| NBFC - Non-banking finance companies |
| iLedger-NBFC covers entire lending cycle from loan application, approval, collateral, payment disbursement etc and supports the full financial accounting and day- to-day management. The application consists of user friendly reports covering various financial, outstanding and risk-management statements. It utilizes communication channels of internet and mobile for delivery of information to the users of iLedger. |
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Realtime on-line operations :
ILedger delivers real-time on-line operations in all the lending products and transactions of a customer. Head office, branches and net banking customers view and operate on on-line data ensures high degree of real-time information sharing. It is possible to process high volumes of transactions in multi-branch environments.
Modern Delivery Channel :
ILedger offers access to new electronic banking channels with full support for internet and mobile phone banking. It also features integration with Microsoft office and supports production of reports in word, excel etc.
Loan Products :
Various types of lending schemes are supported. User can define various loan products and offers the same to customers. Option to define products with Flat and Floating interest rates, penal interest etc. The application is designed to support loan against shares, Margin Finance, Gold Lon, Loan against fixed income certificates etc. It is possible for a customer to pay the installments or dues through any branch.
Risk Management :
Risk management reports like Exposure, daily collateral valuation etc are available.
Web client interface :
Application comes along with web client interface for every customer. Through this interface the end customer can view his/her reports and on-line request can be made.
Branch Interface :
The same application and its full functionality can be accessed by the branches also. Branches can perform entries, access reports and do other functions against their clients or ledger accounts. However, key operations like pledge creation with depository, EOD etc are centralized and permitted to do at Head office only.
Reports :
Various reports are available under various heads and options. Report features include drill down, search within report and expand or collapse of group details.
User rights :
Every option in our application is assigned to User(s) by an Admin. Administrators can tightly control the users with our User Role Master.
iLedger supports the following Exchanges and segments
 NSE – Cash, Futures& Options, Currency and Mutual funds
BSE- Cash, Futures& Options
MCX- Commodity futures and Currency
NCDEX- Commodity futures
NMCE- commodity futures
DGCX, Dubai- Commodity
Depositories
NSDL & CDSL
ILedger offers flexible, state-of-the-art 3 tier architecture based on a scalable and latest technology enabling you to grow and expand. Its centralized, customer-centric design offers a complete set of integrated retail lending modules sharing a user-friendly interfaces. ILedger offers simplicity of operations, low maintenance cost, high performance and lower cost of ownership. It enables management to taken an enterprise-wise overview of their entire operations and thereby improve efficiency, reduce overheads and ensure high service levels.
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