Loans Management System

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

• 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 Empowering Lending Institutions

• 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 (days past due) 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.

Leveraging the Latest Technology

• 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.

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.

Ready to extend financial services to the people who need them most? Talk to Our Team Today