lms.ezee
Build, Scale, and Service Loans with
100% No-Code Loan Management System
Designed for Speed. Built for Control.
Run every loan like a living system.
Configure automated loan processing flows, automate operations, and scale portfolios across products, partners, and geographies without operational drag.
28 Days Full LMS Go-Live
2000+ Built-in Validations
End-to-End Workflows
30x Lower NPAs
Built for Everything Beyond Disbursement.
From EMI processing to NPA classification, from collateral tracking to foreclosure, lms.ezee handles the operational complexity your core banking was never built for.
Real-Time Transaction Engine
Process repayments, fees, penalties, and reversals in real time. Value-date transactions for complex operations.
Multi-Product Loan Support
Personal, Home, Car, LAP, Business, SME, BNPL — configure any loan product on a single platform.
Built-In NPA & Asset Classification
Automatic Standard/Sub-Standard/Doubtful/Loss classification. System NPA and manual override controls.
Document Servicing
SOA, foreclosure projection, repayment schedule,
interest certificates – generated and served on demand.
API-First Integration
REST APIs for core banking, ERP, LOS, and third-party ecosystem. Plug into your existing infrastructure.
Can Your Current System Handle This Without Manual Fixes?
Track Every Rupee.
Trace Every Settlement.
The operational complexity of repayment processing is where most LMS solutions break. lms.ezee handles it natively.
Credit & Auto/Manual Knock-Off
Standard and Non-Standard classification with IPC, CIP, PIC modes. Configurable priority logic.
NACH & PDC Mandate Management
Set up, track, and process collection mandates. Handle bounce processing and retry logic.
Waivers & Settlements
Knock-off waivers for relief. Tranche-wise settlements for stressed customers with full audit trail.
Excess & Suspense Management
Track unallocated and untraced amounts. Process suspense resolution with clear allocation trails.
Refunds & Reposting
Handle collections that become liabilities. Reverse and repost with full traceability.
A Smart Configuration Layer for All Your Loan Products.
Define interest rates, penal logic, repayment frequencies, cycle dates, tenure ranges, and calculation types — all from a single configuration layer.
Multi-Product Configuration
Personal, Home, Car, LAP, Business, BNPL — manage all books in one place with product-level settings.
Scheme-Level Granularity
Multi-level configurations: frequencies, cycle-date, min/max tenure, interest bands, penal posting policies.
Charges & GST Handling
Processing fees, penal charges with GST. Centralized and de-centralized booking. Configurable event rules.
GL Configuration & Event Rules
Map every transaction to your general ledger. Configure event-driven rules for automated accounting entries.
Handle the Complexity That Simpler Systems Cannot
Multi-tranche lending, collateral utilization, write-off policies, and rescheduling — natively supported.
Collateral Management
Track utilization and release for top-up loans. Collateral-to-loan mapping across the book.
Multi-Tranche Support
Customer-specific borrowing tranches. Each tracked independently with its own schedule.
Rescheduling & Restructuring
Tenure modifications, rate resets, service requests — with full audit trail.
Write-Off Management
Process write-offs per organizational policy. Track provisioning and post-write-off recovery.
NPA & Asset Classification
Automatic Standard → Sub-Standard → Doubtful → Loss. System and manual NPA overrides.
ACL & Master Data
Role-based access. Central master for products, schemes, charges, and hierarchy.
Everything About a Customer. One Screen. One Click.
Your operations team should not spend time switching between systems. lms.ezee gives them a consolidated view of every customer, every loan, and every collateral in a single dashboard.
Customer 360 Dashboard
Consolidated view — total facilities, active/closed loans, NPA status, DPD, collateral position. Navigate to any loan or collateral directly.
Loan 360 Snapshot
Outstanding, overdue, principal/interest split, DPD gauge, product/scheme details, repayment schedule, linked customers — all visible without navigation.
Self-Service Document Generation
SOA, repayment schedule, account statement, credit note, interest certificate — downloadable on demand.
Report Builder / BI Tool
Custom reports for portfolio analysis, NPA tracking, collection performance, and regulatory submissions.
From Onboarding to Closure. One Connected Flow.
lms.ezee connects with your origination and collection systems to cover the entire post-disbursement lifecycle.
Onboarding & Self-Service
Web and app interface. Self and assisted onboarding with omnichannel communication.
Underwriting Integration
Low-code, workflow-based underwriting with business rule engine, scorecards, and deviation handling.
Servicing & Transaction Management
Real-time processing, repayment appropriation, GL posting, charges, and NPA classification.
Collections-Ready Foundation
NACH/PDC management, offline repayments, demand generation — feeds directly into your collection workflow.
Enterprise Security & Compliance
Meeting the most stringent regulatory requirements while enabling innovation
ISO 27001:2022
SOC 2 Type II
AES-256
GDPR Ready
RBAC
Deploy Your Way
SaaS
Cloud
On-Prem
Hybrid
Trusted by 100+ Banks & NBFCs Across Segments
9/28 RRBs in India Run on ezee.ai
Trusted. Proven. Recognized.
Real Implementations, Real Results
See how leading financial institutions launch credit products with unprecedented speed using ezee.ai
Legacy Core Banking vs. lms.ezee
| CAPABILITY | LEGACY CORE / SPREADSHEET |  |
|---|---|---|
| Multi-Product Support | Separate systems per product | All products on one platform |
| Transaction Processing | Batch / end-of-day | Real-time with value-date |
| Knock-Off Logic | Manual or rigid rules | Configurable IPC/CIP/PIC modes |
| NPA Classification | Manual spreadsheet tracking | Automatic with override controls |
| Collateral Tracking | Separate registers | Linked to loans, tracked real-time |
| Customer 360 | Across multiple screens | Single consolidated dashboard |
| Document Servicing | Manual generation | On-demand SOA, certificates, schedules |
| NACH/PDC | Offline tracking | Built-in mandate management |
| API Architecture | Limited or none | REST APIs for full ecosystem |
| Rescheduling | Manual process | System-driven with audit trail |
The Full Credit Lifecycle.
One Unified Ecosystem.
ORIGINATE
AI + No-Code LOS
Capture leads, run KYC, build journeys. 12 AI agents.
DECIDE
AI-Powered BRE
Author rules in minutes.
Sub-100ms. Audit-ready.
MANAGE
Servicing & Lifecycle
Real-time servicing.
Multi-product. NPA-ready.
RECOVER
Agentic AI Recovery
Predict, engage, resolve. Autonomously at scale.
20+ Loan Products. One Ecosystem.
ezee.ai in news
Lending Innovation, Explained Simply
Insights from the frontlines of digital lending transformation.
Is Your Loan Servicing Stack Ready for Scale?
Each "yes" is a sign your current setup may be holding you back.
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See lms.ezee With Your Loan Book
See collect.ezee with your portfolio, your segments, your compliance requirements.