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Collateral Management

Keep control ofFrom valuation to release.Collateral management for NBFCs, HFCs and secured lenders

See what backs each loan, where the documents are, and what needs attention next. Track valuations, LTV, custody and release deadlines across your live book.

Talk to usExplore supported collateral
One collateral core with eight facets: property, gold, shares, mutual funds, machinery, vehicles, art and deposits.ONE COREOwners · ValueLTV · DeadlinesPropertyGoldSharesMutual fundsMachineryVehiclesArtDeposits

One collateral core. Owners, value, LTV and deadlines work the same way for every facet, so a new kind of collateral is a new facet, not a new system.

What your team stops chasing

CERSAI filingsTrack registration and satisfaction tasks, with every pending file on one list.
Document releaseTrack document return from repayment or settlement, with named release approvals.
Original documentsEvery deed and gold packet has an address: vault, aisle, shelf and box.
Daily LTVSupported market-linked assets updated from your chosen feeds. Appraisals on your schedule.
New collateral typesSet up from building blocks and approved by a checker. No IT ticket.

The collateral register

Know which collateral files need attention next.

The collateral register in Lokta: eight secured loans with property value, LTV against the cap, CERSAI status, insurance expiry and vault address, and an open file showing title, mortgage deed, CERSAI and insurance deadlines.1234
Eight secured loans on one screen: 2 CERSAI filings pending, 2 insurance policies lapsing, 1 release due, and the vault box of every original. BACO Finance is a demonstration lender; all screens and figures on this page use sample data. Select a screen to inspect it at full size.
  1. 1
    A list for every deadlineCERSAI pending, insurance lapsing, release due, revaluation due.
  2. 2
    Every original has an addressVault BR007, aisle 3, shelf 5, box 18, with a barcode and a movement log.
  3. 3
    Deadlines on the fileTitle, mortgage deed, CERSAI and insurance, each with its date.
  4. 4
    Prepared, then approvedInsurance lapses in 12 days. The renewal steps wait for a named approver.

LTV and valuation

See shortfalls and headroom as collateral values change.

Compare eligible collateral value with the amount owed, using your policy. Supported market-linked assets follow configured price feeds; independently appraised assets follow your review schedule. Shortfalls become work for your team to review.

Your policy

MSME Secured Loan

LTV cap
70% of market value
Revaluation
every 24 months
Insurance
you as loss payee
The collateral

House · Rau, Indore

Market value
₹20,00,000
Charge
registered · CERSAI filed
Eligible amount
₹14,00,000
The loan

Cover checked

Outstanding
₹12,50,000
Check
₹12,50,000 ≤ ₹14,00,000
Headroom
₹1,50,000

Illustrative policy check: ₹20 lakh of collateral at a 70% cap supports ₹14 lakh against ₹12.5 lakh outstanding. Operations, risk and collections work from the same collateral record.

A loan against property application: the property's identity, title, ownership and value on the left, and LTV and gate checks on the right showing ₹72.0 lakh requested against ₹58.0 lakh eligible.

See the policy check in numbers

Illustrative application screen: ₹72 lakh exceeds ₹58 lakh of eligible collateral value. It demonstrates a policy check, not available Lokta origination. Underwriting, loan approval and disbursal remain with the lender and its LOS.
A loan against property account: the shop's value rose 9.9%, LTV is 40% against a 60% cap, and an open item offers a pre-approved top-up of ₹9.5 lakh.

See headroom for a lender review

Demonstration data shows ₹9.5 lakh of potential headroom. The screen’s “pre-approved” label is illustrative; a top-up requires the lender’s credit decision and origination process.
A gold loan account: 22K gold pledge of 48.6 g, LTV 71% against a 75% cap, and a note that gold fell 3.1% this week.
A gold loan at 71% LTV against a 75% cap. Gold fell 3.1% this week, so Lokta flags a re-check before renewal.

Move the gold rate.

Illustrative gold loan: 44.6 g of 22K-equivalent gold, ₹2,90,000 outstanding and a sample 75% cap. Move the rate to see headroom become a shortfall.

₹9,480
₹8,000₹11,000
Gold value₹4,22,808
Eligible at 75%₹3,17,106
Outstanding₹2,90,000

LTV 68.6% against a 75% cap. ₹27,106 of collateral headroom for the lender to review. This is not a credit approval.

Market value or distress value

Your policy picks which one sets the limit. The valuer's report records both.

Revalued on schedule, or sooner

On the date your policy sets, or earlier when local prices move past a limit you choose, such as 5%, or when the borrower asks for a top-up.

Every valuation kept

₹33.20 lakh in 2024, ₹36.50 lakh in 2025. Both stay on file with the valuer and report number, and an index cross-check alongside.

For the CEO and CRO

See where collateral cover needs attention across your book.

