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Also serving Secunderabad
Hyderabad's finance companies, from microfinance to gold loans, outgrow Excel schedules quickly; lending software keeps every loan and the ledger in step.
Trusted by 200+ organisations across India & overseas — including
Hyderabad has long been a lender's city. It was the early centre of Indian microfinance, and today NBFCs, housing and vehicle financiers, gold loan firms and newer fintech lenders have offices from Begumpet and Somajiguda to the Financial District at Gachibowli. Many of the smaller ones still run their loan book on spreadsheets, or on an old desktop package that cannot produce what an auditor asks for.
Our loan and lending solution is built on ERPNext accounting and the Frappe Lending app. It covers loan products, origination with KYC documents, approval workflows, disbursal, repayment schedules, interest and penalty accrual, collateral, field collections on mobile, and NPA classification with ageing. Every loan event posts to the general ledger, so the loan book and the accounts cannot drift apart.
A part-payment, a moratorium or a foreclosure means someone reworks the schedule in Excel and hopes the formula held. The system regenerates the schedule by rule and records why it changed.
Field officers collect cash in neighbourhoods across the city and report at night by message. A mobile collection app records each receipt on the spot with location, updates the borrower's account and gives the branch manager a live picture.
When overdue tracking depends on a monthly sheet, slippages are noticed long after they start. Automated ageing, NPA classification and provisioning reports give management and auditors the same current numbers.
Banking & financial services
NBFCs and microfinance institutions configure group and individual loan products, approval hierarchies, accrual rules and regulator-ready reports, with branch-wise books consolidated at the Hyderabad head office.
Jewellery & pearls trade
Lenders against gold ornaments record each pledged article with weight, purity and valuation under the collateral module, link it to the loan, and track release on closure, which protects both the borrower and the firm.
Retail & e-commerce
Financiers of consumer durables and two-wheelers working from dealer counters process high volumes of small loans, where quick origination, automatic EMI schedules and reminder messages matter more than elaborate credit models.
We deliver lending systems to Hyderabad institutions remotely from Kochi, beginning with a detailed study of your loan products and accounting policy, since no two lenders calculate in quite the same way. Existing loans are migrated with their schedules and balances and reconciled to your books. We plan on-site sessions for product sign-off with your finance and credit heads, and for training branch and collection staff.
Case studies
Kochi Metro Rail Limited (KMRL)
Kochi Metro (KMRL) — ERPNext Property & Lease Management, Zero Paper
Della Fashions
Della Fashions — ERPNext POS Made Checkout 60% Faster Across Every Outlet
Kerala State Road Transport Corporation (KSRTC)
KSRTC — ERPNext Courier System Delivered ₹1 Crore in Profit
In most cases, yes. Flat and reducing balance methods, different repayment frequencies, moratoriums and penal charges are configurable per loan product. Unusual methods can be added through customisation. We validate the system's schedules against your existing loans before go-live.
Access is controlled by role, so a field officer sees only assigned borrowers. Every change is logged with user and time. Hosting can be on your own cloud account in an Indian region with encrypted backups. We discuss your regulator's expectations at the design stage.
Yes. The same system serves a single branch or many, and a small lender can begin with core loan management and accounts, then add mobile collections later. ERPNext is open source, with no licence fee per user.
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Kochi (Kadavanthra & Infopark) · Thiruvananthapuram · across India & overseas · In business since 2011