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Loan Servicing
Manage the full lifecycle of active loans with automated EMI scheduling, interest accrual, repayment processing, and NPA classification. Financial determinism ensures every calculation is precise and auditable.
Key Capabilities
- Automated EMI schedule generation and demand notices
- Real-time repayment tracking with allocation waterfall
- Interest accrual with INDAS/IGAAP income recognition
- Automated NPA classification at 90+ DPD
- SMA-0/1/2 early warning system
- Loan restructuring and rescheduling
- Part-payment and pre-closure processing
Compliance Coverage
- RBI NBFC Master Directions — asset classification and provisioning norms
- Income recognition suspended on NPA (cash-basis only)
- CIBIL/credit bureau reporting of borrower status
See Loan Servicing in Action
Book a personalized demo to see how this module works for your NBFC.