Svakarma was expanding its co-lending for MSME loans, a segment that demands compliant, fast, and scalable documentation. Svakarma partnered with Melento (formerly SignDesk) to prepare for a fully digital execution layer from day one using Melento’s eSign and eStamp solutions. Svakarma has built a strong digital foundation with Melento’s secure signing and stamping workflows.
Svakarma was facing challenges to streamline the MSME co-lending operations with high-volume, compliance, and partner-ready documentation flows. Their manual documentation, fragmented signing/stamping, were delaying the operation process and increasing overhead cost, lowering the growth. They were looking to scale up the process with compliance-heavy MSME agreements and audit-ready execution.was facing challenges around managing freezer agreements, maintenance records, expirations, and overall visibility with heavy manual paperwork.
Svakarma partnered with Melento for seamless eSign and eStamp execution to eliminate future bottlenecks and ensure a scalable digital infrastructure. Melento provided a ready-to-deploy digital documentation workflow that supports MSME co-lending, partner onboarding, borrower signing, and multi-party agreements without manual paperwork or physical stamping. This empowered Svakarma to prepare for rapid expansion in co-lending volumes.
The Benchmark Solution
Melento delivered a unified, compliant, and scalable eSign and eStamp execution layer tailored for Svakarma’s upcoming MSME co-lending operations, eliminating manual fragmentation and ensuring the institution is fully prepared for high-volume digital documentation.
Unified Digital Execution Layer
Eliminated manual steps and fragmentation with a customized single eSign + eStamp engine for all Svakarma MSME co-lending documents.
Flexible Signature Options
Covered all borrower, partner, and lender signer typesAadhaar eSign (OTP/biometric), DSC, Cloud DSC, and OTP-based Electronic Sign.
Secure Identity & Compliance
Aligned with IT Act & UIDAI normseKYC, VBEC, AI face match, liveness, geo-tagging, encryption, and full audit trails.
Multi-Party Workflow Automation
Offered seamless co-lending agreements with sequential/parallel signing, bulk processing, drag-and-drop fields, OSV fields, and automated enterprise seals.
Pan-India Digital Stamping
Offered state-wide stamping coverageSHCIL eStamp, eSBTR, eFrank, eChallan, revenue stamp affixing, and NeSL execution workflows.
Automated Stamping Ops
Reduce cost and effort with integrated prepaid wallets, auto top-up, automated pre-orders, duty calculators, master wallet controls, and flexible billing.
Smart Output & Evidence
Offered multi-document merging, dynamic fields, password-protected PDFs, and instant delivery of stamped & signed documents with evidence packs.
Full Visibility & API Scale
Supported high-volume co-lending scale from day one with customized dashboards, MIS, real-time order updates, callback APIs, and bulk downloads.
Signing & Stamping Process
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Before Melento
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After Melento
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Manual
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Fully digitized eSign + eStamp
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Document Handling
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Before Melento
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After Melento
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Multiple tools, manual steps
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Unified portal-driven collaborative workflow
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Compliance Evidence
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Before Melento
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After Melento
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Limited
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Automated audit trails & geo-tagged logs
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Stamping Costs
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Before Melento
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After Melento
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Higher dependency on paper
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Reduced by up to 50%
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Process Visibility
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Before Melento
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After Melento
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Low
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Real-time status, MIS dashboards
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Operational Readiness
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Before Melento
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After Melento
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Limited
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Scalable, API-ready infrastructure
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“Melento has helped us establish a strong, compliant digital documentation layer as we prepare for our MSME co-lending business. With unified eSign and eStamp workflows, we’ve reduced costs and created the foundation to scale without friction.”
— Taposh Sen (COO, Svakarma) & Archana Pawar (Head of HR, Svakarma)
Lenders entering new verticals like MSME co-lending need a compliant, automated signing and stamping workflow from the start. Melento enables institutions like Svakarma to reduce operational and stamping costs, paper dependencies, manual signing delays, and fragmented processes and build audit-ready, compliant documentation that scale seamlessly as loan volumes increase with instant API integration when partner ecosystems mature, creating a future-proof foundation for growth without operational bottlenecks.
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.