The servicing layer your lending platform needs. From first EMI to final receipt.
Custom EMI schedules, charge & penalty engine, three-channel EMI collections, prepayment & restructuring, borrower statements, and DPD tracking — built for the operational reality of running an NBFC book, with the audit trail your finance team needs.
Eight servicing modules, wired for downstream consumers.
Each module emits events that collections and pricing subscribe to in real time. No batch-job lag, no stale snapshots.
Reducing balance, flat, bullet, daily, custom. Holiday calendar awareness.
Pre-EMI, late, bounce, foreclosure, restructuring fees. Tax-aware.
DPD bucket transitions, IRAC norm classification, real-time event stream.
Partial / full prepayment, term changes, EMI re-amortization, COVID-style relief plans.
Account, repayment, interest certificate, foreclosure letters, branded, multilingual.
Architecture designed for clean posting to Tally, BUSY, and custom ERPs. Integration engagement-scoped per client.
eMandate auto-debit primary, QR code fallback, cash with challan. DPD updated per event, settlement tracking, collection reports.
Immutable event log per loan, queryable for RBI inspection or external audit.
Three-channel EMI collection, built into your servicing workflow.
- eMandate / NACH auto-debit as the primary collection channel
- QR code payment link triggered automatically on eMandate failure
- Cash collection with challan details — payment captured and audit-logged
- DPD updated per collection event, not on a nightly batch
- Settlement tracking against disbursed portfolio, reconciled automatically
- Collection reports: channel-wise, bucket-wise, payment capture summary
Built into the systems your finance and ops teams already run.
One version of the truth, across your LMS and the regulator.
An LMS that calculates NPA only for the regulator's report is already broken. We make NPA a first-class event with downstream consumers subscribed in real time.
Bucket transitions emit downstream events to collections and pricing, not just a regulator report.
Sub-standard / Doubtful / Loss classification with the evidence trail RBI inspectors expect.
Granular role-based entitlements, DPDP-aligned consent management, and PII encrypted at AES-256-GCM at rest and in transit.
DPD-triggered notifications respect grievance redressal SLAs and DPDP consent — no unsolicited contact outside the borrower's recorded preferences.
Servicing modernization without halting collections.
- Replace legacy LMS while live collections continue uninterrupted
- Migrate per loan product, not big-bang
- Mirror NPA classification to legacy + new for one cycle
- Audit-ready archival of legacy LMS once sunset
- Production support with senior engineers, not L1 ticket queues
NBFC LMS, what buyers ask before scoping.
Real-time NPA, IRAC classification, restructuring depth, audit retention, sequenced migration.
How does "NPA as a first-class event" actually work in production?
Every EMI event (payment, partial, bounce, restructure) emits an NPA-evaluation trigger and the classifier runs. State transitions (Standard → SMA-1/2 → NPA → Sub-standard → Doubtful → Loss) emit domain events with timestamp and evidence. Collections, GL, comms and pricing subscribe, not stale snapshots.
What restructuring scenarios are supported out-of-the-box?
Twelve at MVP: partial prepayment with re-amortisation, full prepayment within cooling-off, term extension with provisioning recompute, rate revision mid-term, holiday add (moratorium), EMI date change, co-borrower add/remove, top-up linkage, renewal with revised terms, OTS with write-off, NPA recalibration, automated comms per scenario.
How does the LMS integrate with our existing GL (Tally, BUSY, SAP)?
T+0 event-driven posting. Sub-ledger reconciliation native. NACH bounce auto-reverses. Restructuring auto-posts with provisioning recompute. Period close becomes a T+1 event-completion check, not a multi-day reconciliation marathon. Adapters pre-built for Tally, BUSY, SAP, Oracle Financials, and QuickBooks.
How long is audit data retained, and is it queryable?
Immutable per-loan audit log retains all state changes per RBI policy (10+ years). Queryable per loan, customer, portfolio. Replayable to reconstruct any historical state, when an inspector asks why a loan was NPA on a given date, you answer in seconds, not via engineering archaeology.
Can we migrate from our existing LMS without halting collections?
Yes. Same sequenced migration as LOS. Run batch and event-driven NPA classification in parallel for a month. Diff outputs daily. When divergence across all bucket transitions is zero, switch consumers (collections, GL, comms, pricing) one at a time. Decommission the batch classifier after two close cycles.
Is the LMS suitable for a ₹100Cr–₹1,000Cr AUM NBFC, or does it scale further?
Engineered for ₹100Cr–₹5,000Cr AUM. Above ₹500Cr, event-driven NPA is unambiguous, collections is making decisions on stale data that costs recovery. Architecture is cloud-native and designed for 10x AUM growth without re-platforming.
If your LMS computes NPA in a batch job, you're operating two versions of the truth.
The fix isn't a new dashboard. It's making NPA a first-class event in your LMS, with downstream consumers subscribed in real time. Talk to a senior engineer.
- A senior engineer reviews your submission — not a sales rep
- Response within one business day
- NDA available before scoping if needed