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Loans Management System
Overview
End-to-end digital loan lifecycle management for banks, NBFCs, and lending institutions — from disbursement to closure on a single intelligent platform.
Transform Your Loan Portfolio with an Intelligent, End-to-End Loans Management System
Managing a loan portfolio is far more than approving applications. From the moment a loan is disbursed to the day it is closed, every stage — repayment scheduling, covenant monitoring, collections, restructuring, and regulatory reporting — demands precision, speed, and compliance. Our Loans Management System (LMS) is purpose-built to handle every one of these stages on a single, unified platform, giving lending institutions real-time visibility and full control over their entire loan book.
The Complete Loan Lifecycle on One Platform
Unlike core banking systems that manage disbursement and basic repayment in isolation, our LMS is designed specifically for the complexity of loan servicing. Whether you manage retail mortgages, corporate term loans, SME working capital facilities, or agricultural micro-loans, our platform handles every product type with product-specific rule engines, amortisation schedules, and regulatory configurations built in.
Key Differentiators
Intelligent, Configurable, and Compliance-Ready
Complete loan lifecycle on a single platform — with restructuring
feedback loops built in
Multi-Product Loan Engine
Retail, corporate, SME, mortgage, auto, personal, overdraft, trade finance, and agricultural loans — each with its own product definition, amortisation schedule, and fee structure, managed within a unified system.
Flexible Repayment Schedules
EMI, bullet, balloon, reducing balance, flat rate, step-up, and step-down schedules. Automatic recalculation on prepayments, waivers, rate revisions, or moratorium events with full audit trail.
AI-Powered Early Warning
Machine learning models continuously analyse repayment patterns, bureau data, and market signals to generate early warning scores, NPA predictions, and collections prioritisation — enabling proactive relationship management before accounts become delinquent.
Automated Collections Workflows
Rule-based delinquency classification, dunning automation, NPA provisioning, and recovery tracking reduce manual intervention and accelerate resolution cycles.
Restructuring and Waivers
Digital approval workflows for loan restructuring, moratorium, interest waiver, and rescheduling with configurable authority hierarchies, regulatory compliance, and full documentation management.
Covenant and Limit Monitoring
Configurable financial and non-financial covenant tracking with breach detection, escalation workflows, and real-time utilisation alerts for corporate and syndicated loan portfolios.
Key Functionalities
Key Functionalities Empowering Lending Institutions
Modular LMS architecture — open APIs connect to any origination, core
banking, or payment system
Loan Disbursement and Account Management
- Automated disbursement triggers linked to origination approval and documentation completion.
- Multi-currency, multi-branch, and multi-entity account management from a single platform.
- Flexible interest accrual — daily, monthly, or custom — with automated posting to the GL.
- Lien and collateral management with real-time valuation updates and release workflows.
Repayment Engine
- Support for all amortisation types: reducing balance, flat rate, EMI, bullet, balloon, and hybrid.
- Automatic prepayment handling with rebate calculation and schedule regeneration.
- Penalty and late fee computation based on configurable product rules and regulatory caps.
- Straight-through payment processing via direct debit, RTGS, NEFT, mobile wallets, and UPI.
Collections and NPA Management
- Automated DPD tracking and bucket-based delinquency classification.
- AI-prioritised collections queues routing the right accounts to the right agents.
- Digital dunning workflows — SMS, email, and push — configurable by DPD bucket and product.
- GNPA, NNPA, and provisioning calculations aligned to RBI / Basel III / IFRS 9 requirements.
- Legal recovery tracking, write-off workflows, and post-write-off collection management.
Reporting and Regulatory Compliance
- Pre-built report templates for central bank statutory returns, CRILC, and SMA classifications.
- IFRS 9 expected credit loss (ECL) provisioning engine with stage migration logic.
- Basel III credit risk weighted asset calculations and capital adequacy reporting.
- Stress testing scenarios with what-if analysis across the entire portfolio.
- Customisable MIS dashboards for portfolio health, concentration risk, and relationship profitability.
Technology
Leveraging the Latest Technology
AI engine learns continuously from portfolio data to deliver predictive
risk intelligence
Cloud-Native Architecture
Designed for optimal performance, scalability, and resilience on leading cloud platforms including AWS, Azure, and GCP.
Microservices-Based Design
Enables agility, independent scaling, and zero-downtime deployments across all LMS modules.
Open APIs and Integration Framework
REST, ISO 20022, SOAP, and webhook adapters facilitate seamless integration with core banking, payment hubs, and origination systems.
Real-Time Analytics and Dashboards
Portfolio health, delinquency trends, concentration risk, and profitability analysis in real time — accessible on any device.
Robust Security and Audit
Role-based access control, full transaction audit trail, data encryption at rest and in transit, and VAPT-certified infrastructure.
Deployment
Flexible Deployment and Licensing Options
On-Premises (Perpetual or Subscription)
Deploy and manage the complete solution within your own data centres for maximum control and data sovereignty.
Cloud Hosting (Perpetual or Subscription)
Leverage the scalability and flexibility of cloud infrastructure while retaining full licence ownership.
Complete SaaS (Software-as-a-Service)
Access the full LMS through a secure, multi-tenant cloud environment — fully managed by us with rapid deployment and minimal IT overhead.
Reach Us
Ready to extend financial services to the people who need them most?
Digital Banking
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Omni Channel
Unified retail and corporate digital banking platform across mobile, web, and branch channels with seamless microservice integration.
Lending
Learn more
Loans Management System
End-to-end loan servicing, automated repayment schedules, collateral management, and delinquency tracking.
Payments
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Payment Hub
High-throughput real-time payment gateway and interoperable multi-rail transaction orchestration engine.
Trade Finance
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Supply Chain Finance
Multi-tier supplier financing, dynamic invoice discounting, and buyer-seller collaborative digital ecosystems.
Origination
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Loan Origination System
Digital credit onboarding with automated underwriting, credit scoring, and straight-through STP approvals.
Cash Management
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Virtual Account
Hierarchical virtual accounts for instant automated corporate reconciliation and payment collection.
Microfinance
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Lightweight Core Banking
Cloud-native, mobile-first core banking engine designed specifically for MFIs and emerging market lenders.
Core Banking
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Cloud Core Banking
Enterprise-grade multi-tenant core banking deployed on cloud with rapid time-to-market and full implementation ownership.
Security
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Smart Token
Next-generation cryptographically secure software token and dynamic OTP authentication for transactions.
Identity
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NexusID
Federated single sign-on, cryptographic token exchange, and centralized identity lifecycle management.