The housing finance and LAP view shows LTV spread, stale valuations, cover under a price shock and enforcement progress across the whole book.

Portfolio view of collateral for housing and LAP loans: LTV distribution, cover on the 90+ book at book value and after a 20% haircut, valuation freshness, a property price stress table, and ₹21.62 crore of un-lent headroom.

Demonstration data. Cover on the 90+ book: 1.9× at book value, 1.3× on a fresh 20% haircut. 39% of valuations are older than 24 months, and ₹21.62 crore of headroom sits unlent.

Deadlines and custody

Know what is due, who owns it, and where the originals are.

Keep CERSAI tasks, insurance renewals, document custody and release deadlines with the loan. Your team sees the next action, its owner and the date it is due.

  1. Capture

    Keep the collateral record with title deeds, legal and technical reports, and encumbrance evidence supplied by your branch or LOS. Record identifiers for duplicate and lien checks.

  2. Register

    CERSAI tasks

    Record the charge, prepare filing details and track registration status. Your team completes the registry filing and records its reference.

  3. Store

    Originals sit at a known address, vault to box, with every movement logged. Shares, funds and deposits are held by a lien.

  4. Watch

    daily

    Monitor available values, LTV and upcoming deadlines. Schedule fresh appraisals and document reviews under your policy.

  5. Release

    30 days

    Named people approve the release. Track document return and charge satisfaction against the applicable deadline after repayment or settlement.

A closed loan's collateral file: document release with 21 days left of 30, ₹5,000 a day after day 30, marked irreversible, with a button to prepare the release.
Demonstration file: 21 days remain on a 30-day return clock. The compensation example applies to covered personal loans where delay is attributable to the lender.

What a missed day costs

  • ₹5,000 a day for lender-attributable delay after the applicable 30-day period on covered personal loans.
  • An enforcement prerequisite SARFAESI section 26D requires Central Registry registration before a secured creditor can exercise Chapter III enforcement rights. Keep registration status visible.
  • A lost deed when nobody knows which lawyer has it. Every check-out and return is logged against a barcode.

Regulatory context: RBI’s September 2023 document-release circular · SARFAESI Act, section 26D. Apply the rules relevant to your lender and loan type; the screen clocks and figures are illustrative.

Who it's for

For NBFCs, HFCs, gold loan and MSME lenders.

A gold loan company with five hundred branches and a digital lender with none have different days. Pick yours.

Your day
  • Thousands of packets across hundreds of branches.
  • Gold rates that move every morning.
  • Purity checks, packet audits and release queues.
What Lokta does
  • Records appraisals piece by piece: weight, stones, purity, HUID and photos.
  • Recalculates supported market-linked collateral using the valuation method and reference price in your policy.
  • Holds LTV caps by loan size in your policy, set once.
  • Records every packet's seal, location and movement, and flags shortfalls on any morning the rate falls.
CollateralGold and silver loans

Supported collateral

Manage different collateral types in one place.

Property, gold, securities and specialist assets each need different evidence. Keep their valuation, custody and release records in one place, under your eligibility policy.

Property, gold and assets

The secured loans most NBFCs run today.

Loan against property (LAP)

Residential, commercial and industrial property, self-occupied or rented.

Valued
Empanelled valuer's market value and distress value, with legal and technical verification.
Held
Original title deeds in your vault; equitable mortgage (MODT) registered with CERSAI.
Released
Track deed return and CERSAI satisfaction against the applicable deadlines.

Home loans

Ready homes and under-construction flats, including builder tripartite agreements.

Valued
Record technical valuations and updated reports supplied by your lender’s origination process.
Held
Title documents, or the tripartite agreement until possession, with CERSAI registration.
Released
Track document return after repayment or settlement against the applicable deadline.

Gold and silver loans

Jewellery and coins, appraised piece by piece.

Valued
Net precious-metal weight, purity and the reference price selected under your applicable policy.
Held
Sealed packet in the branch vault, with HUID and photos.
Released
Packet returned against signature; part-release by weight.

Vehicle and tractor loans

Cars, two-wheelers, commercial vehicles and tractors.

Valued
Valuer or invoice price, reducing with age, revalued yearly.
Held
Hypothecation endorsed on the RC (Form 34), insurance with you as loss payee.
Released
Hypothecation removed (Form 35) and NOC issued.

Machinery and equipment finance

Plant, machinery, medical and construction equipment.

Valued
Valuer, invoice value and condition, revalued yearly.
Held
Hypothecation, with invoice, serial number and insurance on file.
Released
Hypothecation released and NOC issued.

Loan against FD and insurance policies

Bank deposits, and life policies with a surrender value.

Valued
Deposit plus interest to date, or the policy's surrender value.
Held
Lien marked with the bank, or the policy assigned to you.
Released
Lien removed or policy reassigned at closure.

