Loading…
Loading…
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.
Trusted by 200+ organisations across India & overseas — including
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. Many track their loan accounts with software written long ago, or with none.
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. For Trivandrum lenders, that means loan records and the books finally agree. Members and borrowers can be given statements at any time.
Staff compute interest on reducing balances with calculators, and members dispute the results. Schedules generated by the system, with automatic accrual and penal interest, give every borrower a statement that can be explained line by line. Prepayments and rescheduling are recalculated correctly.
Employee societies recover instalments through the employer's payroll, and the list received rarely matches the demand. A demand list from the system and bulk posting of recoveries show short payments immediately, member by member. Letters to the drawing officer are generated from the same list.
Without ageing reports, a lender sees delinquency only when the auditor classifies it. Daily overdue lists, reminders and collector-wise follow-up make arrears a routine task instead of an annual shock. The board sees portfolio quality every month, by branch, product and loan officer, not once a year.
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. General body reports are prepared from the same data.
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 earns. Repossession and settlement cases are recorded with documents attached.
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. Group loans to self-help groups are tracked member by member.
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 and the first audit on the new system.
Case studies
Cochin Technical College
Cochin Technical College — Custom ERP Cut Admission Processing Time by Over 60%
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%
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. We can advise which you need.
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. Interest notices and renewal reminders are sent to borrowers automatically.
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