Vaanijya Loan and finance management software for financiers: finance files, EMI collection, settlements, vouchers and recovery reports.
For financiers in India, from one office to many branches.
Simplifying loan management for smarter growth.
Vaanijya helps you manage loans efficiently and effectively: disbursements, EMI schedules, collections, settlements and the reports your business runs on, in one simple system.
- Finance file
- Guarantors
- EMI schedule
- Instalment receipts
- SMS alerts
- Pre-closure
- Foreclosure
- Vouchers
- No dues certificate
- Seizing letter
- Reports
- Flat or reducing
- Your interest mode, rate, file charge and EMI schedule on every file
- SMS on every receipt
- Borrowers are told the moment an amount is received
- Branch-wise
- Receiving, dues and reports for each branch
Built for the way financiers work.
Every rule you lend by, from guarantors to overdue charges, lives on the finance file, so your team follows the same process at every branch.
- Financiers and finance companies
- Loans paid to a dealer or directly to the customer
- Any kind of loan, including vehicle loans with insurance, fitness and permit dates on file
- Lenders with more than one branch
Finance File
Set up every loan the way you lend.
Open a finance file with one or more guarantors, your interest rate, flat or reducing mode, file charges and a monthly or quarterly EMI schedule. Pay the dealer or the customer directly, and keep the vehicle's insurance, fitness and permit dates on the same file.
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Loan terms
- Multiple guarantors
- Different interest rate percentages
- Flat or reducing mode
- Advance EMI
- File charge as a percentage or a fixed amount
- Monthly or quarterly EMI schedule
Disbursement and documents
- Payment to the dealer or directly to the customer
- Vehicle insurance, fitness and permit dates
- Multiple overdue and late payment rules
- Branch-wise operations
Instalment Collection
Collect EMIs and keep borrowers informed.
Receive one or several instalments at once, in cash or through the bank, adjust overdue amounts, and send the borrower an SMS for every amount received. Each branch receives its own collections.
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Receipts
- Multiple instalments in one receipt
- Cash or bank receipts
- Receipts with different interest rates
- EMI facility
Overdue and alerts
- Overdue adjustment
- SMS for every amount received
- Branch-wise receiving
Account Settlement
Close loans cleanly, early or on time.
Handle pre-closure with interest charged at the closing rate, foreclosure and account settlement, then issue a no dues certificate. When recovery is needed, generate the seizing letter from the same file.
Book a demoSettlement
- Pre-closure with interest at the closing rate
- Foreclosure
- Account settlement
- Branch-wise receiving
Certificates and letters
- No dues certificate
- Seizing letter
- Eligibility report for the seizing process
Vouchers & Accounts
Keep the books as you lend.
Record payments, receipts, contra and journal entries, and debit and credit notes. The trial balance, ledgers and profit and loss stay up to date as you work.
Book a demoVouchers
- Payment
- Receipt
- Contra
- Journal
- Debit and credit notes
Books
- Trial balance
- Ledger report
- Profit and loss
Reports
Know what is due, and from whom.
Detailed reports on instalments due, pending EMIs, settlements, insurance and recovery, by month and by branch.
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Dues and recovery
- EMI due summary
- Pending EMI report
- Month-wise due summary
- Branch-wise due amount
- Recovery list
- Eligibility for the seizing process
Files and payments
- Finance file report
- Party payment detail
- Receipt reports
- EMI payment to borrower
- Insurance details and due insurance
Why financiers choose Vaanijya.
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Better efficiency
Time-saving tools automate the loan process, from the finance file to the final settlement.
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Better customer service
Borrowers get the latest information and alerts, such as an SMS for every amount received.
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Reports that add up
Detailed reports on instalments due, collections and account settlements.
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Financial transparency
Accurate financial records, with vouchers and books kept as you lend.
Your loan book, at a glance.
Dues, collections and branch totals on one screen, so you know where every file stands before the day starts.
Vaanijya questions, answered.
What is Vaanijya?
Vaanijya is loan and finance management software for financiers. It covers finance files, EMI schedules, instalment collection, account settlement, vouchers, no dues certificates, seizing letters and reports.
Does Vaanijya support flat and reducing interest?
Yes. Each finance file can use flat or reducing mode, its own interest rate, advance EMI, a file charge as a percentage or a fixed amount, and a monthly or quarterly EMI schedule.
Can I add guarantors and vehicle details to a loan?
Yes. A finance file can have multiple guarantors, and it keeps the vehicle's insurance, fitness and permit dates. The loan amount can be paid to the dealer or directly to the customer.
Does it send SMS to borrowers?
Yes. Vaanijya can send the borrower an SMS for every amount received.
Does it handle pre-closure and foreclosure?
Yes. It handles pre-closure with interest at the closing rate, foreclosure and account settlement, and prints the no dues certificate. It also generates the seizing letter when recovery is needed.
Can I run more than one branch?
Yes. Operations, receiving and due reports work branch by branch.
Which reports does Vaanijya include?
EMI due summary, pending EMIs, month-wise and branch-wise dues, the recovery list, finance file, party payment and receipt reports, insurance reports, ledger, trial balance and profit and loss.
Is there a mobile app?
No. Vaanijya is a web application that your team uses in a browser. There is no separate mobile app.
See Vaanijya on your loan book.
Tell us how you lend, how many branches you run and how you collect today, and we will walk you through finance files, EMI collection and reports.