Loans against securities (LAS and LAMF)

Daily valuation and margin-call workflows, configured to your policy.

Loan against shares

Listed shares held in demat.

Valued
Last traded price every morning, with a haircut per approved security.
Held
Record pledge details supplied through the borrower’s depository participant.
Released
Pledge released; part-release by quantity. Margin shortfalls flagged the same morning.

Loan against mutual funds (LAMF)

Equity, debt and hybrid fund units.

Valued
NAV every day, with different haircuts for equity and debt funds.
Held
Record the folio’s lien status and registrar reference.
Released
Lien removed; part-release by units.

Loan against bonds and SGBs

Listed bonds, debentures and sovereign gold bonds.

Valued
Market price, or grams × the daily gold rate for SGBs.
Held
Lien at the depository or with the issuing bank.
Released
Lien removed; part-release by units.

Alternative and digital assets

Valuable, unusual and hard to fit in a system.

Loan against art and paintings

Paintings, sculpture and limited-edition prints.

Valued
Specialist appraiser, with provenance and authentication certificate, revalued yearly.
Held
Your vault or a specialist art store, insured with you as loss payee.
Released
Handed back against signature, condition checked against the file.

Loan against antiques and collections

Antiques, coins, stamps, watches and heirloom collections.

Valued
Appraised item by item, with provenance and any registration certificate.
Held
Vault or specialist storage, each item photographed and listed.
Released
The whole collection, or item by item.

Loan against tokenized assets

Tokenized securities and real-estate tokens, as regulation allows.

Valued
Quoted price, every day.
Held
Lien with the custodian, registry or platform.
Released
Lien removed; part-release by units.

Eligibility and custody arrangements depend on your jurisdiction and policy; this is not a claim of a prebuilt custodian integration.

How it works

Don't see your collateral? Set it up without code.

Pick the closest type and Lokta adds the fields it needs to value it. Add standard fields from Lokta's library, and your own for anything else. A checker approves before it goes live.

Setting up gold loan collateral in Lokta: locked fields for owners, ornaments, net weight, purity and value, standard gold fields on the left and field settings on the right.1234

Value follows recorded weight, purity and your policy’s reference rate. The calculation stays linked to the recorded inputs.

  1. 1
    Standard fields for goldOnly what fits appears: packet seal, hallmark, purchase bill.
  2. 2
    Locked where it mattersFields used for value and LTV can be renamed, never deleted.
  3. 3
    Value worked out for youFrom the ornaments and the day's rate.
  4. 4
    Every ornament, row by rowGross, stone and net weight, purity and HUID for each piece.
A new version of the property set-up, with each field marked changed, added or removed. 214 existing records stay on the old version.

Changes never touch old loans

214 loans captured on version 1 stay on version 1. Every change is marked: added, changed or removed.

Publishing the gold set-up: three fields required before disbursal, a checker must approve, and the published form is frozen.

Nothing goes live without a checker

A second person approves each collateral type before publication. Pre-disbursal fields in this demonstration form describe an LOS handoff; they do not imply Lokta originates or disburses loans.

AI

AI prepares the work. Your rules govern the action.

AI helps prepare document fields, collateral set-ups and follow-up work. The deterministic core applies lender controls, with named approvals where required and a record of each change.

Reads the paperwork

Sale deeds, title search reports, valuation reports, RC books and appraisal sheets become filled fields. Every value links back to the line it came from.

SCHEDULE OF PROPERTY · P. 2All that piece and parcel of the residential property bearing Khata No. 118/2B, situated at Rau, Indore, having a built-up area of 1,450 sq ft, standing in the name of Harish Kulkarni, together with all rights of way and easements thereto.
Survey / khata no. p.2 · l.14118/2B
Address p.2 · l.14Rau, Indore
Built-up area p.2 · l.151,450 sq ft
Owners p.2 · l.16Harish Kulkarni · 100%

Sets up a collateral type from a sentence

Describe the collateral in plain words. AI picks the type, adds standard fields and creates only what is missing.

YouTractor loans. Capture make, model, chassis and engine numbers, the RC, whether hypothecation is endorsed, and the implements included.
Draft · type Vehicle
Tractor · version 1
5 locked7 library1 own
MakeModelRegistration no.Chassis no.Engine no.RCHypothecation endorsedImplements included · multi-select
saved as a draft · a checker approves

Watches every asset (demonstration data)

Price moves, LTV breaches, insurance lapses and legal deadlines raise alerts with the next step already prepared.

