Graviton LMS Features: The Complete Guide to Next-Gen Smartest Loan Management System

In today’s digital lending environment, operational precision, flexibility, and compliance are more critical than ever. Graviton LMS was built not just to automate but to transform the way lending institutions manage their entire loan lifecycle. From configuring disbursement logic to auto-accounting for repayments and managing risk through real-time reports, Graviton goes beyond the basics.  

This blog will delve deeply into the most impactful features of Graviton Loan Management System and how they help lending institutions achieve smarter, faster, and more compliant operations. 

Key Features of Graviton's Loan Management System

1.Tranche Disbursement Logic 

Lending often requires disbursing funds in structured stages. Graviton LMS’s Tranche management module supports three key tranche types: 

• Hold Tranche: Funds are approved but released only after conditions are met (e.g., KYC, documentation, collateral verification). 

• Multiple Tranches: For staggered disbursement across defined timelines or project stages. Ideal for project-based loans or construction finance. 

• Split Tranches: Breaks a disbursement into multiple categories (equipment, services, fees) and auto-accounts them separately. 

Graviton automates ledger entries for each tranche, tracks disbursement conditions, and maintains clear audit trails, eliminating manual dependencies. With multi-dimensional control over tranche logic, institutions can reduce disbursement delays and eliminate compliance gaps. It also enables proactive fund management by mapping tranches to project milestones, improving borrower transparency and disbursal predictability. 

2.Advanced EMT (Equated Monthly Term) 

Beyond standard EMI calculations, Advanced EMT in Graviton enables customized structuring of repayment schedules based on business logic. It can incorporate: 

• Grace periods 

• Interest-only periods 

• Stepped EMIs 

• Repayment holidays 

Financial institutions can model multiple repayment strategies before finalization using real-time simulations,especially useful for high-ticket commercial loans. The system uses dynamic recalculation logic, ensuring that even after restructuring, interest accruals and repayments remain accurate. 

The embedded what-if analysis tools allow institutions to evaluate risk exposure under varying economic scenarios, which is crucial for underwriting complex financial instruments or tailoring loan programs for sectors like education, real estate, or agriculture. 

3.Broken Period Interest Calculation 

When a loan is disbursed mid-cycle, interest needs to be calculated for the partial duration, this is where broken period interest comes in. Graviton supports flexible broken period setups: 

• Fixed or variable interest basis 

• Monthly/quarterly interest cycles 

• Accounting-based adjustments on accrual vs. realization 

This precision ensures fair borrower billing while maintaining regulatory accuracy. The feature seamlessly syncs with downstream accounting and borrower communications, ensuring full transparency. It eliminates guesswork and improves trust by communicating interest charges with granular accuracy. 

4.Auto Accounting 

Graviton LMS features a fully integrated auto-accounting engine that eliminates the need for external bookkeeping. Every disbursement, repayment, interest accrual, penalty, or fee gets auto-mapped to the appropriate general ledger. It handles: 

• Real-time journal entries 

• Balance sheet impact 

• Trial balance synchronization 

• Accrual-based tracking 

  
  

5.Excess Payment Handling 

Graviton LMS intelligently manages situations where borrowers pay more than their scheduled EMI or outstanding amount. The system automatically detects and allocates excess payments based on configurable business logic. It supports: 

• Advance EMI adjustment 

• Principal prepayment 

• Suspense account holding 

• Fee or penalty settlement 

This feature ensures accurate accounting, reduces manual effort, and improves borrower transparency by clearly reflecting excess payments in ledgers and reports. 

6.Compound Interest (CI) Management 

Graviton supports three types of CI calculations: 

• Flyer CI: Applied periodically on principal only. 

• Declining CI: Applied on reducing principal balance. 

• Compound CI: Interest applied on both principal and accrued interest. 

Each is configurable per product to match the institution’s credit policy. Interest models can be set to daily/monthly compounding and get reflected automatically in customer schedules and ledgers. The flexibility supports personalized financial products and reduces backend reconfiguration time. 

