Loan Management System (LMS)

FinnOne Neo® LMS is designed for banks, non-banking financial companies (NBFCs), microfinance institutions (MFIs), digital lenders, and other financial institutions offering lending products.

It supports a wide range of secured and unsecured loan products, including personal loans, home loans, auto loans, business loans, credit lines, working capital loans, gold loans, education loans, and more.

It enhances operational efficiency by automating loan servicing, improving collections, reducing manual errors, ensuring compliance, and offering real-time analytics for informed decision-making.

Yes, FinnOne Neo® LMS is available as a cloud-based solution, ensuring high availability, scalability, and lower IT infrastructure costs. It can also be deployed on-premises.

Yes, it supports multi-currency transactions, making it ideal for lenders operating in multiple geographies.

Yes, it provides seamless integration with core banking systems, digital payment platforms, accounting systems, and other third-party applications via APIs.

It offers a flexible, AI-driven architecture with real-time analytics, digital payment collections, regulatory compliance support, and a highly configurable rule engine for tailored loan management.

It follows industry best practices with robust security measures, including data encryption, role-based access control, audit trails, and compliance with international security standards.

Yes, it adheres to global and regional regulatory standards, ensuring compliance with lending guidelines, KYC/AML requirements, and credit bureau reporting.

It automates the loan disbursal process, enabling direct transfers to customer accounts, handling bulk disbursals, and ensuring real-time fund disbursement tracking.

Yes, lenders can configure flexible repayment plans, including EMI-based, step-up, step-down, balloon payments, and customized schedules.

Yes, it allows lenders to define moratorium periods, interest deferments, and repayment holiday options based on regulatory and business policies.

It tracks overdue accounts, automates reminders, applies penalties, and provides dashboards for collection teams to manage delinquencies.

Yes, the system allows partial payments and auto-adjusts outstanding balances based on lender-defined rules.

It enables customers to make early repayments or foreclose loans with auto-calculated prepayment charges and interest adjustments.

Yes, it allows linking multiple borrowers to a single loan and tracks repayment responsibilities accordingly.

Yes, lenders can configure floating or fixed interest rates and modify them based on predefined rules.

Yes, it provides tools for loan restructuring, including tenure extension, rate modifications, and revised repayment schedules.

Yes, it supports bulk disbursal processing, allowing lenders to manage multiple loans efficiently.

It automates collection workflows, assigns cases to collection agents, tracks payment recoveries, and integrates with digital payment channels.

Yes, it uses AI-driven predictive analytics to identify potential defaulters and recommend proactive collection strategies.

Yes, the system automates communication via SMS, emails, and app notifications for overdue reminders.

Yes, it integrates with payment gateways, UPI, mobile wallets, and internet banking for digital payment collection.

Yes, it offers real-time dashboards and customizable reports on collections, delinquencies, and recovery trends.

Yes, it provides case management for legal proceedings, documentation tracking, and integration with legal service providers.

Yes, it allows lenders to assign overdue cases to external agencies and track their performance.

It automates loan write-offs, settlement negotiations, and discount approvals based on business rules.

Yes, FinnOne Neo® LMS offers a mobile app for collection agents to track cases, update payments, and communicate with customers.

Yes, it facilitates automated reporting to credit bureaus, ensuring compliance with local regulations.

Yes, it offers a comprehensive set of APIs for seamless third-party integration.

Yes, it integrates with multiple payment gateways for automated collections and repayments.

Yes, it leverages AI for risk assessment, collection predictions, and personalized customer engagement.

It supports major databases like Oracle, SQL Server, and PostgreSQL.

Yes, it provides a responsive UI and a dedicated mobile app for lenders and collection teams.

Yes, it allows role-based access control with customizable user permissions.

Yes, it offers interactive dashboards with real-time loan performance metrics.

Yes, it integrates with AI chatbots for automated customer support and FAQs.

Yes, it supports multiple languages for global deployment.

It follows a structured release cycle with regular updates and enhancements.

Implementation timelines vary but typically range from a few weeks to months, depending on customization needs.

Yes, comprehensive training sessions are provided during and post-implementation.

It includes 24/7 technical support, periodic updates, and on-demand assistance.

Yes, it supports seamless data migration from legacy systems.

Yes, we can schedule a demo upon request.

Pricing is customized based on deployment type, features, and scale.

Yes, cloud deployments come with a high uptime guarantee.

Yes, it is designed for scalability to accommodate business expansion.

Hardware requirements vary based on deployment scale; details can be provided upon request.

You can contact us through our website or sales team to schedule a demo.