MakeMyCEO - Financial Services

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MakeMyCEO for Financial Service Businesses

MakeMyCEO Lending system designed to automate the complete lending lifecycle—from loan origination and disbursal to repayment tracking, compliance, and regulatory reporting. It enables lenders to manage personal loans, business loans, and co-lending models from a single, unified platform.

Built for flexibility and scale, MakeMyCEO Lending system helps financial institutions streamline operations, maintain compliance, reduce manual effort, and gain real-time visibility across their lending portfolio—all while retaining full control through open-source architecture.

Take complete control of your lending operations with MakeMyCEO Lending system design, configure, and manage loan products tailored to your business model—whether you offer home loans, business credit, personal loans, or customized financing solutions. Define loan terms, manage interest structures, and automate repayments seamlessly, ensuring smooth loan administration from disbursement to final closure.

Key Capabilities

Create loan products
Define loan properties
Set up repayment schedules
Configure DPD and NPA rules
Apply moratoriums

Create Loan Products

Every lending institution has unique requirements. MakeMyCEO Lending system allows you to create multiple loan products, each with its own interest structures, repayment rules, tenure definitions, and classification logic.
From simple retail loans to complex, multi-stage lending products, you retain complete control over how each loan type is structured and managed—without limitations.

Define Loan Properties

Flexibility is critical in lending operations. Some loans require fixed interest rates, while others benefit from floating or market-linked rates. Certain products may include processing fees, while others require prepayment or foreclosure charges.

With MakeMyCEO Lending system , you can configure all such parameters directly within the loan product. Once defined, these rules are automatically applied across the lifecycle of the loan, ensuring accuracy, consistency, and reduced manual intervention.

Set Up Repayment Schedules

Clear and predictable repayment structures build trust and reduce disputes. MakeMyCEO Lending system supports a wide range of repayment models, including:

Standard EMI schedules
Interest-only periods
Custom or hybrid repayment structures

You can define monthly, weekly, quarterly, or lump-sum payment frequencies, with the system automatically generating accurate repayment schedules for every loan—bringing transparency for both lenders and borrowers.

Configure DPD and NPA Rules

Timely monitoring of repayments is essential for portfolio health. With automated Days Past Due (DPD) tracking, MakeMyCEO Lending system monitors delinquency status on a daily basis.
Loans can be configured to automatically transition into Non-Performing Asset (NPA) status once predefined thresholds are breached.

For exceptional cases, manual overrides are also supported—giving you the perfect balance between automation and operational control.

Apply Moratoriums

Borrower circumstances can change, and temporary relief may be required. MakeMyCEO Lending system’s moratorium management allows you to suspend EMI, principal, or interest obligations for a defined period.

Whether driven by regulatory guidelines, financial relief programs, or individual borrower arrangements, moratoriums can be applied cleanly while maintaining accurate loan accounting and compliance.

Managing loans should be simple, controlled, and transparent. A modern loan operations system enables you to manage the complete lending lifecycle—from loan creation to repayment and closure—without manual complexity. With automated tracking, accurate accounting, and structured workflows, your teams can focus on scaling lending operations while ensuring a smooth experience for both lenders and borrowers.

Core Capabilities

Create and manage loan accounts
Process loan disbursements
Handle collections and repayments
Manage settlements and write-offs
Process loan refunds

Create and Manage Loan Accounts

Every loan begins with a clearly defined loan account. The system allows you to quickly create loan accounts by selecting the borrower, assigning the loan product, and defining the repayment frequency.

Whether you are offering term loans with fixed EMIs or flexible credit lines, you can configure key parameters such as interest rates, tenure, moratorium periods, and repayment structures. Loans can be marked as secured or unsecured, customized with specific conditions, and monitored from a single, well-organized system—ensuring complete visibility across your loan portfolio.

Process Loan Disbursements

Once a loan is approved, disbursement should be fast, controlled, and fully traceable. The platform ensures that every loan disbursement is accurately recorded and aligned with financial controls.

Disbursement accounting is handled automatically, including security deposits, deductions, and ledger entries, ensuring funds are released on time while maintaining clean and compliant financial records. This eliminates manual reconciliation and reduces the risk of accounting errors.

Handle Collections and Repayments

Loan repayments can take many forms—scheduled EMIs, advance payments, partial prepayments, full closures, or negotiated settlements. The system automatically tracks all incoming payments and allocates them correctly across principal, interest, penalties, and charges.

Repayments are reflected in real time, keeping loan balances, borrower status, and financial statements continuously updated. Whether managing regular loan accounts or delinquent and stressed assets, every transaction remains transparent and auditable.

Configure DPD and NPA Rules

Not all loans follow the original repayment plan. In certain cases, borrowers may request a settlement at a reduced amount, or loans may become unrecoverable and require write-offs.

