Financial Services | Banking & Lending AI-agent bookkeeping for NBFCs and non-bank lenders: loan portfolio, DPD aging, collections, IRAC/ECL compliance, ALM & treasury. Start free trial.
HelloBooks.ai is financial services accounting software built for NBFCs, non-bank lenders, co-lending platforms, gold-loan and MSME-loan companies, and family-office lending vehicles that need a loan-portfolio view living on top of the general ledger. Unlike generic bookkeeping tools that stop at a P&L, our financial services platform shows live AUM, disbursements, GNPA/NNPA, average yield, product mix across MSME, gold, vehicle, and personal-loan books, plus DPD aging buckets and top borrower exposures — all reconciling back to the same trial balance an external auditor or RBI inspection team would test.
On the compliance side, HelloBooks handles the regulatory load that defines non-bank lending in India: RBI IRAC provisioning rates with standard, NPA, and restructured asset buckets, Ind-AS 109 expected credit loss staging across Stage 1, 2, and 3 with required-versus-held provisions, shortfall alerts before quarter close, and FEMA / ODI reporting where the lending vehicle has cross-border exposure. Collection workflows track demand vs collected, DPD aging, and the collection register with status flags (collected, overdue, defaulted), while AI categorization on bank feeds posts EMI receipts, processing fee income, late-payment charges, and write-offs to the right ledger lines without manual cleanup. For US-domiciled lending arms, ACH-pull reconciliation via Plaid, 1099-INT issuance, and state-level usury and money-transmitter compliance are wired in.
What makes HelloBooks different from Tally or generic loan-management systems for financial services is the link between the lending book and treasury: borrowing facility management with total borrowings, utilization, weighted average cost, maturing facilities and undrawn lines; an asset-liability management view with ALM maturity buckets, gap analysis, and cumulative gap that mirrors how a treasury head actually monitors mismatch; and board-pack and covenant MIS generated from the same data feeding statutory books. Lenders, finance teams, and ops heads all work off one reconciled platform — no spreadsheet exports between loan management, accounting, and the regulator's quarterly return.
Financial Services (Non-Bank)
Bookkeeping Built for Lenders.
For NBFCs and non-bank lenders: loan portfolio dashboards, DPD aging, collection efficiency, IRAC provisioning, borrowing facilities, and ALM — all in one place, aligned with RBI and Ind-AS.
Loan Origination & Borrower Management
Track Total AUM, disbursements, GNPA/NNPA, and average yield. View product mix (MSME, Gold, Vehicle, Personal), DPD aging buckets, and top borrower exposures — with filters and MIS export.
Portfolio KPIs
AUM, disbursed, GNPA/NNPA, yield, tenure.
Product Mix & DPD
Product-wise book and aging buckets.
Top Exposures
Borrower-level outstanding, DPD, rating.
Collections, Risk & NPA
Monitor collection efficiency, demand vs collected, overdue and bounce rate. DPD aging with collection by bucket and a collection register (Loan ID, borrower, EMI, paid, DPD, status) with filters.
Collection KPIs
Efficiency, demand, collected, overdue, bounce rate.
DPD Aging & Collection
Bucket-wise demand and collected with efficiency.
Collection Register
Loan-level EMI, paid, DPD, status (Collected/Overdue/Defaulted).
Regulatory, Compliance & Accounting
RBI IRAC provisioning: total provisions, standard asset, NPA, restructured. Shortfall alerts and IRAC table (category, rate, required, held, gap). Ind-AS ECL staging (Stage 1/2/3) with ECL amounts.
Provision KPIs
Total provisions, PCR, standard/NPA/restructured.
IRAC Requirements
Category-wise required vs held and gap.
ECL Staging
Stage 1/2/3 with accounts, book, and ECL.
Treasury, Analytics & Co-Lending
Manage borrowing facilities: total borrowings, utilization, weighted average cost, maturing and undrawn lines. Facilities table (lender, type, limit, drawn, rate, maturity, status) and ALM maturity buckets with gap.
Borrowing KPIs
Total borrowings, utilization, WAC, maturing, undrawn.
Facilities Table
Lender, type, limit, drawn, rate, maturity, status.
ALM Buckets
Maturity-wise assets, liabilities, gap, cumulative gap.
Everything in one place
Four integrated areas: loan origination and borrower management, collections and risk/NPA, regulatory and compliance, and treasury and analytics — built for NBFCs and non-bank lenders.
Loan Origination & Borrower Mgmt
Portfolio dashboard, product mix, DPD aging, top exposures
Collections, Risk & NPA
Collection efficiency, DPD aging, collection register
Regulatory & Compliance
IRAC provisioning, ECL staging, shortfall alerts
Treasury & Analytics
Borrowing facilities, ALM buckets, utilization
General FAQs
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