LMS
Servicing · DPD/bucket · collections · NPA · reporting
Loan management after disbursal, on the same record the LOS created. Track schedules and repayments, DPD and buckets, drive collections, classify NPAs, and produce RBI-ready reporting — one continuous view of the book.
From disbursal to close, tracked.
- 01
Servicing & schedule — two products
Single-repayment loans carry a payoff amount at the due date; EMI loans carry a per-installment amortization schedule stored at disbursal. Dues and ledgers live on the same loan record the LOS created.
- 02
DPD & bucket tracking — per installment
On EMI loans every missed installment starts its own DPD clock; the loan's DPD is the oldest unpaid installment. Buckets update daily — the same signal collections and reporting read from.
- 03
Part-payment & pre-closure
A part-payment reduces principal and recomputes the remaining schedule (EMI drops, tenure holds). A pre-closure quote is outstanding principal plus interest accrued to date — no foreclosure charge.
- 04
Collections & penalties
Overdue charges, where the lender configures them, apply to the overdue installment only. Delinquent accounts flow into collections queues by bucket, tracked on the borrower's single timeline.
- 05
NPA classification & reporting
Accounts classify as they age past 90 DPD, for both products. Reporting is structured for regulatory needs; formats and submissions are finalized with you on onboarding.
Servicing that reports for itself.
- 01Single-repayment and EMI loan products (EMI 3–12 months)
- 02Per-installment amortization schedules & ledgers
- 03Per-installment DPD; loan DPD = oldest unpaid
- 04Part-payment with schedule recomputation
- 05Pre-closure quote (no foreclosure charge)
- 06Penalty on the overdue installment amount only
- 07Auto-debit per EMI due date; collections by bucket
- 08NPA classification & RBI-ready reporting structures
An LMS that keeps your books the way the RBI expects them.
Classification, suspense and appropriation are not reports you run at quarter-end. They are how the ledger posts every day.
- 01BuiltIRAC asset classification
Standard → SMA-0/1/2 → NPA at 90+ DPD, run automatically by the daily job, with an append-only classification history.
- 02BuiltSuspended interest
Interest on NPA accounts is parked in suspense, not booked as income, and realised only when cash arrives.
- 03BuiltPayment appropriation
Configurable order across penalty, interest, principal and charges, per product and separately for NPA accounts. Changes go through maker-checker.
- 04BuiltCustom DPD buckets per product
Custom DPD buckets per product. Each bucket carries its own collections action.
- 05BuiltSingle-repayment and EMI on one ledger
Single-repayment loans and reducing-balance EMI loans post to the same ledger and run through the same scheduled job.
- 06BuiltRepayment schedule per loan
A stored EMI schedule (3, 6, 9 or 12 months, reducing balance) with its own DPD clock per installment, regenerated on part-payment; single-repayment loans carry one due date.
Built = implemented and tested in our codebase.Partial = core logic built, not production-ready.On onboarding = adapter built, enabled with your vendor credentials.Roadmap = not built yet.Gradexa is in active development; no production lenders yet.
The work after disbursal.
Closure, settlement, follow-up and borrower contact, each with its honest status.
- 01PartialForeclosure quotes and closure
Payoff quote for single-repayment loans, pre-closure quote for EMI, with no foreclosure charge; closure on full repayment or cooling-off exit.
- 02RoadmapNOC generation on closure
- 03BuiltSettlement and waiver workflow
Settlement, penalty waiver and write-off each need a maker and a separate checker. Amount-tiered approval levels are not built yet.
- 04BuiltField-visit and collections follow-up
Visits assigned per agent with outcome and location capture; cases auto-created per DPD bucket.
- 05PartialBorrower grievance desk
Borrowers raise grievances from the portal; officers assign, resolve and escalate against an SLA clock.
- 06PartialIRAC provisioning
Provision slabs by asset class computed from the classification history; GL reconciliation and sign-off are not production-ready.
- 07PartialRegulatory reporting
Return structures and batch artefacts generated from the ledger; formats and submission wiring are finalized on onboarding.
- 08RoadmapBorrower communications (SMS, email, WhatsApp)
Templates and a send queue exist; a messaging vendor is not wired yet.
- 09BuiltFunnel views
Lead source through to disbursal, with conversion by source and agent.
- 10RoadmapCohort views through to repayment
Built = implemented and tested in our codebase.Partial = core logic built, not production-ready.On onboarding = adapter built, enabled with your vendor credentials.Roadmap = not built yet.Gradexa is in active development; no production lenders yet.
See it decide on a real bureau report.
Request a demo and we'll walk you through the Credit Engine and the Suite on your scenarios. Honest about what's built today, what's partial, and what's on the roadmap.