99.4% Recovery Rate
Real-time field officer accountability and automated SMS reminders dramatically improve on-time repayment collections.
Robust Core Banking & Loan Management for MFIs, NBFCs & Cooperatives
Accelerate loan origination, eliminate field collection fraud, and automate multi-branch accounting with OMA TECH SOLUTIONS' microfinance core banking platform.
Engineered specifically for Microfinance Institutions (MFIs), NBFCs, Micro-lending NGOs, and Credit Societies across India, our banking platform digitizes the entire lending lifecycle. From Center and Group (JLG/SHG) formation and instant KYC verification to field agent Android apps with Bluetooth thermal receipt printing and automated NPA tracking, we give lending executives complete control over every rupee disbursed and recovered.
Core Microfinance & Lending Modules
- Center & Group (JLG / SHG) Management: Hierarchical organization of centers, weekly/monthly meeting days, group leader assignments, and group loan guarantee monitoring.
- Borrower KYC & Verification: Aadhaar number validation, PAN card verification, voter card capture, photo upload, and family dependency assessment.
- Loan Origination, Processing & Disbursement: Configurable interest calculation (Diminishing balance or Flat rate), loan fee deduction, bank disbursement sheet, and promissory agreement printing.
- Android Field Officer Mobile App: Complete offline collection capability with GPS geo-tagging, instant Bluetooth thermal receipt printing, and real-time cloud sync upon internet connection.
- Automated NPA, Overdue Alerts & SMS: Automatic portfolio categorization (Standard, Sub-standard, Doubtful, Loss) with automated SMS and WhatsApp repayment reminders.
- General Ledger, Cash Day-Close & Audit Trail: Daily branch cash-in-hand tallying, automated voucher generation, balance sheet, trial balance, and RBI compliance exports.
Built for Financial Transparency & Scale
Multi-Branch Centralization
Monitor collections and disbursements across 10 to 100+ branches simultaneously from a single central executive console.
Tamper-Proof Audit Security
Immutable financial transaction logs, OTP authorization for large disbursements, and full historical revision tracking.
Frequently Asked Questions
Yes. Field agents can download their daily collection sheet into the Android mobile app while at the branch office. Even in offline villages without network reception, they can accept EMI payments and print thermal receipts via Bluetooth. Once they reach network coverage, all collections sync automatically with the head office server.
Completely. You can configure multiple loan products (e.g., Micro-business loan, Agriculture loan, Emergency loan, Gold loan) with flat or diminishing balance interest rates, daily, weekly, fortnightly, or monthly collection schedules, and custom processing charges.
Yes. Our data engineering team performs complete data cleansing and migration from your existing Excel files, Tally ledgers, or legacy desktop software, ensuring your active borrower balances and repayment schedules match down to the exact paisa.
Yes. The platform generates one-click Portfolio-at-Risk (PAR 30, PAR 60, PAR 90) reports, demand vs. collection sheets, overdue aging summaries, and balance sheets strictly conforming to standard NBFC/MFI audit requirements.
Modernize Your Lending Operations with OMA TECH
Protect your capital, empower field agents with mobile thermal billing, and scale your micro-lending portfolio safely.