One platform, every loan product
Most lenders do not do only one thing. Group loans in the morning and a gold loan in the afternoon, an RD book alongside both — all of it on one borrower record, one general ledger and one set of reports.
Frequently asked
Which loan products does Byaj Batta support?
Group loans (JLG and SHG), personal loans, gold loans, vehicle loans, mobile and device finance, daily-collection and payday loans, overdraft or cash credit facilities, and committee or chit-style lending, alongside fixed, recurring and savings deposits.
Can I configure my own loan schemes?
Yes. Interest rate, method (flat or reducing balance), tenure, repayment frequency, charges, penalty rules and eligibility are set per scheme, and a product can have many schemes.
Which repayment frequencies are available?
Daily, weekly, twice-monthly, monthly, quarterly and yearly, on flat or reducing-balance interest.
Can each product have its own approval workflow?
Yes. Origination stages and approval steps are configured per loan product, so a gold loan and a vehicle loan need not follow the same path.