The system provides a structured workflow to handle settlements, write-offs, and loan closures in line with accounting and compliance best practices. Every action is logged with complete audit trails, ensuring financial clarity and regulatory readiness.

Process Loan Refunds

Overpayments, incorrect charges, or special adjustments may occasionally require refunds. Instead of handling these cases manually, the platform enables you to process loan refunds directly within the system.

By selecting the loan account and specifying the refund amount, reversals can be processed while preserving complete transaction history and reconciliation accuracy. This ensures operational efficiency, financial transparency, and compliance—without added complexity.

Secured lending builds confidence, but managing collateral shouldn’t become an operational burden. Tracking pledged assets, maintaining accurate valuations, and handling timely releases require precision and control. A modern collateral management system streamlines the entire process, ensuring you always have a clear, reliable record of the security backing each loan.

Core Capabilities

Define collateral types
Assign and release security
Track security prices
Receive shortfall alerts

Define Collateral Types

Different loan products require different forms of security. The system allows you to categorize collateral across property, gold, shares, commodities, fixed deposits, or any asset type relevant to your lending model.

Each collateral type is recorded in a structured format, capturing ownership details, valuation rules, and applicable constraints. This ensures complete visibility into the assets pledged against active loans, with every detail organized and easily accessible.

Assign and Release Security

Linking collateral to a loan is simple and controlled. Once an asset is pledged, it can be assigned to a loan while remaining securely linked until repayment obligations are fulfilled.

If a single asset is pledged across multiple loans, the system tracks allocations accurately, preventing over-pledging or misuse of the same security. When a loan is fully settled, collateral release is seamless—records update instantly, ownership is restored without delays, and unnecessary paperwork is eliminated.

Track Security Prices

Certain collateral types, such as stocks, commodities, or market-linked instruments, fluctuate in value over time. Instead of relying on manual updates, the system automatically tracks valuation changes and applies the latest prices.

This ensures that loan-to-value (LTV) ratios remain accurate, helping you monitor risk exposure continuously and make timely adjustments to collateral requirements when needed.

Get Shortfall Alerts

A decline in collateral value can increase lending risk if left unnoticed. The system actively monitors pledged assets and triggers alerts when security values fall below defined thresholds.

These alerts enable quick action—whether requesting additional collateral, reviewing loan terms, or reassessing exposure—helping you protect your portfolio while maintaining proactive risk control.

Managing loan disbursements, tracking repayments, and maintaining accurate financial records can quickly become complex. Every transaction—whether it’s a disbursement, collection, adjustment, or write-back—must be recorded correctly to keep books balanced and ensure regulatory compliance. Manual tracking increases the risk of errors, missing entries, and lengthy reconciliations. A modern lending accounting system automates these processes, keeping financial records accurate, consistent, and audit-ready at all times.

Core Capabilities

Automated loan accounting
Disbursement and collection entries
Suspense accounting management
Comprehensive financial reporting

Automated Loan Accounting

Lending is not just about issuing loans—it’s about tracking every financial movement precisely. Interest accruals, penalties, adjustments, and repayments must be recorded accurately to avoid mismatches in books.

The system automatically posts all loan-related transactions to the appropriate ledgers, eliminating the need for manual journal entries. This reduces accounting errors, ensures consistency, and keeps your financial records aligned with actual loan activity.

Disbursement and Collection Entries

Once a loan is approved, funds must be disbursed with complete financial traceability. Each disbursement is instantly recorded and mapped to the correct accounts.

When repayments are received, collections are automatically split across principal, interest, penalties, and charges based on predefined rules. This structured allocation removes ambiguity, simplifies reconciliation, and ensures every payment is fully accounted for without manual intervention.

Suspense Accounting Management

Non-performing and overdue loans require careful income recognition. Interest and charges on such accounts cannot be treated as realized income until they are actually received.

The system automatically routes unrealized interest and charges into a suspense account, ensuring reported revenue reflects true collections. Once payment is received, amounts are transferred back to income seamlessly—maintaining transparency, accuracy, and compliance with accounting best practices.

Comprehensive Financial Reports

Clear reporting is essential to understand the financial health of your lending operations. The system provides detailed, real-time financial reports that answer critical questions:

Are collections meeting expectations?
How much interest has been recognized?
What is the exposure on overdue and non-performing loans?

Standard reports such as trial balance, balance sheet, profit and loss statements, and loan-wise ledgers are readily available, enabling informed decision-making and confident financial oversight.

Loan transactions often involve more than just principal and interest. Processing fees, penalties, documentation charges, and other service-related costs must be applied accurately and in compliance with taxation rules. Manual handling increases the risk of missed charges, calculation errors, and regulatory issues. A centralized billing and taxation system automates charge application, invoicing, and tax computation—ensuring accuracy, consistency, and complete transparency at every stage of the loan lifecycle.

