Finpage® runs India's group-lending operations end to end — from CGT and GRT, through weekly center meetings and cashless collections, to RBI-compliant NPA classification. The way MFIs actually work.
Every stage of the JLG journey modeled as a first-class workflow in Finpage®. No spreadsheets, no WhatsApp handoffs.
Field officer surveys homogeneous groups of 5–20. Geo-tagged household visits, KYC capture, relationship mapping.
Compulsory Group Training across mandated days. Attendance photo-captured. Financial literacy modules logged per member.
Group Recognition Test by branch manager. Quiz responses, oath recording, center code assignment.
Per-member applications with household income scoring, MFIN indebtedness check, co-signer mapping.
NEFT/IMPS to member bank accounts. Digital agreement e-sign. Disbursement photo + geo-stamp by FO.
Weekly / fortnightly meetings. Cash, e-NACH, BBPS, UPI. Joint-liability tracking per repayment.
Finpage's offline-first FO app runs an entire 20-member center meeting on a ₹8,000 Android phone in rural India — over 2G if needed. Attendance, collections, disbursements, photos, signatures. All reconciled when connectivity returns.
Transactions queue locally. Sync fires the moment signal returns — idempotent, de-duplicated, signed.
Attendance, disbursement, collection — each tied to a timestamped photo with lat/long and device fingerprint.
BBPS, e-NACH, UPI QR — or cash with denomination-wise remittance to branch vault with CCTV-triggered reconciliation.
Built with input from operating NBFCs and MFIs. Every feature battle-tested on real center meetings, real FOs, real edge cases.
Group-level repayment obligations modeled explicitly. Member defaults cascade to center — aging, dunning, and NPA classification follow RBI rules precisely.
Auto-generated meeting calendars for 1000s of centers. Frequency per product (weekly/fortnightly/monthly), holiday handling, FO reassignments.
Structured workflows for training attendance, quiz responses, oath recording, manager approvals. Photo evidence stored against each session.
Android app runs a 20-member meeting without connectivity. Encrypted local store, delta sync, merge-conflict resolution on reconnect.
e-NACH (NPCI), BBPS, UPI QR, UPI-Autopay, wallet integrations. Cash accepted with denomination-wise remittance workflow.
Automatic indebtedness checks against MFIN/SRO data. Household income cap enforcement. RBI qualifying-asset ratio tracked real-time.
Portfolio-at-Risk computed live across 1, 7, 15, 30, 60, 90 day buckets. Drill down to branch, center, FO, product — all under 200ms.
Income-generation, emergency, water-sanitation, top-up — any mix of products running inside the same group. Independent repayment schedules, shared liability.
Daily/weekly/monthly submissions to CIBIL, Equifax, Highmark — per regulator-mandated formats, auto-reconciled responses.
Joint liability isn't a field in a spreadsheet. It's a live obligation calculated every collection cycle, visible to every member, and auditable to the last paisa.
Finpage® tracks per-member EMI demand alongside their share of any group shortfall. When a center collects 94%, the remaining 6% is computed pro-rata across present members and surfaced immediately — not at end-of-day, not after sync.
Our aging engine moves members through SMA-0, SMA-1, SMA-2, NPA states per RBI's IRAC norms — per member, per loan, per center, rolling up in real-time to the CFO dashboard.
30 minutes, live demo of Finpage's JLG module — center meetings, disbursements, collections, PAR — on anonymized data from your own operations.