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CORE PRODUCT

Loan Management System

From disbursement to closure — fully automated

LendSystem's LMS is the digital bridge connecting your core lending software to every external service — automating the entire loan lifecycle from first disbursement to final repayment with real-time dashboards, smart collections, and zero manual intervention.

FULLY AUTOMATED
Real-Time LOAN TRACKING
Auto EMI COLLECTION
360° BORROWER VIEW
Zero MANUAL LEDGER
How It Works
LMS Lifecycle in 5 Steps
A fully automated loan management journey — from disbursal to closure — with zero paperwork and zero delays.
1

Loan Disbursal

Instant fund transfer via IMPS/UPI/NEFT post-sanction, with auto-ledger entry and borrower notification.

2

EMI Scheduling

Automated repayment schedule generation with flexible tenure, interest type, and moratorium support.

3

EMI Collection

NACH/e-mandate auto-debit, UPI Autopay, and payment gateway integrations for seamless collections.

4

Delinquency Management

Smart NPA detection, automated dunning workflows, and escalation triggers with configurable DPD rules.

5

Loan Closure

Auto-NOC generation, final settlement processing, lien removal, and closure confirmation to bureaus.

Key Features
What Powers Our LMS
Every capability your team needs — from EMI tracking to regulatory reporting — in one unified, plug-and-play platform.

Real-Time Loan Dashboard

Live portfolio view with loan-wise outstanding, DPD buckets, collection efficiency, and PAR metrics — all in one screen.

Automated EMI Collection

NACH/ENACH, UPI Autopay, and payment gateway integrations handle collections automatically — no manual follow-up needed.

Smart Dunning Engine

Configurable DPD-based SMS, WhatsApp, IVR, and email reminders. Escalation workflows triggered automatically on overdue loans.

Regulatory & MIS Reporting

Auto-generated bureau reporting (CIBIL, Experian), RBI returns, and customisable MIS dashboards for management and auditors.

Platform Modules
A Complete LMS Ecosystem
Whether you are an NBFC, bank, or fintech — our LMS adapts, scales, and performs across any loan product and volume.

Loan Ledger Module

Accurate, real-time ledger for every loan account — interest accrual, prepayments, and adjustments auto-posted.

Disbursement Module

Seamless fund release via IMPS/NEFT/UPI with bank integration, maker-checker controls, and audit trail.

Collection Module

Automated NACH, UPI Autopay, payment gateway, and manual collection workflows for every repayment channel.

NPA & Recovery Module

Automated NPA classification, provision calculation, legal trigger workflows, and recovery tracking.

Reporting & Compliance

Bureau uploads, RBI regulatory returns, income recognition, and configurable MIS reports on demand.

Integration Hub

Pre-built connectors for payment gateways, bureau APIs, accounting systems, and core banking platforms.

Live Insights
LMS Performance Dashboard
Real-time analytics across your entire loan portfolio — collections, EMI health, NPA tracking, and disbursement trends.
Portfolio AUM
₹ 284 Cr
↑ 22% this quarter
Collection Efficiency
94.2%
↑ 1.8% vs last
NPA Rate
2.6%
↓ 0.4% improved
Disbursal TAT
Same Day
100% on-time
Monthly EMI Collection (₹ Cr) LIVE
Loan Product Mix
Personal — 38%
Home — 30%
MSME — 21%
Vehicle — 11%
DPD Bucket Breakdown
Current (0)
100%
1–30 DPD
8%
31–60 DPD
4%
61–90 DPD
2%
90+ DPD (NPA)
1%
Collection Channels
NACH Auto-Debit 68%
UPI Autopay 18%
Payment Gateway 9%
Manual / Cash 5%
Weekly Collection Trend
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Automate Your Loan Portfolio Today

Join leading NBFCs, banks, and fintechs managing millions of loan accounts with LendSystem LMS.