Empowering NBFCs and MFIs with a Comprehensive Software Solution for Lending, Microfinance, and Investment Management.

Our Core NBFC Software is a robust, scalable solution designed to streamline operations, enhance efficiency, and ensure regulatory compliance for Non-Banking Financial Companies (NBFCs) and Microfinance Institutions (MFIs).

NBFCs play an important role in providing loans, investments, and financial services. Our software streamlines loan origination with AI-driven eligibility assessment, automated underwriting, digital document verification, and configurable approval workflows. It enhances loan management with CIF, C-KYC, group loan appraisals, NPA management, compliance reporting, and seamless core banking integration. Automated alerts via SMS & WhatsApp ensure timely communication. The solution also supports financial accounting with robust modules for journals, vouchers, GST computation, and real-time dashboards.

For MFIs, our solution simplifies loan origination, credit assessment, and disbursement while ensuring compliance and risk management. It supports group lending models like SHG (Self-Help Groups) and JLG (Joint Liability Groups), digital repayment collections, and complete loan lifecycle management. With mobile-based operations, automated workflows, and real-time analytics, MFIs can scale efficiently, reduce costs, and expand financial inclusion while meeting regulatory requirements.

Solutions Offered

Loan Origination Software

• Automated Loan Application Processing & Underwriting

• Customizable Credit Scoring & Risk Assessment

• Digital Document Collection & Verification

• Configurable Approval Workflows & Sanctioning Process

• Integration with External Data Sources for Credit Decision

• AI-Based Loan Eligibility Assessment & Fraud Detection

• Real-Time Status Tracking & Customer Notifications

• Seamless Integration with Loan Management & Core Banking Systems

• Retail Loan Categories: Housing Loan, Vehicle Loan, Personal Loan, Loan Against Property, Educational Loan, Gold Loan

• Business Loan Categories: Professional Loan, Term Loan, Pledge, Hypothecation

Loan Management System

• Customer Information File (CIF) & Customer Unification

• C-KYC & Aadhaar-PAN Verification Integration (Excluding API)

• Loans & Advances Accounts Management

• Staff Loans & Advances

• Group Loans Appraisals (SHG & JLG Loans)

• Loan Schemes Configurator

• Charges Module & Special Instructions

• Statements & Passbook Printing

• Audit Trail Reporting

• Overdue & NPA Management with Recovery Module

• Credit Bureau Information Upload & Compliance

• Automated Alerts via SMS, WhatsApp Notifications & ECS/NACH Integration (Incl. MMS for ECS/NACH)

• Branch Reports & Operational Dashboards

Financial Accounting

• Multi-Branch Financial Management

• Journals, Vouchers & General Ledger

• Investments & Asset Management

• Inter-Branch Transaction Reconciliations

• Financial Statements (Trial Balance, P&L, Balance Sheet)

• Bank Current Account Reconciliation

• GST Computation, Posting on Service Charges & Supplier TDS

• Graphical MIS Reports & Real-Time Dashboards

• Deadstock Management

• RTGS/NEFT Transactions Integration

Regulatory Compliance & Risk Management

• C-KYC & Aadhaar-PAN Verification

• Credit Bureau Reporting & Compliance Checks

• GST Compliance & Automated Tax Calculation

• Audit Trail & Secure Financial Reporting

• RBI & Regulatory Adherence with Customizable Reports

• Anti-Money Laundering (AML) & Fraud Prevention

• Early Warning System & Risk Assessment

Digital & Mobile Banking Solutions

• M-Passbook Android App for Digital Statements

• Smartphone Android App for Loan Repayment Collections (Field Agent Collections)

• WhatsApp Notifications Integration (Excluding API)

• Tablet-Based App for Account Opening & Loan Management

• UPI-Based Loan Disbursement & QR Code Collections

• ECS/NACH Integration for Automated Repayments

Term Deposits & TDS (For Deposit-Taking NBFCs)

• Fixed & Recurring Deposit Modules

• Maturity Alerts & Auto Renewal Options

• TDS Computation & Tax Reporting

Payroll & Employee Management

• Payroll Processing & Salary Management

• Incentive-Based Compensation for Sales & Collection Teams

Key Features

 

Customizable Loan Products

Flexible configuration of loan schemes, repayment schedules, and interest rates.

Automated Loan Origination & Processing

Faster credit decisions with AI-driven workflows.

Customer Information File (CIF) & Unification

Centralized customer data with C-KYC and Aadhaar-PAN verification.

Overdue & NPA Management

Automated classification and recovery workflows.

ECS/NACH Integration

Automated repayment processing with mandate management.

Branch-Specific Reports & Dashboards

Real-time financial insights and compliance tracking.

Multi-Channel Access

Web, mobile, and tablet applications for seamless operations.

Automated Notifications

SMS & WhatsApp alerts for customer communication.

Regulatory Compliance

Adheres to RBI guidelines, GST, and financial regulatory standards.

Advanced Security & Role-Based Access

Multi-layered authentication with controlled user permissions.

Comprehensive Risk & Compliance Management

Regulatory adherence with audit-ready reports.

Value Delivered

 

Faster Loan Approvals & Disbursements

Streamlined workflows reduce turnaround time.

Regulatory Compliance & Audit Readiness

Ensures adherence to RBI & financial norms.

Seamless Customer Experience

Digital access through web, mobile apps & automated notifications.

Data-Driven Decision Making

AI-powered analytics for risk assessment & financial planning.

Scalability & Flexibility

Adapts to growing NBFC needs with cloud and on-premise deployment.

Improved Operational Efficiency

Streamlined loan origination, document management, and reconciliation.

Better Risk Management

Real-time credit scoring, early warning systems, and NPA tracking.

Scalable & Future-Ready

Supports cloud and on-premise deployment for business growth.

Improved Customer Engagement

Digital onboarding, self-service options, and real-time updates.

Graphical Dashboard

Graphical Reports Dashboard.

Multilingual Solution

Supports localization with a multilingual interface.

Open Source

Developed on an open-source platform.