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    Platform Features

    85+ features across 15 modules — everything you need to run a complete microfinance operation from a single platform.

    85+
    Total Features
    15
    Modules
    100+
    API Endpoints
    27+
    Feature Toggles

    Core Loan Management

    13 features

    Complete lifecycle management for all loan types — from origination and disbursement to repayment tracking and closure.

    Daily Loans

    Create, track, and collect daily repayment microfinance loans

    Weekly Loans

    Weekly collection cycle loans, with optional custom per-week stepped amounts

    Monthly & Semi-Monthly Loans

    Monthly and twice-monthly collection cycles for salaried and business borrowers

    EMI Loans

    Equated installments with 15-day/30-day variants, foreclosure and tenure controls

    Interest-Only Loans

    Kandhu vatti / byaj — simple, compound, or daily interest, with optional weekly cadence

    Gold Loans

    Gold-backed loans with live per-gram rate, valuation, and redemption tracking

    Product-Based Loans

    Loans tied to physical products with photos, pricing, down payments, and category management

    Loan Renewal

    Seamlessly renew completed or active loans

    Repayment Schedules

    Auto-generated repayment plans for each loan

    Loan Progress Tracking

    Visual progress of loan completion with monthly breakdowns

    Loan Closure Cards

    Summary cards for completed loans

    CSV Bulk Import

    Import multiple loans at once via CSV upload

    Loan Deduction Config

    Configurable deduction rules (commission, insurance, processing fees) applied automatically

    Collection & Payments

    5 features

    Track every payment, generate receipts, and reconcile cash — daily and weekly collection workflows built for the field.

    Daily Collection Tracking

    Record daily payments against loans

    Weekly Collection Tracking

    Record weekly payments against loans

    Payment Receipts

    Generate PDF receipts for each payment

    Payment History

    Full payment trail for every loan

    Admin Cash Settlement

    End-of-day cash reconciliation between field staff and admin

    Route Management

    4 features

    Plan collection routes, assign them to staff, and track completion with real-time collection totals.

    Daily Routes

    Plan and assign daily collection routes to staff

    Weekly Routes

    Plan and assign weekly collection routes to staff

    Route Items

    Add/remove loans and customers to routes

    Route Completion Tracking

    Mark routes as completed with collection totals

    Customer Management

    7 features

    Full customer records with profiles, verification, documents, GPS locations, and relationship linking.

    Customer Profiles

    Full customer records with profile photos

    Customer Verification

    Verify customer identity and details

    Customer Locations

    GPS-based customer location tracking

    Customer Documents

    Upload and manage KYC/identity documents

    Customer Contacts

    Store family/friend contact information

    Customer-Staff Linking

    Assign customers to specific field officers

    Customer-Referee Linking

    Link guarantors/referees to customers

    Reporting & Analytics

    9 features

    Dashboards and detailed reports covering collections, officer performance, P&L, overdue tracking, and more.

    Dashboard

    Key metrics overview — active loans, collections, disbursements

    Staff Route Overview

    Admin view of all staff activity for the day

    Officer Performance Reports

    Collection efficiency, attendance, route stats, expense breakdown per officer

    Collection Summary Reports

    Period-wise collection data with officer and loan-type breakdowns

    Profit & Loss Reports

    Revenue breakdown, cost analysis, portfolio health, trend tracking

    Advance Balance Reports

    Staff-wise outstanding cash advance balances

    Overdue Loan Reports

    Track overdue customers and amounts

    Staff-Wise Collection Reports

    Per-staff collection performance

    Daily Collection Reports

    Day-by-day collection details

    Referee / Guarantor Management

    2 features

    Manage guarantors and referees who provide security for loans, with full linking to customer records.

    Referee Records

    Manage guarantors/referees for loan security

    Referee-Customer Linking

    Associate referees with specific customers

    Product Catalog

    3 features

    Manage products for product-based loans with categories, photos, and pricing.

    Product Categories

    Manage categories for product-based loans

    Product Photos

    Upload product images for product loans

    Product Pricing

    Track product price, down payment, and loan amount

    Chit Funds & Savings Schemes

    5 features

    Run chit funds and shop savings schemes alongside your loan book — the same customers, staff, and cash, in one platform.

