The financial spine of the platform — double-entry GL, full AP and AR, real-time accrual, IRAC-aligned NPA and Ind AS ECL, profitability and financial reporting, fixed-asset register, borrowings and treasury (FD, mutual funds, G-Secs) with RBI-aligned ALM. Every transaction in, every rupee out, every regulatory return on demand.
Configurable chart of accounts with cost-centre and branch tagging on every posting. Balanced, auditable entries in real time — no overnight batch window.
Reducing balance, flat or rule-of-78 — accrued daily, with restructure, reschedule, part-prepayment and write-off producing matching reversals.
Penalty → interest → principal → charges, or whatever your SOP defines — applied consistently on every repayment.
SMA-0/1/2 through Sub-Standard (15%), Doubtful and Loss (100%) — graded every night, provisioning posted to the right GL heads, interest reversed to suspense on NPA.
NACH, UPI and PG settlements auto-matched. The trial balance checks itself before your team logs in.
Trial balance, P&L, NBS-7, CRILC and ALM statements compiled from the ledger — same numbers, every time.
Every borrowing facility tracked — bank lines, NCDs, CPs, securitisation and co-lending — with sanction limits, utilisation and covenant alerts.
Bucket-wise asset-liability maturity, LCR against the RBI floor, and breach alerts in real time — not at quarter-end.
FD and liquid-fund placements tracked alongside the loan book, with maturity laddering.
Dual control on journal vouchers, adjustments and treasury transactions, with per-user audit logs.
Reporting aligned to RBI’s SBR framework as thresholds tighten with your AUM.
Every GL line drills to the loan transaction that created it — the auditor’s favourite feature.
A full accounts-payable and accounts-receivable subsystem sitting on the same double-entry GL — vendor bills, employee claims, fee and charge receivables, all aged, matched and posted automatically.
Bill capture, 3-way match against PO and GRN, approval routing and scheduled payouts over IMPS/NEFT — posted to the GL on approval.
Travel, field and reimbursement claims from FinHRMS flow in, get approved on policy, and settle into the same ledger.
Processing, login, bounce and foreclosure fees raised, tracked and aged — auto-matched as collections land.
Vendor and customer ageing buckets, statements of account and reminders — payables and receivables both controlled.
TDS deduction on vendor payments, GST input credit tracking and reconciliation against returns, built in.
Partner and DSA balances netted across payable and receivable before settlement, with a full audit of every offset.
SMA-0/1/2 through Sub-Standard, Doubtful and Loss — graded every night, never a month-end scramble.
Provision percentages applied per asset class and ageing, posted to the right GL heads automatically.
Income reversed to suspense the moment an account turns NPA — no overstated P&L.
Stage 1/2/3 expected-credit-loss computation with PD-LGD models alongside IRAC, for Ind AS reporters.
Account upgrades on sustained repayment and recovery tracking post write-off, both reflected in the book.
NPA movement, CRILC submission and the relevant RBI returns generated straight from the classification.
P&L by branch, product, scheme and cost centre — NIM, cost-to-income, RoA and RoE computed from the live ledger.
Balance Sheet, P&L and Cash Flow generated to schedule, in formats your auditors and board expect.
Schedule-wise notes, related-party disclosures and movement tables compiled from the GL — not retyped into Word.
Segment and geography reporting for Ind AS / Companies Act, drawn from the same cost-centre tags.
Multi-entity and branch roll-ups with inter-branch elimination — one consolidated view, drill-down preserved.
Pre-built schedules, ledgers and reconciliations exported for statutory and internal auditors.
Bank lines, NCDs, CPs, securitisation and co-lending facilities — sanction limits, utilisation, covenants and repayment schedules in one place.
Bank and corporate FDs tracked with maturity ladders, accrual, auto-renewal flags and yield analytics.
Liquid and debt MF holdings with NAV marking, gain/loss, redemption tracking and NBFC investment-norm checks.
Government securities and other permissible instruments with duration and yield tracking.
Bucket-wise maturity and duration gaps, interest-rate sensitivity, concentration risk and LCR — with real-time breach alerts.
Idle-balance sweeps into permissible instruments, laddered to projected outflows.
Asset capitalisation, location and custodian tracking, with auto-computed depreciation under Companies Act and Income-Tax methods.
SLM and WDV schedules, component depreciation, disposals and revaluation — posted to the GL each period.
Capital-work-in-progress tracked to capitalisation with full audit, including branch fit-outs and IT assets.
Role- and entity-based access across every module — maker, checker, approver and viewer, scoped to branch and GL head.
Dual control on vouchers, masters, treasury deals and adjustments — nothing irreversible by one person.
Immutable, time-stamped log of every transaction, override and login — attributable and exportable to the RBI horizon.
See a full close cycle — accrual to NBS-7 — on representative data.
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