Loan Management System: Automate Servicing, Collections & Compliance
RBI Compliance
IRACP auto-classification, NPA reporting, and audit logs generated without manual work.
Portfolio Visibility
360° borrower view and real-time P&L tracking across all active loan products.
How AllCloud's LMS Closes the Gap:
AllCloud's loan management system was built to handle the full post-disbursement lifecycle on a single platform — not as an add-on to an existing LOS, but as a deeply integrated module within a unified lending stack. That distinction matters enorOnce a loan is disbursed, the real work begins. EMI schedules need to run on time. Repayment exceptions need to be caught early. Collections need to act before accounts slip into NPA territory. And through all of it, the RBI expects clean, audit-ready records.
For most NBFCs and MFIs, this post-disbursement lifecycle is where things quietly fall apart — not because of bad intent, but because the systems managing it were never designed to talk to each other. A loan management system that actually works in 2026 must do more than track EMIs. It must automate servicing, power intelligent collections, and ensure compliance runs in the background — without manual intervention at every step.
The Post-Disbursement Problem Nobody Talks About:
Ask any NBFC operations head where the bottlenecks live, and they will rarely say "origination." The real drag is servicing. Repayment schedules built in one system. Collections run from a separate tool. Accounting reconciled manually at month-end. NPA classification flagged only after the quarter closes.
Manual reconciliation consumes 30–40% of ops bandwidth in a fragmented lending stack — bandwidth that should be spent on growth, not spreadsheets.
Each disconnected step creates lag. Lag creates errors. Errors create compliance risk. By the time a loan hits early delinquency, the window to intervene proactively has already closed.
What a Modern LMS Must Handle:
Dynamic Repayment
EMI, bullet, flexi — configurable schedules with auto-adjustment on restructuring.
Active Collections
Automated dunning across SMS, email, and call — triggered by real-time repayment status.
mously in practice.
When the LOS approves a loan, the LMS is already updated. When a repayment is missed, the collections engine fires automatically — no overnight export, no manual trigger. When the month closes, accounting and regulatory reports are ready without ops intervention.
Dynamic EMI and bullet repayment schedules — configurable without code
Moratorium, restructuring, and write-offs handled in one click 360° borrower view across all active loans in real time.
NPA classification and IRACP auto-reporting built in eSign-integrated document hub — no physical file management.
Business rule automation — ops runs without manual handoffs API-first architecture — integrates with mobile apps and customer portals
Compliance as a Default, Not an Afterthought:
RBI's regulatory expectations around loan servicing — from KFS disclosures to fair recovery practices — require that compliance is embedded in the workflow, not added at reporting time. AllCloud's LMS generates audit-ready trails automatically at every transaction point. When a regulator asks for records, the answer is ready in seconds, not days. For NBFCs scaling their book across multiple products — personal loans, MSME lending, loan against property, microfinance — the ability to manage all loan types on one LMS without custom integration work per product is not a feature. It is the foundation.