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NBFC & HFC Modernization Success: AWS to OCI Migration Delivers Cost Optimization, Enhanced Security, and Better Manageability

Published on: 2026-09-11 By: Path Infotech

A pan-India Housing Finance Company and its affiliated NBFC arm serve home loan, vehicle, and MSME borrowers across the country through a digital lending operation built on Amazon Web Services. The platform worked. The question the group put to itself was whether it was running on the best available terms.

Three things were in view: cloud economics, security consolidated onto a single platform, and steadier behavior from the containerized workloads. All three had to improve without interrupting the lending operations borrowers depend on. The group chose to move its entire estate to Oracle Cloud Infrastructure. 

Business Objective 

Rebuild the group's cloud foundation on stronger economics and tighter security across both the HFC and NBFC entities, with every production system available throughout the transition. 

Challenges 

Three pressures shaped the case for change: 

  • Cost pressure. Monthly AWS spend of ₹35 to ₹40 Lakh, driven by compute sprawl across 48 servers and multiple RDS and Aurora databases, with no predictable baseline for Finance to plan against. 

  • Kubernetes instability. Workloads on Amazon EKS were a recurring source of incidents, with cluster upgrades and node-group management consuming disproportionate engineering time. 

  • Security metered separately. Network firewalling, WAF, and threat detection arrived as individually billed add-ons, so each additional control raised the monthly bill. 

Layered on top: a mixed estate of Oracle, MySQL, and PostgreSQL databases, 130+ TB of object storage, and two separate corporate entities to migrate, all under banking-sector security expectations. 

Why Path Infotech 

Systems that process loan applications need a migration partner who has done it in production and who stays accountable after go-live. The group selected Path Infotech on four counts: 

  • The CLOUDnU framework, a proven five-phase migration methodology spanning Assess, Secure, Migrate, Optimize, and Manage 

  • Deep Oracle Cloud Infrastructure expertise across compute, databases, Kubernetes, storage, and native security services 

  • Multi-database migration capability across heterogeneous database platforms within a single engagement 

  • End-to-end accountability, one partner for both tenancies, from assessment through 24×7 managed operations 

Solution Delivered 

Path Infotech moved the group's complete estate from AWS to Oracle Cloud Infrastructure in five structured phases, each closing before the next opened. 

  • Assess. As-is architecture blueprint, 5R migration analysis, and a TCO and ROI business case across all 72 workloads. 

  • Secure. Purpose-built OCI landing zone, with Cloud Guard, Vulnerability Scanning, and IAM live before the first workload moved. 

  • Migrate. Lift-and-shift for production compute, dump-and-load for databases, non-production cloned from migrated production, and EKS re-platformed to OKE. 

  • Optimize. Network Firewall and WAF tuned, centralized logging with SIEM and SOAR, and databases hardened to banking-sector standards. 

  • Manage. 24×7 monitoring and alerting, SLA-based incident and change management, backup configuration, and BCP/DR. 

Robust BCP/DR Architecture 

Lending cannot pause. Path Infotech built a cross-region disaster recovery framework that protects every layer of the platform independently, meeting financial-sector regulatory expectations without over-engineering any one tier. 

  • Database DR, without an edition upgrade. Dbvisit Standby delivers enterprise-grade protection and rapid failover for Oracle Standard Edition databases, avoiding the cost of moving to Enterprise Edition. 

  • Open-source database DR. Native cross-region replication keeps the non-Oracle database workloads synchronized to the DR site at aggressive recovery point objectives. 

  • Application-tier DR. Cross-region replication of OCI Block Storage automatically syncs application data and boot volumes to a second geography, so the application tier comes back fast if the primary site fails. 

Execution Highlights 

The migration was sequenced, so the lending platform kept running throughout. 

  • The complete estate migrated inside an approximately 7-week planned window: 29 production and 19 non-production compute instances, 14 production and 10 non-production databases 

  • Three database technologies, Oracle, MySQL, and PostgreSQL, migrated in a single coordinated program 

  • 130+ TB of object storage transitioned from Amazon S3 to OCI Object Storage 

  • Security enabled up front in the landing zone rather than retrofitted after go-live 

  • Both the HFC and NBFC tenancies delivered under one accountable engagement 

Outcomes Achieved 

The figures below reflect actual OCI billing data captured after go-live, measured against the customer's own reported pre-migration AWS spend. 

  • Monthly clouds spend down from ₹35 to ₹40 Lakh to ₹17.7 Lakh. An actual OCI billing run-rate across both tenancies (₹12.9 Lakh HFC, ₹4.8 Lakh NBFC). 

  • Monthly savings of ₹17 to ₹22 Lakh. A reduction of approximately 49 to 56%. 

  • Annualized savings of ₹2.1 to ₹2.7 Crore at the current OCI run rate. 

  • Recurring EKS incidents resolved. The affected workloads were re-platformed onto OCI Container Engine for Kubernetes and are managed within the same operating model as the rest of the estate. 

  • Security consolidated onto one platform. Native Cloud Guard and Vulnerability Scanning alongside OCI Network Firewall and WAF, replacing multiple separately billed services. 

  • One accountable partner across both entities. 24×7 monitoring, SLA-backed support, and BCP/DR in place. 

Business Impact 

What the new foundation makes possible from here: 

  • What the new foundation makes possible from here: 

  • Roughly ₹2.7 Crore a year redirected from infrastructure into distribution, digital origination, and customer acquisition, without a fresh capital request 

  • A fixed cost baseline Finance can plan against, changing how new lending products are costed and approved 

  • Engineering hours moved from cluster maintenance to origination and servicing features borrowers see 

  • The next entity, product line, or portfolio expansion lands on an established shared platform, not a fresh build 

  • Hardened databases and centralized log visibility, ready for regulatory inspection cycles without new tooling 

  • One operating model across both entities: the same team, the same controls, the same escalation path 

Conclusion 

Moving from AWS to Oracle Cloud Infrastructure with Path Infotech under the CLOUDnU framework, this housing finance group reduced its cloud costs by roughly half, consolidated its security onto a single platform, stabilized its containerized workloads, and gained one accountable partner across both entities. The savings are visible with the billing data. The stability is visible in the incident log. 

Let's Talk About What's Next for Your Business 

Every organization carries its own processes, compliance obligations, and reporting demands. Path Infotech's experts can show you what a solution built around yours would look like, and what it could deliver. 

Write to us at reachus@pathinfotech.com to start the conversation. 

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