The complete operating system for regulated lenders.
Every stack a lender needs — marketing to collections to the general ledger to the RBI return — in one multi-entity, multi-branch, multi-product system. Replace the patchwork of LOS, LMS, collection tool, Tally and Excel with one platform that reconciles by construction.
- 8/8
- Module stacks included
- Multi
- Entity · branch · product
- GL
- Dimensional accounting
- RBI
- IRAC · NPA · reporting
All eight stacks, wired together
Data flows in one direction: entered once at origination, carried through servicing and collections, posted to the GL, reported to the regulator.
Origination
File login, CAM, verification, FI-PD, underwriting and rule-engine-driven decisioning through to disbursement.
ExploreLoan Management
Repayment schedules, appropriation, collateral, NPA & DPD automation, FLDG and co-lending settlement.
ExploreCollections & Recovery
Digital, tele and field collection channels escalating into legal and recovery workflows.
ExploreFinance & Accounting
Dimensional GL with branch, product and channel P&L; GST, TDS and the NBFC compliance suite.
ExploreSales & Channels
Field, tele, branch, DSA and BC channels with territory targets and incentive automation.
ExploreMarketing
Campaigns and lead attribution connected to the same pipeline your branches work.
ExploreHR & Payroll
Team master, leave and statutory payroll for field-heavy lending organisations.
ExploreAnalytics & Reports
MD and branch dashboards, sales MIS, NPA analytics and bureau reporting.
ExploreBuilt for how NBFCs are actually examined
Lender OS treats compliance as an output of clean operations, not a quarterly scramble.
- IRAC-aligned asset classification with automated DPD buckets, NPA marking and provisioning entries
- Income recognition control on NPA accounts — interest suspended, tracked and reversed per RBI norms
- Penal charges handled as charges, not capitalised interest, per the RBI 2024 circular
- Loan subledger reconciles to the GL by design — every servicing event posts double-entry
- Regulatory reporting suite on the roadmap: DNBS returns, ALM statements and ECL computation from the same books
One tenant, your whole institution
Entities, branches, products, channels and roles modelled the way your org chart and RBI registration actually look — with maker-checker controls where they matter.
Run your book on one system of record.
We'll configure a working Lender OS demo on your products and hierarchy.