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One missed EMI, watched twice. Once in a spreadsheet. Once on a system that acts on day one.
0days past due
Collections
Each agent gets the day’s list on a phone. Every visit is logged with its place and time, and it keeps working where the signal does not.
Today · 4 visitsonline · synced
Anil P.pending
Aluva
Shaji K.pending
Perumbavoor
Meera S.pending
Kothamangalam
Rasheed T.pending
Muvattupuzha
Products
Define the tenure, the rate and the rules. The schedule, the accruals and the reminders follow for every loan you book under it.
NEW PRODUCT · Gold loan · 12 months · reducing balance
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Who came to us with this
PassbookLending
MultiWealth CapitalOne lending system from application to last EMI, with a collections app that keeps working when the signal does not.
PassbookInsurance
ASC360Paper underwriting replaced by digital policies issued on site, even where there is no signal.
Talk to us, or get a quote in two minutes
Plain questions about your products, your branches and your people. The figure appears before anyone calls you.
More detail
Built on ERPNext's accounting engine and the Frappe Lending app, the platform automates every stage of the loan lifecycle and keeps your general ledger reconciled in real time.
| Module | What it does |
|---|---|
| Loan product configuration | Variable interest, repayment frequencies, moratoriums, charges, collateral rules — define once, reuse everywhere. |
| Origination & KYC | Digital onboarding, document capture, configurable credit-approval workflows and sanction routing. |
| Disbursal | One-click disbursal with auto-posting to the ledger and borrower account. |
| EMI & repayment schedules | Auto-generated schedules, part-payments, foreclosure, reminders and overdue flags. |
| Interest & penalty accrual | Automated interest accrual, penal charges and write-offs posted straight to accounts. |
| Security & collateral | Track pledged assets, guarantees and documents against each loan. |
| Field collections (mobile) | Visit logging, on-the-spot payments, geo-tagging and follow-up notes. |
| NPA & audit reporting | NPA classification, ageing, provisioning and regulator-ready statements in a click. |
| ERPNext (with Acube) | Legacy core-lending suite | Spreadsheets + apps | |
|---|---|---|---|
| Total cost of ownership | 60–80% lower — no per-seat licences | High licences + AMC | Cheap, but error-prone |
| Ownership & lock-in | Open-source code you control | Proprietary, locked | Fragmented, manual |
| New loan products | Configurable, no re-coding | Costly change requests | Yet another spreadsheet |
| GL reconciliation | Real-time, automatic | Often batch / siloed | Manual, never ties out |
| Time to value | Live in weeks | Long deployments | N/A |
| India compliance | TDS, GST on charges built in | Add-on / costly | Manual |
Prove the financial case on your own book: Call +91 62358 66111 or WhatsApp us.
Every overdue account that slips unflagged into NPA is interest income you may never recover — and a provisioning hit to your P&L. Every audit cycle spent rebuilding reports by hand is days your finance team isn't spending on growth. Every borrower kept waiting on a slow disbursal is a customer your faster competitor wins. A lending ERP turns these leaks off: proactive collections protect recovery, automated provisioning removes audit stress, and faster disbursal grows your book. Because there are no per-seat licences, most lenders reach a lower total cost of ownership and a faster payback than a proprietary suite. We scope to a fixed price, so you know the number before you commit.
What it costs to put in depends on how many loan products and branches you run, how you collect, and how many people need to be on it. The calculator on this page asks about exactly those, and gives you a figure before anyone calls you.
NBFCs, microfinance institutions, cooperative banks and credit societies, gold-loan and asset-backed lenders, digital lending and fintech platforms, and franchise-based lenders across India. If you originate, service and collect on a loan book of any size, this fits. See the workflows and pains we solve on our Finance & Lending industry page →
We build software for finance and fintech businesses where a wrong number is not an option — including fintech client BitSave (Casper Wealth Holdings), where we delivered reliable, audit-minded financial software. We also build audit-ready finance and procurement for defence-grade operations like BrahMos Aerospace (BATL). Among 200+ organisations we've served since 2011. See our finance & lending work →
Yes. Interest, penal charges and accruals post to the ledger automatically, and NPA ageing and provisioning are generated from live data — no manual spreadsheets, no quarter-end scramble.
Yes — interest types, repayment frequencies, charges, moratoriums and collateral rules are all configurable, and new products can be added without re-coding.
Yes. Agents log visits, collect payments and geo-tag interactions from the field, with everything syncing back to the borrower record in real time.
Yes — the Frappe framework exposes open APIs, so we integrate payment gateways, credit bureaus and banking systems through ERPNext customisation.
Yes — clean, validated data migration with opening balances, outstanding schedules and borrower masters is a defined step in every project.
ERPNext is open-source, so there are no per-user licence fees — the biggest hidden cost in proprietary lending software. Most lenders see 60–80% lower total cost of ownership.
That's our design goal. Process redesign, role-based simplicity, hands-on training and hypercare are built into every project, so adoption isn't left to chance.
Always — we move into long-term support and AMC, and can host and manage the system on secure cloud infrastructure.
It depends on how many loan products and branches you run, how you collect, and how many people need to be on it, which is why the figure on this page comes from a two-minute set of questions rather than a brochure. The estimate is a range; a quotation is a fixed price we sign after a short call about the detail.