India’s Smartest Loan Management Software for NBFCs and Agencies
The smartest way for NBFCs, MFIs, DSAs and collection agencies to run loan origination, EMI tracking and recovery — all in one lending lifecycle platform.
The smartest way for NBFCs, MFIs, DSAs and collection agencies to run loan origination, EMI tracking and recovery — all in one lending lifecycle platform.
LoanMatrix is a cloud-based loan management software purpose-built for NBFCs, Microfinance Institutions, DSA agencies, and collection companies across India. From lead capture, KYC and RBI-compliant NPA/SMA classification to EMI tracking, Aadhaar/PAN/CIBIL verification and digital eSign — manage your entire lending lifecycle in one platform.
Designed by Netspace Software Solutions, LoanMatrix replaces error-prone spreadsheets and disconnected tools with a unified, mobile-ready system that your field agents, back-office teams, and management can all use — with complete role-based access and real-time data.
We don't ask you to commit on day one. We ask you to try, test and confirm — then decide.
Our policy is simple — book a free 30-day demo and run LoanMatrix on your real workflow. Only once you're 100% sure it works for your business, you move ahead with a purchase. No pressure, no upfront commitment.
No confusing plans, no hidden charges. Contact our team for purchase pricing built to be affordable for growing NBFCs, MFIs, DSAs and collection agencies — starting well within your budget.
Your requirement, your rules. Tell us how your business works — our development team customizes LoanMatrix around your exact process, not the other way around.
Manage loan operations, EMI collections, field staff and recovery workflows with one smart lending platform built for modern NBFCs and agencies.
Whether you operate an NBFC, Microfinance Institution, DSA network, or Recovery Agency, LoanMatrix adapts to your lending workflow and business scale.
Purpose-built for NBFCs, MFIs, Cooperative Societies and Credit Institutions managing loans at scale.
Streamline lead sourcing, agent productivity and commission tracking from a centralized platform.
Manage collections, field recovery operations and verification workflows with real-time visibility.
LoanMatrix delivers tangible results — from reducing NPAs to saving management hours on reports. Our clients across India report significant improvements in collection efficiency, loan processing time, and staff accountability within the first 60 days of going live. Here is what LoanMatrix delivers for each stakeholder in your lending business.
LoanMatrix helps NBFCs automate compliance-critical workflows, reduce human error, and maintain complete audit-ready documentation at all times — without extra administrative overhead.
DSA agencies and sourcing companies using LoanMatrix report faster lead-to-disbursement turnaround, more accountable agent teams, and zero confusion on commission calculations.
Field collection and recovery agents using LoanMatrix's mobile app complete more cases per day, update outcomes in real time, and work even in areas with poor internet connectivity.
Business owners and senior management using LoanMatrix make faster, data-driven decisions with accurate real-time dashboards — without waiting for team-prepared reports.
Reduce NPAs and EMI default rates with secure reporting and audit-ready management.
Centralized loan tracking with automated EMI reminders and staff monitoring tools.
Track overdue accounts and update recovery activities directly from the mobile app.
Get complete visibility on cashflow, reports and operational performance instantly.
LoanMatrix is not just one software — it is a family of specialised loan management tools, each designed for a specific segment of India's lending ecosystem.
Whether you run an NBFC processing thousands of loans monthly, a microfinance institution serving rural borrowers through group lending, a DSA agency managing sales agents, or a collection agency chasing NPA accounts — there is a LoanMatrix product built exactly for your workflow. All products share a common technology foundation built by Netspace Software Solutions, ensuring consistent security, uptime, and support.
India's dedicated collection agency software — manage field agents, assign NPA recovery cases, track visit history, and collect EMIs with a powerful offline-capable mobile app.
Ideal for recovery agencies handling high volumes of defaulted accounts. Supervisors can assign buckets, set daily targets, and monitor agent location and visit outcomes in real time.
Explore NetCollektPro →Complete loan management system for NBFCs and microfinance institutions — from digital KYC and loan origination to EMI scheduling, disbursement, and MIS reporting.
Supports unlimited loan products with custom ROI, tenure, processing fees, and penalty rules. Includes group lending and center meeting management.
Explore for MFIs & NBFCs →Lightweight and affordable loan management software for cooperative societies and private financiers — go fully digital without heavy infrastructure cost.
Designed for lenders processing 50–500 loans monthly with borrower onboarding, EMI collection, payment receipts and field mobile app.
Explore for Small Finance →Manage every stage of your lending operations — from customer onboarding to EMI recovery — through one smart and connected system.
Capture leads, verify KYC documents and onboard customers digitally.
Manage applications, approvals, disbursement and repayment setup.
Track EMIs, automate reminders and manage collection workflows.
LoanMatrix eliminates the need for multiple disconnected tools. Every module is deeply integrated — data flows automatically across lead, loan, collection, and HR functions.
From the moment a loan lead enters the system to the final EMI collection and NPA closure — every step is tracked, automated, and reportable.
Lead capture, pipeline tracking and agent assignment.
Digital KYC and approval workflow management.
EMI reminders and payment tracking system.
Real-time reports and branch-wise tracking.
Capture loan leads from multiple sources — walk-ins, referrals, online campaigns — and assign them to agents with a single click. Track every lead through your entire sales pipeline with automated status updates and conversion analytics. With LoanMatrix Lead Management, you can set lead quality scores, track source-wise conversion rates, and identify which agents and channels are delivering the best results — enabling smarter resource allocation and higher loan disbursement volumes.
