Loan Management System for NBFCs & Lending Desks

One borrower account for applications, EMI schedules, collections, and overdue, so the morning list is a report, not a spreadsheet.

Who this page is for: NBFCs, lending desks, cooperatives, and finance companies that issue individual loans. Group lending is the Microfinance LMS. Near Cuddalore? See the local page. Buyer’s checklist: loan & microfinance LMS guide.

Request a demo WhatsApp a schedule +91 8072 731 822

Overview

The loan file, without the file

in few words...

Most desks still split the book: an application in a folder, an EMI in Excel, a receipt in a day book. The overdue list is whoever remembered. That is fine until a review meeting asks who slipped, and nobody can open one account and answer.

The Loan Management System keeps each borrower, facility, and installment together. Staff record an application, disburse, and generate a schedule. Collections post against the installment that is actually due. Interest, charges, and receipts stay on the account. Reports cover portfolio, collections, and aging for the people who review the book.

This is not a consumer instant-loan app. Field-heavy group lending belongs in the Microfinance LMS. Unique interest or penalty rules are custom software, not a bent product.

What you get

From sanction to last EMI

01

Origination

Applicant, terms, and status on one record, so a sanctioned file is not a folder plus a spreadsheet.

02

Disbursement

Release sits on the same borrower account as the application, so the book never starts from a second sheet.

03

EMI schedules

Generate installments from the terms you set. See what is due, what is paid, and what has slipped, without rebuilding the sheet.

04

Collections

Post receipts against the installment that is actually due. Outstanding stays current for the desk and for follow-up.

05

Overdue as a list

Aging is a report, not a memory. Who slipped, by how much, and which installment: openable in the review meeting.

06

Portfolio reports

Disbursement, collection, and aging views for the people who review the book, filtered by the period you manage.

The demo

Bring one schedule. Leave with a decision.

We do not walk a generic loan. We map your EMI onto the system so you can see dues, receipts, and overdue on your product, then quote, or say this should be custom.

Send a sample

One real EMI schedule, how overdue is chased, and any rule that is not a standard reducing balance.

We map it

Borrower, terms, dues, and receipts lined up on one account. No setup required on your side to see it.

You decide fit

If the product covers the book, we quote configuration and import. If a rule is unique, we say so.

Import & train

We map the existing book, validate a sample, then train the desk that actually posts receipts.

fit.md FIT

Who this is for, and who should look elsewhere

Lending desks, NBFCs, cooperatives, chit and finance companies, and in-house teams that issue individual loans and collect on a schedule. Vehicle, staff, or gold-loan desks fit when the morning starts with who missed an EMI, not with a center meeting.

Not this product: a consumer instant-loan app; a programme whose collection happens in center meetings and groups (that is the Microfinance LMS); a full core-banking suite; or a book whose interest and penalty rules are unique (that is custom software).

pick.md PICK

Pick the book, then the product

Buying both “to be safe” usually means neither book is set up. Use this table, then book the demo that matches how you lend today.

Loan Management System Microfinance LMS Custom software
Morning starts with Applications, disbursement, who missed an EMI A center, a group, what the field agent collected A rule the ready products were not built for
The record Borrower, facility, installment, receipt Center, members, meeting-day collection Whatever the brief actually is
Demo with One real EMI schedule One center’s collection sheet The unusual interest, penalty, or product rule

Request a demo Read the buyer’s guide

FAQ

Questions buyers actually ask

Can we define our own interest rules?

Common reducing and flat styles are part of the product conversation. Unusual charges are scoped before build or configuration.

Does it send reminders?

Overdue lists are first. Reminder channels — SMS or WhatsApp — are scoped to how your team already follows up.

Can we import an existing loan book?

Yes. We map borrowers, balances, and open installments, then validate a sample before cutover.

Is this a consumer loan app?

No. This product is for NBFCs, lending desks, cooperatives, and finance companies. It is not an instant-loan app for consumers.

How is this different from the Microfinance LMS?

This LMS is branch-and-schedule lending. The Microfinance LMS adds centers, groups, and field collection as the daily workflow.

What should we bring to a demo?

One real EMI schedule, how overdue is chased today, and any interest or penalty rule that is not a standard reducing balance.

When is it custom software instead?

When interest, penalty, or product rules are unique to your book. That is custom software, not a ready LMS.

Do you handle core banking?

This product manages the loan book and collections. It is not a full core-banking suite. We scope integrations during discovery.

In this family

Also in finance

01

Microfinance LMS

Centers, groups, field collections, and loan cycles built for microfinance operations.

Explore →
02

LMS in Cuddalore

Same product, local desk: demo at our Koothappakkam office, training in Tamil or English.

Explore →

Send us a sample EMI schedule

We’ll show how your accounts, dues, and receipts line up inside the system, then quote configuration, or tell you it should be custom. No setup required to see it. Prefer a local walkthrough? Cuddalore desks start here.

Request a demo