Core Capabilities

Create and apply charges
Generate invoices and credit notes
Assign and manage taxation rules

Create and Apply Charges

Loans include multiple fee components beyond the borrowed amount. You can configure various charge types such as processing fees, early repayment penalties, documentation costs, insurance charges, or service fees.

Once defined, these charges are automatically applied at the appropriate stage—during loan booking, disbursement, repayment, or closure. This ensures no revenue leakage, accurate calculations, and consistent application of charges across all loan accounts without manual intervention.

Generate Invoices and Credit Notes

Every charge must be clearly recorded and communicated. The system generates detailed invoices directly linked to the loan account, providing borrowers with full visibility into applied fees and taxes.

If adjustments are required—such as waiving a charge, correcting an error, or issuing a refund—credit notes can be generated seamlessly. This maintains a complete audit trail, ensures transparency, and keeps billing records clean and compliant.

Assign and Manage Taxation Rules

Tax compliance is a critical part of lending operations. Instead of manually calculating taxes for each charge, you can define taxation rules once and apply them consistently across all invoices.

Whether it’s GST, VAT, or other applicable taxes, the system automatically calculates and applies the correct tax rates based on configured rules. This reduces compliance risks, eliminates manual errors, and ensures all billing remains aligned with prevailing tax regulations.

Lending always involves risk, but early visibility can prevent small issues from turning into major losses. Missed payments, overdue accounts, and rising NPAs directly affect cash flow, portfolio health, and regulatory compliance. Manually monitoring overdue loans and updating classifications is time-consuming and prone to errors. A structured risk and compliance framework automatically tracks delinquencies, classifies NPAs, and keeps credit reporting accurate—so you stay in control of your loan portfolio at all times.

Core Capabilities

Track Days Past Due (DPD)
Auto-classify NPAs
Override NPA classifications

Track Days Past Due (DPD)

A single delayed payment may seem manageable, but repeated delays across multiple accounts can quickly escalate risk. The system tracks Days Past Due (DPD) for every loan, updating overdue counts automatically and maintaining a complete historical record.

Whether you’re reviewing an individual borrower or analyzing portfolio-wide delinquency trends, you get a clear, real-time view of overdue payments—helping credit and collections teams act early and decisively.

Auto-Classify NPAs

Manual NPA classification is not only inefficient but also risky from a compliance perspective. Delays or inconsistencies can lead to inaccurate reporting and regulatory exposure.

The platform automatically classifies loans as Non-Performing Assets (NPAs) once they cross predefined overdue thresholds. This ensures that problem accounts are identified immediately, financial statements stay accurate, and compliance requirements are consistently met without manual intervention.

Override NPA Classifications

Not every overdue loan follows the same recovery path. Some accounts may be under restructuring, temporary relief, or active recovery efforts that justify a different classification.

The system allows authorized users to override automated NPA classifications when required. This flexibility ensures your records reflect real business decisions, not just rigid rules—while still maintaining full audit trails and governance controls.

Lending is often a collaborative effort. Financial institutions partner with co-lenders to expand reach, diversify risk, and unlock larger lending opportunities. At the same time, operational needs may require loans to be transferred between branches or internal entities. Managing these scenarios manually can lead to mismatched records, accounting errors, and operational delays.

A unified co-lending and loan transfer framework ensures that every lender’s share, transaction, and accounting entry is accurately tracked—without operational complexity.

Core Capabilities

Onboard co-lenders
Configure interest splits
Automate co-lender accounting
Transfer loans between branches

Onboard Co-Lenders

Partnering with co-lenders enables you to scale lending operations while sharing exposure—but only if ownership and participation are clearly defined from the start.

The system allows you to onboard co-lenders by capturing their details, contribution percentages, and participation terms. Each co-lender is directly linked to relevant loan accounts, ensuring transparency and clear ownership across the entire loan lifecycle.

Configure Interest Splits

When multiple lenders fund a single loan, interest distribution must be precise. Manual calculations increase the risk of disputes and reconciliation errors.

Interest splits are automatically calculated based on predefined allocation rules. As repayments are received, interest income is distributed accurately between participating lenders—ensuring fair allocation, consistency, and complete traceability without manual intervention.

Automate Co-Lender Accounting

Non-performing and overdue loans require careful income recognition. Interest and charges on such accounts cannot be treated as realized income until they are actually received.

Transfer Loans Between Branches

Operational changes such as branch restructuring, borrower relocation, or internal realignments often require loans to be reassigned. These transfers should not disrupt financial records or reporting.

Loans can be transferred seamlessly between branches while preserving complete loan history, accounting entries, and borrower data. The system automatically updates branch mappings, accounting dimensions, and ledgers—ensuring continuity, accuracy, and audit readiness throughout the transition.

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