Finpage's Account & Treasury module is the financial spine of the platform — double-entry GL, real-time interest accrual, automated NPA classification under RBI IRAC norms, ALM, and treasury operations — all from a single source of truth. Every transaction in, every rupee out, every regulatory return on demand.
Every financial transaction in a Finpage loan flows through Account & Treasury — GL posting, accrual, reconciliation, provisioning, reporting — all automatic, all double-entry, all auditable from day zero to day-end.
Auto-setup on disbursal · product params · CIF linked.
Double-entry · chart of accounts · cost centre tagged.
Daily engine · reducing / flat / rule-of-78.
Waterfall: penalty → interest → principal → charges.
SMA-0/1/2 → Sub-Std / Doubtful / Loss · RBI IRAC.
NACH · UPI · PG · auto-matched, zero unidentified.
Trial balance · P&L · NBS-7 · CRILC · ALM.
The moment a disbursal hits, a loan account is spun up with the product's parameters — interest rate, tenure, repayment schedule, moratorium, fee structures — all bound to the borrower's CIF. From that point, every financial event the loan produces turns into balanced, auditable GL entries in real time.
Double-entry GL with configurable chart of accounts, cost-centre and branch tagging on every posting.
Daily / monthly interest accrual — reducing balance, flat, or rule-of-78 — no overnight batch window.
Repayment waterfall is configurable — penalty → interest → principal → charges, or whatever your SOP defines.
Full lifecycle handling — restructuring, rescheduling, part-prepayment, foreclosure, write-off — with matching GL reversals.
NPA classification follows RBI's IRAC norms to the letter — SMA-0, SMA-1, SMA-2, Sub-Standard, Doubtful, Loss — with provisioning posted automatically to the right GL heads. No month-end scramble, no manual buckets.
Treasury lives alongside Account Management in the same module. Your borrowings, surplus deployment, liquidity position, and RBI-aligned ALM — all in one dashboard with real-time breach alerts and a full audit trail.
Track every borrowing facility — bank lines, NCDs, CPs, securitisation, co-lending. Sanction limits, utilisation, covenants, and repayments in one dashboard.
Projection engine built on repayment schedules, disbursement pipelines, and opex. Real-time LCR monitoring with early-warning breach alerts.
FDs, mutual funds, G-Secs, and permissible instruments tracked with maturity ladders, yield analytics, and NBFC investment-norm checks.
Bucket-wise maturity gap, duration gap, interest-rate sensitivity, and concentration risk. ALM statements per RBI Scale-Based Regulation framework.
Immutable audit trail on every treasury transaction. Pre-built RBI returns, board ALM reports, covenant certificates, and statutory auditor work papers.
Real-time portfolio dashboard, automated RBI filings, board-ready MIS, maker-checker workflows, role-based access, API-first architecture.
Bring a trial balance and a recent RBI return. We'll show you a real-time ledger, an auto-classified NPA book, and a draft NBS-7 return — pulled from the same source of truth, in a 30-minute session.