LendSphere Secured
Every gram, accounted for.Close audits without scrambling.
LendSphere is the Gold Loan LOS/LMS & NBFC lending software purpose-built for Indian NBFCs — ornament-level appraisal, sealed packets, dual-custody vaults, and maker-checker disbursal, all on a tamper-evident audit trail.
Built for Indian NBFCs
Built around NBFC norms — product LTV slabs, NPA at 90 DPD, notice-gated auctions — by ops leaders who have run branch networks.
The need of the hour
Gold and silver jewellery-backed lending teams need audit-ready systems that can keep up with growth and scrutiny.
- Increasing regulatory audits focused on physical collateral
- Growing branch networks increasing operational and fraud risk
- Manual vault registers and spreadsheet-based custody tracking
- Generic loan systems that don't model packets, seals, and purity
Audit-first architecture for RBI-regulated NBFC operations
Workflow Focus
Vault custody checkpoints with audit-ready handoff evidence
What you get with LendSphere Secured
Branch execution, custody controls, and compliance confidence in a single operating layer.
- Built for gold and silver jewellery-backed lending
- Ornament-level appraisal
- Maker-checker approvals for critical actions
- Daily accrual, penal interest, and GST charges computed for you
- Reduced fraud and operational risk
- Scales with branches and AUM
Total collateral visibility
Follow every packet from branch counter to vault to release — including inter-branch transfers — across every branch.
Secure custody workflows
Unique seal numbers, QR packet labels, single or dual custodian acceptance, and nightly vault reconciliation.
Audit-ready operations
Every action lands on an HMAC-chained log with database immutability, exportable as CSV, PDF, or a signed evidence pack.
Everything in LendSphere Secured
Every module from onboarding to auction, plus add-ons you switch on when your branches are ready.
Core Modules in LendSphere Secured
- Borrower onboarding with PAN or Form 60, DigiLocker Aadhaar, UN and MHA sanctions screening, and periodic re-KYC.
- Customer-review queue for name, date-of-birth, and bank-change red flags, cleared by a second person, with AML alerts routed to the Principal Officer.
- Ornament-level appraisal — weight, stone deduction, purity — with one or two independent valuers signing off on their own phones, by appraised value.
- Pledge photos taken on a phone and linked straight to the branch desk, then sealed under a QR packet label.
- Underwriting that checks KYC, LTV slab, tenure, and rate before sanction, needs a second approver for any LTV override, and sends incomplete files back for rework.
- Maker-checker disbursal paid out by NEFT, IMPS, RTGS, or UPI; the approver cannot be whoever last changed the borrower’s bank account.
- Collections, pre-closure, top-up, partial release, and closure.
- Dues waivers, one-time settlement, and write-off for stressed loans, each signed off by a second approver.
- Payment reversals and overpayments — apply the excess to dues or record a refund — each maker-checker.
- Branch till with day-close approval, cheque clearance, and backdated-receipt approvals.
- Notice-gated auctions after a fresh revaluation, with an evidence pack, and any surplus refunded to the borrower after a second approval.
- Razorpay payments matched against your books, with an exception queue for anything that does not tie out.
- Double-entry general ledger with GST invoice numbering, IRACP asset classification, and month-end provisioning.
- Portfolio trends over any period, plus CSV registers for collections, disbursals, overdue loans, LTV risk, journals, and GST.
- Administration for branches, products, charges, templates, users, and role-based controls.
- Filterable audit logs with exports, plus a security posture screen for audit-chain integrity and payment idempotency.
Add-on Modules
Switch these on per tenant when your branches are ready for them.
AI photo checks
AI reads each pledge photo — ornament, hallmark, scale display, seal label — and flags anything that does not match what the officer entered. Enforcement mode halts the counter when a photo shows the wrong thing, and audits any decision to carry on.
Borrower self-service portal
Borrowers sign in with an email code to see their loans, dues, schedule, payments, pledged items, and documents, and get a pre-closure quote — under your logo and colours.
Gold-price LTV monitoring
Every loan’s LTV is re-checked nightly and whenever the gold rate changes, then sorted into safe, watch, and breach bands for your risk team.
Automated reminders
Pre-due reminders and an overdue reminder ladder go out to borrowers by email on schedule.
Custody journey
Follow one pledge through the branch
1 · At branch counter
Appraised and sealed
Each ornament is weighed and photographed — item, hallmark, on the scale — then sealed under a unique seal number and QR label.
2 · Pending vault acceptance
Two custodians confirm
3 · In branch vault
Reconciled every night
4 · Released to customer
Released only on closure
Who it's for
Purpose-built for gold and silver jewellery-backed lending teams who manage physical collateral and audit trails.
