Loan Operations and Collections on One System Across Twelve Branches

The Challenge

Collections on spreadsheets, books closed per branch

Onboarding and KYC were re-keyed across tools, collections were tracked on branch spreadsheets, and each branch closed its own books. Head office compiled the portfolio by hand, so overdue and NPA numbers were always a few days old.

• Onboarding data re-entered across tools.
• Collections followed up from branch spreadsheets.
• Each branch kept its own cash book.
• Portfolio, ageing and NPA compiled by hand.

The Solution

One ERPNext system from onboarding to ledger

We set up ERPNext with onboarding, collections, branch accounting and portfolio reporting connected, and linked the firm's loan system for balances. Disbursement and receipts now post to one ledger, and overdue is visible live.

• One onboarding flow with documents and approvals.
• Due lists, reminders and field collection.
• All branches on shared accounting.
• Live portfolio, ageing and NPA dashboards.

How We Delivered

Piloted one branch, then rolled out

We set up one branch first, connected the loan system, and proved the onboarding-to-collection flow through a full month-end. Once it ran clean, we rolled the template to the other eleven and trained branch, collection and accounts teams on their part.

Go-live took ten weeks across the twelve branches.

The Outcome

Lower collection cost and a live portfolio

Collection cost fell by a third because follow-up is now organised and on time, and recovery improved. Loan processing sped up by 40 percent with one onboarding flow, and head office finally sees the portfolio, ageing and NPA across all twelve branches in real time.