Graviton’s Loan Management App Features That Make Lending Simpler

In India’s fast-evolving lending landscape, efficiency in field operations isn't just a competitive advantage—it's a necessity. Disbursing loans, collecting repayments, verifying customers, and gathering documents all require razor-sharp execution. For decades, field agents have relied on fragmented tools, offline processes, and gut instinct to get the job done. 

But things are changing. Graviton’s intelligent mobile suite, designed as a comprehensive loan management app, is transforming how NBFCs, fintechs, and banks manage their on-ground loan operations.

Imagine a field agent who doesn’t need four apps to complete a visit, or one who can verify a borrower, gather documents, report bugs, and submit a file—all in one flow. Graviton is engineered to eliminate inefficiencies, fraud, and guesswork by arming your field team with powerful tools that actually work in the field. 

Why the Field Needs More Than Just a Mobile App 

Traditional mobile tools used by loan officers and collection agents often suffer from fragmented processes, poor connectivity support, and limited security. Graviton fixes this by providing a single unified loan management app that enables:

• Real-time borrower verification 

• Paperless document collection 

• Fraud-proof visit validation 

• Seamless backend sync with LOS/LMS 

• Compliant e-signatures 

• Instant collection acknowledgment 

It’s not just a checklist of features—it’s a strategic tool built for lending terrain. Let’s go deep into what this suite enables — and how each feature drives operational excellence. 

1. Verified Visits: Authenticity at the Core 

Fraudulent field visits can cripple loan portfolios. Graviton’s mobile camera integration solves this with watermarked image capture. Every image taken by an RO or collection agent is automatically stamped with the user’s name, ID, timestamp, and GPS coordinates. The authenticity of the visit becomes irrefutable. 

This feature not only helps mitigate fraud but also provides confidence to underwriters and audit teams reviewing the field activity. When a borrower disputes a visit, the proof is just a click away—clean, structured, and embedded into the loan file. 

2. Multi-Image to PDF Conversion: Seamless Document Handling 

Field agents often collect numerous images of KYC documents, income proofs, and property papers. Graviton simplifies this process with a built-in one-tap conversion of multiple images into a single, clean PDF. This means agents don’t need to use external tools, upload photos one-by-one, or deal with messy file formats. 

The resulting PDF is standardized and automatically linked to the borrower profile in the system. It’s fast, compliant, and requires zero training—a dream for every operations manager. 

3. Screenshot-Based Bug Reporting: Instant Tech Feedback 

When something breaks in the field, time is of the essence. Graviton enables agents to capture a screenshot and instantly generate a developer-ready bug report. Along with the image, system metadata such as app version, user ID, and error logs are automatically included. 

There’s no need for long explanations or follow-ups. The tech team receives everything it needs in one go, reducing issue resolution time from days to minutes. 

4. One-Click Address Autofill: Eliminate Manual Entry Errors 

Graviton’s GPS-based address capture feature allows field staff to auto-fetch the customer’s location with one tap. This eliminates manual typing, reduces errors, and ensures the address is accurate to the pin-code level. 

This feature especially shines in rural and semi-urban areas where street names and plot numbers can be hard to track. With address autofill, accuracy is just a tap away. 

5. Aadhaar-Based Biometric E-Sign: The Future of Paperless Lending 

Graviton’s upcoming biometric Aadhaar integration is a game-changer. Field officers will soon be able to get instant, legally valid consent using a borrower’s fingerprint—without OTP delays or internet dependency. 

The biometric e-signature will allow loan documents to be executed on the spot, even in remote areas. It’s fast, frictionless, and fully compliant with digital lending norms. 

6. Liveness Detection: No Room for Impersonation 

To combat identity fraud, Graviton integrates AI-driven liveness checks. When capturing profile pictures or KYC images, the app ensures the subject is physically present. Static photos or previously saved images are flagged instantly. 

This protects both the lender and the borrower by creating a transparent trail of real-time verification. It also enhances audit credibility, particularly when compliance demands tighter identity checks. 

 

7. Background Upload: Designed for India’s Connectivity Challenges 

In many areas, network coverage is patchy or intermittent. Graviton’s background upload system ensures field agents can keep working without interruption. Documents are queued locally and uploaded once the network stabilizes. 

This means your field agents don’t need to wait for a bar of signal or worry about re-uploading files. It’s productivity without pause. 

8. In-App Support: Help, When and Where It’s Needed 

Sometimes, agents need immediate assistance. Whether it’s a technical snag or a process query, Graviton offers in-app support via SMS, call, or email—all accessible from a single screen. 

The system automatically fetches relevant logs and user data, ensuring that support teams have all the context they need. This reduces back-and-forth communication and gets your agents back on track faster. 

9. Instant Collection Receipts: Build Borrower Trust 

Trust is everything—especially in collections. With Graviton, agents can instantly generate and print a digital receipt after collecting payments. The receipt includes the borrower’s name, amount, date/time, and transaction ID. 

In areas where digital literacy is low, this small gesture creates massive goodwill. It also acts as proof of payment for both parties and reduces disputes. 

10. Biometric Login: Security at the Entry Point 

To ensure only authorized users can access sensitive customer data, Graviton supports biometric logins like fingerprint or face ID. This adds a strong security layer without complicating user access. 

In cases where devices are shared or lost, access can be revoked instantly from the admin panel, safeguarding data integrity. 

11. Draft Mode: Auto-Save for Your Loan Application 

Sometimes you may not have all the information or documents ready while filling out your loan application. That’s perfectly okay. 

With the built-in Draft Mode, everything you enter is automatically saved as you go. You can pause anytime, come back later, and continue from exactly where you left off—without losing a single detail. 

There’s no need to start over or worry about missing anything. It’s simple, seamless, and designed to give you complete flexibility while applying for your loan—at your pace. 

Built for the Field. Trusted by Institutions. 

What makes Graviton different isn’t just the features—it’s the intent behind them. Every module is built with on-ground reality in mind: poor connectivity, device constraints, time pressure, and regulatory scrutiny. 

The platform isn’t bloated with unnecessary features; it’s streamlined for efficiency. From LOS to LMS, collections to eKYC, the mobile suite is deeply integrated with backend systems, allowing institutions to: 

• Shorten loan processing time 

• Eliminate manual errors 

• Improve compliance 

• Empower agents to deliver more 

The Real Impact: Faster Loans, Happier Borrowers 

With Graviton, the turnaround time from field visit to file approval drops drastically. Field officers spend less time on repetitive tasks and more time building borrower relationships. Your operations team gains real-time visibility, while tech and compliance teams sleep easier. 

Most importantly, borrowers get a faster, more transparent, and trustworthy lending experience. 

Final Thoughts: Your Field Force Deserves Better 

In a world where mobile-first is no longer a luxury but a baseline, it’s time lending institutions rethink their field strategies. Graviton is more than a mobile app—it’s a growth engine that removes friction at every touchpoint. 

It empowers your team to work faster. Smarter. Safer. 

So the next time your field officer steps out, make sure they’re powered by a tool that was actually built for the field. 

Ready to modernize your lending operations? Book your Demo Today.