⚡ #1 Cloud Personal Loan Software in Tamil Nadu & Pondicherry

Instant KYC & Paperless Onboarding

100% paperless applicant onboarding. Verify Aadhaar via OTP e-KYC, PAN card verification, Voter ID validation, Video KYC (V-KYC), and Central KYC (CKYC) registry integration for fast, fraud-free applicant verification.

CIBIL & Credit Bureau Integration

Automated real-time credit score pulling from CIBIL, Experian, HighMark, and Equifax. Evaluate applicant credit history, existing active loan obligations, credit utilization ratios, and DTI (Debt-to-Income) scores instantly.

Income & Bank Statement OCR Reader

Automated bank statement analysis using RBI Account Aggregator (AA) framework and OCR statement parsing. Automatically calculate net monthly salary credit, average monthly balance (AMB), bounce cheque frequency, and recurring commitments.

Digital e-Sign & Tamil Nadu e-Stamping

Execute legally binding loan agreements digitally with Aadhaar e-Sign (NSDL / CDSL) and SHCIL e-Stamping for Tamil Nadu state stamp duty compliance. Eliminates physical paper agreements completely.

Instant IMPS/NEFT Bank Disbursement

Disburse approved loan amounts directly into the borrower’s validated bank account within seconds using integrated payment gateway APIs (Razorpay, Paytm, Cashfree, ICICI e-Collections, HDFC Direct Banking).

e-NACH Auto-Debit & UPI AutoPay

Automate monthly EMI recovery with NPCI e-NACH e-mandates, debit card mandates, UPI AutoPay, and payment gateway links. Automate SMS & WhatsApp payment reminders 3 days prior to EMI due date.

Field Agent Collection Mobile App

Doorstep collection app for recovery agents. Connect handheld Bluetooth thermal receipt printers, collect cash or UPI payments, record offline transactions, track agent GPS locations, and issue instant digital receipts.

Automated Debt Recovery & Legal Notices

Manage overdue personal loan accounts with automated DPD (Days Past Due) tracking, SMA-0/1/2 delinquency buckets, automated WhatsApp recovery reminders, and legal demand notice generation for default accounts.

RBI Compliance & Financial Accounting

Double-entry core accounting system with NPA asset classification compliant with RBI guidelines for NBFCs. Generate automated credit bureau reporting files (CIBIL, Experian) and trial balance / P&L statements.

5-Step Automated Personal Loan Processing Workflow

Experience complete paperless digital lending automation from application to full loan closure.

1. What is Personal Loan Management Software?

It is a cloud-based financial software that automates the lifecycle of personal loans—from digital lead capture, Aadhaar e-KYC, CIBIL bureau scoring, bank statement OCR, e-Sign agreement execution, instant IMPS disbursement, to e-NACH auto-debit collection and NPA accounting.

2. How does CIBIL integration work in AMY Fintech software?

Our software connects directly via official APIs to CIBIL, Experian, HighMark, and Equifax. With borrower consent, credit scores and full credit reports are fetched within 5 seconds to evaluate active debt, repayment history, and DTI ratios.

3. Does the software support e-NACH auto-debit EMI collection?

Yes! AMY Fintech integrates NPCI e-NACH, net banking mandates, debit card mandates, and UPI AutoPay. On the due date, monthly loan EMIs are automatically debited from borrower bank accounts without manual follow-up.

4. Can field agents collect EMI cash payments on doorstep?

Yes. Our Android Field Agent App allows recovery officers to collect EMI payments in cash or via dynamic UPI QR code, print receipts via Bluetooth thermal printers, and sync transactions to central server in real-time.

5. Is the software compliant with RBI guidelines for NBFCs?

Absolulytely. AMY Fintech features automated NPA asset classification (SMA-0, SMA-1, SMA-2, Sub-Standard, Loss), automated CIBIL monthly submission files, Fair Practices Code compliance, and C-KYC registry reporting.

6. How fast can we go live with AMY Fintech Personal Loan ERP?

Our cloud software can be deployed and fully operational within 24 to 48 hours, including master data import, staff role permissions setup, payment gateway API linking, and staff training.