The loan account, kept exactly right.
Schedules, balances, accruals and statements for every account on the book — the record every other module, every customer query and every audit ultimately points at.
What it does
Schedule engine
EMI, structured, bullet and step-up schedules generated per product maths, regenerated correctly on change.
Interest accrual
Daily accrual per product method, posted through EOD, reconciled to the GL.
Balance integrity
Principal, interest, charges and advance components tracked separately — no mystery balances.
Statements & certificates
SOA, repayment schedules and interest certificates on demand, self-served through portals.
Charges & penal
Charge application per policy, with penal charges as charges — never capitalised — per RBI norms.
Lifecycle states
Active, closed, written-off and restructured states with the transitions governed.
See it on your own book.
A working demo on your products, your hierarchy and your workflows — not a slide deck.