Loan Management System
From disbursement to closure — fully automated
GammaScale's LMS is the digital bridge connecting your core lending software to every external service — automating the entire loan lifecycle from first disbursement to final repayment with real-time dashboards, smart collections, and zero manual intervention.
LMS Lifecycle in 5 Steps
A fully automated loan management journey — from disbursal to closure — with zero paperwork and zero delays.
Loan Disbursal
Instant fund transfer via IMPS/UPI/NEFT post-sanction, with auto-ledger entry and borrower notification.
EMI Scheduling
Automated repayment schedule generation with flexible tenure, interest type, and moratorium support.
EMI Collection
NACH/e-mandate auto-debit, UPI Autopay, and payment gateway integrations for seamless collections.
Delinquency Management
Smart NPA detection, automated dunning workflows, and escalation triggers with configurable DPD rules.
Loan Closure
Auto-NOC generation, final settlement processing, lien removal, and closure confirmation to bureaus.
What Powers Our LMS
Every capability your team needs — from EMI tracking to regulatory reporting — in one unified, plug-and-play platform.
Real-Time Loan Dashboard
Live portfolio view with loan-wise outstanding, DPD buckets, collection efficiency, and PAR metrics — all in one screen.
Automated EMI Collection
NACH/ENACH, UPI Autopay, and payment gateway integrations handle collections automatically — no manual follow-up needed.
Smart Dunning Engine
Configurable DPD-based SMS, WhatsApp, IVR, and email reminders. Escalation workflows triggered automatically on overdue loans.
Regulatory & MIS Reporting
Auto-generated bureau reporting (CIBIL, Experian), RBI returns, and customisable MIS dashboards for management and auditors.
A Complete LMS Ecosystem
Whether you are an NBFC, bank, or fintech — our LMS adapts, scales, and performs across any loan product and volume.
Loan Ledger Module
Accurate, real-time ledger for every loan account — interest accrual, prepayments, and adjustments auto-posted.
Disbursement Module
Seamless fund release via IMPS/NEFT/UPI with bank integration, maker-checker controls, and audit trail.
Collection Module
Automated NACH, UPI Autopay, payment gateway, and manual collection workflows for every repayment channel.
NPA & Recovery Module
Automated NPA classification, provision calculation, legal trigger workflows, and recovery tracking.
Reporting & Compliance
Bureau uploads, RBI regulatory returns, income recognition, and configurable MIS reports on demand.
Integration Hub
Pre-built connectors for payment gateways, bureau APIs, accounting systems, and core banking platforms.
LMS Performance Dashboard
Real-time analytics across your entire loan portfolio — collections, EMI health, NPA tracking, and disbursement trends.
DPD Bucket Breakdown
Loan Product Mix
Collection Channels
Automate Your Loan Portfolio Today
Join leading NBFCs, banks, and fintechs managing millions of loan accounts with GammaScale LMS.