Loan Management System
Loan servicing for banks and NBFCs — repayment schedules, restructuring, collections handoff and lifecycle events across auto, mortgage, personal and gold loans.
See Loan Management System in Action
Product overview of how institutions use the Loan Management System across real financial operations.
Loan servicing built for scale and precision
The Loan Management System manages the full post-disbursement lifecycle — repayment schedules, interest and TDS handling, restructuring, prepayments and account closure.
It supports auto, consumer durable, mortgage, revolving and personal loans with configurable repayment schedules, value-dated transactions and multi-organization setup in one system.
Institutions use the platform to cut manual servicing effort, keep NPA provisioning accurate and give operations one control layer for the whole book.
Mobile Servicing for Authorized Teams
The mobile servicing capability provides authorized access to relevant Loan Management System workflows, helping institution teams maintain visibility and action across the post-disbursement lifecycle.
Access: Available to authorized users with credentials provided by their organization.
Account Visibility
Access relevant account information and servicing status for assigned work.
Repayment Tracking
Review repayment progress and account health within authorized workflows.
Operational Follow-Through
Stay aligned with servicing tasks and lifecycle events while away from a desk.
What the Loan Management System Delivers
Capabilities that strengthen loan servicing and portfolio operations at institutional scale.
Loan Servicing
Repayment schedules, interest methods, charges and product-specific servicing rules by loan type.
Account Management
Centralized accounts, statuses, limits and relationship linkages, with direct loan account creation.
Repayment Tracking
Instrument processing, excess amount handling and automated payment application across accounts.
Customer Lifecycle Events
Rescheduling, moratorium, top-ups, recall and disbursement cancellation with full history.
Operational Workflows
Bulk processing, simulation tools and request-processing queues for servicing teams.
Portfolio Visibility
NPA provisioning, overdue tracking and portfolio-level reporting for operations leaders.
Modular product architecture
Modular loan management components designed for high-volume financial operations.
Loan Setup & Disbursement
Clean handoff from Credentra One with disbursement cancellation controls when needed.
Repayment Engine
Flexible EMI logic, value-dated transactions, prepayments and payment application rules.
Restructuring Desk
Rescheduling, settlement, builder subvention and securitization with complete audit history.
Fee & Charge Management
Configurable charges, waivers, credit and debit notes aligned to accounting policy.
Operations Workbench
Role-based queues integrated with the CMS module for customer service requests.
Reporting Suite
GL-integrated operational, regulatory and management reporting across the portfolio.
Servicing flow across the loan lifecycle
A practical operating model for accurate, scalable loan management.
Setup
Create loan accounts from approved Credentra One applications.
Service
Manage repayments, TDS, charges and instrument processing.
Adjust
Handle rescheduling, moratoriums and settlement events.
Monitor
Track NPA provisioning and portfolio health continuously.
Close
Complete recall, cancellation or closure with full history.
Outcomes for financial institutions
Operational Efficiency
Standardize servicing across auto, mortgage, personal and gold loan books.
Lifecycle Accuracy
Keep balances, schedules and NPA status precise throughout the loan tenure.
Better Customer Service
Resolve requests faster with one unified account and servicing view.
Portfolio Transparency
Give leadership clear visibility into exposure, overdue accounts and repayment health.
Built for institutional scale
Banks
Multi-product loan servicing for central and branch operations.
NBFCs
High-volume consumer finance servicing with specialized product rules.
Housing Finance
Long-tenor mortgage servicing and customer lifecycle management.
Lending Institutions
Enterprise-grade loan management software for complex portfolio operations.
Related Solutions
The Loan Management System connects origination and collections into one enterprise lending platform stack.
Loan Management System FAQs
Common questions about the Loan Management System for enterprise evaluation teams.
See Loan Management System in Action
Request a personalized demonstration with our product specialists.