Shaped to Your Rules
Configure loan schemes, flat or reducing interest, weekly or monthly EMIs, fees and approval chains — without writing code.
AI-powered core lending platform
Run your whole society on one platform
AI-powered lending, collections, accounts and HRM for Samitis, co-operative banks and microfinance institutions — with PAN, Aadhaar and credit bureau checks built into every loan.
AI KYC & verification
Verify every borrower before you lend
AI reads the Aadhaar card and fills the form. PAN is validated live against the registry. CRIF and Equifax credit reports are pulled in the app and summarised by AI for the credit team.
Field mobile app
Collect EMIs at the doorstep, verified by the cashier
Field officers onboard members with Aadhaar OCR, run centre meetings and record every EMI on their phone — with GPS attendance built in.
Accounts & MIS
Close your books every day, not every quarter
Every EMI, disbursement and expense posts to the ledger automatically. Day book, P&L, Balance Sheet and PAR reports on demand.
AI-powered
KYC, appraisal & credit analysis
PAN & Aadhaar
Verified inside the app
Live credit reports
CRIF & Equifax in one click
Maker–checker
On every rupee that moves
What Sets NG TECH Apart for Community Lenders?
Most societies run on registers, WhatsApp and spreadsheets. NG TECH replaces them with one connected system that field staff, branch managers, cashiers and the board all trust.
Maker–Checker Control
No collection, voucher or disbursement counts until it is authorised, so no single person can move money alone.
Books Closed Daily
Live cash and bank position per branch, day book, cash book and voucher authorisation as it happens.
Built for the Field
Installable mobile app with camera KYC, GPS attendance and EMI entry at the centre meeting.
AI Credit Appraisal
Live CRIF and Equifax reports, AI risk summary of any bureau report (including CIBIL), eligibility checks and clear reject reasons.
Board-Ready MIS
PAR, SMA, portfolio summary and branch performance — with one-click Excel export for auditors.
HRM & Payroll
Biometric and GPS attendance, leave with auto-escalation, payroll, payslips, ID and visiting cards.
Legacy Data Migration
Borrowers, groups, schedules, past receipts and opening balances — reconciled with you before go-live.
AI-Powered Lending, Verified at Every Step
NG TECH puts artificial intelligence and live verification inside the everyday workflow — so field officers work faster and credit teams decide with confidence.
AI
AI Aadhaar reading
The officer photographs or uploads the Aadhaar card (image or PDF). A vision AI model reads it and fills in the name, Aadhaar number, date of birth, gender and address — no manual typing, fewer errors.
AI
AI credit-report analysis
Upload or fetch a bureau report and AI reads it end to end — active loans, overdues, write-offs and enquiries — and writes a plain-language risk summary for the Credit Manager.
AI
AI field appraisal
AI scores each borrower's field-interview answers and combines a whole group's results into one appraisal note — consistent assessments across every officer.
AI
Rewrite with AI
Officers write loan recommendations, remarks and push-back reasons in Bengali, Hindi or English. One tap turns them into clear, professional English for the file.
KYC & credit checks — done inside the app
Live PAN verification
PAN is validated live against the registry through a licensed verification API. The registered name, date of birth, gender, address and PAN–Aadhaar link status appear next to what the officer typed, so any mismatch is caught before submission.
Aadhaar capture & check
Aadhaar details are read by AI from the card, stored with the card image in a watermarked KYC vault, and the masked Aadhaar linked to the PAN is shown for cross-checking.
Live credit bureau reports
CRIF High Mark and Equifax reports are pulled from inside the Credit Manager portal, with the full report history saved on the customer's record. The borrower's signed bureau consent is captured with the application.
Prepaid verification wallet
PAN and bureau calls draw from one organisation-wide prepaid balance, with usage analytics for management — no surprise bills.
- CapturePhoto of Aadhaar & customer
- AI readsForm filled automatically
- PAN verifiedName, DOB & Aadhaar link
- Credit reportCRIF / Equifax pulled live
- AI summaryRisk note for the credit team
- DecisionMulti-level sanction
We Design Your Website Too — End to End
Your members and borrowers search for you online. NG TECH designs and runs your institution's website as well — so your public face and your back office come from one trusted partner.
