ERP for NBFCs and Financial Services
One system for loan operations, collections, branch accounting and compliance, built on Odoo, ERPNext or SAP. Stop running a lending business across spreadsheets and disconnected tools.
50+ ERP implementations. Zero failed projects since 2021.
What an ERP actually changes for an NBFC
The shift from scattered spreadsheets to one connected system, in plain terms.
Onboarding in one flow, not five tools
KYC and files used to be re-keyed across tools, so onboarding dragged. Now it runs as one flow with documents and approvals, and a loan moves faster to disbursement.
- One onboarding flow with documents and approvals.
- Less re-keying, faster disbursement.
Follow-up that lowers cost
Follow-ups tracked on sheets let dues slip and cost rise. Now due lists, reminders and field collection live in one place, so recovery improves.
- Due lists, reminders and field collection in one place.
- Timely follow-up, lower collection cost.
A live portfolio, not a hand-built report
Portfolio and overdue numbers used to be compiled by hand. Now live portfolio, ageing and NPA build from one ledger and sit on one dashboard.
- Live portfolio, ageing and NPA on one dashboard.
- Board and regulator views ready on demand.
Every branch on shared books
Each branch used to run its own files and cash books. Now all branches work on one system with shared accounting, so the month-end close is faster.
- All branches on one system with shared books.
- Faster, cleaner month-end close.
Returns and audits without the scramble
Returns and audits used to mean weeks of pulling data. Now audit trails and reports are ready on demand, so the records a regulator asks for are a report.
- Audit trails and reports ready on demand.
- Regulatory returns build faster.
One live view across every branch
Each branch used to report its own figures, days late. Now live disbursement, collection and cost sit on one view, so leadership sees the real position.
- Live disbursement, collection and cost on one view.
- One source of truth across the company.
What an NBFC ERP is not
Honest limits, so the project starts on the right footing.
Not an overnight switch
A clean rollout takes weeks, not days. Products, branches and approvals need careful setup.
Not a fix for broken process
The system makes a good process faster. A messy one needs tidying first, which we help with.
Not always a core lending system
Where you run a separate loan management system, we connect it cleanly rather than replace it.
Not done without your team
Adoption depends on training. We train branch, collection and accounts staff by role.
NBFC problems, and how we fix them
| The problem | How we fix it |
|---|---|
| Onboarding and KYC re-keyed across tools | One onboarding flow with documents and approvals |
| Collections tracked on sheets, cost rising | Due lists, reminders and field collection in one place |
| Portfolio, ageing and NPA compiled by hand | Live portfolio and NPA dashboards from one ledger |
| Each branch keeps its own cash book | All branches on one system with shared accounting |
| Regulatory returns take weeks to prepare | Data and trails ready, so returns build faster |
| Disbursement and receipts reconciled by hand | Disbursement and receipts post to the ledger |
Financial businesses we work with
Lending NBFCs
Loan operations, collections, branch accounting and compliance on one connected system.
Microfinance
Group lending, field collections and branch operations across many locations.
Gold loan
Branch disbursement, collateral records, renewals and accounting in one place.
Vehicle and asset finance
Asset records, EMI tracking, collections and portfolio reporting end to end.
Housing finance
Loan operations, disbursement schedules and collections for home loans.
Fintech and SME finance
Back-office accounting and collections that connect to your digital lending stack.
Odoo, ERPNext or SAP for financial services
We are platform-agnostic. We recommend the fit, not the brand.
- Fast to roll out
- Accounting and collections
- Per-user pricing
- Accounting, HR and branch ops
- No per-user licence
- Host where you choose
- Real-time finance at scale
- Deep compliance and audit
- Multi-entity operations
| Criteria | | | |
|---|---|---|---|
| Pricing model | Per user | Open source | Subscription or licence |
| Best fit | Growing NBFCs | Cost-conscious teams | Large financial groups |
| Branch accounting | Configurable | Built in | Deep and real time |
| Typical go-live | 8 to 12 weeks | 8 to 12 weeks | 16 to 20 weeks |
| Scale | Small to mid | Small to mid | Mid to large |
How we implement your NBFC ERP
Map your loan flow
We walk through onboarding, disbursement, collections and accounting as they happen today, and find what to fix before we configure anything.
Recommend the platform
We match Odoo, ERPNext or SAP to your size, products and compliance needs, and tell you where each one fits.
Configure and connect
We set up products, branches, collections and accounting, and link your loan management system where you run one.
Migrate your data
We move borrower, loan and ledger data with checks at each step, so nothing is lost and the opening balances tie out.
Train by role
Branch, collection, credit and accounts teams each learn their own part, so the system is used from day one.
Go live with support
We pilot one branch, prove it, then roll out, and stay on hand through the first month-end close.
AI that saves your team real time
Document reading
KYC documents and bills are read and entered, so the back office keys far less by hand.
Collection reminders
EMI reminders go out before due dates, so collections stay on track and cost falls.
Plain-language search
Staff ask for a borrower, loan or receipt in everyday words and the system finds it.
Report delivery
Daily disbursement, collection and overdue summaries arrive on their own.
Overdue alerts
Accounts trending toward overdue are flagged early, so the team can step in.
Borrower assistant
A chatbot answers routine balance and due-date questions, freeing the branch for service.
What our financial services clients achieved
Why financial teams choose TCB Infotech
NBFC ERP questions
Which ERP is best for an NBFC?
Does the ERP replace our loan management system?
Can it handle collections across branches?
Does it help with compliance and audits?
Can it run many branches on one system?
How long does it take to go live?
Still running a lending business on spreadsheets?
Book a free consultation. We will map your onboarding, collections and accounting flow and show where an ERP pays back fastest.
Book a Free Consultation →No commitment. A working assessment of your current setup.
NBFC ERP Features From Onboarding to Collections
From the first KYC to the last receipt, here are the features that make an ERP worth running for a financial services business, on Odoo, ERPNext or SAP.
One system, from onboarding to the ledger
Onboarding and KYC in one flow
Borrower onboarding, documents and approvals run in one flow, so files are not re-keyed across tools and a loan moves faster from enquiry to disbursement.
- Borrower and document capture.
- Approval workflow by role.
- Disbursement that posts to the ledger.
Collections that lower cost
Due lists, reminders and field collection run in one system, so dues are followed up on time and collection cost comes down.
- Due and overdue lists by branch and officer.
- Reminders and field collection.
- Receipts posted to the ledger.
Portfolio and NPA in real time
Portfolio, ageing and NPA build from one ledger, so the numbers a regulator or board asks for are a report, not a week of work.
- Live portfolio and ageing.
- NPA and provisioning views.
- Reports for board and regulator.
Everything a financial operation needs
Branch operations
All branches on one system with shared accounting, cash management and day-end.
Accounting and finance
Disbursement, receipts, interest and charges post to one ledger for clean books.
Compliance and audit
Access controls and audit trails that keep records ready for returns and audits.
Loan system integration
Connect your core loan management system for accounting and reporting.
HR and payroll
Staff records, branch attendance and payroll on the same platform.
Dashboards
Live disbursement, collection, overdue and cost across every branch on one screen.