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Also serving Kochi and Cochin
Kochi is home to NBFCs, gold loan companies, chit funds and co-operative lenders of every size; loan management software gives Ernakulam lenders schedules, collections and NPA reports from one ledger.
Trusted by 200+ organisations across India & overseas — including
Lending is an old business in Ernakulam. Around the banks on MG Road and Marine Drive sits a wide layer of NBFCs, gold loan firms, chit companies, microfinance lenders and employee co-operative societies. Many began with a ledger book and moved to a custom program written long ago. As the loan book grows and the regulator asks for more, those systems strain: interest is reworked in Excel and overdue lists arrive late.
Loan and lending management software on ERPNext handles the loan from application to closure: product configuration, KYC and approval workflow, disbursal, repayment schedules, interest and penalty accrual, collateral records, field collections on mobile and NPA reporting. Because lending sits inside the same system as accounts, each disbursal, receipt and accrual posts to the general ledger without a separate import.
When part-payments, moratoriums or rate changes occur, staff fall back on spreadsheets, and two people get two answers. Loan products defined once, with their interest method, frequency and charges, generate and revise schedules consistently for every account.
Field agents collect cash and issue paper receipts, and the office enters them later. A mobile collection app shows each agent the day's list, records the payment with location and time, and updates the borrower's account immediately.
Classifying accounts by days past due, computing provisions and preparing statements at quarter-end consumes the accounts team. With accruals and receipts current, ageing, NPA classification and provisioning reports can be produced whenever management or an auditor asks.
Banking and financial services
NBFCs, gold loan and microfinance companies headquartered in Kochi: multiple loan products, branch-wise portfolios, collateral and pledge records, approval routing by amount, and portfolio, ageing and NPA reporting for management and regulators.
Organised retail and malls
Consumer finance tied to retail: instalment plans offered at appliance, furniture and two-wheeler showrooms around Edappally, with approval at the counter, schedules generated on the spot and collections tracked against each store.
Ports, shipping and logistics
Vehicle and equipment finance for truck owners, transport operators and freight businesses serving Cochin Port, with the asset recorded as security, insurance and permit renewals noted, and repayments aligned to how the operator earns.
For Ernakulam lenders we begin with your product sheet and a sample of live accounts, including the awkward ones. Each product is configured and its schedule checked against your existing figures before any data moves. Migration of open loans is rehearsed, then cut over at a month-end. Staff from our Kochi office train branch and collection teams in person.
Case studies
BSS Green Life Solar Division
BSS Green Life Solar — ERPNext, CRM & a Geo-Tagged Site-Survey App
Connect N Cabs Tours & Travels Pvt. Ltd.
Connect N Cabs — A Custom Travel ERP That Lifted Fleet Utilisation 35%
Muthoot Securities Limited
Muthoot Securities — MScan, the Flutter App That Cut Document Search Time by 70%
Yes. Collateral is recorded against each loan with its description, value and documents, and a loan can be limited to a proportion of the security's value. Release of the pledge is tied to closure. Specific needs such as ornament-wise details or appraiser records are added through customisation.
It produces the underlying data: days past due, asset classification, provisioning, portfolio cuts and audit trails. Exact return formats vary by the type of lender and change over time, so we build the reports your compliance team specifies instead of claiming a fixed set suits everyone.
Yes. Branches share one database, with permissions restricting each to its own borrowers while head office sees everything. This suits lenders expanding from Kochi into the rest of Ernakulam and neighbouring districts, since a new branch is a configuration and not a new installation.
Get a clear plan, an honest timeline, and a fixed scope. Talk to a real expert today — whether or not you work with us.
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Kochi (Kadavanthra & Infopark) · Thiruvananthapuram · across India & overseas · In business since 2011