes across assets and digital operations. Traditional paper-based stamping and signing workflows were creating delays, increasing operational overheads, and impacting customer experience during loan disbursals.
To eliminate manual bottlenecks, improve turnaround times, and strengthen compliance, the bank partnered with Melento (formerly SignDesk) to implement secure, end-to-end eStamp and eSign solutions, bringing speed, reliability, and operational simplicity to its documentation workflows.
The institution’s loan documentation was heavily manual and paper-driven, causing delayed disbursals, high dependency on branch coordination and couriers, limited visibility into document execution, and elevated compliance risk. These constraints restricted the bank’s ability to scale digital lending while maintaining regulatory rigor.
By implementing Melento’s digital documentation stack (eSign and eStamp solution), the bank transitioned from paper-heavy workflows to a secure, fully digital execution model. The platform enabled faster loan processing, reduced manual intervention, and ensured compliant execution across all loan documents.
The Benchmark Solution
Fully Digital Execution
Legally compliant Aadhaar/DSC eSign with nationwide eStamping.
Frictionless Workflows
Automated sequential/parallel signing and bulk processing.
Trusted Identity & Compliance
VBEC, liveness, geo-tagging, and audit-grade evidence.
Smart Stamping & Documents
Automated duty calculation, intelligent merging, tamper-proof outputs.
Financial Control
Prepaid wallets, auto top-up, flexible payment, and billing models.
Visibility & Oversight
Dashboards, MIS, callbacks, and bulk downloads.
API-First Scalability
LOS-ready stamping and signing APIs built for high-volume
Loan Document Execution Time
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Before Melento
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After Melento
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|---|---|
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Manual stamping & signing takes days
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Completed digitally within minutes
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Turnaround Time (TAT)
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Before Melento
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After Melento
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|---|---|
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Delays due to paper handling & coordination
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80% reduction with digital workflows
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Operational Effort
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Before Melento
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After Melento
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|---|---|
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High manual effort across branches
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Streamlined, centralized execution
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Compliance & Auditability
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Before Melento
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After Melento
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|---|---|
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Manual tracking of documents
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Built-in audit trails & secure logs
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User Experience
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Before Melento
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After Melento
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|---|---|
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Fragmented, paper-heavy process
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Intuitive, seamless digital execution
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Scalability
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Before Melento
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After Melento
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|---|---|
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Limited by physical processes
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Easily scalable across loan portfolios
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“Melento (formerly SignDesk) has completely transformed our documentation workflow with its seamless eStamp and eSign solutions. The platform is intuitive, secure, and incredibly efficient, reducing our turnaround time and eliminating manual hassles. Their support team is proactive and dependable, making the entire experience smooth from start to finish. Thanks to Melento, our digital operations have reached a new level of reliability and convenience.”
— Shubham Ghatole, Chief Manager (Loan Assets & Digital Development)
For financial institutions managing high volumes of loan documentation, manual stamping and signing create unnecessary friction, delay disbursals, and increase compliance risk. By digitizing document execution with Melento, institutions can accelerate loan disbursals, reduce operational costs, strengthen compliance and audit readiness, deliver a superior borrower experience, and scale digital lending initiatives with confidence
About Melento eSign: Melento’s eSign Workflow enables fast, secure, and legally valid digital signing, eliminating paper, delays, and manual steps. It streamlines document execution end-to-end with global compliance, full audit trails, and seamless collaboration.