Disbursal to NPA, on books you own. — Loan management system for NBFCs and lenders in India

1. Every lead has an owner and a follow-up date, from the first message.
2. The applicant's documents sit on one record, not in an inbox.
3. KYC, CKYC and video KYC connect beside it from the provider you use.

Where the demo stops: Our demo shows a lead followed up to a won deal; KYC runs beside Frappe Lending through your KYC provider, not in the live demo.

1. The application moves through your approval levels, each one recorded.
2. Limits and terms are set on the loan product, not retyped per loan.
3. Bureau pulls and scorecards connect beside it from your bureau or LOS.

Where the demo stops: Approval workflows run in Frappe Lending; bureau pulls and scorecards sit beside it. Not in the live demo yet.

1. A loan is booked and disbursed from one record, in full or in tranches.
2. Lines of credit draw down against their limit.
3. The disbursal posts to the books the moment it is made.

Where the demo stops: Loan booking and disbursal run in Frappe Lending as standard; they aren't in the live demo yet.

1. The repayment schedule is built from the loan's terms and kept with it.
2. Each instalment falls due and bills itself on its date.
3. Prepayments and restructures recalculate the schedule, with the old one kept.

Where the demo stops: Our demo shows a contract billing itself on schedule; loan schedules run in Frappe Lending, not in the live demo yet. NACH mandates connect beside it.

1. Overdue instalments flag themselves and the reminder goes out.
2. Payments by UPI, NACH or cash match their instalments on their own.
3. Every collection posts to the same ledger as the loan.

1. Days past due update every day for every loan.
2. Loans are marked NPA at the thresholds your company sets, with a manual override recorded.
3. Provisioning is set up for your policy, not assumed.

Where the demo stops: DPD and NPA marking run in Frappe Lending as standard; provisioning is configured. Not in the live demo yet.

1. Each loan carries each partner's share as set on the arrangement.
2. Interest, principal and penalties split between partners on their own.
3. Each partner's book of loans shows on its own report.

Where the demo stops: Co-lending splits run in Frappe Lending as standard; securitisation and direct assignment aren't covered. Not in the live demo yet.

1. Loans live in ERPNext's own ledger, so there is nothing to reconcile.
2. Collections, dues and cash on one screen in the morning.
3. Bureau files and regulatory returns are prepared beside it from the same records.

Where the demo stops: Credit bureau files and regulatory returns are prepared beside it from the ledger; they aren't standard reports.