NBFC Core Lending Platform
The NBFC manages its loan portfolio in Excel — NPA classification is done quarterly by the CFO by hand, regulatory returns are filed from manually compiled data, and investors cannot get a current portfolio snapshot without a 3-day turnaround.
CAPABILITIES // WHAT GETS BUILT
What this system delivers for your team
Complete loan origination with KYC, credit scoring, field verification, and configurable approval workflow
Credit bureau integration (CIBIL / Experian / CRIF) at origination and periodic portfolio monitoring
Disbursement module linked to NACH mandate setup and EMI schedule generation — every loan's cash flow projection visible from day one
Collection management with agent visit scheduling, digital receipt, and repayment matching against EMI schedule
Automated NPA classification per RBI guidelines (90 DPD) with stage-wise provisioning calculation run overnight
Portfolio analytics — DPD bucket analysis, PAR30/PAR60/PAR90, collection efficiency, and vintage analysis by disbursement cohort
Regulatory report pack — RBI quarterly returns, CERSAI integration, MCA filings — auto-populated from portfolio data
Every build is scoped to your organisation's workflow — features and modules may vary.
PROCESS // HOW I WORK
From scoping call to live system
Scoping Call
A 30–60 min free call to understand your workflow, team structure, and exact requirements. No commitment — just alignment.
Custom Build
I build the system to your specifications with weekly updates. All work is tracked — you see progress before final delivery.
Delivery & Handoff
Deployed to your infrastructure, your team trained, documentation handed over. Optional AMC for ongoing support.
FIT // WHO THIS IS FOR
Who this system is for
MD / CEO / CFO of an NBFC
Registered NBFC, MFI, or urban co-operative bank disbursing ₹1 crore to ₹100 crore per month with a portfolio managed in Excel or a basic loan management tool that cannot generate RBI-compliant reports, lacks real-time NPA visibility, or cannot give investors a current portfolio snapshot
NPA classification is done manually by the CFO at quarter end by running formulas in Excel across 10,000 rows — any error is a regulatory risk and the result is always 2 to 3 weeks late
- —NPA classification is done manually by the CFO at quarter end by running formulas in Excel across 10,000 rows — any error is a regulatory risk and the result is always 2 to 3 weeks late
- —Investors ask for a portfolio snapshot — PAR buckets, disbursement by product, collection efficiency — and the team takes 3 to 5 days to compile it from multiple Excel files, by which time the data is already a week stale
- —The RBI quarterly return requires data that lives in 4 different Excel files maintained by different teams — compiling and cross-checking takes the compliance officer a full week every quarter
BEFORE
Loan portfolio is managed in Excel. NPA is classified quarterly by the CFO. Collection agents submit paper receipts that are entered in the system the next day. Investor reports are compiled manually. Regulatory filings are prepared from multiple Excel sources over 5 to 7 days.
WITH THIS SYSTEM
Every loan, payment, and collection event is in the platform in real time. NPA classification runs automatically every night per RBI guidelines. The portfolio analytics dashboard shows PAR buckets, collection efficiency, and vintage analysis live — investors get a dashboard link, not a PDF. Regulatory returns are populated from portfolio data and need review, not compilation.
KEY OUTCOME
NPA classification effort: 3–5 CFO days per quarter → automated overnight. Investor reporting TAT: 3–5 days → real-time dashboard. Regulatory return preparation: 5–7 days → 1 review day.
BUILD // WHAT I DELIVER
What gets built for you
PROCESS // HOW IT WORKS
Every build starts with a scoping call. I understand your workflow, adapt the system to your team, and deliver a detailed price estimate before any work begins.
Ready to scope NBFC Core Lending Platform?
Book a free scoping call. I'll map your workflow, align the build to your team, and provide a detailed price estimate based on your requirements.
WORKS WELL WITH
These systems are commonly scoped together or phased into a connected build. Let me know during the scoping call if you're considering a multi-system setup — I'll structure the engagement accordingly.