Lend faster, decide smarter, recover more
A single platform for your entire lending business — digital onboarding and eKYC, credit scoring and underwriting, disbursement, EMI schedules, collections and regulatory reporting — all connected on one auditable ledger.
Rohan Mehta
App #LN-40928 · Personal · SalariedWhat is loan management software?
Loan management software runs the whole lending lifecycle — application, eKYC, credit scoring, underwriting, sanction, disbursement, EMI servicing, collections, accounting and regulatory reporting — on one auditable ledger. TechKhedut's LOS/LMS supports personal, home, vehicle, SME, gold, education, microfinance and BNPL loans.
From application to last EMI — on one ledger
Every stage of the loan is captured on the same record, so nothing falls through the cracks between sales, credit, operations and collections.
Application
Digital lead & loan application with document upload.
KYC & Verification
eKYC, PAN/Aadhaar & income document checks.
Underwriting
Bureau pull, credit scoring & rule-based decisioning.
Approval & Sanction
Sanction letter, terms & e-agreement signing.
Disbursement
Instant payout to the borrower's bank account.
Repayment
Auto EMI schedules, e-mandate & receipts.
Closure
Foreclosure, NOC & account settlement.
Configure any loan product you offer
Define interest methods, tenures, charges, eligibility and repayment rules per product — retail, secured, business or group lending, all on the same engine.
Personal Loans
Unsecured retail loans with flexible tenures and reducing-balance interest.
Home Loans & LAP
Housing finance and loan-against-property with collateral tracking.
Vehicle Loans
Auto & two-wheeler finance with hypothecation and asset details.
Business / SME Loans
Working-capital and term loans for MSMEs with cash-flow assessment.
Gold Loans
Collateral valuation, purity, LTV limits and safe-custody records.
Education Loans
Moratorium periods, co-applicants and disbursement tranches.
Microfinance / Group
JLG/SHG group loans, center meetings and collection sheets.
BNPL & Co-lending
Buy-now-pay-later lines and partner co-lending with split economics.
Approve good borrowers in minutes, not days
Pull credit bureau reports, apply your own scoring model and let a configurable rules engine auto-approve, refer or reject — consistently, and with a full audit trail behind every decision.
Credit bureau & alternate data
Integrate CIBIL / Experian / bureau pulls plus bank-statement and alternate-data signals for a complete risk picture.
Configurable rules engine
Set eligibility, FOIR/DBR limits, exposure caps and scorecards — and change them without code as your policy evolves.
Four-eyes & audit trail
Maker-checker approvals, deviation logs and a tamper-evident record of who decided what and when.
Applicant credit assessment
Auto-approveEvery EMI, split and posted automatically
Generate amortization schedules the moment a loan is disbursed — each instalment splits into principal and interest, posts to the general ledger and updates the outstanding balance in real time.
| # | Due date | EMI | Principal | Interest | Balance |
|---|---|---|---|---|---|
| 01 | 05 Aug 2025 | ₹20,822 | ₹13,155 | ₹7,667 | ₹7,86,845 |
| 02 | 05 Sep 2025 | ₹20,822 | ₹13,281 | ₹7,541 | ₹7,73,564 |
| 03 | 05 Oct 2025 | ₹20,822 | ₹13,408 | ₹7,414 | ₹7,60,156 |
| 04 | 05 Nov 2025 | ₹20,822 | ₹13,537 | ₹7,285 | ₹7,46,619 |
| • • • | |||||
| 48 | 05 Jul 2029 | ₹20,822 | ₹20,624 | ₹198 | ₹0 |
A complete Loan Management System
Fourteen tightly integrated modules cover origination (LOS), servicing (LMS), collections and compliance — configurable to your products and policies.
Loan Origination (LOS)
Lead capture, application forms, document collection and stage-wise workflow to sanction.
eKYC & Onboarding
PAN, Aadhaar, video-KYC and document verification with AML/PEP screening.
Credit Bureau & Scoring
Bureau pulls, custom scorecards and alternate-data models for risk-based pricing.
Underwriting Rules Engine
Configurable eligibility, FOIR/DBR checks and auto-decisioning with maker-checker.
Sanction & e-Agreement
Sanction letters, offer terms, e-sign and e-mandate (NACH) setup.
Disbursement
Full or tranche payouts, bank integration and disbursement memos.
EMI & Amortization
Auto schedules, flat/reducing methods, part-payment and foreclosure handling.
Collections & Recovery
Due buckets, reminders, field-collection app, PTP tracking and receipts.
DPD & NPA Tracking
Days-past-due ageing, provisioning, write-offs and delinquency dashboards.
Co-lending & Securitization
Partner share, split disbursement/collection and pool management.
