A cloud LMS that books every loan, accrues interest correctly, collects EMIs through NACH and UPI AutoPay, tracks DPD and runs collections — with the reports your finance and risk teams need.
Loans arrive from your LOS or partner APIs with terms, charges and mandates attached; bulk upload for migrated books.
EMI, bullet, step-up, daily-interest and flexible schedules; reducing and flat rates; accurate accrual and day-count rules.
e-NACH presentation and bounce handling, UPI AutoPay, payment links and gateway collections, with automatic allocation.
Configurable late fees, bounce charges and penal charges, waivers with approval limits, and GST on fees.
Daily DPD and bucket movement, SMA and NPA tagging per IRAC norms, and provisioning reports.
Bucket-wise allocation, tele-calling queues, a field agent app with geo-tagged visits, PTP tracking and receipts.
Part-prepayment, foreclosure quotes, restructuring, top-ups, statement of account and NOC generation.
Double-entry postings for disbursal, accrual, collections and write-offs, exported to Tally, Zoho or your ERP.
Portfolio, collection efficiency and vintage dashboards, bureau (CIC) reporting files and regulator-ready MIS.
Borrower app and web portal for loan details, EMI schedule, payments, statements, foreclosure requests and NOC downloads, with SMS and WhatsApp reminders before every due date.
Use the LMS with the Appryze loan origination system, or connect it to the LOS, core banking or co-lending partner systems you already run through APIs.
We plan the data migration, run both systems in parallel, and reconcile before cut-over.
Book a free scoping callA loan management system services loans after disbursal: repayment schedules, interest accrual, EMI collection, charges, DPD and asset classification, collections, part-prepayment, foreclosure, NOC and accounting entries.
e-NACH presentation with bounce handling, UPI AutoPay, payment gateway links, and manual or branch receipts, with automatic allocation to charges, interest and principal.
Yes. DPD is computed daily, accounts move through SMA and NPA stages based on configurable IRAC-style rules, and provisioning and portfolio reports are generated for finance and risk teams.
Yes. Appryze maps and migrates loans from spreadsheets or a legacy LMS, runs both systems in parallel, and reconciles balances before cut-over.
Yes. Disbursal, accrual, collection and write-off entries are posted double-entry and exported to Tally, Zoho Books or your ERP.