sales@cyrustechnoedge.com

NBFC Software - Modules & Features

Loan Software System settings

  • Company Settings
  • Branch Settings
  • Users Settings

Loan Plan

  • Loan Category
  • Loan Sub Categorys

Loan Disbursement Options

  • Single Step Disbursement
  • Fixed Multiple Step Disbursement
  • Variable Disbursement (Daily interest)


EMI Calculation

  • Compound Interest Monthly
  • Simple Interest Monthly
  • Daily Interest Calculation
  • Principal Outstanding
  • Principal Reducing
  • EMI Available: Monthly, Quarterly, Half Yearly, Yearly, interest only, Daily, Weekly, per 5 Days, Per 10days, Fortnightly
  • Principal and Interest bifurcation
  • Outstanding Per EMI
  • Step EMI

Customer Management (MIS)

  • All Customer Report
  • Search Customer and Accounts with Filtrations
  • Defaulters List
  • Due EMI according to customer
  • Customer Account History
  • Add Co-Applicant (Multiple)
  • Applied Customer Details
  • Application Tracking with CRM
  • Full process
  • Legal Process

Branch Management

  • Create Branch
  • Edit,View Branch
  • Branch Rights Settings
  • Daily Branch Working report
  • Total collection (Date-wise)
  • No.of accounts (Date-wise)
  • Excess Amount(Liabity Report)
  • Daily Branch Working report


One Time Charges

  • File Processing Charge
  • Service Charges
  • LOD Charges
  • DR Charges
  • Payment Bounce Charges

Executive Commission

  • Executive Level Commission per EMI
  • Executive/Collection Executive Commission per EMI (Fixed and Flat)
  • Executive Commission on Disbursement(Fixed and Flat)

Loan EMI Penalty

  • 2 type of Penalty (Fixed and Flat)
  • Penalty Concession
  • Payment Bounce Charges


Penalty Waiver

  • Penalty Waiver
  • Interest Waiver

Documentation

  • Document Category Creation
  • Document Name Creation
  • Set Documents According Loan Plan(Sub-Category)

Loan Closure settings

  • Full Loan Closure
  • Partial Pre Closure
  • Irregular Accounts Management-Move to Loan Recovery or Section 138


Users and Roles Management

  • Create New User (As Per Level)
  • Automatic Adviser Login Creation
  • Active and DE active user
  • User Role Level Rights Manager (Page Rights View, Add, Edit)
  • Specific User Rights Manager (Page Rights View, Add, Edit)

Location Master

  • Country Master
  • State Master
  • Active and DE active user
  • City Master
  • Area Master

Agent Login Management

  • Profile View
  • Change Password
  • Commission Detail
  • Loan Under Customer
  • Due EMI Under customer
  • Account Statement Under customer


Executive (Office or Outside) Management

  • Executive Post Master (Agent, Sales Executive Etc)
  • Executive Registration
  • Executive Edit Profile
  • Executive Verify by admin or Active
  • Upload Executives Photo and Signature
  • Executive Report with all Filtrations
  • Executive Direct Report
  • Executive Downline Report
  • Cancel Registration
  • Executive Rank Update - Manual
  •  Executive Self Business Report
  • Executive Team Business Report
  • Executive Total Business Report
  • Executive wise Customer report
  • Executive Commission Report
  • Executive Change Password
  • Executive Recover Password
  • Fast Executive Details Searching
  • Executive Bank Details update
  • Executive Nominee Details update
  • Activate / Deactivate Executive
  • Important Reports on Excel, Word, PDF Formats

Loan Accounts & Transactions Management

  • Customer Registration
  • Document Collection
  • Document Verification
  • Pending Management
  • CIBIL Upload and Verification
  • Legal Upload and Verification
  • Technical Upload and Verification
  • Credit Information Upload and Verification
  • Field Information Upload and Verification
  • Loan Temp Account Verification Levels FI
  • Edit Loan Account Before Verification
  • Generate Sanction Letters(Multiple)
  • Cancel Loan Account - Before Disbursment
  • Approve Loan as per Loan Disbursement Type
  • Loan Disbursement (Issue Loan) as per Loan Disbursement Type
  • Loan Approval Status by Customer
  • Agreement,Bond,Receipt, Sanction Letter Printing system

Loan Settlement and Loan Account Closure

  • Partial Pre-Closure with Lumpsum Amount
  • Full Pre-Closure
  • Reconstruction of Loan
  • PDC Cheque Detail
  • Cheque send to Bank for Clearing
  • Clear Cheque as per Bank Sheet
  • Pending Cheques Status
  • Loan Payment Chart
  • Loan EMI Payment
  • Variable Loan Collection
  • 2 Step Verification
  • Loan Account Details Statement
  • EMI Chart
  • Payment Options (Cash,Cheque, DD, NEFT)
  • Fast Searching with required Filtrations datewise, Executive wise, Plan wise, others
  • Daily Loan Collection Report
  • Check Bounce Process
  • Loan Account Report
  • Loan Defaulters Report
  • Loan Penalty Report
  • Pending EMI Report
  • Receipt Reversal


