NBFC Bookkeeping Software | HelloBooks.ai AI-agent bookkeeping for NBFCs & banks: loan portfolio KPIs, DPD aging, IRAC/NPA provisioning, ALM & RBI compliance dashboards. Start free trial.
HelloBooks.ai is banking and NBFC bookkeeping software designed for scheduled commercial banks, non-banking financial companies (NBFCs), small finance banks, housing finance companies, microfinance institutions and digital lenders. Lending businesses run on a different ledger than trading or services businesses — assets under management (AUM), product mix, days-past-due (DPD) buckets, gross NPA (GNPA), net NPA (NNPA) and top borrower exposures are the dashboard, not just the P&L. HelloBooks builds the loan portfolio view directly into the books: every disbursement, EMI, partial pre-payment, charge and provisioning entry lands in the right ledger, with drill-down from portfolio KPIs to facility-level and borrower-level detail.
Risk and provisioning is where HelloBooks differs from any generic accounting software in India. The Risk & NPA module mirrors RBI's IRAC norms — standard, sub-standard, doubtful and loss classification with automatic age-based migration, slippage and upgrade tracking, recoveries and write-offs, provisioning shortfall reporting and exception MIS for ALCO and audit. Tag accounts to watchlists, restructuring under RBI's resolution framework, or legal action and generate compliance MIS in formats RBI inspectors and statutory auditors accept. Treasury and compliance dashboards cover borrowing facilities, weighted cost of funds, asset-liability management (ALM) gaps, regulatory returns (DNBS, ALM, NPA statements) and penalty exposure on delayed filings — the things a Tally or Zoho Books ledger simply cannot produce without an external loan management system.
For lending entities operating across India, HelloBooks handles the full statutory load: GST on processing fees and foreclosure charges, TDS u/s 194A on interest payments, 26AS and AIS reconciliation, securitization and direct-assignment accounting, and Ind-AS 109 expected credit loss (ECL) computation on the loan book. Bank reconciliation against operating, collection and escrow accounts is automated, and AI categorization correctly classifies interest income, processing fee income, recovery proceeds and provisioning charge to the right ledger. That is what makes HelloBooks bookkeeping software for banks and NBFCs that actually speaks RBI language — risk teams, finance teams and the bond-issuance / NCD compliance team work from the same loan portfolio, the same NPA classification and the same ledger instead of stitching together three separate systems.
Banking & NBFC bookkeeping software for loan portfolio, risk, treasury and compliance
Banking & NBFC BookkeepingThat speaks RBI language.
Connect your core lending workflows—loan origination, portfolio dashboards, DPD aging and top exposures— directly into real‑time books of account. Built for NBFCs, banks and digital lenders running on tight MIS and regulatory timelines.
- Portfolio KPIs: AUM, disbursements, GNPA/NNPA, yield and product mix at a glance.
- DPD buckets from current to NPA with account counts and exposure in each band.
- Top borrower exposures with DPD and rating so risk, business and finance are aligned.
Live-style mockup · portfolio, DPD aging & exposures
Track every facility from sanction to closure.
Get a lifecycle view of every facility—sanction, disbursal, restructures, top‑ups and closure—along with operational checklists so documentation and covenants do not fall through the cracks.
- Facility register with stage, outstanding, rate, next EMI and current bucket.
- Ops checklist for disbursal, documentation, insurance, charge filing and covenants.
- Lifecycle snapshot for business and operations heads to see pipeline vs active vs closed.
Collections, IRAC & provisioning in one view.
See demand vs collected, efficiency by DPD bucket, and a live NPA register with IRAC class and provision percentages—so your risk team knows exactly where slippage and shortfalls sit.
- Bucket‑wise collection efficiency and GNPA/NNPA ratios surfaced on the dashboard.
- NPA register with OS, DPD, IRAC class, provision rate and action status for each account.
- Provisioning summary highlighting held vs required amounts and exception alerts.
Borrowings, ALM gaps & RBI returns under control.
Give ALCO and compliance teams a single lens across borrowing facilities, ALM gaps and regulatory returns. See utilisation, cost of funds, time‑bucket gaps and penalty risk in the same workspace.
- Borrowing facility register with lender, limit, drawn, rate, maturity and status.
- ALM grid with assets, liabilities and gap by time bucket for quick ALCO reviews.
- Regulatory returns calendar with owners, status and penalty‑risk badges.
Banking & NBFCs — Frequently Asked Questions
Answers to how HelloBooks fits into your lending stack.
Ready to automate your books?
Let AI handle the bookkeeping and reclaim hours every month. Get started free — no credit card required.