📝 SaaS Solution

Loan Management System
Manage Every Rupee. Every Day.

A comprehensive loan portfolio management platform – from disbursement and repayment scheduling to NPA management and foreclosure – with real-time portfolio intelligence and automated collections triggers.

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📦 Core Capabilities

Everything Your Portfolio Needs

01
Disbursement Management
Disbursement Management
Automated disbursement workflows with conditions precedent tracking, tranche management, and CBS posting confirmation.
02
Repayment Scheduling
Repayment Scheduling
Flexible EMI calculation - flat rate, reducing balance, step-up, bullet, and balloon - with auto-revised schedules for prepayments.
03
NPA & DPD Management
NPA & DPD Management
Automated DPD buckets, NPA classification as per RBI norms, provision calculation, and NPA recovery tracking.
04
Collections Automation
Collections Automation
NACH mandate management, automated payment reminders, UPI collection links, and field collection app integration.
05
Foreclosure & Prepayment
Foreclosure & Prepayment
Automated foreclosure calculations, preclosure penalty application, NOC generation, and security document release workflow.
06
Portfolio Analytics
Portfolio Analytics
Real-time dashboard - outstanding, collection efficiency, NPA trends, product-wise, branch-wise, and vintage analysis.

Early Warning System

UltraBanker LMS includes a built-in AI Early Warning System that monitors borrower behaviour and flags accounts showing stress before they miss a payment.

Behavioural Signal Monitoring

Tracks payment patterns, balance trends, EMI bounce history, and external credit bureau alerts.

Risk Score Reassessment

Monthly AI risk score refresh for every account — identifies accounts migrating toward NPA 90 days in advance.

Proactive Collections Trigger

Automatically assigns high-risk accounts to the collections team with a risk summary and recommended action.

%
NPA Reduction Reported
d
NPA Early Warning Lead Time
%
RBI NPA Classification Compliant
Manual Provision Calculatio

Transform Your Loan Portfolio Management

See the LMS in action with a live demo using sample portfolio data from your loan product types.

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