Every day, lending teams lose hours (and money) chasing down borrower addresses.
You must have experienced this yourself:
- Manual address entry often leads to errors, poor-quality data results in missed sales opportunities.
- Without geographic insights, deployment of resources becomes inefficient.
- Current tracking systems can’t fully support manual processing, which makes verification time-consuming and frustrating.
- On top of that, exposure concentration analysis based on vague or incomplete addresses is often inaccurate, leaving banks and NBFCs with blind spots they can’t afford.
Sometimes the address is incomplete (“Opposite the old bus stand”), sometimes vague (“Behind Sharma’s shop”), and sometimes just plain wrong.
The result?
Slower loan approvals, higher verification costs, and frustrated customers who don’t understand why it’s taking so long.
It’s a pain point that the whole industry has lived. But now, you don’t have to!
What is DigiPIN?
DigiPIN (short for Digital Postal Index Number) is a 10-character alphanumeric code that pinpoints a location as small as 4m x 4m anywhere in India.
Think of it as a super-accurate upgrade to your regular PIN code.
It’s developed by India Post, with IIT Hyderabad and ISRO’s NRSC, making it an official nationwide initiative you can trust.
Instead of describing “near the market” or “opposite the school”, every location now has a unique, precise, easy-to-share code based on its latitude and longitude.
Get your DigiPIN
If you want the digipin for your location, try Pin2Point’s DigiPIN Finder. It’s accurate, it’s free and has amazing features. Read more here!
What is Pin2Point?
Pin2Point is a powerful tool that brings DigiPIN into your daily operations.
It converts bulk addresses into DigiPINs, in seconds.
The Route optimizer tool in Pin2Point helps lenders plan faster collections, deliveries, and leads to better decisions by highlighting which customers are in risky or unreachable areas and how far they are from your branch.
It lets you:
- Convert any address into a DigiPIN (and vice versa) instantly.
- Process bulk conversions for thousands of addresses in one go.
- Calculate distances between branches and borrower locations.
- Optimise field routes for verification staff.
- Make loan approval process faster and more accurate
Check out what Pin2Point can do for you!
How This Helps Lending Institutions
Banks and NBFCs deal with thousands of addresses every month. Pin2Point with DigiPIN makes this process faster, cheaper, and far more reliable.
Here’s how:
- Clean, accurate data from day one
No more messy addresses or hours wasted fixing typos. Pin2Point can instantly generate DigiPINs for all your customer records, so your database is standardised and ready to go. - Smarter loan approvals
Whether it’s checking if a borrower lives within your serviceable area or spotting clusters of risk in a single neighbourhood, Pin2Point helps you see the bigger picture clearly — and make faster, safer lending decisions. - Fewer surprises, fewer losses
By using precise DigiPIN-tagged addresses, banks cut down on wrong deliveries, missing documents, and unreliable borrower information. That means lower costs and smoother operations. - Streamlined compliance and verification
Instead of juggling manual checks, Pin2Point builds location, exposure, and risk checks right into your process. Approvals are quicker, compliance is tighter, and customers get a smoother experience.
Why Pin2Point?
- Bulk upload made simple
Got thousands of customer addresses? Upload them all at once and let Pin2Point generate DigiPINs instantly. No manual entry, no wasted time. - Smarter routes, less travel
Our built-in distance calculator and route optimizer help field teams plan the best paths for verification visits — saving hours on the road and cutting costs. - Easy to use, easy to adopt
The interface is clean, intuitive, and designed for quick adoption. Your team won’t need weeks of training — they can start using it from day one. - Seamless integration with your systems
Through API access, Pin2Point plugs right into your existing workflows, so you don’t have to overhaul your processes. - Data you can actually use
Export addresses with both DigiPIN and latitude/longitude in one click — perfect for reporting, audits, or integration with other tools.
The Future of Loan Approvals
Loan applicants expect speed. Regulators expect accuracy.
Pin2Point delivers both.
With Pin2Point, lending institutions don’t just get cleaner addresses — they get better outcomes across the board. Credit decisions become sharper, loan approvals (or rejections) happen faster, and operational costs drop because teams aren’t wasting time on manual mapping. Banks can also set up geo-financial fencing to avoid lending in risky areas, cutting down on defaults and improving collection rates.
At the same time, exposure risks are easier to spot, sales planning gets faster, and geographic coverage expands without added complexity. In short: less risk, lower cost, more speed.
That’s what Pin2Point delivers.