LenderOS Suite · LMS

Every rupee tracked
from disbursal to settlement.

A loan management system that does the boring work right, from schedules and EMIs to DPDs, NPAs, and RBI reports, so your team can focus on the cases that need a human.

What's inside

Servicing built for India's lending reality.

EMI bounces, partial payments, NACH retries, settlement negotiations: the messy middle of lending, handled cleanly.

Schedule + EMI engine

Reducing-balance, flat, bullet, balloon: any structure. Holiday-aware, festival-aware, weekend-aware. Auto-regenerate on top-up or restructure.

Auto-debit + retries

e-NACH, UPI Autopay, standing instructions. Configurable retry policy, partial-debit handling, bounce-charge automation.

DPD + bucket tracking

Auto-roll buckets daily. NPA tagging per RBI norms. Provisioning calculations. Early-warning triggers feed back to CRM and Collections.

Collection workflows

Bucket-based assignment, call scripts, payment links over WhatsApp, settlement offers. Field-officer mobile app with offline mode.

Foreclosure + top-up

Borrower-initiated or agent-initiated foreclosure with accurate accruals. Top-up loans re-using KYC and current bureau pull.

RBI-ready reporting

CIBIL submission files, FIU-IND, CRILC, ALM reports. Generated automatically, format-validated, ready to submit.

ROI

What changes when servicing is done right

30%

Lower 30+ DPD with smart retries

0 manual

RBI report preparation

Real-time

Portfolio + provisioning dashboard

Picks up borrowers from LOS at disbursal, feeds collection triggers back to CRM. Same data, no sync.

RBI-aligned NPA tagging Multi-product portfolio Field-officer app API-first GL integration On-prem ready

Move your servicing onto Neetix LMS

Migration in weeks, not months. We'll demo with your real loan book under NDA.

Every rupee trackedfrom disbursal to settlement.