This End-to-End Loan Management Software provides a comprehensive, turnkey solution for financial institutions to manage their entire loan portfolio efficiently. It addresses the complexities of loan product configuration, allowing for effortless tailoring of loan products with adjustable interest rate calculations (fixed/floating), overdue considerations, and associated charges. The system supports various amortization methods, including Step-Up, Step-Down, Bullet, Balloon, Declining Balance, and Increasing Balance, alongside managing moratorium periods, part-payments, tranche disbursals, foreclosures, pre-payments, and one-time settlements. It also effectively manages write-off cases. Beyond product setup, the software streamlines organizational management by supervising offices, holidays, employee information, and configuring working days, while also facilitating bulk import and export. It offers robust fund and limit management, efficient disbursement handling, and effective management of Non-Performing Assets (NPAs) and Delinquent Payment Days (DPDs), including asset classification. The platform also supports ACH/PDC management, demand generation, realization, and bounce incident handling. Comprehensive reporting capabilities include predefined templates for regulatory and bureau reporting, as well as custom reports for active loans, ageing, risk portfolios, and written-off loans. Furthermore, the solution extends to mobility and collections applications with role-based access portals for operations, sanctioning authorities, and product/business teams, ensuring regular payment reconciliation. It supports a wide array of loan types, from modern Retail and Home Loans to Overdrafts, Buy Now Pay Later, Payday Loans, Unsecured Business Loans, P2P Lending, and Gold Loans. A dedicated Collateral Management module allows for effortless addition, association, substitution, and release of collateral, supporting various collateral objects like property, vehicles, and shares, along with efficient handling of collateral agreements and revaluation at defined intervals.

Features & Benefits

• Product Configuration & Customization
  • Effortlessly tailor loan products with adjustable interest rate calculations (fixed/floating), overdue considerations, and associated charges. Simplify the creation of modern loan products using essential parameters. Generate multiple iterations of defined loan products. Customize repayment appropriation strategies.
  • Various amortization methods are supported, including Step-Up, Step-Down, Bullet, Balloon, Declining Balance, and Increasing Balance.
  • Manage Moratorium Periods, Part-payments, tranche disbursals, foreclosures, pre-payments, and one-time settlements.
  • Manage Write-off cases effectively.
• Streamlined Organizational & Financial Management
  • Supervise Offices, Holidays, and Employee Information. Configure working days for optimal performance. Handle bulk import and export effortlessly. Streamline Branch Management. Efficient Limit Management. Efficiently Manage Disbursements. Effectively Handle NPAs/DPDs. Streamline Asset Classification. Manage ACH/PDC Effortlessly. Efficiently Manage Demand Generation, Realization, and Bounce Incidents.
• Scheduled Alerts & Comprehensive Reporting
  • Access predefined templates for Regulatory and Bureau reporting. Generate custom reports encompassing Active Loans, Ageing, Awaiting Loans, Risk Portfolios, Rescheduled Loans, and Written-Off Loans.
• Mobility & Collections Applications
  • Provides role-based access Portals catering to Operations, Sanctioning Authorities, Product and Business Teams. Ensures regular reconciliation of payments at defined intervals.
  • Support for modern Retail Loans, Home Loans, Overdrafts, Buy Now Pay Later, Payday Loans, Unsecured Business Loans, P2P Lending, Gold Loans and many more.
• Advanced Collateral Management
  • Add new collateral to loan accounts effortlessly. Associate existing collateral with loan accounts seamlessly. Assign unique identifiers for different Loan Collaterals. Substitute existing collateral with new collateral effortlessly. Release complete or partial Collaterals. Associate complete collateral or multiple collaterals with multiple Loans. Perform collateral revaluation at defined intervals.
  • Dedicated Portals available for various back-office personnel with predefined actions, manage collateral objects like property, vehicles, metals, shares, etc.
  • Handle collateral agreements like charges, collateral agreements, collateral scopes, collateral pools, etc. efficiently.