pibas value: Loan & Microfinance

PIBAS' Loan & Microfinance System [LMF] provides the capability to handle all types of loans including personal, consumer, project / term loans, micro and margin financing and agricultural loans

contact us!

pibas value: Loan & Microfinance

The loan & microfinance system is completely parameter-driven & fully integrated with core banking modules such as collateral management, business relationship, account management, financial transactions and central bank returns

    • Parameterization allows for tremendous flexibility to the banks to tailor the
      product according to their requirements
    • Enhances operational efficiency
    • Provides tools to monitor & control potential risks
    • Improves customer services
    • Enables standardization & reliability of all financial calculations
    • Fully automates all voucher generation at different stages of the loans cycle
    • Makes waiver / write-off management effortless
    • Provides tools to monitor performance of:
      • Credit offers
      • Recovery officers
      • Account officers
    • Facilitates management of loans through dynamic document generation facility
    • Facilitates follow-up on cases in litigation
    • Empowers the user to generate MIS reports through a dynamic report generation facility
    • Along with business relationship, collateral management and a/c management,
      this system can be interfaced with any application system
    • Business relation / customer centric (borrower & guarantor, etc...)
    • Multi-currency handling along with revaluation
    • Multi-branch
    • Central Bank Reporting
    • Fully parameterized products of loan to create different kinds of precuts:
      • Product can be categorized
      • Definition of overall life cycle of loan
      • Caption for interest (i.e. Markup / interest / profit / charges / etc...)
      • Purpose of loan:
        • Project based lending
        • Commodity based lending
        • Multiple commodity based
        • Any other
      • Parameterized reason / purpose financing / lending (working capital, fixed investment)
      • Amount ranges
      • Period range of loan [e.g. Loan will be of 1 to 10 years]
      • Account type linking
      • Currency
      • Repayment parameter
      • Interest / Markup parameters
      • Linked to any funding agency credit line (like IMF, ADB, World Bank, etc...)
      • Parameters allowed to be overridden on loan
      • Credit lines permitted / applicable
      • Commodities permitted / applicable
      • Checklist of documents required
      • Special instructions for the product
      • Classification parameters for loans, etc...
    • Facilitates early termination or partial payment
    • Gives elaborated life cycle of loans from prospect state
    • Covers all possible activities starting from prospect state (application submitted,
      sanction & re-sanction agreement, discard, reject, disbursement, repayment, charge posting, etc...)
    • Provides facilities for rescheduling & restrictions of loans
    • Facilities credit line management
    • Allows remission schemes management
    • Provides waiver / write-off management
    • Enhances charges management with concept of charges receivable
    • Provides flexible generation of schedule:
      • Repayment frequency (weekly, fortnightly, monthly, quarterly, half-yearly, yearly, at maturity, staggered)
      • Concept of cushion period
      • Concept of grace period at the start of loan during which no repayment is scheduled
      • Grace period strategy:
          • Taking grace period markup within grace period
          • Taking grace period markup at the end of the grace period
          • Proportionate grace period markup in installments
      • Clear month concept
      • Trial schedule can be generated at any state of loan
    • Parameterized document generation
    • Classification & risk management:
      • Classifications of loans, different parameters of classification and
        parameterized sets to be used for classification -
          • Funding agency classification
          • Bank’s own classification
      • Auto suspension of income of classified accounts(loans) in a parameterized manner
      • Detailed handling of suspended accounts / loans
      • Linking of collaterals of borrower with the loan
    • Detailed status information of the loan in a single inquiry allowing a view of the summary & details


The Loan & Microfinance System handles the following:

  • Personal loans
  • Consumer loans
  • Project / term loans
  • Micro financing
  • Margin financing
  • Agricultural loans


Flexible & Dynamic Document Generation:

  • Letters management
  • Legal notifications
  • Customer statements
  • Bank’s own statements
  • Appraisal reports
  • Agreements
  • Proposal summary
  • Any documents required by the bank, using a flexible document generator