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Manage Portfolio

Loan Originating System

Why do you need this module?

Healthy, profitable lending doesn’t happen by accident—it’s built on smart portfolio management. The Manage Portfolio module is your all-in-one control center for tracking, analyzing, and fine-tuning your entire loan book in real time.

Every loan tells a different story—varying in risk, tenure, product type, and customer profile. Without a clear, unified view, it’s easy to miss early warning signs or overlook growth opportunities. This module gives your management and credit teams the insights they need to keep the portfolio healthy, spot potential risks early, and make confident, data-driven decisions.

Whether you want to segment by product, region, branch, or customer type, track non-performing assets (NPAs), or spot repayment trends, the Manage Portfolio module delivers the clarity you need. It also strengthens risk-based decision-making—helping you adapt lending strategies, recover faster, and maintain a portfolio that aligns with your institution’s risk appetite.

Now with Co-lending, BC & DSA Models

Building a bigger loan book doesn’t have to mean tying up huge amounts of capital. With Co-lending, Business Correspondent (BC), and Direct Selling Agent (DSA) models, you can expand your reach, lower your funding costs, and share risks—especially valuable for NBFCs and other loan companies.

Why it matters:

  • Lower cost of funds: Access cheaper capital through co-lending partnerships.
  • Higher loan volumes: Grow without shouldering the entire capital requirement.
  • Risk sharing: Spread exposure across partners instead of carrying it all alone.
  • Regulatory & strategic advantage: Meet compliance needs while gaining operational flexibility.
  • Better portfolio diversification: Balance your portfolio across products, geographies, and customer segments.

Key Features

Portfolio Intelligence

  • Real-time portfolio snapshots: instantly see active loans, repayments, closures, and disbursements.
  • Advanced risk analysis: track NPAs/NPLs, delinquency patterns, and high-risk accounts with alerts.
  • Custom segmentation: break down data by product, branch, tenure, demographics, and more.

Performance & Planning Tools

  • Trend tracking: repayment rates, defaults, recovery performance—always up to date.
  • Interactive dashboards: visualize complex data with intuitive charts and graphs.
  • Automated alerts: get notified about overdue payments, credit deterioration, or unusual activity.
  • Scenario simulation: test how economic or operational shifts could impact your portfolio.

Co-lending, BC & DSA Features

  • Manage one or multiple co-lenders from a single interface.
  • Assign specific products to each co-lender.
  • Handle customer disbursements and lender disbursements separately for accuracy.
  • Generate separate EMI schedules for customers and lenders.
  • Process lender EMIs individually or in bulk.
  • Instantly view lender-wise margins and profits.

By combining powerful portfolio management with flexible co-lending, BC, and DSA arrangements, your institution can scale faster, reduce risk, improve profitability, and keep your loan book in excellent health—all while staying ahead in a competitive market. """