Overview

The EbixCash / Indus Lending Management System is a comprehensive enterprise solution designed to automate and manage the full lifecycle of loan servicing and post‑disbursement management across multiple loan portfolios. It enables lenders to handle customer accounts, repayment schedules, restructuring, provisioning, accounting entries, collections integration, and compliance in a unified platform. The system supports multi‑currency, multi‑lingual, and scalable architectures to suit banks, NBFCs, telecom finance arms and other financial services providers globally.

Features and Capabilities

• **Account & Customer Management: **Handles creation, updating, and servicing of customer and account profiles, demographic changes, KYC updates, multiple loan accounts per customer.
• **Repayment & Rescheduling: **Supports various repayment options, prepayments, rescheduling, foreclosures, simulations, and changes in repayment plans.
• **Provisioning & NPA / Write‑offs: **Configurable provisioning rules, non-performing asset tracking, write‑off workflows, recovery and restructuring.
• **Rule Engines & Configuration: **Highly configurable business rules for receivables apportionment, repayment prioritization, waivers, authorization (maker‑checker) checks.
• **Accounting & Ledger Integration: **Automatically generates accounting entries, accruals, interest calculations, posting to general ledger, multi‑book support.
• **Collateral & Security Management: **Manage collateral linkage, documentation, valuation, cross-linking of collateral to multiple loan accounts.
• **Collections & Dunning Integration: **Batch processing of collections, file generation for electronic payment realization, dunning workflows, collections prioritization.
• **Audit, Compliance & Reporting: **Full audit trail, role-based access, reporting dashboards, regulatory compliance, MIS reporting capabilities.
• **Scalability & Internationalization: **Multi-currency, multi-lingual, parameterized architecture, support for deployments across countries with varied formats.
• **Integration & Open Architecture: **APIs, ability to interface with core banking systems, legacy systems, credit bureaus, external modules (origination, collections)
• **Modular Deployment: **Can operate as part of a full lending suite (origination + servicing + collections) or as stand‑alone servicing module.
• **Batch & EOD Processing: **End-of-day routines, batch jobs, maker-checker validations, automated workflows for end-of-day reconciliations.