A full-spectrum financial operating system powering MFIs, NBFCs, and SHG federations. Engineered with multi-frequency loan amortization (Daily, Weekly, Bi-Weekly, Monthly), term deposits (DRD, RD, FD, MIS), Passbook dot-matrix printing, credit scoring, and self-balancing double-entry accounting.
Every single operational requirement engineered with mathematical precision, regulatory compliance, and multi-user RBAC security.
Disburse loans with Daily, Weekly, Bi-Weekly, and Monthly schedules. Supports both Flat Rate and Reducing Balance Amortization with automatic overdue penalty tracking.
Doorstep Daily Pigmy (DRD), Monthly Recurring (RD), Fixed Deposits (FD), and Monthly Income Scheme (MIS) with compounding calculations and certificate printing.
Thrift savings with daily balance interest accrual. Integrated with a Passbook Printing Terminal supporting dot-matrix and thermal alignment with starting line tracking.
Dynamic scoring engine (300-900) based on repayment timeliness, savings activity, and loan history. Instantly pre-approves eligible customers for virtual Credit Cards.
Strict balanced bookkeeping engine. Every disbursement, collection, interest credit, or fee automatically creates balanced Debit and Credit vouchers in real-time.
5-tier role access (Superadmin, Admin, Manager, Officer, Agent) with module permissions. Configurable prefix and auto-increment serial rules for accounts, loans, and vouchers.
| Plan Name & Code | Frequency | Interest Rate | Amount Range | Action |
|---|---|---|---|---|
|
Micro Daily Recovery Loan
LP-DAILY-FLAT
|
daily | 18.00% Flat | ₹ 5,000 - 50,000 | |
|
Agri Weekly Business Loan
LP-WEEKLY-RED
|
weekly | 16.00% Reducing | ₹ 10,000 - 150,000 | |
|
SME Bi-Weekly Growth Loan
LP-BIWEEKLY-RED
|
bi_weekly | 15.00% Reducing | ₹ 25,000 - 300,000 | |
|
Personal Monthly Amortized Loan
LP-MONTHLY-RED
|
monthly | 14.00% Reducing | ₹ 20,000 - 500,000 |
| Scheme & Type | Compounding | Interest Rate | Tenure | Action |
|---|---|---|---|---|
|
Daily Micro Pigmy Deposit (DRD)
DRD
DP-DRD-365
|
monthly | 7.50% Compounding | 12 Months | |
|
Standard Recurring Deposit (RD)
RD
DP-RD-12M
|
quarterly | 8.00% Compounding | 12 Months | |
|
Cumulative Fixed Deposit 1-Year (FD)
FD
DP-FD-1YR
|
quarterly | 9.25% Compounding | 12 Months | |
|
Monthly Income Scheme 3-Year (MIS)
MIS
DP-MIS-3YR
|
monthly | 9.00% Flat | 36 Months |
Test real-world amortization schedules, interest accruals, and maturity payouts for loans, fixed deposits, and recurring schemes.
Password@123):
superadmin
admin
manager
officer
agent