Loan management software for NBFCs
A registered NBFC has to run origination, servicing, accounting and reporting to a standard an auditor will accept — usually across several branches and more than one loan product. Byaj Batta does all four in one system, so the general ledger is a by-product of lending rather than a monthly reconstruction in a spreadsheet.
What usually gets in the way
- ✕Loan data in one system and books in another, reconciled by hand each month
- ✕No single view of PAR, NPA staging or branch-wise portfolio quality
- ✕Disbursal approvals passed around on WhatsApp with no audit trail
- ✕Field collections that reach the ledger days after the cash reached the officer
What Byaj Batta does about it
Configurable origination
Loan application, field investigation, credit bureau pull, underwriting and a maker-checker approval chain — with the workflow steps set per loan product rather than one path for everything.
Double-entry general ledger
Every disbursement, collection, charge, penalty, waiver and write-off posts a balanced journal against a real chart of accounts. Trial balance, P&L and balance sheet come out of the same ledger.
Portfolio quality
PAR buckets, DPD ageing, NPA staging and provisioning, branch and officer-wise, from live balances rather than an export.
Multi-branch and roles
Branch-scoped data with a permission catalogue down to the action — who may approve a disbursal, who may waive a penalty, who may only see their own collections.
Payments and mandates
Razorpay and PhonePe payment links, UPI AutoPay and e-NACH mandates, with auto-debits raised on the due date and reconciled back to the loan.
Built AI-native, not AI-bolted-on
Tezu, the built-in AI agent, answers questions about your own book in plain language, and AI import reads whatever spreadsheet you already keep — mapping arbitrary column headings onto customers, loans and deposits — so moving in does not mean retyping years of records.
See how the AI works →Frequently asked
Is Byaj Batta suitable for a registered NBFC?
Yes. It covers origination, servicing, collections, a double-entry general ledger, and portfolio reporting including PAR and DPD ageing, across multiple branches and loan products.
Does it maintain proper books of account?
Yes. Disbursements, repayments, charges, penalties and waivers each post a balanced journal entry to a chart of accounts, so the trial balance is produced from the same data that runs the loans.
Can different loan products follow different approval workflows?
Yes. Origination steps and approval stages are configured per loan product, so a gold loan and a group loan need not share one path.
Does it support multiple branches?
Yes. Data is branch-scoped, users are assigned to branches, and reporting can be viewed for one branch or consolidated.