Features
FinAcc features — the complete list
Everything in the product, module by module. If you are trying to work out whether FinAcc covers a specific thing you do today, this is the page to search.
Pawnbroking & loan
- New pledge entry on one screen
- Gross weight, net weight, purity and valuation
- Customer and ornament photographs
- Pledge slip printing on your own stationery
- Part payment of interest or principal
- Renewal and top-up
- Partial release of individual ornaments
- Full release with final interest computation
- Overdue ageing and auction workflow
- Loan history per customer — live, closed and auctioned
Interest schemes
- Simple interest
- Compound interest with configurable interval
- Multiple schemes running side by side
- Custom slab schemes by period, amount and customer grade
- Your own part-period and grace-day rules
- Scheme locked to the loan at the time it was written
- Scheme-wise performance reporting
Repledge
- Own-bank repledge
- Third-party repledge
- Packet composition — which loans and ornaments are in which packet
- Per-lender rate, tenure, margin and limit
- Interest paid against interest earned
- Limit utilisation and remaining headroom
- Release sequencing before a customer collects
KYC & verification
- Complete customer database with photographs
- Address and identity records
- Aadhaar integration
- Biometric and fingerprint device support
- Repeat-customer recognition with full history
Alerts & communication
- SMS alerts
- WhatsApp alerts
- Voice alerts
- Email alerts
- OTP confirmation on release or payment
- Due-date, overdue and auction notices
- Messages in the customer's language
Accounting
- Full double-entry ledger
- Daybook and cash book
- Bank book and party ledgers
- Trial balance, profit & loss and balance sheet
- Automatic posting from every loan transaction
- Tally export (Pro and NBFC Edition)
Multi-branch & control
- Branch-wise books and profit & loss
- Live consolidated position across branches
- Role-based permissions by branch, screen and action
- Approval limits and maker-checker
- Inter-branch cash and gold transfers
- Central scheme control with per-branch enablement
- Audit trail with user, timestamp and prior value
NBFC Edition
- Loan origination (LOS) built in
- Loan management (LMS) built in
- LTV monitoring and breach reporting
- De-duplication check on new applications
- API integrations
- Compliance-ready reporting
- Accounting system integration
Platform
- Cloud or on-premise deployment
- Mobile access to reports and position (cloud)
- Tamil, Malayalam, Kannada, Hindi, Telugu and English
- Automatic backups (cloud); configured and verified (on-premise)
- Full data export on request
- Free migration from registers, Excel or older software
- Free onboarding and staff training
Not seeing something you need? Ask on the call — and if we cannot do it, we will say so rather than promise a roadmap.
Which of these do you actually need?
Most businesses use perhaps a third of this list. Tell us what your day looks like and we will show you only the parts that change it.
- Free data migration
- Free onboarding & training
- Free trial before you pay
- Support in your language