Collectors get today's routes with exact dues.
Sarvlekh for finance and lending businesses
Precision for every rupee that moves.
Loans, EMIs, collections and ledgers on rails — transparent for customers, audit-ready for you.
Loan #LN-2041 · ₹ 2,00,000EMI ₹ 18,450
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Portfolio at risk
Current82%
1–30 d11%
31–60 d5%
60+ d2%
0%Collection efficiency
0Active loans
0%PAR > 30
Illustrative preview
The shift
From the daily grind to a quiet, working system.
Before
- EMI tracking in spreadsheets
- Field collection leakage
- Slow month-end MIS
With Sarvlekh
- Automated schedules, penalties and ledger postings
- Collector app with receipts, geo-stamp and cash deposit control
- Live portfolio, aging and NPA dashboards
Field collections
Collectors know the route, the amount and the receipt.
Sharma Traders₹ 4,200Collected
Lakshmi Stores₹ 2,800Collected
Bansal Foods₹ 6,500Pending
Kumar & Sons₹ 3,100Next
Features
Everything a finance & lending needs, in one place.
Modules switch on as you grow. Every feature is phone-ready.
- 01
Loan origination
Applications, KYC, scoring checklist and approvals.
- 02
EMI & interest engine
Flat/reducing, penalties, prepayment and foreclosure.
- 03
Collections app
Route, receipt, geo-stamp and deposit reconciliation.
- 04
General ledger
Double-entry accounting, GST/TDS and trial balance.
- 05
Customer portal
Statements, due alerts and online payment.
- 06
Risk & aging
Portfolio at risk, bucket aging and NPA tracking.
- 07
Document vault
Agreements, e-sign and secure storage.
- 08
MIS & audit
Role-based access, maker–checker and complete audit trail.
A day with Sarvlekh
Your finance & lending, on quiet autopilot.
Reminders, entries and reports happen by themselves. You step in only where judgement matters.
Receipts post to the ledger instantly.
Aging report refreshes; defaults get flagged early.
Built to world standards
We study the best, then shape it to you.
We benchmark against respected open-source projects and global leaders, then tailor the best ideas to Indian finance and lending businesses.
Third-party names belong to their owners and are listed for comparison only. No partnership is implied.
FAQ
Questions about finance & lending software
Short, direct answers.
Which software is best for a small lending business?
Look for loan origination, EMI schedules, a collections app, ledger and MIS reports in one place. Sarvlekh builds this around your products, benchmarked against open-source cores like Apache Fineract.
Does it support daily or weekly collection?
Yes. Daily, weekly, monthly and custom schedules are supported with agent-wise collection reports.
Is the data audit-ready?
Every entry is logged with user and time, and maker–checker controls prevent unauthorised edits.
Can the finance & lending system be customised to our way of working?
Yes. Every Sarvlekh system is shaped around your workflow — modules, roles, reports and approvals are configured with you, not imposed on you.
Can Sarvlekh connect the finance & lending system to Tally and GST?
Yes. Sales, purchase and payment entries flow into Tally automatically and GST-ready invoices are generated from the same data.
How quickly can we go live?
A focused first release usually goes live in weeks. We start with the modules that remove the most manual work and expand in stages.
Ready to put your finance & lending in order?
Email connect@sarvlekh.in with a few lines about your finance & lending and we will reply with a plan.