7.Admin-Level Configuration 

Every lending product can be configured at an admin level with logical conditions, workflows, and compliance gates. Admins can: 

• Define approval workflows 

• Set business rule validations 

• Apply product-based logic (e.g., NPA rules, auto debits) 

It’s not just configuration, but rule-based governance at scale. Admin-level controls ensure institution-wide standardization while enabling granular control at a product or user level. 

8.Messaging Engine

Graviton features an in-built messaging engine for operational alerts, borrower reminders, and compliance notices. It supports: 

• Email, SMS, WhatsApp templates 

• Trigger-based communications 

• Event-based escalations 

For example, a disbursement completion auto-triggers borrower notification and sends collateral documentation to internal compliance. The messaging system ensures that important communication doesn't fall through the cracks—improving operational efficiency and borrower experience. 

9.Loan Restructuring 

Graviton provides full support for restructuring of loans under stress: 

• Tenure extensions 

• Interest rate changes 

• Principal moratoriums 

It generates new loan agreements, tracks restructured accounts separately, and adjusts backend ledgers accordingly without impacting prior accounting. Restructuring logic is audit-compliant and fully traceable, aligning with RBI and other regulatory frameworks. 

10.Rescheduling Engine 

When borrowers need to adjust payment timelines due to cash flow issues, Graviton’s rescheduling feature provides: 

• Flexible due date modifications 

• EMI recalculations 

• Ledger balancing 

This is critical for MSME clients who face irregular income cycles. Graviton ensures such changes do not disrupt financial reporting and keeps both internal and external stakeholders aligned. 

11.Non-Performing Asset (NPA) Automation

The system dynamically tracks DPD (Days Past Due), flags NPA accounts based on regulatory rules, and auto-classifies them. Reports include: 

• Account age-wise DPD buckets 

• Provisioning calculations 

• Audit-ready status logs 

This reduces compliance risk and helps prepare for audits or inspections with no manual effort. With automated NPA flagging and reporting, institutions ensure zero-delay in compliance. 

12.Delinquency Bucket Manager 

This module automatically segments overdue accounts into age-wise buckets (30, 60, 90, 180+ DPD). Based on bucket logic: 

• Collection priorities are set 

• Alerts and reminders are auto-scheduled 

• Legal notices or restructuring can be triggered 

It streamlines collections by focusing effort where it matters most. Coupled with analytics, it helps institutions predict collections performance and optimize field force deployment. 

13.Interactive Accounting Reports 

All reports are filterable, exportable, and interactive in Graviton. Users can: 

• Drill down from summary to transaction 

• Customize columns and views 

• Export to Excel/PDF/CSV 

Reports include Trial Balance, General Ledger, Borrower Aging, and more. The interactive UI reduces time spent on financial audits and internal reviews. 

14.Balance Sheets and Journals 

The platform auto-generates: 

• Dynamic balance sheets 

• Income statements 

• Journals with narration and tag support 

These can be synced directly with external ERPs or accessed via API. Journals support segment-wise and region-wise tagging, aiding large-scale operations in geographic or departmental analysis. 

15.Comprehensive Report Engine 

Apart from MIS and accounting reports, Graviton supports: 

• Custom dashboard creation 

• Portfolio risk heatmaps 

• Lending funnel analysis 

These provide insights beyond operations—into performance, efficiency, and risk. Each report is exportable and supports scheduling for automated reporting to stakeholders. 

16.Product-Based Accounting 

Each product can have its unique accounting structure. Graviton supports: 

• Interest and fee buckets per product 

• Custom GL mapping 

• Product-wise provisioning and NPA logic 

This makes it easy for institutions to scale across diverse offerings without complexity. The flexible architecture allows adding new products without overhauling existing financial structures. 

Final Thoughts 

Graviton LMS isn’t just a system of record, it’s a system of intelligence, helping lenders manage risk, scale operations, and deliver exceptional borrower experiences. Whether you’re handling 1,000 or 1 million loans, Graviton adapts to your process, ensures audit-readiness, and future-proofs your operations. 

From compliance-driven automation to intelligent disbursement logic and robust accounting capabilities, Graviton LMS delivers the depth, agility, and scalability needed in modern lending ecosystems. It empowers institutions to stay ahead—not just by processing loans faster but by making each decision more strategic, auditable, and borrower-centric. 

See how Graviton LMS fits into your workflow: Schedule a demo