Manage the entire post-sanction loan lifecycle without spreadsheet workarounds. Built-in repayment scheduling, automated mandate collections, and real-time accrual accounting for modern lenders.
Launch and service any credit product without engineering bottlenecks. Configure fixed, floating, step-up, bullet, or daily/weekly microfinance repayment schedules, and trigger automated single or multi-tranche disbursements directly from sanctioned LOS files.
Eliminate manual bank statement matching and unallocated suspense entries. Automatically present e-NACH, UPI AutoPay, and virtual account collections on due dates, reconcile settlements in real time, and apply RBI-compliant knock-off hierarchies automatically.
Run End-of-Day (EOD) interest accruals, fee amortization, rescheduling, part-prepayments, and foreclosures with zero manual calculations. Enforce daily RBI IRACP and Ind-AS DPD tracking with automated NPA classification and complete maker-checker auditability.
A quick look at how Rewafin runs the loan lifecycle after sanction.
Instant ingestion of sanctioned files from LOS, setting up repayment schedules, and triggering single or multi-tranche fund releases.
Automated generation of fixed, floating, or bullet repayment plans with zero-touch daily interest accruals and EIR calculations.
Direct submission of e-NACH, UPI AutoPay, and virtual account presentations with real-time settlement knock-offs.
Flexible mid-lifecycle servicing including part-prepayments, rate resets, tenure updates, and moratorium processing.
Automated loan foreclosure execution, instant digital NOC generation, and seamless 4-bureau submission files.
Disbursement & Schedule Engine
Ingest sanctioned loans straight from LOS to generate accurate repayment schedules across fixed, floating, step-up, or bullet structures—triggering instant single or multi-tranche payouts.
Collections & Mandate Management
Automate recurring EMI presentations across e-NACH and UPI AutoPay while reconciling virtual accounts, BBPS, and field cash receipts in real time against your appropriation rules.
Accounting & General Ledger
Maintain a double-entry lending sub-ledger with automated End-of-Day (EOD) interest accruals, EIR fee amortization, tax calculations (GST/TDS), and seamless ERP or Core Banking journal posting.
Loan Servicing & Restructuring
Execute part-prepayments, benchmark rate resets (EBLR/MCLR), tenure modifications, moratoriums, and early foreclosures seamlessly—with instant schedule recalculation and version history.
Asset Classification, Co-Lending & Reporting
Track borrower-level Days Past Due (DPD) across linked accounts for daily NPA tagging, manage 80:20 co-lending escrow waterfalls, and generate mandatory bureau and regulatory returns automatically.
Launch and scale lending products faster with configurable workflows and lower operational overhead.
Modernize lending across retail, SME and corporate segments with a secure, scalable platform.
Add a modern lending layer alongside your core banking system, keeping customer and account systems connected.
Deliver high-volume, low-ticket lending with simple, intuitive workflows designed for field and branch teams.
Underwrite housing loans with property, income and verification checks in one connected workflow.
Unify member share capital, deposit-linked loans, surety tracking and daily or pigmy collections in one connected workflow.
High-velocity digital onboarding with instant bureau/bank parsing and straight-through disbursal.
Underwrite MSME term loans and working capital using cash-flow, GST, and AI appraisal.
Branch and doorstep gold lending with digital purity appraisal, live LTV, and vault tracking.
Dealer-led vehicle financing with instant showroom approvals, payout, and RC/insurance tracking.
Coordinate borrower cash-flow appraisal, parallel legal-technical valuation, and title custody.
Assess students and co-borrowers with semester-linked college payouts and moratorium tracking.
Instant point-of-sale checkout approvals with brand subvention, no-cost EMI, and dealer settlement.
Offline-first JLG/SHG field onboarding, RBI household income checks, and center collections.
Crop-cycle and KCC lending with land-record verification and harvest-aligned repayment schedules.
Synchronize buyer underwriting, builder/project approvals, and construction-linked tranche disbursals.
API-first by design — pre-integrated with India's clearinghouses, sponsor banks, credit bureaus, and ERP systems so our LMS slots directly into your financial stack without rip-and-replace.
Payment, Clearing & Mandate Rails
Accounting, Bureaus & Core Stack
Multi-channel onboarding, automated KYC, and AI-assisted credit decisioning.
Run HR, payroll, corporate accounting, and GST/TDS compliance on your lending core.
Recover faster with AI-prioritized queues, omnichannel nudges, and geo-tagged field apps.
Automate partner loan allocation, split disbursements, and daily escrow reconciliation.
Spot portfolio stress early with live cohort dashboards and AI early-warning signals.
Enforce RBI policy rules in every workflow with immutable audit trails and live returns.
Still unsure? Our lending specialists are happy to walk through the specifics for your institution.
Talk to our teamFixed, floating, step-up and bullet schedules, plus daily and weekly microfinance repayment plans, with single or multi-tranche disbursements triggered straight from sanctioned LOS files.
e-NACH, UPI AutoPay, BBPS and virtual account receipts are matched in real time against your appropriation rules, so there is no manual bank statement matching or suspense backlog.
Yes. DPD is tracked daily against RBI IRACP and Ind-AS norms with automated NPA tagging, and 4-bureau submission files are generated automatically, with maker-checker controls and audit logs.
The LMS is API-first. It takes sanctioned files from the LOS and posts journals to your Core Banking system or ERP (Tally, SAP, Oracle, Frappe) without rip-and-replace.
Book a live walkthrough with our ERPNext consultants and see the LMS running against your own products and repayment rules.
