Loan servicing software India platforms give NBFCs a single system for repayment tracking, NACH and eNACH collections, overdue monitoring, and loan restructuring after disbursement. Finezza’s loan management software brings these functions onto one ledger so lending operations and collections teams work from the same loan record. This guide covers what loan servicing software does, the […]
Agentic AI in Loan Origination: What It Means for NBFC Workflows
Most AI in lending is, at its core, a sophisticated classifier. Point it at a bank statement and it identifies the document type; feed it a credit application and it scores against a risk model. The moment it finishes, a human steps in, reviews the output, makes a call, and pushes the application to the […]
What Breaks When Your LOS and LMS Don’t Talk to Each Other
Finezza’s view is that a loan origination system (LOS) and a loan management system (LMS) that do not share one data model fail in five predictable places, and each failure costs credit operations teams hours every month. This guide catalogues those failure modes and the structural fix, for NBFC leaders choosing lending software India teams […]
What Are Delinquency Buckets? A Guide to 30/60/90 DPD Classification
Overdue loan accounts don’t all look the same. A borrower who missed their Equated Monthly Instalment (EMI) by nine days is in a very different situation from one who hasn’t paid in four months. That difference matters for collections strategy, provisioning calculations, and regulatory reporting. Delinquency buckets give lenders a structured way to classify these […]
What Cooperative Banks Must Track for Related-Party Lending
When an RBI inspection team reviews a cooperative bank’s books, related-party lending is among the first areas they examine. Not because the loans are necessarily problematic, but because tracking gaps here compound quietly, and an incomplete recusal record from two years ago becomes a governance finding in the current audit cycle. The Punjab and Maharashtra […]
The Lending Stack a Co-Lending Partnership Actually Needs After RBI’s 2025 Directions
A compliant co-lending stack for Indian NBFCs now means a uniform 10% retention on both sides, automated joint underwriting, escrow-based settlement, and real-time asset classification sync. Finezza built this piece for the technology and lending-ops leaders who have to make that stack work before 1 January 2026, not just explain it in a board memo. […]