Designed in your brand
A professional website with your name, logo and colours — content in Bengali, Hindi or English.
Loan products & EMI calculator
Pages for each loan and savings product, with interest rates and an EMI calculator borrowers can use on their phone.
Enquiries that reach your team
Loan and membership enquiry forms, click-to-call and WhatsApp chat — so new business reaches your branch the same day.
Compliance & trust pages
Registration details, fair practices code, grievance redressal, interest-rate policy and privacy pages — clearly published.
Domain, hosting, SSL & email
Your own domain, secure hosting, SSL certificate and branded email addresses like name@yourinstitution.in — set up and managed.
Mobile-first & easy to find
Fast on any phone, search-engine ready, with a branch locator and Google Business profile set up for each branch.
One partner. Everything digital.
From the website your borrowers see to the balance sheet your board reads — designed, delivered and supported by NG TECH.
- Website & domainPublic site, SSL, branded email
- Field mobile appKYC, collections, GPS
- AI & verificationAadhaar, PAN, credit reports
- Core lending & accounts8 portals, 9 modules
- Migration & trainingYour data, your staff
- Support & upgradesBackups, updates, help
How We Work
From the first call to go-live and beyond — a clear, six-step path your team can follow.
01
Understand your institution
We sit with your team to map your loan products, branches, approval chain and reporting needs. A free 30-minute live demo uses your own products.
02
Configure the platform
Loan schemes, charges, foreclosure rules, location and branch masters, employee roles and page-level access are set up to match how you work.
03
Migrate your data
We bring over borrowers, groups, loan schedules, past receipts and opening cash and bank balances, then reconcile totals with you to the rupee.
04
Train every role
Field officers, cashiers, branch managers and head office are trained on their own portal — in Bengali, Hindi or English.
05
Go live
A single-branch Samiti can be live within a week. Multi-branch institutions with data migration typically take 3–6 weeks.
06
Ongoing support
Email and WhatsApp support, regular backups and new features as your institution grows — from one branch to many.
Why Institutions Choose NG TECH
8Role-based portals
9Integrated modules
45+Ready-made features
7Days to go live
3Training languages
Built for Every Kind of Community Lender
The same core platform, configured for how your institution lends.
Samitis
Member savings and credit with group meetings, collections and transparent member statements.
Co-operative Banks
Multi-branch lending with maker-checker controls, daily books and board-ready MIS.
Credit Societies
Member onboarding, loan schemes, EMI tracking and share / fee accounting.
Microfinance (MFI)
JLG / group lending with weekly centre meetings, PAR tracking and field mobility.
SHG Federations
Group formation, leader changes with approval, and group-wise demand sheets.
Section 8 NGOs
Welfare lending with a full audit trail and compliant loan documentation.
Gold & Business Loans
Configure new products alongside personal and group loans in the loan master.
Nidhi & NBFCs
Scale from one branch to many, with branch performance and portfolio MIS.
A Look Inside the Platform
The workflows your teams use every day, shown here with sample data. Click any screen to enlarge it.
From First Visit to Loan Closure
Every stage of the loan is digital, tracked, and visible to the people who need it.
- OnboardLead, KYC & group formation
- AppraisePAN, bureau & AI risk checks
- Sanction & disburseMulti-level approval, auto EMI schedule
- CollectField EMI, cashier authorisation
- Report & closePAR, P&L, foreclosure
Customer & KYC
- AI Aadhaar reading & auto-fill
- Live PAN verification & Aadhaar link check
- Photo & document vault with watermark
- Nominee, bank & address details
- Profile changes need authorisation
Groups & Centres
- Centre & group masters
- Meeting day / time scheduling
- Group leader changes with approval
- Group-wise collection sheet
Loan Origination
- Configurable loan schemes
- Live CRIF & Equifax credit reports
- AI credit-report risk summary
- Multi-level sanction workflow
- Loan agreement & KYC print docs
Disbursement & Collection
- Cash / bank disbursement
- Auto-generated EMI schedule
- Field EMI collection & cashier authorisation
- Foreclosure & penalty waivers
Accounts
- Ledger master & vouchers
- Cash & bank position
- Income & expenditure
- P&L and Balance Sheet
MIS & Reports
- PAR & SMA reports
- Portfolio summary & branch performance
- Active borrower report
- Monthly targets vs achievement
HRM & Payroll
- Biometric & GPS attendance
- Leave with auto-escalation
- Payroll, payslips & salary status
- ID cards & visiting cards
Leads & Growth
- Lead capture & follow-up
- Team lead dashboards
- Monthly targets
- Wallet & incentives
Administration
- Page-level access grants
- Feature flags & bulk data import
- Built-in team chat
- Master admin console
Your Members' Data, Protected at Every Step
Financial data needs more than a password. NG TECH enforces access on the server, requires two people to approve money movements, and logs every change.
