Valueplus Technologies Private Limited, an MSME-focused lender, initiated its digital journey as part of its AOP, recognizing that manual loan documentation would constrain efficiency, compliance readiness, and scalability. To build a future-ready foundation, Valueplus partnered with Melento to digitize documentation using secure eSign and nationwide eStamping, enabling a compliant, paperless execution model aligned with long-term growth.
Loan documentation relied on physical stamping and wet signatures, requiring manual coordination and offline execution. This created avoidable turnaround delays, limited visibility into document status, and increased compliance dependency on manual tracking. ValuePlus sought a solution that was efficient today and scalable for tomorrow without adding operational complexity.
By implementing Melento’s eSign and eStamp solutions, Valueplus introduced a fully digital documentation workflow for MSME lending. Aadhaar-based eSign eliminated the need for manual signatures, while Melento’s digital stamping infrastructure enabled legally valid stamping across states. The result was a unified, compliant, and future-ready execution process embedded into daily operations.
The Benchmark Solution
Unified Digital Execution
Nationwide eStamping and Aadhaar/OTP-based eSign delivered in a single, compliant workflow.
Portal & API Access
Executed via seamless API integration with existing systems.
Automated Workflows
Embedded stamping and signing with support for sequential, parallel, and bulk execution.
Strong Identity Assurance
eKYC, geo-tagging, liveness detection, and AI face match ensure secure authentication.
Intelligent Document Handling
Secured merging, password-protected PDFs, dynamic data population, and easy signature placement.
Stamp & Financial Control
Automated duty calculation, prepaid wallets, auto top-up, and flexible billing models.
Compliance & Evidence
Single-use stamp enforcement, SHCIL verification, encryption, and audit-grade trails.
Visibility & Delivery
Real-time dashboards, MIS, instant document delivery, and evidence packets.
Loan Document Execution
|
Before Melento
|
After Melento
|
|---|---|
|
Physical stamping and wet signatures
|
Fully digital eSign and eStamp
|
Turnaround Time (TAT)
|
Before Melento
|
After Melento
|
|---|---|
|
Dependent on offline coordination
|
Reduced by upto 85%
|
Operational Effort
|
Before Melento
|
After Melento
|
|---|---|
|
Manual handling and follow-ups
|
Streamlined digital workflows
|
Compliance & Auditability
|
Before Melento
|
After Melento
|
|---|---|
|
Manual records and tracking
|
Built-in audit trails and evidence
|
User Experience
|
Before Melento
|
After Melento
|
|---|---|
|
Paper-heavy and fragmented
|
Simple, intuitive digital journey
|
Scalability
|
Before Melento
|
After Melento
|
|---|---|
|
Not future-ready
|
Built to scale with MSME growth
|
“Melento’s eSign and eStamp solutions enabled us to move to a paperless, compliant loan documentation process. The platform simplified execution, improved turnaround times, and provides a scalable foundation for our MSME lending operations.”
— Director - Operations, Valueplus Technologies Private Limited
For MSME-focused lenders like Valueplus Technologies Private Limited, digitizing loan documentation early enables faster execution, stronger compliance, and operational discipline without increasing overhead. By adopting Melento’s eSign and eStamp solutions as part of its digital AOP, Valueplus established a robust, scalable foundation that supports current volumes while remaining ready for future expansion.
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.