Customer Login Management

  • Customer Profile View
  • Change Password
  • Account Statement
  • Sanction Letter Print
  • Due EMI Report
  • EMI Receipt Print
  • EMI Chart
  • Application Track

Vehicle Loan (If Available)

  • Dealer / Vendor Management
  • vehicle Make Master
  • Vehicle type Master
  • Vehicle Category Mastert
  • Vehicle Color Master
  • Vehicle Make Model Master
  • Vehicle details
  • Vehicle Sale Purchase Loan
  • Vehicle Self Finance
  • Vehicle Insurance Funding
  • New Vehicle Purchase Loan

Payout and Commissions

  • Associate Commission/ Third Party Commission on Disbursement
  • Collection Charge on EMI
  • Level Commission on EMI
  • Auto Generation of Commission on Payment Entry
  • Generate Payout
  • Payout Verification
  • Payout Statement
  • Payout Closing Summary
  • TDS Report


SMS Integration

  • Loan Apply
  • Loan File Verification
  • Loan Approved
  • Loan Disbursement
  • Loan Repayment(EMI Receive)
  • Loan EMI Due
  • Agent Registration
  • Third Party Registration

Email Management

  • Loan Apply
  • Loan File Verification
  • Loan Approved
  • Loan Disbursement
  • Loan Repayment(EMI Receive)
  • Loan EMI Due
  • Agent Registration
  • Third Party Registration

Printing Management

  • Welcome Letter
  • EMI Receipt
  • Loan Allotment Letter
  • >EMI Chart Print
  • Statement Print
  • Sanction Letter Print
  • Form 34/35/138


Accounting Management

  • Create Ledger
  • Ledger Report
  • Voucher Entry on Loan transactions
  • Journal Voucher
  • Payment Vouchers
  • >Receipt Vouchers
  • Contra Vouchers
  • Voucher 2 Step Verification
  • Account Report
  • Voucher report
  • Day Book
  • Cash Book
  • Bank Book
  • Trial Balance
  • EBalance Sheet
  • P&L Account
  • Customer wise or loan application wise accounting

Android Application (Agents)

  • Free Download From Google Play
  • Agent Login
  • Change Password
  • Pay Installment
  • View Self Account Information
  • View Team Account Information
  • EMI Due related to Agent
  • Team Collection Report
  • Payout Information
  • Team Account Statement
  • EMI Chart of customer / Amortisation Schedule
  • Self-Loan Disbursements Report
  • Team Loan Disbursements Report
  • Total Business report
  • Agent Commission Reports
  • Logout

Payroll Management

  • Employee Information System
  • Employee Documentst
  • Office Shift Settings
  • Employee Salary Settings
  • Salary Heads Creation
  • Employee Assets Management
  • Employee Attendance
  • Make Salary
  • Generate Pay Slip
  • Advance Salary increment
  • Salary Report
  • Attendance Report
  • Advance Payment Report
  • Post Transfer
  • Edit Salary and Bank Details
  • Create Resources
  • Assign Resources
  • Relieving Letter
  • Experience Letter
  • Add Bonus
  • Leave Request
  • Leave Approval
  • Employee Report
  • Other Payroll Related Reports with Filtration
  • Employee Login and Logout Time settings


Android Application (Customer)

  • Free Download From Google Play
  • Customer Login
  • Change Password
  • Pay Installment (Optional)
  • View Account Information
  • Outstanding Report
  • Account Statement
  • EMI Chart
  • Loan Disbursements Report
  • EMI Due report
  • Logout

Central Stock Management

  • Product Master (Hardware,Stationary,Services)
  • Employee demand for product (Reqest form for product)
  • Demand:- i)Approve for demand. ii)Denied Demand
  • Pay Installment (Optional)
  • Approve list report in central stock with stock availabilty
  • Report for Stock management
  • Demand product allotment to department and branch and perticular person

Flow of stock Management

  • Category product
  • Sub Category (Set master depriciation charges for all sub-sub category)
  • product manage with Quantity wwise, serial wise( like hard disk serial number,bond serial number etc )
  • search product detail by serial number
  • Challan print (will provide by client)
  • Return stock with depriciation deducttion
  • Invoice Print
  • Multiple invoice paid by one paymentt


CRM (Inquiry & Sales)

  • Lead Master And Settings
  • Lead Creation
  • Lead Followup
  • Lead Assign / Reassign
  • >Lead History
  • MIs Reposting

Gold Loan (If Available)

  • Gold Item Master
  • Gold Cost Per Gram
  • Gold Plan Creation (Set Max Value in Percentage)
  • Gold Loan Calculator
  • old Reports

Property Loan / Housing Loan (If Available)

  • Builder Registration
  • Builder Banks (Multiple)
  • Builder Projects
  • Builder`s CLP ( Construction Link Plan)
  • Builder`s CLP Percentage Setting
  • Fixed Multiple Step Disbursement to Builder Direct (Third Party)


Utilities

  • Support System
  • Website Management
  • Photo Gallery
  • Video Gallery

POS Machine Integration

  • Export data of Customer to POS
  • Collect Installment via POS
  • Import Data from POS
  • 2 step Verification of POS Collection
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