Loan Management System

No-Code, AI-First, Cloud-Native LMS Platform

Transform your lending operations with India's most advanced Loan Management System. Built for modern lenders who demand speed, flexibility, and intelligence.

🎯 No-Code Configuration

Configure loan products, workflows, and rules without technical expertise. Empower your business teams to adapt quickly to market changes.

🤖 AI-First Approach

Leverage machine learning for credit decisioning, fraud detection, collection optimization, and predictive analytics.

☁️ Cloud-Native Architecture

Built on modern cloud infrastructure ensuring 99.9% uptime, automatic scaling, and enterprise-grade security.

Comprehensive Feature Set

Loan Origination & Onboarding

Digital Application Processing

  • Multi-channel application capture (Web, Mobile, API)
  • Smart form pre-filling with data validation
  • Real-time eligibility checking
  • Digital signature and e-KYC integration
  • Document upload and verification

Credit Decisioning Engine

  • AI-powered credit scoring models
  • Bureau integration (CIBIL, Experian, Equifax, CRIF)
  • Custom scorecard builder
  • Alternative data analytics
  • Automated approval workflows
  • Manual underwriting workbench

Document Management

  • Centralized document repository
  • OCR-based data extraction
  • Automated document classification
  • Version control and audit trail
  • Secure storage with encryption

Loan Servicing & Management

Account Management

  • Complete loan lifecycle tracking
  • EMI scheduling and calculations
  • Interest accrual and amortization
  • Prepayment and foreclosure handling
  • Loan restructuring and top-up
  • Co-lending and syndication support

Payment Processing

  • Multiple payment gateway integration
  • NACH/eNACH mandate management
  • Auto-debit scheduling
  • Payment reconciliation
  • Refund and reversal processing
  • Real-time payment tracking

Customer Portal

  • Self-service account dashboard
  • EMI payment and history
  • Statement download
  • Service request management
  • Document upload/download
  • NOC and certificate generation

Collections & Recovery

Smart Collections

  • AI-powered collection strategies
  • Automated reminder system (SMS, Email, WhatsApp)
  • Collection bucket management
  • Agent assignment and tracking
  • Payment promise tracking
  • Field visit management

Delinquency Management

  • Early warning indicators
  • DPD tracking and reporting
  • Provisioning calculations
  • Write-off processing
  • Legal case management
  • Settlement negotiation tools

Analytics & Reporting

Business Intelligence

  • Real-time dashboards and KPIs
  • Portfolio analytics and insights
  • Vintage analysis and cohort tracking
  • Approval and rejection analytics
  • Collections efficiency metrics
  • Custom report builder

Regulatory Compliance

  • RBI reporting (NPA, ALM, CRR/SLR)
  • GST and TDS calculations
  • Fair practices code compliance
  • Audit trail and logs
  • NBFC/Bank regulatory reports
  • Credit bureau reporting

Integration & API

Pre-Built Integrations

  • Credit bureaus (CIBIL, Experian, Equifax, CRIF)
  • Payment gateways (Razorpay, PayU, CCAvenue)
  • Banking APIs (ICICI, HDFC, Axis, NPCI)
  • KYC providers (DigiLocker, UIDAI)
  • Accounting systems (Tally, SAP, Oracle)
  • Communication (SMS, Email, WhatsApp)

API Infrastructure

  • RESTful API architecture
  • Comprehensive API documentation
  • Webhook support for events
  • API rate limiting and throttling
  • Developer sandbox environment
  • API key management

Security & Compliance

Enterprise Security

  • ISO 27001 certified infrastructure
  • Data encryption at rest and in transit
  • Role-based access control (RBAC)
  • Multi-factor authentication
  • IP whitelisting and VPN support
  • Regular security audits and pen testing

Data Privacy

  • GDPR and Indian data protection compliance
  • PII data masking
  • Data retention policies
  • Consent management
  • Right to be forgotten implementation
  • Data backup and disaster recovery

Implementation Roadmap

Single Sign-Up Process - Go Live in Days

Day 1

Sign-Up & Account Setup

  • Complete online registration
  • Entity verification and documentation
  • License and compliance check
  • Sandbox environment provisioning
  • Initial system access credentials
Duration: 2-4 hours
Day 2-3

Configuration & Customization

  • Loan product setup (interest rates, tenure, fees)
  • Workflow configuration (approval hierarchy)
  • Document checklist customization
  • Credit policy rules setup
  • User roles and permissions
  • Branding customization (logo, colors, themes)
  • Communication templates (SMS, Email)
Duration: 1-2 days
Day 3-4

Integration Setup

  • Payment gateway integration
  • Credit bureau connectivity
  • Banking API integration
  • KYC provider setup
  • SMS/Email gateway configuration
  • Accounting system integration (if needed)
  • API key generation and testing
Duration: 1-2 days
Day 4-5

Training & Testing

  • Team training sessions (online/offline)
  • User manual and documentation
  • Test loan processing end-to-end
  • UAT (User Acceptance Testing)
  • Performance and load testing
  • Security assessment
  • Feedback incorporation
Duration: 1-2 days
Day 5-7

Go-Live & Support

  • Production environment setup
  • Data migration (if applicable)
  • Final security checks
  • Go-live checklist verification
  • Production launch
  • 24/7 dedicated support for first week
  • Performance monitoring
Duration: 1-2 days

Implementation Highlights

Single Sign-Up

One simple registration process to get started. No complex paperwork or multiple vendor coordination.

Dedicated Support

Assigned implementation manager and technical team throughout the process.

Zero Downtime

Seamless migration from existing systems with no business disruption.

Phased Rollout

Option for gradual migration with parallel run support.

Ready to Get Started?

Sign up today and go live in 5-7 days

Request Demo

Best In-class Featuresimg

  • Easily create customized forms and applications
  • Track and monitor loan applications
  • Verify identities and documents
  • Provide a self-service portal for customers on both web and mobile platforms
  • Pre-built reporting and MIS capabilities
  • Designed with security and data privacy as a top priority
  • Configurable workflows to accommodate multiparty products
  • Credit risk assessment and modeling
  • Financial insights for underwriting and decision-making
  • Process enforcement and audit trails
  • Fully customizable to meet your business needs
Backed By
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Start your digital lending business in less than 5 minutes with Roopya product suite which includes origination, consent, pre approval, score card, underwriting and analytics.

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