Loan Management System (LMS) & Co-Lending Platform for Banks, NBFCs, MFIs and Fintechs

Our cloud-based platform helps lenders reduce operational costs, improve borrower experiences, accelerate collections, and maintain regulatory compliance.

Why Modern Lenders Need an Advanced Loan Management System

As lending portfolios expand, manual processes become unsustainable. Lenders need a centralized platform capable of managing thousands of borrowers, multiple loan products, repayment schedules, and partner institutions.

A robust Loan Management System enables:

• Automated loan servicing
• Digital collections management
• Real-time portfolio monitoring
• Co-lending operations management
• Automated borrower communication
• Compliance reporting
• Risk monitoring and analytics
• Financial reconciliation

Roopya’s LMS helps organizations eliminate spreadsheets and fragmented systems by providing a single source of truth for all lending operations.

Automated Escrow Management System for Bank NBFC Co Lending

Co-lending partnerships between banks and NBFCs are becoming increasingly popular as financial institutions seek to expand credit access while managing risk efficiently.

Managing escrow accounts manually can create delays, reconciliation issues, and compliance risks. Roopya provides an automated escrow management system for bank NBFC co lending that streamlines fund flows, disbursement allocation, repayment tracking, and settlement management.

Key Features

• Automated escrow account monitoring
• Real-time fund allocation
• Partner-wise repayment distribution
• Automated settlement calculations
• Regulatory audit trails
• Escrow reconciliation automation
• Co-lending partner reporting

By automating escrow workflows, lenders can improve transparency and reduce operational risk while ensuring seamless collaboration between participating institutions.

Cloud Based Loan Management System for Structured Microfinance

Microfinance institutions require specialized tools capable of handling unique borrower segments, group lending models, recurring collections, and field operations.

Roopya offers a cloud based loan management system for structured microfinance designed to support:

• Individual loans
• Group loans
• Joint liability groups
• Rural lending programs
• Agricultural finance
• Women entrepreneurship financing

Benefits for MFIs

• Centralized borrower records
• Mobile-first collections support
• Digital repayment tracking
• Automated accounting integration
• Portfolio quality monitoring
• Real-time field officer reporting

The cloud-native architecture enables lenders to scale operations across multiple locations without infrastructure limitations.

Real Time Amortization Schedule Generator API for Fintechs

Fintech lenders require flexibility and speed when designing lending products. Loan schedules must be generated instantly while accommodating varying interest structures, repayment frequencies, and borrower requirements.

Roopya provides a real time amortization schedule generator API for fintechs that allows lending platforms to generate accurate repayment schedules instantly.

API Capabilities

• EMI schedule generation
• Flat interest calculations
• Reducing balance calculations
• Variable repayment frequencies
• Moratorium support
• Partial payment adjustments
• Prepayment recalculations
• Dynamic interest structures

This API helps fintech companies accelerate loan origination and improve customer transparency.

eNACH Mandate Automation Workflows for Retail Lending Software

Collections are the backbone of every lending operation. Manual mandate management often leads to delayed collections and increased default risk.

Roopya provides advanced eNACH mandate automation workflows for retail lending software, enabling lenders to automate borrower repayment authorization and collection processes.

Workflow Automation Features

• Digital mandate creation
• Instant borrower onboarding
• eNACH registration
• Automated mandate tracking
• Collection success monitoring
• Retry management
• Mandate status reporting
• Collection analytics

Automated eNACH workflows significantly improve collection efficiency while reducing operational overhead.

Multi Asset Loan Servicing Software with Auto Reconciliation

Modern lenders manage multiple asset classes including:

• Personal Loans
• Business Loans
• Gold Loans
• Vehicle Loans
• Education Loans
• Microfinance Loans
• Consumer Durable Financing

Roopya provides multi asset loan servicing software with auto reconciliation capabilities to support diverse lending portfolios.

Reconciliation Features

• Bank statement matching
• Payment gateway reconciliation
• Escrow reconciliation
• Collection reconciliation
• Automated exception handling
• Real-time ledger updates
• Financial reporting

By eliminating manual reconciliation efforts, lenders improve financial accuracy and reduce operational costs.

End-to-End Loan Lifecycle Management

Roopya supports every stage of the lending lifecycle:

Loan Origination

• Digital onboarding
• KYC verification
• Credit assessment
• Loan approval workflows

Loan Disbursement

• Automated disbursement processing
• Escrow management
• Partner allocation

Loan Servicing

• EMI management
• Collections automation
• Payment tracking

Loan Closure

• NOC generation
• Settlement processing
• Portfolio reporting

Co-Lending Management Capabilities

The platform is purpose-built to support complex co-lending arrangements.

Co-Lending Features

• Partner onboarding
• Fund allocation management
• Revenue sharing
• Risk sharing calculations
• Portfolio segregation
• Regulatory reporting
• Settlement management

Advanced Analytics and Reporting

Roopya provides comprehensive dashboards for:

• Portfolio performance
• Collection efficiency
• Delinquency monitoring
• Co-lending profitability
• Escrow balances
• Asset-wise performance

Real-time visibility enables faster decision-making and proactive risk management.

Security and Compliance

The platform follows enterprise-grade security standards and supports regulatory compliance requirements.

Security Features

• Role-based access control
• Data encryption
• Audit logs
• API security
• Backup and disaster recovery

Why Choose Roopya?

Roopya combines powerful automation, scalability, and compliance-ready architecture to help financial institutions modernize lending operations.

Key Advantages

• Cloud-native infrastructure
• Co-lending ready platform
• Automated escrow management
• eNACH workflow automation
• Real-time amortization APIs
• Multi-asset servicing support
• Auto reconciliation engine
• Enterprise-grade security

Request a Demo

Discover how Roopya’s Loan Management System and Co-Lending Platform can streamline operations, improve collections, reduce costs, and accelerate growth for Banks, NBFCs, MFIs, and Fintech lenders.

Request a personalized demo today.