AI-LMS
Loan management from disbursement to closure: schedules, interest and profit-rate engines, restructuring, statements and accounting entries, in any currency.
- 1 · Disbursement posted to core bankingComplete
- 2 · Repayment schedule generatedComplete
- 3 · Interest / profit-rate accrualComplete
- 4 · Statement & accounting entriesIn progress
- 5 · Early-settlement quotePending
What AI-LMS does
Digital loan booking
Automatically convert approved applications into live loans with configurable booking rules, product parameters and account creation workflows.
Automated disbursements
Execute single, staged or milestone-based disbursements while enforcing policy checks and approval controls.
Repayment management
Configure repayment schedules, EMI calculations, grace periods, moratoriums and payment frequencies across loan products.
Collections & delinquency workflows
Monitor overdue accounts, trigger collections activities and automate reminders, escalations and recovery workflows.
Customer self-service
Enable borrowers to view loan details, repayment schedules, statements and service requests through digital channels.
Portfolio monitoring
Track disbursements, outstanding balances, collections, portfolio performance and regulatory reporting from a single dashboard.
Where AI-LMS sits in your stack
AI-LMS serves as the loan servicing and portfolio management layer, managing loan accounts from booking through repayment and closure.
- CHANNELSBranch · Agent · Web · Mobile · Partner APIs
- AI-LOSCapture · Read · Verify · Route
- AI-UnderwritingAssess Risk · Recommend Decisions
- AI Rule EngineApprove · Decline · Refer
- AI-LMSBook · Disburse · Service · Collect · Report
- Customer & Finance EcosystemPayments · Collections · Accounting · Regulatory Reporting
AI-LMS seamlessly integrates with AI-LOS, underwriting systems, payment gateways, core banking platforms and accounting systems to manage the complete lifecycle of a loan.
Loan products supported
AI-LMS supports end-to-end servicing for retail, SME and Islamic finance products through highly configurable workflows.
- Personal Loans
- Auto Finance
- Home Finance & Mortgages
- SME & Business Loans
- Credit Cards
- Loans Against Property
- Gold Loans
- Microfinance
- Murabaha
- Ijara
- Tawarruq
Faster disbursements
Approved loans can be booked and disbursed automatically, reducing operational delays and accelerating time to funding.
Better borrower experience
Digital servicing, self-service options and automated notifications keep borrowers informed throughout the loan lifecycle.
Improved portfolio control
Centralized servicing, collections and reporting help lenders manage risk, compliance and portfolio performance more effectively.
Deployment & licensing
- Standalone Loan Management System or part of the full AI lending suite
- Cloud deployment on Microsoft Azure in your country's region
- Dedicated database and environment for your institution
- Annual licensing for banks; subscription plans for NBFCs and fintechs
- REST APIs and webhooks for integrations with payment providers and core banking systems
- Multi-country, multi-currency and multi-product support
AI-LMS questions
Can AI-LMS work with our existing core banking system?
Yes. AI-LMS integrates with core banking platforms, accounting systems, payment gateways and third-party servicing solutions through APIs.
Does AI-LMS support multiple loan products?
Yes. Each loan product can have its own booking rules, repayment schedules, fees, charges, collections workflows and servicing requirements.
Can disbursements be automated?
Yes. AI-LMS supports automated, scheduled and milestone-based disbursements with configurable approval controls.
How does AI-LMS handle collections?
The platform automates reminders, delinquency tracking, collections allocation, escalation workflows and recovery processes while providing real-time portfolio visibility.
Does it support Islamic finance products?
Yes. AI-LMS supports Islamic finance products such as Murabaha, Ijara and Tawarruq with configurable product structures and servicing workflows.
Can customers manage their loans digitally?
Yes. Borrowers can access loan information, repayment schedules, statements, payment options and service requests through web and mobile channels.
Does AI-LMS provide regulatory and portfolio reporting?
Yes. The platform offers configurable operational, financial, compliance and portfolio reports to support management and regulatory requirements.