Stop losing loan files in
WhatsApp groups and Excel sheets.
Loan management software that tracks every file from application to disbursement. Map lenders, auto-generate document checklists, reconcile commissions, and monitor your pipeline — without a single shared spreadsheet. Built for India's DSA firms, NBFCs, HFCs, and loan brokers who are tired of losing files between WhatsApp threads and Excel tabs.
Home Loans · LAP · Business Loans · Personal Loans · Education Loans · Working Capital · Credit Cards · LRD · Gold Loan · Overdraft
Four problems every loan business hits before they get a system.
A ₹85L home loan file was ready for sanction. Documents collected, bureau pulled, legal done. But nobody told the lender RM to pick it up — the follow-up note was in a WhatsApp group that got archived. By the time someone found it, the customer had gone to another broker.
HDFC paid ₹3.2L this month. You expected ₹4.1L. Which files are short? Was there a clawback? Which agent's disbursement got adjusted? You spend two full days reconciling a spreadsheet that was supposed to save you time. Next month, the same exercise.
The customer swears he sent the bank statement last Thursday. Your agent says he never got it. The lender says the file is incomplete. Three people arguing about one PDF, and nobody has a timestamped record of what was actually received, when, and by whom.
Rohit resigned on Friday. His 40 active loan files across four lenders, his document collection status, his follow-up notes, his lender RM contacts — all of it lived in his personal Excel sheet and WhatsApp. His replacement starts Monday with zero context.
A pipeline that matches how loan files actually move.
Not “Lead → Qualified → Won.” That's a generic sales pipeline. A loan file goes through document collection, lender submission, credit appraisal, legal verification, sanction, and disbursement. TatvaCRM's loan management software tracks every stage with the right fields at the right time.
Six pillars of loan management, solved.
Each feature is built for the Indian loan distribution workflow — not adapted from a generic CRM with custom fields bolted on.
Application to disbursement. Every stage logged.
- 7-stage pipeline designed for the Indian loan workflow
- Every stage transition timestamped with the agent who moved it
- Pendency split between customer-side and lender-side documents
- Ageing alerts when files sit too long at any stage
Multi-lender empanelment. Product-wise routing.
- Define which lenders you work with and which products each offers
- Rate cards per lender, per product, per tier — set once, applied forever
- Branch-level RM contacts for every lender relationship
- Route new files to lenders based on product type and eligibility
Auto-generated per loan type. Expiry alerts built in.
- Checklist auto-created when a loan file is opened — based on product, employment type, and lender
- Status per document: pending, received, verified, expired
- Expiry tracking with alerts before documents lapse
- Clear split between what the customer owes and what the lender is waiting for
Payout grids. Split calculations. Clawback tracking.
- Every disbursed file creates a commission line automatically
- Monthly reconciliation — expected vs received vs pending vs clawed back
- Agent-wise payout reports for payroll from the same data
- Clawbacks tracked against the original file, not hidden in a different sheet
Tranche tracking. Sanctioned-amount cap enforcement.
- Track partial disbursements and tranche-wise fund releases
- Cap enforcement — disbursed amount cannot exceed sanctioned amount
- Lender reference numbers and disbursement dates on every record
- Disbursement triggers commission calculation automatically
Conversion rates by lender, product, and agent.
- Conversion funnel from application to disbursement by lender
- Product-wise performance — which loan types convert fastest
- Agent leaderboard — who moves files and who lets them age
- Lender TAT scorecards — which lender sanctions in 7 days vs 21
Who is this loan management software for?
DSA Firms
Multi-lender loan distribution businesses managing 50+ active files across banks and NBFCs. Track agent performance, reconcile commissions, and keep your client list in your firm — not in an agent's personal Excel.
See CRM for DSA →NBFCs & HFCs
Small and mid-size retail lenders running pre-LOS origination on WhatsApp and Excel. Capture leads, run underwriting checklists, track sanctions, and hand off cleanly to your existing LOS for disbursement.
See CRM for NBFC →Loan Brokers
Independent loan brokers and small firms handling home loans, LAP, business loans, and personal loans across multiple lender panels. One pipeline for all products, one commission ledger for all lenders.
Housing Finance Companies
HFCs managing mortgage origination pipelines with property valuation workflows, legal vetting stages, and tranche-wise disbursement tracking. Built-in support for secured loan workflows.
Fintech Lenders
Digital lending platforms scaling their sourcing operations through DSA networks. Track every lead from source to sanction, with attribution and conversion analytics per channel.
Sub-DSA Networks
DSA firms managing a network of sub-agents and channel partners. Role-based access ensures sub-agents see only their own files while you see the entire book.
Why not just use Excel?