Server-side authentication
Hashed passwords, server sessions, OTP login and forced password changes.
Maker–checker
No collection, voucher or disbursement counts until it is authorised.
Granular access
Every page and API is checked against the employee's role and grants.
Verified attendance
Biometric and GPS punch-in; login blocked while on approved leave.
Document watermarking
KYC images are watermarked and camera-guarded against misuse.
Hosted in India
Your data is stored in India, with regular backups.
Priced for Societies of Every Size
Simple annual subscription with setup, data migration and staff training included. Add a professionally designed website to any plan.
Starter
Samitis & single-branch societies
Talk to usfor pricing
- 1 branch, up to 15 staff
- Lending, collection & accounts
- Field mobile app
- Email & WhatsApp support
Most popular
Growth
Growing MFIs & credit co-operatives
Talk to usfor pricing
- Up to 10 branches
- All modules incl. HRM & payroll
- Legacy data migration
- Priority support & training
Enterprise
Co-operative banks & multi-state lenders
Customscoped to you
- Unlimited branches
- Dedicated server option
- Custom workflows & reports
- On-site onboarding
Frequently Asked Questions
Can you migrate our existing data?
Yes. We have migrated a live MFI from a legacy system, including borrowers, groups, loan schedules, past receipts and opening cash and bank balances. We reconcile totals with you before go-live.
How is the platform AI-powered?
AI is built into everyday work: it reads Aadhaar cards and fills the onboarding form, analyses credit bureau reports into a plain-language risk summary, scores field appraisals for each borrower and group, and rewrites officers' notes from Bengali or Hindi into professional English.
How are PAN, Aadhaar and credit checks done?
All inside the app. PAN is verified live against the registry (name, date of birth, gender, address and PAN–Aadhaar link status). Aadhaar details are read from the card by AI. CRIF High Mark and Equifax credit reports are pulled live from the Credit Manager portal, with the borrower's signed consent on file. Verification calls are paid from a prepaid wallet.
Can you design our institution's website too?
Yes. We design and manage your public website — loan products, EMI calculator, branch locator, enquiry forms, WhatsApp chat and compliance pages — along with your domain, hosting, SSL and branded email. Together with the lending platform, field app, data migration, training and support, that makes NG TECH your single end-to-end technology partner.
Does it work for weekly group loans and monthly personal loans together?
Yes. Loan schemes are configured in the loan master. Weekly JLG / group loans and monthly personal loans run side by side, each with its own schedule, charges and foreclosure rules.
Do field staff need a special phone or app store download?
No. NG TECH installs from the browser as a mobile app (PWA) on any Android phone, with camera KYC, GPS attendance and EMI collection.
How are approvals handled when an officer is on leave?
Approvals escalate automatically. A Credit Manager's queue goes to the Branch Manager, and a Manager's goes to the Project Head, so loans never sit waiting.
Can we use our own name and logo?
Yes. Your institution's name, logo, registration details and legal text appear on every portal, loan agreement and email.
How long does implementation take?
A single-branch Samiti can be live within a week. Multi-branch institutions with data migration typically take 3–6 weeks.
Let’s Build Your Next Chapter
Book a free 30-minute demo. We'll walk you through the live system with your own loan products and answer every question.
- Live walkthrough of all 8 portals
- Migration plan for your existing data
- Website design proposal on request
- Transparent pricing, no hidden fees