Process loan applications digitally from start to finish — collect applicant data, verify KYC documents, run credit checks, get approval through a configurable workflow, and disburse — all in one connected system. LoanMatrix supports Aadhaar-based eKYC, manual KYC photo upload, credit bureau checks, co-applicant and guarantor management, and multi-level approval chains. Every step is timestamped, creating a complete and audit-ready disbursement record.
Auto-generate EMI repayment schedules at disbursement, record payments in real time, send automated WhatsApp and SMS reminders before due dates, and handle late payment penalties — with zero manual calculation. LoanMatrix supports flat and reducing balance interest calculations, bullet payments, partial prepayments, and loan restructuring. Every payment is linked to a digital receipt. Overdue accounts are automatically flagged for collection team follow-up.
Generate instant MIS reports — daily collection summaries, monthly disbursement reports, branch-wise performance, NPA ageing, and agent productivity — all exportable to Excel or PDF in one click. Set monthly targets for disbursement and collection at branch and agent level, then track achievement in real time. LoanMatrix dashboards update live — so you always know exactly where your loan portfolio stands, without waiting for end-of-day reports.
Powerful automation features designed for modern lending businesses, NBFCs and agencies.
Built to simplify lending operations with automation, scalability, and modern technology designed specifically for Indian finance businesses.
Purpose-built for NBFCs, MFIs, DSAs, and collection agencies.
Access operations anytime from desktop, tablet, or mobile.
Grow your lending business without changing systems.
Hear from NBFCs, collection agencies, MFIs, and DSA teams who have transformed their operations with LoanMatrix.
"LoanMatrix completely changed how we manage EMI collections. We were running entirely on Excel and WhatsApp — now everything is automated."
"Field agents now update recovery status directly from the app — no more end-of-day phone calls. Supervisor visibility is finally real-time."
"The group lending module and offline mobile app made our center meeting process completely digital. Support during onboarding was excellent."
"The MIS reports alone saved our accounts team hours every week. Branch-wise summaries are now ready in under a minute."
"LoanMatrix gave us automatic commission calculation and agent-wise productivity tracking. Our team is far more accountable now."
"The WhatsApp EMI reminder feature noticeably improved repayment numbers. Implementation was smooth and fast for our team."
Find answers to common questions about LoanMatrix smart lending platform.
LoanMatrix is a cloud-based, end-to-end loan management software for NBFCs, MFIs and Co-operative Societies, with 27+ modules covering lead management, KYC, loan lifecycle, EMI collection, recovery and RBI-compliant reporting.
Yes. LoanMatrix can be hosted on your own server or a private cloud, so no data is shared with third parties. All data is encrypted in transit over HTTPS, with password + optional OTP login and auto-logout for inactive sessions.
Yes. LoanMatrix auto-generates the full EMI amortization schedule at disbursement and sends automated pre-due, final and overdue reminders over WhatsApp, SMS and Email — no manual follow-up needed.
Yes. Loans are automatically classified per RBI guidelines based on Days Past Due — Standard, SMA-0/1/2, Sub-Standard, Doubtful and Loss — with automatic provisioning calculation for each category.
Yes. Customers can pay more than the regular EMI or close the loan early, and the outstanding balance adjusts automatically. Loans are auto-closed once a prepayment covers the full outstanding amount.
Yes. LoanMatrix integrates UIDAI-authorized Aadhaar/PAN verification APIs and pulls CIBIL, Experian, CRIF or Highmark credit bureau reports with one click, including automatic loan-eligibility interpretation based on the credit score.
Yes. The Collection Agent app (Android 5.0+ / iOS 13+) lets field agents view daily collection lists, record payments with GPS location and photo proof, work fully offline, and syncs automatically once back online.
Yes. The Member Self-Service Portal lets customers securely log in via OTP or password to view loan summaries, EMI schedules, payment history and interest certificates — without calling your office.
Yes. LoanMatrix supports API-based eSign via Digio, LeegAlity or eMudhra using Aadhaar OTP authentication, legally valid under the Information Technology Act, 2000, with a signature-pad fallback for testing.
LoanMatrix provides 4 user portals — Admin, Employee, Collection Agent and Member — with role-based and branch-wise access control, so staff only see the data relevant to their branch and role.
Yes. LoanMatrix is built to scale from a single branch processing a few dozen loans to multi-branch NBFCs with thousands of accounts, with pricing structured to be affordable for small and growing finance companies.
Yes. LoanMatrix offers a free 30-day demo so you can test it on your own workflow before paying anything, with pricing built to fit small and mid-sized NBFC budgets — contact our team for a quote based on your loan volume.
Yes. The Collection Agent mobile app works offline, captures GPS location and photo proof of payment, and syncs automatically once back online — built specifically for field collection teams across India.
Yes. LoanMatrix supports vehicle loan management with flexible EMI structuring, PDC (post-dated cheque) tracking, and field recovery tools — suited for two-wheeler, four-wheeler and used-vehicle finance.
Yes. LoanMatrix includes role-based agent panels for field and collection staff, plus multi-branch management with branch-wise data isolation, so each branch only sees its own loans and collections.
Yes. The Collection Agent app captures GPS location and photo proof at the time of each visit or payment, giving supervisors real-time, verifiable visibility into field recovery activity.
Yes. LoanMatrix works well for new and growing lending businesses in India — you can start with core modules like lead management, KYC and EMI collection, and scale up to the full 27+ module platform as your loan book grows.
Yes. LoanMatrix supports group lending workflows for SHGs and JLGs alongside standard NBFC lending, with both group-level and member-level tracking, making it suitable for MFIs and rural finance companies.