Solutions
Loan management software that collects on WhatsApp
Run your full loan book — EMI schedules, collections, receipts, overdue tracking — with reminders, payment links and statements delivered where your borrowers actually look: WhatsApp.
Why traditional loan software fails at collections
Most loan management software does the maths and stops there. Reminders go out on SMS nobody reads, receipts are printed on paper, and your team still spends every morning calling defaulters one by one. The software manages the loan — but the collection, the part that actually decides whether you make money, is left to phone calls and memory.
Replyzet's Loan Manager is built the other way around: every event in the loan's life — upcoming EMI, overdue installment, payment received, loan closed — automatically becomes a WhatsApp message with 98% open rates. Borrowers get a payment link, pay on their phone, and the EMI records itself with a receipt sent back instantly. No other loan software in India does this natively.
A complete loan book, not just a calculator
- ✓Flat and reducing-balance interest with paise-exact EMI schedules
- ✓Monthly, weekly and daily collection frequencies — built for vehicle finance and daily-line lending
- ✓Guarantor records, asset/vehicle details, processing fees and late-fee rules per loan
- ✓Partial and advance payments — collections fill the oldest dues first, automatically
- ✓Auto-numbered receipts on every collection, delivered to the borrower on WhatsApp
- ✓Foreclosure with a one-click payoff quote (overdue dues + remaining principal + your charge)
- ✓RBI-style overdue aging: SMA-0/1/2 buckets and NPA flags at 90+ days past due
- ✓Agent-wise collection reports and a daily day book
- ✓Import your existing loan book from Excel/CSV in minutes
Reminders and payments that close the loop themselves
Set your reminder timing once — say 3 days before every due date, plus follow-ups for overdue EMIs — and the system runs daily on autopilot. Paid installments never get nagged. When a borrower taps the Razorpay payment link and pays, the EMI is recorded, the receipt goes out and your overdue report updates — all without anyone touching the dashboard.
Because it runs on the official WhatsApp Business API, every message is a Meta-approved template from your own verified business number, with per-message delivered/read status for your records.
Built for the lenders big software ignores
Vehicle financiers, gold-loan companies, microfinance groups and private lenders are stuck between ₹40,000 desktop software from 2010 and enterprise NBFC platforms that start at lakhs per year. Loan Manager is included in Replyzet's standard plans — the same subscription that gives you the WhatsApp inbox, campaigns and automation your business already needs.
Frequently asked questions
Does it support flat as well as reducing-balance interest?+
Yes. Choose per loan: flat (simple interest) or reducing balance (bank-style), with monthly, weekly or daily installment frequencies. The full schedule with principal/interest split is generated instantly.
Can borrowers pay their EMI on WhatsApp?+
Yes. Send a Razorpay payment link for any installment in one tap (or let reminders carry it). When the borrower pays, the EMI is recorded automatically and a receipt is sent back on WhatsApp.
How do automatic EMI reminders work?+
You pick the timing (e.g. 3 days before due, plus overdue follow-ups) and an approved template once. The system checks your loan book daily and reminds exactly the right borrowers — installments that are already paid are skipped automatically.
Can I bring in my existing loans?+
Yes. Upload a CSV of your running loans (borrower, amount, rate, tenure, first due date) and each becomes a full loan with its schedule. A sample file shows the exact format.
Does it track NPAs and overdue aging?+
Yes. Every active loan shows days-past-due with SMA-0 (1–30), SMA-1 (31–60), SMA-2 (61–90) and NPA (90+) buckets, plus portfolio outstanding and overdue totals on one dashboard.
Is this a separate product from Replyzet?+
No — Loan Manager is a module inside your Replyzet workspace, so collections, chats, campaigns and your WhatsApp number all live in one place under one subscription.
E-commerce & D2C
Automobile Dealerships
Healthcare & Clinics
Education & Coaching
Real Estate
Finance & InsuranceYour competitors are already on WhatsApp.
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