  • Gold rate −3.8% at the open. 41 loans now above the 75% cap. Margin-call letters prepared.

    prepared

  • LN000410 · insurance lapses in 12 days. Renewal reminder prepared.

    prepared

  • LN000186 · CERSAI window has 23 days left of 30. Filing details attached.

    prepared

  • LN000277 · local property prices −6%. Revaluation request prepared for approval.

    prepared

Answers questions in plain English (demonstration data)

Explore a read-only collateral query in an AI assistant. Connector availability, permitted fields and access controls are agreed for your deployment.

Which gold loans are above 75% LTV at today's rate?
41 gold loans are above the 75% cap, with ₹63.2 L outstanding. The largest shortfall is ₹38,400 on LN000318. Margin-call letters are waiting for approval.
Illustrative AI query · read-only access

Sample data from BACO Finance, a demonstration lender.

Your demonstration

What to put to the test in your demo.

Three workflows to examine with demonstration data.

Valuation

Follow a valuation change through to LTV and the next action.

Inspect the inputs, the policy cap and the work prepared for review.
Documents

Find a document deadline, its owner and the original’s location.

Trace the due date, custody record and next step on the file.
Release

Walk a collateral release through its checks and approvals.

See who prepares it, who approves it and what evidence stays on record.

Audit and inspection

Trace each valuation, approval and release.

  • Nothing overwritten. Every valuation and insurance period is kept with its date.
  • Releases wait for named approvers, with typed confirmation for steps that cannot be undone, as configured for your policy.
  • Checks use exact rupee amounts against the policy version in force. In this demonstration, a 75.004% LTV does not pass a 75% cap.
  • Every collateral type approved by a checker before it goes live, and frozen once published.
  • Every original's movement logged, from vault to lawyer and back.
  • Calculations tied to their inputs, with the valuation basis and policy available for review.

FAQ

Questions lenders ask.

What is collateral management software?

Collateral management software keeps the assets securing your loans connected to their valuations, documents, custody records and release workflow. Lokta brings these records into the operating view of your live loan book.

Which collateral types can we manage?

The examples on this page cover property, gold and silver, vehicles, equipment, deposits, securities and specialist assets. Configure the fields and review process for your collateral types. Eligibility, valuation sources and custody arrangements follow your policy and the rules that apply to your lending business.

Do we have to replace our current systems?

Not your LOS: it stays responsible for origination, underwriting, loan approval and disbursal, and Loan Origination on Lokta is on the roadmap. The loan book itself moves onto Lokta’s ledgers through a reconciled migration. We agree the data exchange, ownership of each record and integration scope for the systems around it.

How does it handle CERSAI?

Track registration and satisfaction tasks against configured deadlines, prepare filing details and record the reference after your team files. Tracking a task does not itself submit a filing or guarantee compliance.

How does it help with document release?

Track the return deadline, document custody and named release approvals. RBI’s September 2023 circular specifies a 30-day period after full repayment or settlement for covered personal loans, with ₹5,000 per day compensation for delay attributable to the lender. Your team determines applicability and any exceptions.

How are gold and silver loans valued?

Record the appraisal inputs for each item, including net precious-metal weight and purity. Calculations use the valuation method, reference prices and LTV limits in your applicable policy. The slider on this page uses a simplified sample loan and a sample 75% cap; it is not a lending recommendation.

Can we track shares and mutual funds?

Record holdings, pledge or lien status, valuation inputs and policy haircuts. Review margin shortfalls and part-release by units. Price feeds, registrar or depository connections and update schedules depend on the integrations agreed for your deployment.

How do vehicle and equipment records work?

Keep registration or serial numbers, invoices, hypothecation evidence and insurance with the collateral record. At closure, track the lender’s NOC and the relevant charge-removal documents.

Can we manage art, antiques or collections?

Configure fields for provenance, authentication, condition, photographs and insurance. Record independent appraisals and custody, and track items separately where your policy requires it.

What about tokenized assets?

Any proposed asset type must fit the lender’s jurisdiction, eligibility policy, valuation method and custody arrangements. The catalogue is an example of record structure, not a statement that an Indian regulated lender may lend against every listed asset or that every integration is available.

Does AI change our records on its own?

AI prepares information and proposed work. The deterministic core applies policy checks, with named approvals where required. Read-only assistant access cannot change the collateral record.

Where is our data stored?

Hosting location, access permissions and any AI data flows are agreed for your deployment. We will walk through those requirements alongside the collateral workflow.

How much does it cost?

Pricing depends on your book and implementation scope. Ask us about platform pricing, migration and integration costs, and whether your lender qualifies for the Lokta Next 100 programme. We will confirm eligibility and commercial terms with you.

Bring us your hardest collateral.

Tell us what you lend against and which workflow you want to examine. We’ll use demonstration data to walk through the collateral record, policy checks and approvals.

Talk to us
cm@lokta.ai

Already using another loan management system? Bring that context. We’ll discuss the records, controls and integrations your workflow needs.