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Also serving Trichur
Thrissur has been lending against gold and running kuries for generations; the firms that grow from here need loan software that posts every receipt to a real ledger.
Trusted by 200+ organisations across India & overseas — including
Few towns in India have as deep a lending tradition as Thrissur. Banks, non-banking finance companies, gold loan firms, kuri companies and service co-operative societies are headquartered or rooted here, and many more small financiers operate from a single room off the Round. They share a common growth path: a loan book that starts in a bound register, moves to a locally built desktop program, and then outgrows it when branches multiply and the regulator or the lenders' bank asks for reports the program cannot produce.
Our loan and lending management software is built on ERPNext. It covers loan products, application and KYC, sanction workflows, disbursal, repayment schedules, interest and penalty accrual, security and collateral, field collection on mobile, and overdue and NPA reporting. Because it sits on a full accounting system, every transaction reaches the general ledger by itself.
When the loan program and the accounting package are separate, someone posts daily totals by journal and the two drift apart. On a single platform, a disbursal or a repayment is one entry that updates the borrower's account and the ledger together, and the trial balance always ties to the loan book.
Details of pledged ornaments are written on the packet and in a register, and an audit means opening the vault and reading labels. Recording each pledge with weight, purity, valuation and packet number against the loan gives the auditor a list to verify and the branch a clear release procedure.
Field agents collect in cash and report in the evening. A mobile collection screen records each payment at the customer's door with location and receipt, so the branch manager sees collections as they happen and knows which visits were missed.
Banking and financial services
Configurable gold, business and personal loan products, branch-wise sanction limits with maker-checker approval, automated interest and penal charges, overdue ageing and NPA classification, and portfolio reports for the board and for funding banks.
Gold and jewellery manufacturing and retail
For jewellery groups with a finance arm, pledge records that carry ornament weight and purity, valuation against the day's rate, renewal and auction workflows for defaulted pledges, and a clean separation between the showroom's books and the lender's.
Timber, plywood and furniture
For furniture and home-goods dealers who sell on instalments, a simple loan product per sale, repayment schedules with reminders, receipts at the counter or by agent, and overdue lists that show who to call this week.
Lending implementations begin with your product sheet and your sanction policy. We sit with your operations and accounts heads in Thrissur to configure each product exactly as you lend it, then migrate the live loan book with balances verified account by account on a sample and in total. Branches go live in groups. Our Kochi support desk stays close through the first month-end and the first audit.
Case studies
Dumas Bakes N Meals Private Limited
Dumas Bakes N Meals — ERPNext Lifted On-Time Deliveries by Over 40%
Adventure Sports Cover 360 (ASC360)
ASC360 — ERPNext + Mobile App Cut Policy Issuance Time 70%
Muthoot Securities Limited
Muthoot Securities — MScan, the Flutter App That Cut Document Search Time by 70%
The standard product is a lending system. Kuri operations, with subscriptions, auctions, prize money and foreman's commission, need additional customisation, which we scope separately. Many Trichur firms run both, so we design the two to share customers and accounts where that makes sense.
It produces ageing, NPA classification, provisioning, interest accrual and portfolio reports as standard. Formats required by a specific regulator or lender are built as custom reports on the same data. We review your current reporting obligations during scoping so that nothing is discovered after go-live.
Customers, active loans, schedules, outstanding balances and pledge details are extracted from your present system, loaded in a test environment, and reconciled with your books. Only when totals and a checked sample agree do we repeat the load for the live cutover.
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