NBFC – Loan against property

How Central Registry of
Securitization Asset
Reconstruction and Security
Interest of India (CERSAI)
used automation to
seamlessly maintain and
operate an error-free
registration system

AT A GLANCE

elimination of
error

0 %

AT A GLANCE

Reduction in
manual effort

0 %

AT A GLANCE

No duplication
of assets

Live registration number

On-demand scaling up

AT A GLANCE

Annual cost
saving of
approximately

INR 51,75,000
/ ($67852)

How Central Registry of Securitization Asset Reconstruction and Security Interest of India (CERSAI) used automation to seamlessly maintain and operate an error-free registration system

Background

Our client CERSAI (Central Registry of Securitization Asset Reconstruction and Security Interest of India) is a company owned by the Government of India along with a few public sector banks & National Housing Bank. The objective of the company is to maintain and operate a registration system for transaction of immovable financial assets.
Banks, financial institutes and housing finance companies have a statutory obligation to register all immovable properties against which loans are provided. It is a risk mitigation tool for these institutions and the public at large to prevent multiple financing against the same property.

Challenges

The manual data management process was extremely complex and time consuming. There was also a substantial risk of human error because of the sheer volume of data involved.

For example, in order to undertake a manual entry of each immovable asset, it involved entering information into 86 data fields on the portal with several validations which could take approximately 10 to 15 minutes per asset registration.

Challenges

The manual data management process was extremely complex and time consuming. There was also a substantial risk of human error because of the sheer volume of data involved.

For example, in order to undertake a manual entry of each immovable asset, it involved entering information into 86 data fields on the portal with several validations which could take approximately 10 to 15 minutes per asset registration.

While batch processing was possible, the results were generated only after 2 days and often with multiple errors and rejection of entries. This led to an additional step of reconciling the failed entries and correctly registering those assets.

While batch processing was possible, the results were generated only after 2 days and often with multiple errors and rejection of entries. This led to an additional step of reconciling the failed entries and correctly registering those assets.

The website itself was also not very user friendly. This led to several challenges:

Document handling volume per day was very large

Manual errors and dependencies

Duplication of business-critical engineering documents

Version control issues due to manual interventions

Goals & Objectives

In order to efficiently maintain and operate a registration system for transaction of immovable financial assets the organization wanted to ensure:

1

Reduction in manual effort

2

Complete elimination of human errors

3

No duplication of assets

Solution

Our team of experts recalibrated the input Excels and deployed an unattended BOT to:

Develop a POC to establish the feasibility

Move to a full-fledged project

Implement intelligent BOT development for log in and data entry with validations on portal

Identify the tab colour to capture errors and take corrective action

Update the database through Excel for each asset’s status

Our team of experts designed the system with safeguards such as:

Mathematical captcha processing

Exception handling

Implement intelligent BOT development for log in and data entry with validations on portal

Fallback workflows

Deriving result inference from colour code

The goal was to ensure that the entire process of registering and validating the asset was robust and ran independently without human intervention.

Our team also configured the process to send alerts of failed entries and email the daily report of successful and failed entries to the administrators.

Outcome

Our unattended BOT completely automated the registration process for CERSAI. The time taken for one asset registration by BOT was 1.5 minutes (90 seconds) as compared to the time taken for manual registration which was 15 minutes.

The BOT eliminated errors, handled exceptions gracefully, saved the CERSAI registration number in database and recovered from the filed data point. It also sent alerts and emailed the daily report to the administrator.

No duplication of assets
Live registration number
On-demand scaling up

reduction in manual effort

0 %

elimination of error

0 %
Annual cost saving of approximately

INR 76,29,020
$100,000

No duplication of assets
Live registration number
On-demand scaling up

reduction in manual effort

0 %

elimination of error

0 %
Annual cost saving of approximately

INR 76,29,020
$100,000