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Product Solution • LMS

Enterprise Loan Management & Servicing Infrastructure

Scale loan servicing, multi-rail disbursements, dynamic amortization ledgers, smart collections, and delinquency tracking with a modern cloud-native core.

Schedule LMS Demo Explore Disbursal APIs
100% Real-Time Ledger Reconciliation
99.4% First-Attempt Mandate Debit
10M+ Active Loans Supported
Unified Ledger Architecture

Built for Modern Credit Portfolios

Whether managing unsecured consumer micro-loans, commercial factoring, secured vehicle loans, or revolving lines of credit, TechMave LMS guarantees double-entry precision and continuous compliance.

• Multi-Product Flexibility: Define custom loan products with configurable tenures, interest types (reducing, flat, hybrid), grace periods, and compounding rules.
• Automated Multi-Rail Payouts: Instant disbursal via IMPS, NEFT, RTGS, and UPI directly to borrower accounts with webhook confirmations.
• Automated Collections & Mandates: Smart debit retries across eNACH, UPI AutoPay, and virtual accounts to minimize bounces.
LOAN ACCOUNT OVERVIEW Active • Regular
Sanctioned Principal: ₹2,50,000
Outstanding Balance: ₹1,68,410
Next EMI Due Date: 05 Oct 2026 (₹8,450)
eNACH Active Auto-Debit On DPD: 0
Servicing Stages

The Complete Loan Lifecycle Architecture

Automate every operational event from instant funds transfer to loan pre-closure or structured settlement.

1

Multi-Rail Disbursal

Direct automated disbursement via banking APIs with real-time beneficiary name match and penny-drop validation.

IMPS / NEFT Bank API
2

Amortization Engine

Dynamic interest calculation (reducing balance, flat, daily compounding), moratorium tracking, and repayment schedules.

Daily Accrual Floating Rates
3

Smart EMI Debits

Auto-trigger presentation files to NPCI via sponsor banks. Intelligent retry windows to optimize success on salary dates.

eNACH / NACH UPI AutoPay
4

Automated Dunning

Pre-due SMS & WhatsApp reminders, bounce alerts, payment link generators, and auto-escalation queues.

WhatsApp API Dynamic Pay Links
5

Delinquency & DPD

Bucket tracking (1-30, 31-60, 61-90+ DPD), late fee calculation, field recovery assignments, and tele-calling queues.

DPD Buckets Recovery Workflows
6

Closure & NOC

Automated principal closure calculation, digital No Objection Certificate (NOC) generation, and bureau reporting.

Instant NOC Bureau Sync
Enterprise Features

Engineered for Reliability & Regulatory Compliance

Everything required to administer modern credit operations with audit-grade transparency.

General Ledger (GL) Accounting

Double-entry bookkeeping engine with automated daily balancing, fee accruals, interest provisioning, and ERP export.

Omnichannel Notifications

Automated payment receipts, debit failure alerts, statement downloads, and tax certificates via SMS, Email, and WhatsApp.

Portfolio Surveillance

Real-time NPA classification, collection recovery rate analysis, vintage cohort tracking, and risk provisioning reports.

Connected Ecosystem

Explore the Complete LendingOS Platform

Each product functions seamlessly as a standalone microservice or deeply integrates across your end-to-end credit lifecycle.

Origination

Loan Origination Loan Origination System

Instant credit underwriting & paperless onboarding

Explore Loan Origination
Servicing Current Solution

Loan Management Loan Management System

Multi-rail accounting, repayments & collections

Active Page
Decisioning

Business Rules Engine Business Rules Engine

Zero-code policy automation & real-time credit scoring

Explore Business Rules Engine
Intelligence

Credit Risk Credit Risk & Intelligence

Multi-bureau fraud signals & portfolio surveillance

Explore Credit Risk
Distribution

DSA Management DSA & Partner Distribution

Channel management, lead tracking & automated payouts

Explore DSA Management
Gateway

API Hub Financial API Infrastructure

100+ plug-and-play banking, bureau & payment APIs

Explore API Hub
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