Platform Features
85+ features across 15 modules — everything you need to run a complete microfinance operation from a single platform.
Core Loan Management
13 featuresComplete 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 featuresTrack 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 featuresPlan 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 featuresFull 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 featuresDashboards 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 featuresManage 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 featuresManage 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 featuresRun 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 featuresTrack 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 featuresVasool 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 featuresGive 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 featuresEnterprise-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 featuresEach 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 featuresA 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 featuresDatabase 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