LMSFlow
The Complete Loan Servicing and Lifecycle Management Platform
Loan Servicing Operations Reinvented & Fully Regulatory Compliant
LMSFlow
LMSFlow Overview
LMSFlow is an advanced Loan Management System built for banks, NBFCs, and digital lenders. It simplifies the complexities of loan servicing across retail, MSME, and corporate products by offering robust modules for repayment tracking, interest accruals, customer servicing, collections, and compliance reporting. Whether you're handling a few thousand loans or millions, LMSFlow provides the flexibility and reliability needed to scale your lending operations.
Key Features
Loan Product Flexibility
Configure and manage the servicing needs of a wide range of Retail lending products including Auto Loan, Home Loan, Personal Loan, Consumer Durable loans, Education Loans, Commercial Vehicle loan and Agriculture loan
Automated Repayment & Billing
Generate EMI schedules, auto-calculate interest and penalties, manage billing cycles, and reconcile payments across NACH, UPI, or digital mandates
Interest Accruals & Accounting Engine Integration
Supports daily/monthly accruals and real-time posting to accounting systems through seamless integration
Receipts, Reversals & Part-Payments
Track and apply repayments, handle foreclosures, refunds, and transaction reversals with complete audit trail
Delinquency & NPA Management
Auto-bucket classification, DPD tracking, provisioning logic, and recovery workflows linked with field teams or legal escalation.
Service Request & Mandate Management
Inbuilt customer service module to manage SOA, rescheduling, mandate updates, and closures.
Regulatory Compliance Ready
Pre-configured for RBI norms, bureau reporting (CIBIL, CRIF) and audit logging.
API First Architecture
Seamless integration with LOS, CRM, accounting, collections, and third-party data providers.
Benefits of LMSFlow
- 360° view of all active and closed loans in real-time
- Accurate interest and penalty calculations aligned with RBI rules
- Reduced servicing costs via automated workflows
- Faster turnaround for customer requests and loan changes
- Minimized NPA impact through proactive delinquency tracking
- Smooth migration from legacy systems to modern infrastructure
Use Cases & Integrations
Use Cases
- Loan document digitization and lifecycle management
- Contract and vendor agreement management
- Compliance document tracking and archival
- HR and employee record management
- Invoice and accounts payable management
Integrations
- CRM platforms (Salesforce, HubSpot, Zoho)
- Marketing automation tools
- Core banking systems
- LOS/LMS platforms
- Communication services (SMS, WhatsApp)
- Analytics tools
Why Choose LMSFlow?
LMSFlow is engineered to deliver operational control, compliance confidence, and agility across your loan servicing operations. Whether you're managing thousands of retail loans or complex commercial portfolios, LMSFlow adapts to your workflows and scales with your growth.
FAQs: Addressing Your Lending Challenges
LMSFlow uses a proprietary AI algorithm that analyzes dozens of data points, including lead source, engagement level, firmographic data, and behavioral patterns, to assign a predictive lead score. This ensures your sales team always focuses on the highest-potential leads first.
Yes, absolutely. LMSFlow is designed with a security-first approach and is fully compliant with major data privacy regulations, including GDPR and CCPA. All data is encrypted in transit and at rest, and we provide robust tools for data governance and access control.
We offer a comprehensive onboarding experience, including dedicated support from an implementation specialist, detailed documentation, and live training sessions for your team. Our goal is to ensure you are set up for success from day one. Post-implementation, you'll have access to our 24/7 customer support team.