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Also serving Trivandrum
Employees' credit societies, cooperative lenders and finance companies across Thiruvananthapuram still run loans on ledgers and spreadsheets. Loan management software brings schedules, collections and accounts together.
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Interest on a reducing balance is worked out on a calculator.
Each borrower receives a schedule that can be explained line by line.
Salary recovery lists are matched against the demand by hand.
Short recoveries show up member by member on the same day.
Delinquency appears when the auditor classifies it.
The board reads ageing by product and officer every month.
A city of salaried people is a city of small lenders. Thiruvananthapuram has employees' cooperative credit societies attached to government departments, PSUs and institutions, service cooperative banks in every panchayat, gold loan and vehicle finance companies, and microfinance groups working along the coast and in the hill taluks around Nedumangad.
Our loan and lending solution, built on ERPNext, manages the whole life of a loan: product definition, application and KYC, approval workflow, disbursal, repayment schedules, interest and penalty accrual, collateral, field collections on mobile, and NPA reporting. Every transaction posts to the general ledger, so loan records and the books finally agree.
Case studies
Adventure Sports Cover 360 (ASC360)
ASC360 — ERPNext + Mobile App Cut Policy Issuance Time 70%
MultiWealth Capital
MultiWealth Capital — ERPNext Cut Loan Processing Time by 60%
Cochin Technical College
Cochin Technical College — Custom ERP Cut Admission Processing Time by Over 60%
An example
A field officer starts her round in the fishing colonies near the old harbour on a Wednesday morning. Her phone shows the group meeting for the day, each member's outstanding and the instalment expected. Receipts are issued on the spot and the borrower gets a message before the officer leaves the doorstep. Coverage drops in one lane; three entries sit on the phone until the signal returns near the main road, then sync on their own. Back at the branch in the afternoon, the manager sees the day's collection against demand, and the two members who paid nothing appear on tomorrow's follow-up list rather than in next year's audit report.
We configure your loan products first and test them against a sample of existing accounts until every schedule matches. Loan balances are then migrated with a cut-off date agreed with your auditor. Staff training is done branch by branch, and our Thiruvananthapuram office supports the first month-end on the new system.
Discovery. Your loan products, interest methods, collection routine and reporting.
Blueprint and fixed scope. A clear plan, the deliverables and the timeline, agreed in writing before configuration starts.
Configuration. Loan products, schedules, disbursement, repayment, collections and the books behind them.
Data migration. Borrowers and running loans with their schedules and outstanding balances.
Training, go-live and support. Your team tests on real data, we stand beside you at launch, then support continues under a plan.
The scope and timeline are agreed in writing before work starts.
Government and public administration
Credit societies of government and PSU employees need member shares, thrift deposits, surety tracking, loans recovered through salary and dividend calculation, along with reports in the form cooperative audit expects.
Ports and logistics
Financiers funding trucks, trailers and equipment for operators gearing up around Vizhinjam need hypothecation records, insurance and permit expiry tracking, and instalment schedules matched to how the vehicle actually earns.
Tourism and hospitality
Lenders serving homestays, taxi owners and small resorts around Kovalam and Varkala need seasonal repayment structures and moratoriums, so instalments follow the tourist season rather than fight it.
No, and we say so plainly. It is a loan management system with full accounting, suited to credit societies, NBFCs, microfinance and finance companies. Institutions needing savings operations at scale, clearing or ATM connectivity require a core banking product.
Yes. Collection agents log visits and receipts on a mobile app with location, and the borrower gets a confirmation. Where coverage is weak, as it can be in parts of the district's hill areas, entries sync when the signal returns.
Yes. Pledged ornaments are recorded as collateral with weight, purity and valuation, loan-to-value rules are applied at sanction, and release is tied to closure. Auction-related processes can be configured to match your approved policy.
After a first conversation about your loan products, branches and the volume of running loans, we agree the scope and send you a written quotation. The price, the deliverables and the timeline are fixed against that scope before any work starts, so nothing grows without your sign-off.
You speak to someone who does this work, not a call centre. They ask about your loan products, how collections run and what you use today. If it looks like a fit, we agree the scope and put it in writing, with the timeline, before any work starts. If it does not, we tell you.
Vizhinjam harbour (minor port)transport
fishing harbour and coastal-shipping minor port run by the Kerala Maritime Board, separate from the international seaport
Fishing households around the minor port borrow in small amounts with income that changes week to week, which is why field collection on a phone matters more than a branch counter.
Source: en.wikipedia.orgNedumangad Municipalitylocal body
Service cooperative banks and small lenders in the hill taluk towns handle agricultural and gold-backed loans where valuation, release and renewal notices all need to sit on one record.
Thiruvananthapuram District Panchayatlocal body
Employees' credit societies attached to departments and boards across the district recover instalments through payroll, so demand lists and bulk recovery posting are the heart of their monthly work.
Places and organisations are named for local context only. Acube Innovations is not affiliated with or endorsed by them.
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Kochi (Kadavanthra & Infopark) · Thiruvananthapuram · across India & overseas · In business since 2011