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Also serving Bangalore and Bengaluru
Bengaluru's lenders range from app-based fintechs to employee credit societies; loan management software gives each accurate schedules, collections and books that reconcile.
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Lending in Bengaluru Urban has many faces. Fintech startups in Koramangala originate small loans through an app and must account for every disbursal to partners and regulators. NBFCs finance vehicles, equipment and property for the city's traders and transporters. Chit funds and co-operative credit societies, including those run by employees of large campuses, serve members who want a familiar counter. All of them share the same risk: a loan book kept in spreadsheets drifts from the ledger.
Acube's loan and lending solution on ERPNext covers loan product configuration, origination with KYC and approval workflows, disbursal, EMI and repayment schedules, interest and penalty accrual, collateral tracking, mobile field collections and NPA and audit reporting. Every disbursal, receipt and accrual posts to the general ledger as it happens. A Bangalore lender gets one system where the loan ledger and the accounts cannot disagree.
A lending app holds the schedules and Tally holds the accounts, and someone reconciles them monthly. In ERPNext each loan transaction is an accounting entry, so portfolio outstanding and the balance sheet figure are the same number by construction. Audits begin from agreed numbers.
A festival offer, a moratorium or a step-up EMI means a fresh workbook and fresh errors. Configurable loan products define interest method, frequency, charges and collateral rules once, and every loan under that product follows them. Launching a scheme becomes configuration, not development.
Field staff collect cash and report on WhatsApp. A mobile collections app logs the visit, records payment with location, issues a receipt and updates the loan account, so the branch manager sees the day's position by evening. Cash shortages surface the same day.
Fintech startups and digital lenders
API-friendly loan accounts, automated accruals, partner-wise portfolio reports and an audit trail suited to startups that originate through software and must satisfy lending partners and auditors. Growth in volume does not mean growth in reconciliation staff.
NBFCs financing vehicles and equipment
Collateral and hypothecation records, repayment schedules with part-payment and foreclosure, overdue ageing and NPA classification for lenders to transporters, retail traders and small industrial units around Peenya. Branch heads see overdue accounts by officer and area every morning.
Employee co-operative credit societies
Member accounts, loan eligibility rules, salary-deduction recoveries, dividends and statutory reports for societies serving staff of large public-sector, aerospace and electronics campuses. Members get statements on request, and the committee sees the society's position at every meeting.
For Bengaluru lenders we work remote-first, with product rules, schedules and accounting entries designed on calls with your credit and finance heads. Existing loans are migrated with balances checked loan by loan. We come from Kochi for user training at your head office and for go-live, and train field staff on the collections app in batches. Month-end accrual runs are supported until they are routine.
Case studies
Kerala State Road Transport Corporation (KSRTC)
KSRTC — ERPNext Courier System Delivered ₹1 Crore in Profit
Queue Off
Queue Off — Digital Payments That Work on a Feature Phone, With No Internet
Muthoot Securities Limited
Muthoot Securities — MScan, the Flutter App That Cut Document Search Time by 70%
Yes. Interest method, repayment frequency, moratorium, processing charges and penal interest are set per loan product. Schedules regenerate correctly on part-payment, rescheduling or foreclosure, and the accounting entries follow. Each borrower's statement reflects the change at once, which avoids disputes at the counter.
It provides overdue ageing, NPA classification, provisioning and portfolio reports from live data, and statements can be shaped to the formats your auditor or regulator asks for. Regulatory filing remains your responsibility; the system supplies clean figures. Audit trails show who changed what.
Not necessarily. Because ERPNext is open source with no per-user licence fee, a society can start with members, loans, receipts and accounts, and leave the mobile app and advanced workflows for later. Growth can then be added in steps the committee is comfortable with.
Get a clear plan, an honest timeline, and a fixed scope. Talk to a real expert today — whether or not you work with us.
or write to info@acube.co
Kochi (Kadavanthra & Infopark) · Thiruvananthapuram · across India & overseas · In business since 2011