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Also serving Secunderabad
Hyderabad has lent for generations, from pledged gold to group loans and dealer finance, and lending software keeps every schedule, receipt and classification in step with the ledger.
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A part-payment or a moratorium sends someone back into a spreadsheet to rework the schedule.
The schedule regenerates by rule, with the reason for the change recorded against the loan.
Field officers collect through the day and report the totals by message at night.
Each receipt is entered where it is taken, and the branch manager watches collections build.
Overdue accounts are classified when the monthly sheet is prepared, long after the slippage.
Ageing and classification run daily, so management and the auditor read the same numbers.
This was an early centre of Indian microfinance, and the trade never left. Finance companies, housing and vehicle financiers, gold loan firms and newer digital lenders work from Begumpet, Somajiguda and the Financial District, while the pledge counters sit in the old city near Charminar and in the market lanes of Secunderabad. Many of the smaller lenders still run a loan book on spreadsheets.
Our lending solution is built on ERPNext accounting with the Frappe Lending app. It covers loan products, origination with KYC documents, approval workflows, disbursal, repayment schedules, interest and penalty accrual, collateral, field collection on a phone, and overdue classification with ageing. Every loan event posts to the general ledger, so the book and the accounts cannot drift apart.
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%
Kochi Metro Rail Limited (KMRL)
Kochi Metro (KMRL) — ERPNext Property & Lease Management, Zero Paper
An example
Three in the afternoon at a pledge counter a few lanes from Charminar. A regular customer brings two bangles. The appraiser weighs them, notes the purity, and the valuation goes into the loan application with the photographs. KYC is already on file from the last loan, so approval comes back within the hour and the disbursal posts to the ledger as it is paid out. The instalment schedule prints for the customer to carry home. Down the road the same branch's field officer records three collections on his phone, and by closing the manager sees the day's disbursals, receipts and cash position without asking anyone for a figure.
We deliver lending systems to Hyderabad institutions from Kochi, starting with a close study of your loan products and accounting policy, because no two lenders compute quite alike. Existing loans are migrated with schedules and balances and reconciled to your books. On-site sessions are planned for product sign-off with your credit and finance heads, and for training branch and collection staff.
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.
Banking & financial services
Group and individual loan products, approval hierarchies, accrual rules and regulator-ready reports, with branch books consolidating into the head office ledger.
Jewellery & pearls trade
Lenders against ornaments record each pledged article with weight, purity and valuation, link it to the loan and track release on closure, with every custody change logged.
Retail & e-commerce
Financiers of consumer durables and two-wheelers at dealer counters process many small loans, where quick origination, automatic instalments and reminder messages matter more than elaborate scoring.
In most cases yes. Flat and reducing balance, different repayment frequencies, moratoriums and penal charges are configurable by loan product, and unusual methods are added as customisation. We validate the system's schedules against your live loans before anything goes live.
Access is by role, so a field officer sees only assigned borrowers, and every change is logged with user and time. Hosting can sit in your own cloud account in an Indian region with encrypted backups. We go through your regulator's expectations at design stage.
No. The same system serves one branch or forty. A small lender can begin with core loan management and accounts and add mobile collections later. ERPNext is open source, so there is no per-user licence fee to carry while you grow.
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.
Laad Bazaar, Charminarmarket
bangles, pearls, bridal wear, imitation jewellery and crafts on the road off Charminar; a Qutb Shahi-era market
The bangle, pearl and bridal market off Charminar, where gold-backed lending follows the wedding season and pledged articles need weight, purity and release recorded against the loan.
Source: en.wikipedia.orgMonda Market, Secunderabadmarket
1870s vegetable market near Secunderabad station, now retail; the wholesale trade moved to Bowenpally in 1998
A dense retail market whose traders borrow small and repay daily or weekly, the pattern that makes collection on a phone worth more than any amount of branch software.
Source: en.wikipedia.orgHyderabad revenue division (Amberpet, Himayatnagar, Nampally, Asifnagar, Saidabad, Bahadurpura, Bandlaguda, Golconda, Charminar mandals)local body
Nine mandals of dense old-city neighbourhoods where field officers work a daily beat, so branch-wise and officer-wise collection reporting is the heart of the system.
Places and organisations are named for local context only. Acube Innovations is not affiliated with or endorsed by them.
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