Powerful features for every finance operation
From loan origination to collections, savings to chitfunds — explore everything RupIt offers to streamline your operations.
Loan Management
End-to-end loan lifecycle management with automated EMI scheduling, interest calculation, and real-time tracking.
9+ Loan Types
Personal, gold, vehicle, property, business, agriculture, education, daily, and group loans.
Automated EMI Scheduling
Auto-calculate EMI amounts, generate schedules, and track payments with status (Pending, Paid, Partially Paid, Overdue).
Collateral Tracking
Gold weight & purity, vehicle registration & valuation, property details — tracked per loan type.
Loan Lifecycle
Pending → Approved → Active → Closed/Settled/Defaulted. Full audit trail for every status change.
Closure & Settlement
Loan closure with settlement summaries, waivers, write-offs, and outstanding balance calculation.
Field Officer Assignment
Assign loans to field officers for collection tracking, with performance dashboards.
Savings & Deposits
Comprehensive savings products covering traditional Indian financial instruments with automated interest management.
Savings Accounts
Basic savings with configurable interest rates, deposits, withdrawals, and balance management.
Pigmi (Daily Collection)
Daily, weekly, or monthly collection savings — popular among microfinance customers in India.
Recurring Deposits (RD)
Fixed monthly deposits with maturity date tracking and automated interest calculation.
Fixed Deposits (FD)
Lump-sum deposits with interest computation, maturity tracking, and premature withdrawal penalty.
Transaction History
Complete ledger for deposits, withdrawals, interest credits, and penalties per account.
Interest Automation
Configurable interest rates with automatic crediting on schedule — simple and compound interest support.
Chitfund Management
Complete management of traditional Indian rotating savings groups with auctions, payments, and commission tracking.
Chitfund Setup
Define total amount, monthly installments, duration, and maximum members per fund.
Member Management
Track members with ticket numbers, payment history, and auction winnings.
Monthly Auctions
Conduct discount-based bidding, record winners, and calculate dividend distributions.
Payment Tracking
Track member installments with multiple payment modes and overdue alerts.
Commission Calculation
Automatic foreman commission tracking based on configurable percentage.
Lifecycle Management
Upcoming → Active → Completed status tracking with full audit trail.
Collections & Receipts
Field collection management with multi-mode payments, verification workflows, and real-time tracking.
Multiple Payment Modes
Cash, UPI, bank transfer, cheque, and online payments — all tracked in one system.
Auto Receipt Generation
Instant digital receipts with customizable prefixes and sequential numbering.
Verification Workflow
Pending → Verified/Rejected workflow to ensure collection integrity.
Daily Collection Summary
Real-time daily summaries broken down by collector, payment mode, and status.
EMI-specific Collections
Map payments directly to specific EMIs for precise loan balance tracking.
Collector Performance
Track individual field officer collection rates, targets, and efficiency.
Investment Management
Track investors, investments, and returns with automated maturity and interest computation.
Investor Profiles
Manage investor accounts with unique IDs, contact details, and investment history.
Investment Tracking
Amount, interest rate, tenure, start/maturity dates — all in one view.
Simple & Compound Interest
Support both interest modes with automated maturity value calculation.
Maturity Alerts
Automated notifications before investment maturity dates.
Reports & Analytics
8 built-in report types providing comprehensive insights into every aspect of your finance operations.
Loan Portfolio Report
Total disbursed, outstanding, NPA, and portfolio-at-risk metrics.
Collection Report
Daily/period collection trends, mode-wise breakdown, and target vs actual.
Overdue Report
Overdue EMIs by age bucket, defaulted loans, and risk classification.
Savings Report
Account summaries, deposit/withdrawal trends, and interest liability.
Daily Cash Report
Cash inflow/outflow, payment mode breakdown, and closing balance.
Customer Statements
Individual customer ledgers showing all transactions across products.
Multi-Tenancy & Platform
Enterprise-grade multi-tenant architecture with per-organization isolation, branding, and subscription management.
Organization Isolation
Every organization gets a separate, fully isolated workspace with its own data.
Custom Branding
Per-org logo, colors, tagline, receipt prefixes, and domain configuration.
Feature Flags
Enable/disable 16+ features per organization based on subscription tier.
Role-based Access
6 roles: Admin, Manager, Field Officer, Cashier, Accountant, Viewer — with granular permissions.
Subscription Management
Monthly, quarterly, half-yearly, or yearly billing with trial support.
Indian Compliance
INR currency, April fiscal year, Aadhaar/PAN support, and NBFC-ready workflows.
See all features in action
Start your 14-day free trial or schedule a personalized demo.