Modernise
finance.
Automate loan workflows, enforce high compliance, and scale your portfolio without scaling your headcount — with digital-first financial operating systems built for the modern era.
Platforms designed for regulatory and operational complexity.
Loan origination
Digitise end-to-end loan applications — from doc collection to credit assessment.
KYC automation
Streamline identity verification and risk screening with audit-ready automated workflows.
Portfolio hub
Track active loans, EMI schedules, and collections performance in real time.
Regulatory reporting
Generate compliance-ready reports for RBI/SEBI with automated data extraction.
Connected fintech stacks tailored to your obligations.
Modern LOS
Custom loan application portal covering lead capture, credit evaluation, and digital agreement execution.
- Online application portals
- Document verification engine
- Multi-level approval flows
- Digital e-signatures
Connected LMS
Track disbursed loans from day one to closure — EMI schedules, overdue management, and NOC generation.
- EMI schedule generation
- Payment reconciliation
- Overdue collections workflow
- Closure & NOC processing
Risk analytics
Real-time view of portfolio health — NPA rates, collection efficiency, and branch-level metrics.
- Portfolio at risk (PAR) tracking
- Collection efficiency reports
- Product-wise P&L dashboards
- Audit submission reporting
Scale portfolio. Not risk.
Run lending operations on self-hosted open-source systems — audit-ready trails, no per-user licence, and borrower data on infrastructure you control.
Modernise operationsWhy NBFCs and lenders in India choose open-source software
Lending has two pressures that pull against each other: process loans faster, and stay fully compliant. Manual files and disconnected tools make both harder — files stall in approval, and audit season means reconstructing history from spreadsheets. A connected system — origination, loan management, and portfolio analytics — digitises the flow so approvals move quickly and every step is logged for the auditor.
Open-source fits finance for two reasons. Cost: proprietary lending platforms charge per user or per loan, while ERPNext and Frappe apps carry no per-user licence. Control: self-hosting keeps borrower data and audit trails on infrastructure you own, which matters for regulated financial data and RBI reporting.
Mith Tech builds this stack for Indian NBFCs and lenders: a custom loan origination portal, a connected loan management system, and risk dashboards — all self-hosted and audit-ready. Explore the Frappe solutions behind it, or read our open-source ERP guide for India.
Finance & NBFC software — frequently asked questions
What is the best software for an NBFC or lending business in India?
The best fit for many Indian NBFCs and lenders is an open-source financial stack — a loan origination system, a loan management system, and portfolio analytics — self-hosted for audit and data control. ERPNext and Frappe-based apps cover origination, KYC, EMI schedules, collections, and reporting in one system, with no per-user licence as you scale the book.
How does software speed up loan processing?
Software speeds up lending by digitising the whole application flow — document collection, KYC and risk screening, multi-level approvals, and digital agreement signing — so files stop sitting on desks. Automated checks and structured workflows cut the manual back-and-forth that slows disbursement, and every step is logged, which also shortens audit and compliance work.
Can open-source software meet compliance and audit requirements?
Yes. Open-source financial systems can be configured for audit-ready data trails, role-based access, and structured reporting for regulators such as the RBI. Every action is logged, giving a complete, tamper-evident history. Because you self-host, you also control where data lives — important for financial data. Full compliance is a configured, validated process built with a capable partner.
Can I manage origination, EMIs, and collections in one system?
Yes. A connected loan origination and loan management system tracks a loan from application through disbursement, EMI schedule, overdue collections, and closure with NOC — in one place. Payment reconciliation and portfolio-at-risk views update in real time, so credit and collections teams work from the same live data rather than reconciling separate spreadsheets.
Is lending software expensive for a growing NBFC?
Proprietary lending platforms charge per user or per loan, so cost climbs as your portfolio and team grow. Open-source alternatives are a one-time implementation plus hosting, with no per-user fee — so scaling the book does not scale the software bill. For a growing NBFC, that keeps operating cost down while retaining full control of borrower data.
Do you build a custom loan origination portal?
Yes. Mith Tech builds custom loan application portals covering lead capture, document verification, multi-level approval flows, and digital e-signatures, connected to a loan management system for the full lifecycle. The portal is yours and self-hosted, so borrower data and audit trails stay on infrastructure you own, and the system adapts to your products and approval hierarchy.
Ready to modernise your financial operations?
Book a free consultation with our fintech specialists and receive a custom transformation roadmap.