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 Portfolio Dashboard
AUM, product mix, DPD aging, top exposures
Product Mix
DPD Aging Buckets
Top Borrower Exposures
| Borrower | Product | Outstanding | DPD | Rating |
|---|---|---|---|---|
| Reliance MSME | MSME Term | 4.82 Cr | 0 | A+ |
| Patel Gold | Gold Loan | 3.24 Cr | 0 | A |
| Sharma Transport | Vehicle | 2.86 Cr | 15 | B+ |
| Sunrise Foods | MSME Term | 1.68 Cr | 92 | C |
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.
Loan Portfolio Dashboard
AUM, product mix, DPD aging, top exposures
Product Mix
DPD Aging Buckets
Top Borrower Exposures
| Borrower | Product | Outstanding | DPD | Rating |
|---|---|---|---|---|
| Reliance MSME | MSME Term | 4.82 Cr | 0 | A+ |
| Patel Gold | Gold Loan | 3.24 Cr | 0 | A |
| Sharma Transport | Vehicle | 2.86 Cr | 15 | B+ |
| Sunrise Foods | MSME Term | 1.68 Cr | 92 | C |
Collection Dashboard
DPD aging, collection efficiency, overdue register
DPD Aging and Collection
Collection Register
| Loan ID | Borrower | EMI | Paid | DPD | Status |
|---|---|---|---|---|---|
| LN-2025-0342 | Patel Fabrics | 1,24,000 | 1,24,000 | 0 | Collected |
| GL-2024-0812 | Meera Jewellers | 42,000 | 42,000 | 0 | Collected |
| VF-2024-0567 | Kamal Transport | 68,000 | 0 | 16 | Overdue |
| PL-2024-0123 | Rakesh Verma | 18,000 | 0 | 62 | Defaulted |
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.
Provisioning & Compliance
RBI IRAC norms, stage-wise provisioning, ECL model
IRAC Provision Requirements
| Category | Rate | Required | Held | Gap |
|---|---|---|---|---|
| Standard Assets | 0.40% | ₹0.97 Cr | ₹0.62 Cr | ₹0.35 Cr |
| Sub-Standard | 15% | ₹0.49 Cr | ₹0.49 Cr | — |
| Doubtful (1 yr) | 25% | ₹0.55 Cr | ₹0.55 Cr | — |
| Loss Assets | 100% | ₹0.10 Cr | ₹0.10 Cr | — |
Ind-AS ECL Staging
Borrowing Facility Management
Bank lines, NCDs, CP, utilization, ALM buckets
Borrowing Facilities
12 facilities · ₹238.5 Cr limit| Lender | Type | Limit | Drawn | Rate | Maturity | Status |
|---|---|---|---|---|---|---|
| State Bank of India | Term Loan | ₹50.0 Cr | ₹48.2 Cr | 6.80% | Mar 2028 | Active |
| HDFC Bank | CC/OD | ₹35.0 Cr | ₹28.6 Cr | 7.40% | Jun 2026 | Active |
| ICICI Bank | Term Loan | ₹40.0 Cr | ₹38.4 Cr | 7.15% | Sep 2027 | Active |
| NCD Series A | NCD | ₹25.0 Cr | ₹25.0 Cr | 8.20% | Apr 2026 | Maturing |
ALM Maturity Buckets
| Bucket | Assets | Liabilities | Gap | Cum. Gap |
|---|---|---|---|---|
| 0-30 days | ₹12.4 Cr | ₹8.2 Cr | ₹4.2 Cr | ₹4.2 Cr |
| 31-90 days | ₹18.6 Cr | ₹22.8 Cr | −₹4.2 Cr | ₹0.0 Cr |
| 91-180 days | ₹24.2 Cr | ₹18.4 Cr | ₹5.8 Cr | ₹5.8 Cr |
| 1-3 years | ₹86.4 Cr | ₹68.4 Cr | ₹18.0 Cr | ₹30.2 Cr |
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
FAQs
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