Loan files move on paper, so onboarding and approval drag for days.
Digital KYC and a configurable origination workflow capture, score and approve applications in hours with a full audit trail.
Lending & NBFC operations
Originate, disburse and collect every loan on time.
Digital KYC, loan origination, EMI collection and field-agent workflows in one platform — EkaTantra runs the full lending lifecycle so portfolio quality stays high and PAR stays low.
14-day free trial · no card · no sales call
70%
faster loan onboarding
<2%
PAR with early alerts
100%
field collections posted same day
0
spreadsheets for portfolio reports
The problems we remove
Built around how a microfinance / nbfc actually runs.
Field collections are recorded in diaries and posted late.
A field-agent app captures repayments and receipts on the spot — even offline — and posts to the loan ledger the moment it syncs.
Delinquency creeps up before anyone notices the trend.
Live ageing, PAR buckets and bounce alerts surface at-risk accounts early so collection effort targets the right borrowers.
Interest, charges and write-offs are reconciled manually for reporting.
Reducing-balance or flat interest, fees and provisioning post automatically to the GL with RBI-ready portfolio reports.
Everything in one place
Made for microfinance & nbfcs.
Digital KYC & onboarding
Aadhaar/PAN capture, de-dup and verification with a documented, auditable trail.
Loan origination
Configurable application, credit scoring and multi-level approval with sanction letters.
Disbursement
Disburse to bank or wallet with schedule generation and first-EMI date control.
EMI collection
Reducing-balance or flat EMIs with auto-debit, receipts and part-payment handling.
Field-agent app
Offline-capable collection, KYC and visit logging that syncs to the loan ledger.
JLG & group lending
Form joint-liability groups, run centre meetings and track group repayment.
Delinquency & PAR
Live ageing, PAR buckets, bounce alerts and bucket-wise collection queues.
Provisioning & GL
Interest accrual, fees, write-offs and NPA provisioning post straight to the GL.
RBI-ready reporting
Portfolio, sectoral and regulatory reports compile from live loan data.
A day in the life
From first order to closing the books.
- 1
Onboard & KYC
Capture and verify borrower KYC with de-dup and an audit trail.
- 2
Originate
Score the application, approve through workflow and issue a sanction.
- 3
Disburse
Release funds to bank or wallet and generate the EMI schedule.
- 4
Collect
Agents collect in the field, online or offline, and post receipts.
- 5
Monitor
PAR buckets and bounce alerts flag at-risk accounts for follow-up.
- 6
Report
Provisioning posts to the GL and RBI-ready reports compile live.
“Origination dropped from days to hours and our field collections post the moment agents sync — PAR has never been this clean.”
Head of Operations · Microfinance institution (NBFC-MFI)
Questions, answered.
Does it cover the full loan lifecycle?
Yes — digital KYC, origination, disbursement, EMI collection, delinquency management and reporting all run on one platform.
Can field agents collect offline?
The field-agent app captures repayments, KYC and visits offline and posts to the loan ledger automatically when it reconnects.
Are JLG and group loans supported?
Joint-liability groups, centre meetings and group repayment tracking are built in alongside individual lending.
How is delinquency tracked?
Live ageing, PAR buckets and bounce alerts surface at-risk accounts early and feed bucket-wise collection queues.
Related industries