NBFC & Loan Management ERP for Finance & HP Companies
Manage borrowers, HP agreements, automated EMI schedules, field collection receipts, bounce charges, legal notices, and 1-click Tally migration in one secure platform.
Made for your kind of business
From daily headaches to clear control
Without the right software
- Tracking EMI dues across hundreds of borrowers in Excel leads to missed collections and delayed follow-ups
- Manual drafting of Hire Purchase (HP) agreements, hypothecation records, and RTO forms takes hours per loan
- Cheque and NACH/e-Mandate bounces require manual penalty calculations, bounce charges, and separate bank entries
- Field collection agents carry paper receipt books, leading to cash reconciliation discrepancies and delayed day-end deposits
- Generating Borrower Statements of Account (SOA), interest bifurcation, and exporting vouchers to Tally for CA audit is tedious
With KATS NBFC & Loan ERP
- Automated EMI Amortization Engine supporting flat and reducing interest rates with automated advance adjustments
- 1-Click HP Agreement Generator with vehicle hypothecation details, RTO Form 20/34, and legal contract printing
- Automated Cheque / NACH Bounce Management with instant late fees, penalty calculation, and Section 138 notice generator
- Mobile Field Collection App with Bluetooth thermal receipt printing, live GPS geo-tagging, and day-end cash settlement
- Seamless 1-Click Tally Prime & ERP9 Integration with instant Borrower Statement of Account (SOA) and NOC generation
Everything you need in one NBFC & Loan ERP
Start with the modules you need today and add more as your business grows.
Borrower KYC & CIBIL Check
Aadhaar, PAN, CIBIL score, co-borrower & guarantor profiling with bank account validation.
HP Agreement & Hypothecation
Vehicle chassis/engine tracking, Hire Purchase contracts, RTO Form 20/34, and asset valuation.
Loan Origination & Disbursement
Personal, business, vehicle and gold loans with processing fees, stamp duty, and net disbursement.
EMI Scheduling & Amortization
Flexible tenure, reducing vs flat rate calculation, moratorium handling, and advance EMI adjustment.
Mobile Field Collection App
Agent collection sheet, real-time OTP/cash receipt, bluetooth thermal printer sync, and live GPS.
Defaulter & NPA Management
Aging analysis in SMA-0, SMA-1, SMA-2 and NPA 90+ buckets with automated demand notice generation.
Penalty & Overdue Engine
Configurable grace periods, automated overdue interest, cheque bounce fees, and waiver audit trails.
Cheque & NACH Bounce Handling
Automated bounce charges, re-presentation tracking, bank reconciliation, and legal Section 138 notices.
Borrower Statement of Account
1-click ledger statement, repayment schedule vs actual receipts, principal/interest split & NOC.
Tally Prime 1-Click Sync
Direct export of disbursals, interest income, bounce fees, and recovery receipts to Tally ERP9 / Prime.
Automated SMS & WhatsApp
Pre-due EMI alerts, instant payment receipts with PDF statement link, and overdue reminders.
RBI Compliance & Audit MIS
ALM maturity reports, NPA provisioning statements, Fair Practices compliance, and CA audit registers.
How NBFC & Loan ERP makes work easier
Hire Purchase (HP) & Loan Origination in Minutes
Capture borrower KYC, vehicle chassis & engine numbers, and guarantor details. Generate legally compliant HP contracts, RTO Form 20/34, and amortization schedules in one click.
- Vehicle & commercial equipment HP agreement generation
- Aadhaar & PAN KYC verification with CIBIL rating
- Automatic processing fee & advance EMI deduction at disbursement
| Detail | Value | |
|---|---|---|
| Vehicle | Tata Signa 4825 | HR 55 AN 9012 |
| Loan Amount | ₹18,50,000 | |
| Tenure / EMI | 36 Months | ₹61,450 / mo |
| Hypothecation | RTO Form 34 | Approved |
Field Collection App with Instant Bluetooth Receipts
Equip your collection executives with a dedicated mobile app. Collect EMI in cash, UPI, or cheque, print instant thermal receipts on the spot, and track day-end deposits automatically.
- Daily / weekly route-wise collection sheets for field agents
- Instant WhatsApp receipt & SMS confirmation to the borrower
- Live GPS geo-tagging & real-time cash reconciliation with office cashier
Zero-Leakage Defaulter, Bounce & Tally Synchronization
Cheque or NACH bounce? KATS automatically levies bounce charges, calculates overdue penalty interest, logs SMA aging, and syncs clean accounting ledgers straight into Tally.
- SMA-0 (1-30 days), SMA-1 (31-60 days), SMA-2 (61-90 days) & NPA alerts
- Automated Section 138 legal notice generation with overdue calculation
- 1-Click XML/Excel export to Tally ERP9 and Tally Prime for effortless CA auditing
Reports owners and accountants ask for
Ready-made reports, plus custom reports built around your process on request.
- Borrower Statement of Account (SOA)
- Daily / Weekly Collection Register
- Loan Disbursement & Sanction Register
- HP Hypothecation & RTO Register
- Cheque & NACH Bounce Register
- Defaulters & Aging (SMA-0,1,2, NPA)
- Penalty & Late Fee Summary
- Agent-wise Field Collection MIS
- Tally Export Vouchers
- ALM & RBI Regulatory Report
NBFC & Loan ERP – frequently asked questions
What makes KATS NBFC & Loan ERP different from generic accounting software?
Generic accounting software like Tally does not handle loan origination, EMI amortization schedules, vehicle HP agreements, field agent mobile receipts, or automated bounce penalty calculation. KATS is built specifically for Indian NBFCs and financiers with complete loan lifecycle automation and 1-click sync into Tally.
Can it generate Hire Purchase (HP) agreements and RTO hypothecation forms?
Yes. KATS includes built-in Hire Purchase (HP) agreement templates, vehicle hypothecation records, RTO Form 20 and Form 34 generation, and asset inspection report attachments.
How does the mobile field collection app work?
Field recovery executives can log into their mobile app, see their assigned daily collection list, collect payments via Cash, UPI or Cheque, print thermal bluetooth receipts on the spot, and send instant WhatsApp confirmation to the borrower.
How are cheque and NACH bounces handled?
When a cheque or NACH mandate bounces, the system automatically marks the EMI as unpaid, levies configured bank bounce charges, calculates overdue penalty interest, and can auto-generate Section 138 legal demand notices.
Does it sync with Tally ERP9 / Tally Prime?
Yes. All loan disbursements, interest income, penalty charges, and principal/interest recovery vouchers can be exported to Tally in 1 click so your chartered accountant has zero manual data entry.
Can we send automated reminders via WhatsApp and SMS?
Yes. The software automatically triggers SMS and WhatsApp reminders 3 days before the EMI due date, sends payment confirmation receipts, and alerts overdue borrowers.
See NBFC & Loan ERP working for your business
Book a free demo. We will walk you through the software with examples from your own work.
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