Gold Loan NBFCs
Run gold and silver jewellery-backed lending with standardized vault and appraisal workflows.
Silver Loan NBFCs
Track purity, packets, and collateral movement across branches.
Cooperative Banks
Adopt audit-first custody workflows for jewellery-backed loans with maker-checker approvals.
Designed for operations, risk, and compliance teams managing physical collateral across branches.
Built for your team
One product, three teams — each sees the slice of the workflow that actually drives their outcomes.
Ops & Risk leaders
For Operations
- One approvals inbox for disbursals, over-LTV overrides, waivers, and releases — each maker-checker.
- Branch-comparison dashboards and unified search across borrowers, loans, and cases.
- Collections worklist with promise-to-pay tracking, payment links, UPI, and eNACH.
Compliance & Internal Audit
For Compliance
- HMAC-chained audit log with database immutability — any tampering is detectable.
- Independent physical vault audits with reseal countersign by a dedicated Auditor role.
- NPA at 90 DPD with SMA-0/1/2 buckets and month-end provisioning on the general ledger.
Branch & Area heads
For Branch Managers
- Checker on disbursals, releases, and waivers — nothing moves without a second pair of eyes.
- Nightly vault reconciliation and till management for the branch.
- Overdue cases allocated to collectors, with contact logs and promises to pay.
Controls you can prove
RBI audit-ready by construction: the specifics an inspector asks about, built into every loan rather than reconstructed after it.
4evidence shot types
Pledge evidence at capture
Item, hallmark, on-scale, and sealed-packet shots — stamped with time and location on the phone, and SHA-256 hashed on upload.
2custodians
Dual custody, set per vault
Two different custodians must confirm a packet into the vault within a window you configure.
1signed evidence pack
Tamper-evident audit trail
An HMAC-chained log exported with a SHA-256 manifest, chain-validation result, and detached signature.
Data masking and consent
Only the last four Aadhaar digits are stored; PAN and bank details are encrypted and masked. Consent is checked before every KYC call.
Role-based control
10 built-in roles — maker, checker, underwriter, vault officer, auditor, and more — plus custom roles per tenant.
Regulatory alignment
Product LTV slabs with approved overrides, NPA and SMA classification, and notice-gated auctions.
From the field
Playbooks and policy notes for NBFC lending, vault custody, and RBI-audit evidence — written by our operations team.
Gold and Silver Collateral Policy
Why Your Vault Register Won't Survive an RBI Inspection in 2026
Manual gold loan vault registers fail RBI inspection on chain of custody, dual control, and ornament-level traceability. Here is what audit-ready vault operations look like in 2026.
RBI Compliance
What RBI Compliance Means for Gold Loan NBFC Operations
A practical view of RBI compliance for gold loan NBFC operations: role-based workflows, maker-checker approvals, auditable event capture and review cadence.
RBI Compliance
RBI Audit-Ready Lending Operations: Practical Checklist
Steps for audit-ready NBFC lending: map high-risk actions to maker-checker, capture actor, branch and timestamp evidence, set KPI thresholds and test controls.
Gold Loan LOS/LMS FAQ for NBFC lending teams
Answers on onboarding, KYC, disbursal controls, custody workflows, repayments, defaults, compliance, and integrations.
+What is LendSphere?
LendSphere is a secured lending LOS/LMS platform that helps lenders run the full loan lifecycle, from onboarding and KYC to disbursal, repayment, and closure.
+Who is LendSphere built for?
It is designed for NBFCs, lending companies, and branch-led secured lending operations.
+What loan journeys does LendSphere support?
It supports borrower onboarding, PAN and Aadhaar KYC, application and pledge capture, underwriting, document signing, disbursal approvals, servicing, and closure.
+Does LendSphere support gold and silver-backed lending?
Yes. Each ornament is captured with weight, stone deduction, and purity (karat for gold, fineness for silver) and valued at your daily metal rate, with LTV slabs set per product.
+How does disbursal approval work?
Disbursal is maker-checker: a loan officer raises it and a branch manager approves it. It is gated on signed loan documents and the pledge being in vault custody, and payouts run through Razorpay.
Book a demo
See LendSphere in 20 minutes.
Four fields to start. We'll email to schedule — no pushy calls.
We'll walk through the slice of LendSphere that matters most for your team — ops queues, vault custody, or compliance evidence. No generic decks.
In the demo
- Appraisal to disbursal: ornament capture, product LTV slabs, and the maker-checker approval.
- Vault custody: sealed packets, dual-custodian acceptance, and nightly reconciliation.
- Audit evidence: the HMAC-chained log and a signed evidence-pack export.
Pricing
Per-branch licensing. No per-loan fees. Exact pricing shared on the call.