Gold loan software for NBFCs — origination, servicing and an audit trail that holds up
LOS and LMS in one system, LTV monitoring, de-duplication, auction notice timelines, maker-checker permissions and compliance-ready reporting. Built on a gold loan engine that has been in production since 2008.
- LOS + LMS built in
- Full audit trail
- Cloud or on your infrastructure
What changes when you are regulated
A pawnbroker needs the interest to be right. An NBFC needs the interest to be right and to be able to demonstrate, months later and to somebody hostile, exactly who approved what, on what valuation, against which gold rate, with which notice sent on which date.
That is a different software problem, and it is the one the NBFC Edition is built for. Everything in FinAcc Pro is still there — the interest engine, repledge, built-in accounting — with origination, controls and evidence layered on top.
What the NBFC Edition adds
Loan origination (LOS)
Sourcing, application, appraisal capture, sanction and disbursement as a controlled workflow, with the appraiser, valuation and gold rate recorded against every sanction.
Loan management (LMS)
Servicing, part payments, renewals, top-ups, foreclosure and closure across the portfolio, with scheme-level and branch-level views.
LTV monitoring
LTV at sanction and on revaluation as gold rates move, with breach reporting against thresholds you set.
De-duplication
New applications matched against the existing base so the same borrower is not onboarded twice, and total exposure is visible before sanction.
Auction workflow
Ageing, notice generation with dates recorded, auction conduct, and surplus or shortfall posted back to the borrower and the ledger.
Maker-checker & roles
Granular permissions, approval limits, and a change log that records user, timestamp and prior value on every amendment.
API integrations
Connect to your accounting system, payment rails, KYC providers and internal reporting. Standard APIs plus custom work where needed.
Compliance-ready reporting
Portfolio, ageing, NPA classification, branch and scheme performance, and the registers and statements your auditors ask for.
Accounting integration
Full double-entry accounts inside the product, with export into the system your finance team already runs.
Honest scope, before you spend time on a demo
FinAcc is the right choice for a small to mid-size gold loan NBFC that wants one system covering origination, servicing, repledge, accounts and compliance, from a vendor that has run gold loan operations software for more than fifteen years and will answer the phone in your language.
It is not a multi-product core lending platform. If you need unsecured personal loans, co-lending across several partners and a securitisation pipeline in the same stack, there are large enterprise vendors better suited to that, and we will say so on the call rather than after the purchase order.
Frequently asked questions
Does FinAcc include loan origination and loan management?
Yes. The NBFC Edition has LOS and LMS built in rather than as separate products, so an application moves from sourcing through appraisal, sanction, disbursement, servicing and closure inside one system with one audit trail.
How is LTV monitored?
Loan-to-value is computed at sanction from the appraised net weight and purity against the gold rate in force, and re-evaluated as rates move so you can see which loans have breached your internal threshold. Thresholds are yours to set; the software enforces and reports them.
What about auction notices and timelines?
Overdue loans are aged automatically, notices are generated with the dates recorded, and the full notice trail stays attached to the loan so it can be produced if the auction is ever questioned.
Is there a de-duplication check?
Yes. New applications are checked against the existing customer base on identity and contact details so the same borrower is not onboarded twice under variant spellings, and the exposure across their loans is visible before sanction.
Can it integrate with our other systems?
Yes — API integrations are part of the NBFC Edition, and we integrate with accounting systems. Tell us what you need to connect to on the call and we will be specific about what is standard and what is custom work.
What audit trail does it keep?
Every entry, amendment and approval is recorded with user, timestamp and prior value, and role-based permissions with maker-checker control who can do what. This is the part auditors ask about first.
Where is our data hosted?
Cloud or on your own infrastructure, whichever your policy requires. See security and deployment for hosting, backup and access control detail, and ask for our written answers if you have a formal vendor assessment.
How is the NBFC Edition priced?
On a call. Scope varies too much with book size, branch count and integration requirements for a list price to be honest. We will give you a firm number after a scoping conversation, and we can work under an NDA.
Book a working session, not a slide deck
Thirty minutes on LTV monitoring, the audit trail, the auction workflow and integration — against a sample of your own portfolio if you can share one. Under NDA if you need it.
- Under NDA if required
- Demo on your own data
- Written answers for vendor assessment