We build NBFC software for small and mid-sized non-banking finance companies that want one dependable core lending system instead of several disconnected tools. It covers loan products, application, sanction, disbursement, repayment schedules, collections, overdue buckets, classification reports and the MIS your management and auditors ask for.
Many NBFCs run on software bought years ago, which is hard to change, depends on one vendor and cannot easily add a new product, a new report or a partner data feed. Staff then fall back on Excel for NPA classification, bureau files and board reports, and the numbers differ from one sheet to another. A modern core system keeps one version of the truth.
We design with RBI directions for NBFCs, the digital lending guidelines, the Fair Practices Code and the DPDP Act in mind: Key Fact Statements, maker-checker approvals, recorded consent and audit trails. We are a software company. Your licence, policies, provisioning rules and final sign-off remain the responsibility of your board, compliance team and advisers.
Registered NBFCs lending to individuals, MSMEs or vehicle and consumer buyers who need a core system they can configure and extend without waiting on a vendor.
Companies running on old desktop or locally installed packages that are slow, hard to report from or no longer supported, and who need a careful migration of live loans.
Lenders working with banks or other NBFCs that need clean loan-level data feeds, partner-wise reports and reconciliation between the two sides.
People who prepare board packs, NPA and provisioning working papers, bureau submissions and audit evidence, and want these reports from the system rather than from rebuilt spreadsheets.
Customer records, loan accounts, schedules, disbursement, repayment posting, interest accrual, charges, foreclosure and closure on one ledger, with every posting traceable to a user and a time.
Set up products with eligibility rules, limits, tenure, interest method, fees and documents. Launch a new product or change a rate by configuration, without waiting for a code change for each variation.
Generate the Key Fact Statement with APR and all charges before sign-off, along with the sanction letter and loan agreement, from templates. Borrowers can accept digitally and copies are stored against the loan.
Every sensitive action, such as sanction, disbursement, waiver, rate change or write-off, needs a second person to approve. Approval limits are set by role, and notes and reasons are kept on file.
Automatic day-past-due buckets, daily due and overdue lists, field collection with receipts, UPI and e-mandate collections, promise-to-pay records and reminders on WhatsApp or SMS.
Asset classification reports based on the days-past-due rules and your policy, with account-wise listings and movement between buckets. Your finance team confirms provisioning rules and applies them.
Credit bureau data files in the format your bureau membership requires, along with portfolio, disbursement, collection efficiency, ageing and board MIS reports ready to export for your auditors and advisers.
Complete logs of who viewed or changed what, role-based access to borrower data, and loan-level data feeds for co-lending partners with reconciliation of amounts on both sides.
We go through each loan product, its interest method and fees, along with the regulatory reports, bureau files and board MIS you produce today.
We list the regulatory touchpoints you have identified, such as KFS, consent, data storage and classification rules, and design screens, logs and data flows around them.
We build in short cycles and test schedules, interest, charges and DPD calculations against your existing system and sheets until every figure matches.
Customers, open loans, schedules, receipts and balances are migrated and reconciled loan by loan, and both systems run in parallel for one cycle before cut-over.
We complete a security review, train head office and branch staff, go live and then support you under an annual plan as products and rules change.
A core lending system for a small NBFC takes around 2–3 months. An NBFC system with collections and approvals usually takes 3–5 months, and a full NBFC platform 5–8 months, including testing and data migration.
₹87,500–2.15 lakh (≈ $1,400–3,200)
Customer and loan records, products, schedules, receipts, overdue tracking, DPD buckets and core reports for a small NBFC or finance company.
₹2.15–4.5 lakh (≈ $3,200–6,800)
Origination with KYC and bureau checks, KFS, maker-checker approvals, UPI and e-mandate collections, an Android collection app and NPA and MIS reports.
₹4.5–11 lakh (≈ $6,800–15,800)
Borrower-facing app, rule-based credit decisions, co-lending data feeds, bureau files, regulatory MIS and detailed audit logging.
Indicative budgets based on typical projects. Your fixed-price quote depends on scope, integrations and timeline.
We build fintech and accounting software, so interest, ledgers, aging and reconciliation get the care they need rather than being treated as simple form screens.
Source code and data belong to you, hosted on your own cloud account if you prefer, so you are not locked in to one vendor and can answer auditors on where data sits.
Moving from ageing software is the riskiest step, so we reconcile loan by loan and run parallel for a cycle before the old system is retired.
You work directly with the developers from our India-based team, and we stay on after launch to adapt the system as RBI directions and your products change.
A core lending system for a small NBFC typically costs ₹87,500–2.15 lakh. An NBFC system with origination, maker-checker approvals, e-mandate collections and a field collection app is usually ₹2.15–4.5 lakh. A full NBFC platform with a borrower app, co-lending feeds and detailed compliance logging can cost ₹4.5–10.5 lakh. Third-party charges such as eKYC, bureau and messaging fees are billed separately by those providers.
Yes. We migrate customers, open loans, schedules, receipts and balances from your current system or spreadsheets and reconcile every loan before cut-over. We usually run both systems in parallel for one collection cycle so you can confirm that principal, interest and overdue match your old records.
Yes. The Key Fact Statement with APR and all charges is generated from templates before sign-off, and sensitive actions such as sanction, disbursement, waiver and write-off need a second person to approve. Approval limits are set by role, and every approval is logged.
Yes. It classifies accounts into day-past-due buckets and produces NPA classification listings based on your policy, and it generates credit bureau data files in the format your bureau membership requires. Provisioning rules and bureau submissions remain with your finance and compliance teams, who should review the outputs before use.
We can build loan-level data feeds and partner-wise reports for co-lending, with reconciliation of disbursements and collections on both sides. The commercial and regulatory terms of the arrangement are between you and your partner. We configure the data flows to match what the agreement requires.
We design the software with RBI directions for NBFCs, the digital lending guidelines and the Fair Practices Code in mind, including the Key Fact Statement, consent capture, audit trails and clear charge disclosure. Compliance also depends on your policies, licences and processes, so your compliance officer and advisers should review the system before launch.
Yes. An Android app lets collection agents see due lists, record cash and UPI collections and issue receipts, with WhatsApp or SMS reminders sent to borrowers. A borrower app or web portal for schedules, payments and statements can be added if it is in your scope.
No. We are a software company. Licences, registrations and regulatory approvals are your responsibility. We build and maintain the technology and can integrate with the systems of the partners you choose. We are happy to work alongside your legal and compliance advisers during design.
Origination, EMI schedules, field collections and overdue tracking for NBFCs, MFIs, societies and gold-loan lenders.
Aadhaar eKYC via licensed partners, DigiLocker, PAN, CKYC, Video KYC, penny drop, face match and OCR in one onboarding flow.
Payment gateway and UPI integration, lending systems, wallets, eKYC and fintech MVPs built with audit-ready foundations.
Order updates, payment reminders, catalogues and team inboxes on the official WhatsApp Business API, connected to your CRM, ERP or store.
We work with clients in India, United States, United Kingdom, Australia, Canada, Europe and New Zealand.
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