[🤲 Microfinance]

Field Operations for Microfinance Institutions.

Group lending disbursement, weekly/monthly collection, field officer tracking, PAR reporting, RBI-NBFC-MFI compliance, social performance metrics, and branch-level treasury for MFIs operating at scale.

<30s

Group disbursal

99.2%

Collection efficiency

Real-time

PAR monitoring

RBI-MFI

Compliant

✗ The Problem

What you're dealing with today

✗Group loan disbursement takes 2-3 days - manual verification, branch-level NEFT, and paper-based GRT records

✗Weekly collection from 500+ groups per branch done via cash with manual entry - leakage and errors are constant

✗Field officer productivity not tracked - no visibility into daily meetings, collection rates, or group formation activity

✗PAR (Portfolio at Risk) reporting is monthly from back-office - branch managers fly blind on delinquency

✗RBI NBFC-MFI compliance (income assessment, household limit ₹3L, indebtedness cap) tracked in spreadsheets

✗Social performance metrics (outreach to women, SC/ST, minority) required by investors but calculated manually quarterly

✓ SpacePe Solution

How SpacePe fixes it

✓Instant group loan disbursement via IMPS to member Jan Dhan accounts - Aadhaar e-KYC verification, digital GRT records

✓Digital collection - UPI mandates for weekly/monthly installments, cash collection with OTP-verified digital receipts, real-time posting to member ledger

✓Field officer mobile app - GPS-tracked meeting attendance, real-time collection posting, group formation workflow, and daily productivity dashboard

✓Real-time PAR dashboard - PAR 0, PAR 30, PAR 60, PAR 90 updated with every collection posting, branch-wise, product-wise, officer-wise

✓Automated RBI MFI compliance - income assessment tracking per borrower, household indebtedness monitoring, pricing cap compliance, and quarterly MFIN reporting

✓Social performance dashboard - women borrowers %, SC/ST/OBC mix, rural/urban split, district-wise outreach - auto-generated for investor reporting

[Features]

Purpose-built for Microfinance

Not generic finance software. Every feature built around how your industry actually operates.

👥

Group Lending Engine

JLG and SHG loan management - group formation, GRT recording, member KYC, loan disbursement, and repayment scheduling. Bulk disbursement to 1,000+ members per batch.

💳

Collection System

Weekly and monthly collection via UPI mandates, cash (OTP-verified digital receipt), or bank transfer. Real-time posting to member ledger. Overdue auto-alerting.

📱

Field Officer App

GPS-tracked center meeting attendance. Real-time collection posting. Group formation workflow. Daily productivity metrics - meetings held, amount collected, new groups formed.

📊

PAR Dashboard

Real-time Portfolio at Risk - PAR 0, 30, 60, 90+ cuts. Branch-wise, officer-wise, product-wise drill-down. Early warning alerts on deteriorating cohorts.

⚖️

RBI MFI Compliance

Automated income assessment tracking. Household indebtedness monitoring against ₹3L cap. Pricing cap compliance (interest + fees). Quarterly MFIN/Sa-Dhan reporting templates.

🌍

Social Performance Metrics

Track outreach - women borrowers, SC/ST/OBC/minority, rural vs urban, first-time borrowers. District-wise penetration maps. Investor-ready quarterly reports.

[How It Works]

Step-by-step workflow

Form groups and conduct GRT with digital recording

Disburse loans via IMPS to member bank accounts

Collect weekly installments via field officer app

Monitor PAR in real-time across all branches

Track field officer productivity daily

Generate RBI compliance and MFIN reports

Produce social performance investor reports

Collection efficiency went from 96.1% to 99.2% with UPI mandates. PAR 30 dropped from 3.8% to 1.1% because we could intervene in real-time.

- CEO, MFI (₹800 Cr AUM, 14 states)

[Platform Modules]

Everything activated for this industry

Disbursements

Collections

KYC

Compliance

Analytics

Field Ops

Treasury

Reporting

[ Integrated with India's Leading Banks ]

Yes Bank ★

IDFC First Bank ★

RBL Bank ★

SBI

ICICI Bank

Bank of Baroda

PNB

HDFC Bank

Bandhan Bank

AU Small Finance Bank

★ Deep Integration Partners - Direct API connectivity

Get an industry demo for Microfinance

We'll show you exactly how SpacePe works for your specific use case.

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