Accounting & GL
Interest accrual, charges, GST/TDS and auto-posting to the general ledger.
Borrower Portal & App
Statements, EMI payments, e-mandate, top-ups and support in self-service.
Notifications & Recovery Comms
SMS, email, WhatsApp and IVR nudges across the loan lifecycle.
Reports & Compliance
Portfolio, NPA, RBI/regulatory returns and audit-ready reporting.
Built for how borrowers & regulators expect you to lend
Digital-first borrowers, thinner margins and tighter regulation are reshaping lending. These are the capabilities defining competitive lenders today — and they are built in.
Digital Onboarding & eKYC
Paperless applications, video-KYC and instant verification for approvals in minutes, not days.
VIDEO-KYC · NACHData-driven Credit Decisions
Bureau scores plus alternate data and analytics for accurate, risk-based pricing and lower defaults.
SCORECARDS · ALT-DATAConfigurable Products
Launch new loan products, rates and rules without code to react fast to the market.
NO-CODE PRODUCTSRegulatory Compliance
KYC/AML, fair-practices code, data protection and RBI/NBFC-ready reporting built in.
RBI · KYC/AML · GDPRAutomated Collections
Smart reminders, e-mandate presentation, DPD buckets and field-recovery workflows.
DPD · PTP · E-MANDATECo-lending & Open APIs
Partner with banks/NBFCs and connect fintech rails via secure, open APIs.
CO-LENDING · APIOne platform for every kind of lender
A lending platform that grows with your book
One Connected System
Origination, servicing, collections, accounting and compliance on a single Odoo database — no disjointed spreadsheets or point tools.
Secure & Compliant
Role-based access, encryption, complete audit trails and KYC/AML controls aligned to RBI and data-protection norms.
Configurable to Your Products
Adapt loan products, interest methods, charges, workflows and reports to your lending model — without heavy customization.
Onboarding & Support
Data migration, integrations, staff training and ongoing support so you go live with confidence.
"Our loan approvals dropped from three days to under an hour. Origination, disbursement and collections finally read from the same ledger — and our RBI reporting is effortless now."
Trusted by lenders & credit teams
"The rules engine gave us consistent, auditable credit decisions. Approval times fell dramatically and our deviation cases are finally under control."
S. Nair
Head of Credit"Collections improved the most. DPD buckets, auto-reminders and the field-recovery app cut our early delinquencies noticeably within a quarter."
R. Patel
Collections Manager"Borrowers pay EMIs and download statements from the app themselves. Fewer calls to the branch, and interest accrual posts to the GL automatically."
M. Khan
Operations HeadFrequently asked questions
Answers to common questions about our loan management software.
It is an end-to-end Loan Origination (LOS) and Loan Management System (LMS) that digitizes the entire lending lifecycle — application, eKYC, credit scoring, underwriting, sanction, disbursement, EMI servicing, collections, accounting and regulatory reporting — on one secure, auditable platform.
It handles personal, home, loan-against-property, vehicle, gold, education, business/SME, microfinance/group and BNPL products on the same engine. It suits NBFCs, banks, co-operatives, microfinance institutions, housing finance companies, gold-loan companies and digital/fintech lenders.
Yes. Through standard APIs it connects to credit bureaus (such as CIBIL/Experian), PAN/Aadhaar and video-KYC providers, bank-statement analysis, payment gateways and e-mandate (NACH) rails, so verification and decisioning happen inside one workflow.
You configure eligibility rules, scorecards, FOIR/DBR limits and exposure caps. On each application the system pulls the bureau report, scores the borrower and automatically approves, refers or rejects — with maker-checker approvals and a full audit trail for every deviation.
Yes. On disbursement it auto-generates the amortization schedule (flat or reducing balance), splits each EMI into principal and interest, handles part-payments and foreclosure, accrues interest and charges, and posts entries straight to the general ledger with GST/TDS handling.
It tracks days-past-due ageing, groups accounts into collection buckets, automates SMS/email/WhatsApp reminders and e-mandate presentation, supports a field-collection app with promise-to-pay tracking, and manages provisioning, write-offs and NPA/delinquency dashboards.
Data is protected with encryption, granular role-based access, multi-factor authentication and complete audit trails. The platform supports KYC/AML controls, fair-practices requirements, data-protection norms and RBI/NBFC-oriented regulatory reporting, with cloud or on-premise deployment.
Depending on your products, integrations and portfolio size, most lenders go live within 6 to 12 weeks. Our team handles configuration, data migration from your existing system, bureau/KYC/payment integrations, staff training and post-go-live support.
Digitize your lending, end to end
Tell us about your loan products and portfolio, and our team will show you the platform in action.
- Free personalized product walkthrough
- Guidance on the right setup for your loan book
- No obligation, no pressure