global
Loan Management

Streamline Every Aspect of Loan Servicing, and Elevate Customer Satisfaction

Boost your lending operations performance by efficiently servicing any class of loans while keeping you in line with updated regulations.

Know More
LOS_Banner
Repayments Rescheduling Restructuring Limits management Accounting engine NPA management EOD function
build-workflows

Repayments
Made Easy

Our platform offers multiple flexible repayment options, simplifying loan servicing for your customers. This functionality ensures accurate tracking of loan repayments, which is crucial for effective cash flow management.

build-workflows

On-Demand
Rescheduling Made Easy

Flexible rescheduling options enhance your customers’ loan servicing experience. The system regularises and supports various rescheduling features, allowing you to customise and structure repayment schedules based on their specific needs.

build-workflows

Flexible Restructuring

A variety of restructuring options enhances your customer’s loan servicing. Tailor loan term adjustments-like extending payment periods, reducing interest rates, or modifying repayment schedules-to align with their evolving financial circumstances.

build-workflows

Highly Configurable Limits Management

Set appropriate limits based on borrower profiles and market conditions to effectively manage and mitigate credit risk. With customisable customer and organisation-level limits-including currency options-you can prevent over-exposure to high-risk borrowers and sectors.

build-workflows

Event-Based
Accounting Engine

Replicate your chart of accounts and configure accounting templates for various transactions or events to ensure consistent application of accounting rules and standards. This enhances cash flow management by accurately recording loan disbursements, repayments, and interest accruals.

build-workflows

Asset Classification and NPA Management

Streamline the loan journey for customers experiencing delays or overdue payments, allowing stakeholders to track movements across the organisation and branches with NPA reports and visual dashboards. This facilitates efficient resource allocation by clearly distinguishing between high-performing and underperforming assets.

build-workflows

Powerful Multi-Server
EOD Function

Enjoy near 24/7 availability with innovative multi-server, multi-thread End-of-Day (EOD) activities that ensure minimal downtime during batch processing. This enables the reconciliation process, delivering reliable service while maintaining the integrity of your transaction records.

Empowering Financial Institutions with Proven Results

  • 100 Mn

    Loan transactions
    per year

  • 18

    New loans booked per
    minute (during peak time)

  • 14 Mn

    Loans managed from
    our system

case-study

Implementing a Flexible, Scalable, and Resilient Lending System for Gold Loan Operations: Best Practices

Read More
case-study

Successful Data Migration for a Leading Financial Institution: Key Takeaways

Read More
case-study

How a Financial Institution Streamlined its SME Lending Operations

Read More
case-study

Why Low Code, No Code Development Platforms Are the Next Big Thing in the Lending Landscape

Read More
case-study

How a Loan Management System can Impact Credit line on UPI Operations

Read More
case-study

A Leading Financial Institution Achieves 30% Loan Portfolio Growth with an Innovative Lending Solution

Read More
case-study

MSME Lender Witnesses 40% Business Growth Using Pennant’s Supply Chain Lending Solution

Read More
case-study

Lending Factory on AWS Helps Godrej Capital Drive Business Agility and Cost Savings

Read More
case-study

Lending System Modernisation and Consolidation helps a leading Indian Financial Institution Gain 40% OPEX Savings

Read More
case-study

Lending Platform Modernisation powers a leading Financial Institution deliver 45% AUM growth, Save 30% Operational Costs

Read More
case-study

Pennant Technologies Named Fastest Growing Technology Company in Deloitte Technology Fast 50 India 2024

Read More
case-study

Chartis Research Recognises Pennant Technologies as a Leader in Credit Lending Operations

Read More
case-study

Pennant Technologies Certified Great Place To Work for the Second Consecutive Year

Read More
case-study

Pennant Technologies Recognised Among Asia’s Finest Fintechs

Read More
case-study

Pennant Technologies Wins Nasscom SME Inspire Awards 2023

Read More
case-study

Pennant Technologies Recognised as a Great Place To Work for the Third Year in a Row

Read More
case-study

Pennant Technologies Recognised in the Gartner® 2024 Market Guide for Commercial Loan Origination Solutions

Read More
case-study

Pennant Technologies Named Fastest Growing Technology Company in Deloitte Technology Fast 50 India 2024

Read More
case-study

Pennant Technologies collaborates with MOGOPLUS in Australia to Accelerate Lending Value Chain Transformation

Read More
case-study

HDFC BANK Transforms Lending Operations with Pennant’s Future-ready Lending Factory Platform

Read More
Interested in transforming your
lending operations?
Request Demo

FAQs

Pennant’s LMS supports Retail, SME and Corporate product lines. Example: Personal Loan, Gold Loan, Education Loan, Home Loan, Auto Loan, Consumer Durables Loan, Microfinance, Business Loan, SME Loan, Commercial Loan, Agri Loan, BNPL, Fintech Loan.

Yes, Pennant LMS is designed with flexibility in mind, allowing seamless integration with various third-party LOS systems. Its rich APIs facilitate the absorption of sanctioned loans into the Pennant LMS. We have successfully implemented integrations with multiple third-party LOS systems.

Yes, Moratorium and Pre-EMI functionalities are standard offerings in Pennant LMS. It includes options such as auto-adjustments for Pre-EMI based on various criteria, caps on Pre-EMI payment amounts, and capitalization options.

Yes, Step-up and Step-down policies are supported within the Pennant LMS. Pre-approved step policies can be defined to quickly activate changes on the amortization schedule. Steps can be configured in terms of amounts or percentages and can be applied to the EMI or principal amount.

Loan restructuring is an out-of-the-box offering in Pennant LMS, providing several options for customization. The system also supports simulating and viewing the restructured amortization schedule.

Yes, Pennant LMS supports an end-to-end bulk presentment process, from downloading the presentment file to uploading it back. The bank’s response file to update the fate of the instrument is also supported.

Masters specific to Asset Classification and NPA marking are included in the Pennant LMS system. Customer-level NPA tagging based on the central bank’s requirements is supported. Changes in Asset Classification and NPA tagging are automated.

Yes. Daily interest accrual is part of the Pennant LMS system.

Yes, both technical write-off and complete write-off functionalities are part of the Pennant LMS suite. The respective write-off accounting entries are configurable

Pennant LMS has a unique way of performing the EOD/EOM activities. EOD is performed at a customer level in multiple threads, ensuring the Pennant LMS is available 24×7 for the end customer.

Multiple/Tranche disbursement & cancellation with real-time impact on the amortization schedule is part of Pennant LMS.

Broken period interest can be handled with the options such as “Include it in first EMI”, “Deduct from disbursement”, “No BPI”, etc.

EMI based schedule, EMP (Constant principal), Calculate interest on Frequency (Bullet) and Collect Principal at the end of the tenor (Ballon payments), Manual repayment schedule upload, Step up and Step-down payments, etc.

Daily, Weekly, Bi-Weekly, Monthly, Quarterly, Half yearly, Yearly.

Yes .Both LPI and LPP are configurable on the pennant LMS suite.

Yes, Supported. Both GST and TDS master are part of the Pennant LMS suite. CGST,SGST,UGST, IGST segregation are also available.

Complete Accounting entries/Accounting sets are configurable (Credit and debit entries are configurable for every LMS event).

Schedulepayments,Part payments, early closures are part of the pennant LMS suite. Bulk upload for all the 3 functionalities are supported along with standard APIs which can be exposed to various payment channels for seamless customer repayments.