    Agent Chit (Chit Funds)

    Chit groups, members, cycles, and collections in one module

    Foreman Commission

    Flat per-member or percentage-of-contribution, with per-collection late fees

    Savings Chit Schemes

    Festival and deposit schemes (e.g. Diwali) with daily/weekly/monthly deposits

    Maturity Payout

    Auto-computed or fixed maturity in cash or goods, with redemption tracking

    Chit Reminders

    Per-collection WhatsApp reminders to chit members

    Funding & Investors

    4 features

    Track the money behind the money — partner capital and borrowed funds — so you see what the business owes alongside what it lends.

    Investor / Partner Capital

    Track partner capital contributions and profit-share

    Financier Borrowings

    Record owner borrowings with fixed monthly interest owed

    Interest & Principal Repayments

    Log interest payments and principal returns per financier

    Owner Liability View

    See funding liabilities alongside the lending portfolio

    Automation & AI

    6 features

    Vasool AI turns one voice recording into an app action, scores credit risk, and sends reminders — so the field team does less typing and chasing.

    Vasool AI Voice Assistant

    One recording becomes an app action — create loans, log collections, add customers

    Voice Collection Entry

    Say “Arun 500 cash” to record a payment against the right customer, in 6 languages

    Call Customer by Name

    Speak a customer’s name to dial their stored number in one tap

    AI Loan Eligibility

    Advisory risk score, approve/review/reject, and a suggested limit from loan history

    WhatsApp Reminders

    Server-side sends via your own Meta / Interakt / Gupshup / WATI / AiSensy account

    Automated Due Reminders

    Overdue and upcoming-due alerts with per-loan de-duplication

    Customer Self-Service Portal

    4 features

    Give borrowers a portal of their own — balances, dues, and receipts — so they self-serve instead of calling the office.

    Borrower Login

    Customers log in to a dedicated self-service portal

    Balances, Dues & History

    See outstanding, due dates, and full payment history

    Downloadable PDF Receipts

    A receipt for every payment, on demand

    Live Customer Location

    Optional live GPS while the borrower is logged in

    Security & Audit

    7 features

    Enterprise-grade security with authentication, audit trails, and attack protection built into every deployment.

    JWT Authentication

    Secure token-based authentication

    Unified Login

    Single login for both admin and staff

    Biometric Login

    Mobile biometric/fingerprint authentication support

    Audit Logging

    Automatic change tracking for all data modifications

    Entity History

    View complete change history for any record

    Bot & Attack Protection

    Blocks known crawlers and common attack paths

    Rate Limiting

    Protection against brute force and API abuse

    Multi-Tenancy & Infrastructure

    8 features

    Each finance company gets isolated data, custom branding, configurable features, and automated provisioning.

    Multi-Tenant Architecture

    Each company gets isolated data and configuration

    Custom Branding

    Per-tenant app name, tagline, icon, and support contact

    Per-Tenant Feature Toggles

    Enable/disable 27+ features per tenant

    Per-Tenant Storage Limits

    Configurable storage quotas (default 7GB)

    Storage Monitoring

    Track and manage per-tenant file storage usage

    Multi-Server Deployment

    Distribute tenants across multiple servers

    Automated Provisioning

    One-command setup for new tenants

    Automated Deprovisioning

    Clean removal of tenant infrastructure

    API & Integration

    4 features

    A REST API with generated type-safe clients, interactive documentation, and offline sync support.

    REST API

    Full-featured HTTP/JSON API with 100+ endpoints

    Generated TypeScript Types

    Type-safe clients generated from the API spec, shared by app and web

    Swagger / OpenAPI Docs

    Interactive, always-current API documentation

    Offline Sync Support

    Feature flag for offline-capable mobile clients

    Operations

    4 features

    Database migrations, tracing, health checks, and CI/CD for reliable day-to-day operations.

    Database Migrations

    Versioned schema management across all tenants

    Distributed Tracing

    Jaeger integration for request tracing

    Health Checks

    Endpoint monitoring for uptime tracking

    CI/CD Pipeline

    Automated testing, building, and deployment via GitHub Actions

    See It in Action

    Every feature is included in every deployment. No upsells, no premium tiers — just the complete platform configured for your business.