Gold Loan LOS/LMS Features for NBFC Lending Software Teams

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.