At ATL, the evaluation of the creditworthiness of the applicant is done with their in-house algorithm with the help of the KYC documents, PAN Card, and the income documents uploaded by the applicant. Once the registration process is complete and the documents are uploaded, LOBOT or chatbot will do the online evaluation and connect you to the various lenders on the platform. The decision will be conveyed within no time and once you accept the decision, the proceeds of the loan will be credited to your account in minutes. The whole process is contactless and paperless and happens in real-time.