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Loan Management
System 

Optimize efficiency and scale your lending operations with Graviton Loan Management System at the core.

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Composable And Configurable Graviton's LMS​

1

Exhaustive Product Configuration​​

Business Teams Can Configure The Product, Repayment Strategies, Charges Across 15+ Loan Types 

2

Loan Servicing & Events Management ​​

Management Of Repayments, Foreclosures, Rescheduling/ Restructuring, NPA, DPD, Asset Classification, Provisioning. 

3

Operational Reports & Analytics ​​

Daily Reporting, Integration With Visualization Tools, Regulatory Reporting ​

4

Portfolio Accounting ​​

Trade Balances Generation & Balance Sheet Generation, Overall Portfolio P&L Tallying ​

6

Critical Utilities ​​

Bulk Upload Utilities, GST, Limit Management, Pay-out Modules 

What Can Our Graviton's LMS Do?

​One Platform, Many Solutions

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Loan Product Setup

  • Configure product, charges & accounting at product level​

  • Amortization schedule set-up​​

  • Configure day conventions​​

  • Broken period interest ​configuration​

  • Multiple apportion logics​

  • STP-based workflow​

  • Excess payment parking​

  • Multi-tranche​​

  • Subvention​​​

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Loan Charges

  • Disbursement time charges​​.

  • Tranche disbursal charges​​.

  • Overdue penalties​​.

  • Event-based charges​​.

  • DPD-based charges​​​

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  • Specific due date​​

  • Maturity fee​​

  • Grace period / Penalty free period configuration​​​

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Automate Repayments

  • Interest Calculation (Flat/ declining)

  • Repayment tracking

  • Penalty and Fee Management:

  • Advance Payment

  • Detailed Reporting and Analytics:

  • Security and Compliance:

  • Tranche disbursal charges​​.

  • Overdue penalties​​.

  • Event-based charges​​.

  • DPD-based charges​​

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Loan Servicing​​

  • SOA generation​

  • Pre-closure management​​

  • Part payments​​

  • Rescheduling / restructuring​​

  • Waivers on interest & charges​​

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  • Refunds​​

  • Loan settlement workflows​​

  • Loan write-off workflows​​

  • Recovery post write-off​​

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Accounting

  • Chart of accounts setup at ​product level​

  • GST setup for charges​.  

  • Accrual / cash-based ​accounting​

  • Manual journal entries​​

  • Generation of financial ​​

  • EOM, EOY closure reports​​

  • GST invoicing​​

  • Download of entries​​

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Risk Management​​

  • One view of all exposure ​limits through ELMS​

  • DPD calculation​

  • Asset classification​​

  • Asset classification​​

  • NPA tagging as per RBI​​

  • ​

  • Unrecognition of income ​for NPA​

  • PAR reporting​​

  • Bureau reporting​​

Driving Success for Financial Institutions with Reliable and Proven Results.

100K+

Loan transactions per month

50+

New loans booked per day

70K+

Loans managed from
our system

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