MFI & NBFC-MFI Software
Microfinance Software Built for Group Lending, Field Collections & RBI Compliance
Run JLG/SHG group lending, individual loans, field collections, and credit bureau checks from one cloud platform — designed around how Indian MFIs and NBFC-MFIs actually operate on the ground, not a generic loan management template.
Live Portfolio Snapshot
Active Borrowers
14,208
Portfolio Outstanding (₹ Cr)
62.4
Active JLG Groups
1,830
Portfolio at Risk (PAR 30)
1.4%
Field Staff Connected
246
Works
Offline
Offline
RBI
Microfinance directions & bureau checks built in
Microfinance Institution Software
Book a Free Demo
Built Around Group Lending — Not Retrofitted From Retail Loan Software
Most loan management systems are built for individual retail loans and bolt on "group lending" as an afterthought. Ours starts from JLG and SHG structures — group formation, center meetings, joint liability tracking, and field collections in low-connectivity areas — because that's how the majority of Indian microfinance actually gets disbursed and repaid.
Every collection your field officer records syncs back to a central ledger that stays consistent with your credit bureau reporting and RBI-mandated portfolio disclosures.
Free demo with your own sample portfolio before you buy
JLG/SHG and individual lending in one platform
Offline-capable field collection app for rural areas
Assisted migration from your existing MIS or Excel
Training and priority support included, not sold separately
Pricing scales with your active borrower count
Common Pain Points
Does This Sound Like Your MFI's Day-to-Day?
These are the exact operational problems most MFIs and NBFC-MFIs come to us with — before they switch to dedicated software.
Bureau checks done manually before every disbursement
Staff logging into a separate bureau portal per client instead of it happening inline during appraisal.
Group and center meeting records kept on paper
JLG attendance, group guarantees, and center-meeting collections recorded in registers, re-entered later.
Field officers can't collect without network signal
Rural collection routes losing data or requiring return trips because the app needs constant connectivity.
PAR and overdue reports built from spreadsheets
Portfolio-at-risk numbers reconstructed manually every month instead of updating live as EMIs are logged.
Branch-level data doesn't roll up cleanly to HO
Each branch running its own register or local file, consolidated by hand at month-end for management reporting.
Cash collection reconciliation is a daily headache
Field officer cash-in-hand vs. system records don't tie out cleanly without a dedicated reconciliation process.
What's Included
Complete Microfinance Software Modules
Every module shares the same client, group, and loan ledger — so field collections, appraisal, and reporting never fall out of sync.
Client & Group (JLG/SHG) Management
Digital client onboarding with KYC, plus full group formation, center meeting, and joint-liability tracking.
- Group formation & center meeting scheduling
- KYC document capture & verification
- Group guarantee & attendance tracking
Loan Origination & Appraisal
Application, income assessment, and inline credit bureau checks before a loan is approved for disbursement.
- Digital application & document upload
- Inline credit bureau report pull
- Configurable approval workflows
Disbursement & Repayment Scheduling
Automated EMI schedules for weekly, fortnightly, or monthly repayment cycles common in group lending.
- Cashless & bank-linked disbursement
- Auto-generated repayment schedules
- Pre-closure & part-payment handling
Field Collection App
Offline-capable mobile app for loan officers to record center-meeting collections in low-connectivity areas.
- Works offline, auto-syncs when online
- Digital receipts for borrowers
- Route & center-wise collection lists
Credit Bureau Integration
Connects to CRIF High Mark, Equifax, and CIBIL for pre-disbursement checks and post-disbursement reporting.
- Real-time bureau report pulls
- Over-indebtedness flagging
- Scheduled bureau data submission
RBI & Regulatory Reporting
Portfolio quality, PAR, and exposure reports formatted for RBI's microfinance directions and internal audit.
- PAR 30/60/90 tracking, live
- Household income & exposure limit checks
- Audit-ready transaction trail
Multi-Branch & HO Management
Centralized client and loan data across branches, with head-office visibility into every field officer's portfolio.
- Branch-wise & officer-wise dashboards
- Role-based staff access control
- Consolidated HO reporting
Portfolio Analytics Dashboard
Live KPIs — disbursement trends, PAR, collection efficiency, and staff productivity — in one dashboard.
- Real-time PAR & collection efficiency
- Custom report builder & export
- Officer & branch performance ranking
Data Security & Backup
Encrypted client and financial records, role-based access, and automated backups across branches.
- Role-based user permissions
- Automated daily backups
- Full activity & audit logs
A Closer Look
The Three Pillars Every MFI Operates On
Origination, field collections, and portfolio risk are interdependent — our software keeps all three in sync in real time.
Onboarding
Origination
Loan Origination
Client and group onboarding, KYC, and inline bureau checks before a single rupee is disbursed.
Ground Ops
Collections
Field Collections
Offline-capable app for center-meeting collections, syncing to the ledger the moment connectivity returns.
Oversight
PAR
Portfolio Risk Monitoring
PAR 30/60/90, exposure limits, and household indebtedness tracked continuously, not just at audit time.
Our Process
How We Get Your MFI Live
A structured rollout across branches so field operations don't stop while you switch systems.
1
Requirement Discussion
We understand your lending model — JLG, SHG, individual — branch count, and current MIS setup.
2
Demo & Configuration
You see the software with a sample portfolio close to your own, and we configure products and cycles to match.
3
Data Migration
Existing client, group, and loan records are migrated from your current MIS or Excel with our team's assistance.
4
Staff Training & Go-Live
Branch and field staff are trained on daily workflows before collections and disbursements move fully onto the platform.
5
Ongoing Support
Priority support and updates as RBI microfinance directions or your operational needs evolve over time.
Ready to move field collections off paper?
Book a free, no-obligation demo with your own sample client and group data — see exactly how it fits your MFI's lending model before you decide.
9
Core Modules Included
origination, collections, bureau & compliance
3–5
Weeks to Go-Live
including portfolio migration & staff training
8+
States Served
MFIs & NBFC-MFIs managed remotely across India
8+
Years in Software & Web Development
building compliance-first business tools
Common Questions
Microfinance Software FAQs
Straight answers to the questions we get asked most before onboarding an MFI or NBFC-MFI.
What is microfinance software used for?
Microfinance software manages the full loan lifecycle for MFIs and NBFC-MFIs — client and group (JLG/SHG) onboarding, credit bureau checks, loan appraisal and disbursement, field collections, and the RBI-mandated reporting these institutions must maintain.
Does the software support joint liability group (JLG) and SHG lending?
Yes, group formation, center meetings, group-guarantee tracking, and individual-within-group repayment schedules are all built in, alongside standard individual-loan workflows.
Can the software check credit bureau reports before disbursing a loan?
Yes, the platform integrates with credit bureaus such as CRIF High Mark, Equifax, and CIBIL to pull a client's credit report during loan appraisal, helping flag over-indebtedness before disbursement, in line with RBI's microfinance lending guidelines.
Does field staff need internet connectivity to collect repayments?
The field collection app is designed to work with intermittent connectivity — loan officers can record collections offline in low-network village areas, and the data syncs automatically to the central system once a connection is available.
How long does implementation take for an existing MFI portfolio?
For an MFI with an existing active portfolio, migrating client, group, and loan data along with staff training typically takes 3 to 5 weeks depending on branch count and portfolio size.
Is client and financial data secure on this microfinance software?
Yes, the platform uses encrypted data storage, role-based access for branch and field staff, and automated backups, and can be hosted on infrastructure within India to meet data residency expectations.
Free Demo Request
See the Microfinance Software in Action
Share a few details about your MFI or NBFC-MFI and we'll set up a free, no-obligation demo within 24 hours.