NBFC & Lending. When an EMI is late, does anyone know why?
Your officers find borrowers, verify them, call them and visit when an EMI is late. Most of it lives on phones and in notebooks. See what your company can and can't see today.
● Late-EMI visit
Two-wheeler loan
EMI 5 of 24
Late
Reason
Not on record
Your loan file check. What can your company see today?
Eight things your teams handle every day. Mark each one honestly. Anything you can't see prints as a debit.
Loan file check
Lender
Period
Check no.
Time
What happens
Can you see it?
Leads and applications
09:30
Every new loan lead, from branches, DSAs, campaigns or WhatsApp, and who owns it
DrLeads sit in registers and sheets. Nobody owns the follow-up.
10:15
How far each application has got, and which documents are still pending
DrThe borrower waits, and calls to ask what's missing.
Checks and repayments
11:20
Every pre-loan verification visit, with photo and location proof from the spot
DrProof sits on phones. The file waits for it.
12:40
Whether verifications finish on time, by your team or your agency
DrCases age quietly. You find out when a file is stuck.
14:05
Borrowers with a late EMI, who is visiting them, and what came of each visit
DrFollow-ups live in calls and notebooks. Nobody sees the full picture.
Borrower conversations
15:10
Every call and chat your field staff have with borrowers
DrCalls go from personal phones. Nothing stays on the file.
16:30
Whether a supervisor can see a conversation while it's happening
DrProblems reach you after the borrower complains.
Loan product answers
17:45
Which loan product and slab fit a borrower, and which documents to ask for
DrStaff ask around. Borrowers get different lists.
Closing balance
0
Dr
Mark each line to see your balance.
Lines to check
8
Seen (Cr)
0
Blind spots (Dr)
0
Not sure counts. If you can't say, you can't see it.
See what closes themFour cards. Each one closes a different gap.
Your blind spots bring the right cards forward. Tap a card to read it.
Mark your statement above and the cards that matter to you come to the front.
Leads and applications
Every loan lead in one place, whether it's a personal, two-wheeler or small digital loan. Each goes to the right officer with a reminder to follow up. Documents are collected on the app, and managers see where every application stands, branch by branch.
Covers
Lead ownership · Application status
Add-on · Borrower conversations
Field staff call and chat with borrowers on the company's number, not personal phones, so every conversation stays on the file. Supervisors see conversations as they happen and can step in when needed.
Covers
Calls and chats · Live supervision
Checks and repayments
Pre-loan verifications are assigned on the app and done on the spot with photo and location proof. Managers see each case's turnaround. Late-EMI cases go to field staff for visits, with notes, photos and signatures recorded, and managers see collected and outstanding amounts.
Covers
Pre-loan checks · Check turnaround · Late EMI follow-ups
Add-on · Loan product answers
An AI assistant trained once on your own loan policies, with no internet. Staff ask in plain words which product fits, which slab applies and which documents to collect.
Covers
Product answers
Explore
Private Enterprise AI →One borrower. Every stamp in place.
Follow one two-wheeler loan from the first enquiry to a late EMI. Switch to see the same file with URVA.
URVA Loan file
Two-wheeler loan · p. 1
Date
Particulars
Stamp
03 Jun
×Written in a DSA's notebook.
Logged and assigned to an officer, with a reminder to follow up.
Lead received
Missing
Lead received
URVA Sales
03 Jun
×He asks around. The list changes.
The officer checks the right product and document list in URVAshe.
Slab checked
Missing
Slab checked
URVAshe
04 Jun
×Called from his own phone.
He calls her from the company number. The call stays on her file.
Called ahead
Missing
Called ahead
URVA Connect
05 Jun
×Proof on a phone, not in the file.
Home visit done with photo and location proof.
Verified
Missing
Verified
URVA Comply
Continued
p. 2
Date
Particulars
Stamp
06 Jun
×She's asked for the same papers twice.
Every document collected on the app. Nothing pending.
Docs complete
Missing
Docs complete
URVA Sales
14 Nov
×Chased by calls nobody logs.
A field visit is assigned. The reason and next step are recorded.
EMI late
Missing
EMI late
URVA Comply
15 Nov
×Gone when the officer leaves.
Her calls and chats stay with the company, for whoever picks up the file.
On file
Missing
On file
URVA Connect
Every step happened. None of it is on one record.
Seven stamps. No gaps.
Lenders and enterprises that work with URVA
Your receipt is ready. Bring it to the demo.
We'll go through each line with your team and show where URVA fits.
Receipt
URVAVisibility slip
Mark your statement to print your list.