Every loan business starts on Excel. Most stay there until something breaks — a lost file, a missed commission, an agent resignation that takes the client list with it. Here's what changes when you move to purpose-built loan management software.
| What you need | Excel + WhatsApp | TatvaCRM |
|---|---|---|
| Loan file lifecycle from application to disbursement | Columns in a sheet, manually updated | 7-stage pipeline with timestamps and owners |
| Document checklist per loan type | Separate tab, manually maintained | Auto-generated per product, lender, and employment type |
| Multi-lender rate cards and commission tracking | One more sheet, endless copy-paste | Set once per lender/product, auto-applied on disbursement |
| Know which agent is working which file | Check the 'Assigned to' column if someone filled it | Mandatory ownership with activity trail |
| Agent leaves — files stay | Files leave with the agent's laptop | Revoke login, reassign files in one click |
| Audit trail on every file change | No history, last edit wins | Full audit log — who changed what, when |
| Lender TAT analysis across your book | Build a pivot table every month | Real-time dashboard, always current |
| Role-based access for agents | Everyone can see and download everything | Agents see only their files, owners see all |
Explore more from TatvaCRM
CRM for DSA
Purpose-built CRM for Direct Selling Agents — 9-stage pipeline, 14 loan products, commission reconciliation.
Read more →CRM for NBFC
Pre-LOS CRM for small NBFCs — capture leads, run underwriting, track sanctions, hand off to your LOS.
Read more →Loan Origination System Guide
Understand how a loan origination system works and where TatvaCRM fits in the lending stack.
Read more →How to Become a DSA Agent in India
Step-by-step guide to becoming a Direct Selling Agent and managing your loan business.
Read more →Pricing
Workspace pricing, not per-agent. Free starter plan. See what each tier includes.
Read more →Free CRM
Start with the free plan — 2,000 records, full pipeline, no credit card required.
Read more →Questions from loan businesses evaluating us.
What is loan management software and how is it different from a CRM?+
Loan management software is a CRM built specifically for the lending workflow. A generic CRM gives you Leads, Contacts, and Deals. Loan management software gives you loan files with pipeline stages (application, document collection, credit appraisal, sanction, disbursement), lender mapping, document checklists, commission tracking, and disbursement monitoring. TatvaCRM is both — a CRM engine with a loan management layer built on top.
Can TatvaCRM replace our existing LOS (Loan Origination System)?+
TatvaCRM is the pre-LOS layer — it handles lead capture, document collection, file logging, and sanction tracking. Once a file is sanctioned, it hands off to your existing LOS for disbursement, EMI tracking, and collections. If you're a DSA or broker, TatvaCRM IS your complete system. If you're an NBFC with an existing LOS, TatvaCRM feeds it with clean, complete files.
How does TatvaCRM handle multiple lenders and products?+
You define your lender panel — which banks and NBFCs you work with, which products each offers, rate cards per product per lender, and branch-level contacts. When an agent creates a new loan file, they select the lender and product. Commission rates, document checklists, and stage-specific fields are all auto-configured based on that combination.
What happens to my data if an agent leaves?+
You revoke the agent's login. Their entire pipeline — every loan file, every document, every follow-up note, every lender conversation — stays in your TatvaCRM workspace. Reassign their open files to another agent in one click. Their commission ledger stays intact for final settlement. The client list never leaves your firm because it was never stored on a personal device.
Can I track partial disbursements and tranches?+
Yes. TatvaCRM tracks tranche-wise disbursements against each loan file. The system enforces a cap — the sum of all disbursements cannot exceed the sanctioned amount. Each tranche records the amount, date, lender reference, and triggers a commission line item automatically.
How does document checklist auto-generation work?+
When a new loan file is created, TatvaCRM matches the loan product, employment type, and lender to a document template. The matching checklist is auto-instantiated on the file. Each document tracks status (pending, received, verified, expired), upload date, and expiry date. If no template matches, no checklist is created — you can always add documents manually.
Is there a free plan for loan management software?+
Yes. The Starter plan is free forever with up to 2,000 records. It includes the full loan pipeline, lender mapping, and document tracking. Professional and Business tiers add commission templates, advanced analytics, custom roles, and audit logs. See the full pricing breakdown.
How long does it take to set up TatvaCRM for loan management?+
Under an hour for most firms. Sign up, select the DSA or lending industry preset, and your workspace is pre-configured with loan pipelines, product categories, and industry-specific fields. Import your existing applicant sheet via CSV. Free migration support is included on paid plans.
Stop tracking loan files on spreadsheets.
Free forever on the Starter plan. Full loan pipeline and lender mapping from Day 1. No credit card required. Import your existing data in an hour.
Already using Excel? See how DSA firms switched to TatvaCRM →