India’s group-lending operations end to end — from CGT and GRT, through scheduled center meetings and cashless collections, to RBI-compliant NPA classification. The way MFIs actually work.
Eighteen members, fourteen minutes, every rupee and every photo accounted for — over 2G, offline if it has to be.
Survey homogeneous groups of 5–20, geo-tagged household visits.
Compulsory Group Training — attendance photo-captured per member.
Recognition test by branch manager; center code assigned.
Per-member applications, bureau indebtedness check, household income caps.
Cashless NEFT/IMPS payout, e-sign, photo + geo-stamp.
Center collections as per the repayment schedule, joint liability tracked per repayment.
Group-level repayment obligations modeled explicitly. Member defaults cascade to center; aging and NPA classification follow RBI rules precisely.
A full 20-member center meeting runs on an entry-level Android phone over 2G. Encrypted local store that syncs automatically on reconnect.
Structured workflows for training attendance, quiz responses and branch-manager approvals — photo evidence against each session.
Auto-generated calendars for thousands of centers — frequency per product, FO reassignment.
BBPS, UPI QR and AutoPay — or cash with denomination-wise remittance to the branch vault and reconciliation.
Automatic indebtedness checks against SRO data, household income cap enforcement, and real-time qualifying-asset ratio tracking.
See the full journey for this product, configured live against your policies.
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