FinOS
India's Most Secure Microfinance, NBFC & Nidhi Company Software
What is FinOS? It is a highly secure, RBI-compliant core banking and loan management system for Indian Microfinance Institutions (MFI), NBFCs, and Nidhi Companies. It automates loan origination, EMI collections, and NPA tracking.
Product Engineering Architecture
What is FinOS?
FinOS is an enterprise-grade Core Banking Solution (CBS) and Loan Origination System (LOS) engineered specifically for the Indian micro-lending sector. Designed for NBFCs, Nidhi Companies, Credit Societies, and Microfinance Institutions (MFIs), it provides absolute control over the entire lending lifecycle, from KYC verification to final loan closure.
Seamless Data Migration from Legacy Systems
How easy is it to migrate your financial data? Transitioning to FinOS is highly secure and frictionless. It features a proprietary Data Importer that safely migrates your complex loan portfolios, customer KYC data, EMI histories, and GL accounts from legacy software or Tally Prime with zero data loss.
100% RBI & Tax Compliance
How does FinOS handle regulatory compliance? The software is strictly built around RBI guidelines for NBFCs and Ministry of Corporate Affairs (MCA) rules for Nidhi companies. It automatically manages NPA (Non-Performing Asset) classifications, provisioning, GST on processing fees, and TDS on fixed deposit interests.
Advanced EMI Collection & Field Operations
FinOS simplifies field collections and risk management. It features a robust Loan Origination module with CIBIL integration, automated flat/reducing balance EMI calculations, penalty tracking, and a dedicated mobile app for field agents to execute real-time collections with Bluetooth printer support.