Guides and tools for lending teams
The vocabulary, evaluation tools, and long-form thinking behind Lokta: written for lenders, risk teams, and procurement weighing an agentic loan servicing platform.
Research and evidence
Counts, source maps, research samples, and methods a reader can inspect rather than take on trust.
How many NBFCs are there in India
A direct count of RBI's register as on 30 June 2026: 8,561 NBFCs registered, 8,315 in categories that lend, and how those split across RBI's base, middle and upper layers. Method and CSV published.
RBI MRM self-benchmark, methodology & source map
The methodology behind the self-benchmark: the scoring rubric, four readiness dimensions, five maturity bands, and the full question-to-paragraph map to RBI’s June 2026 draft model-risk guidance.
Loan management software on Reddit
An evidence-led review of 18 public Reddit threads: where recommendations fit, where NBFC-grade evidence is missing, and the buyer checklist to use instead.
Evaluation tools
Practical assessments, test cases, and procurement artefacts for evaluating a lending platform.
Loan management RFP toolkit
A vendor-neutral toolkit for running a Loan Management System RFP: checklist, question banks, functional and security templates, a scorecard, and a migration methodology.
RBI model risk draft self-benchmark
A 10-question self-benchmark for RBI model-risk readiness: line-mapped to the June 2026 draft guidance, with a 0-100 score, neutral maturity bands, per-dimension findings, and priority actions.
Loan reconciliation in an LMS
A buyer guide to payment identity, matching, allocation, exception handling, reversals, ledger proof, and the acceptance tests an LMS should pass.
Definitions and architecture
The category, system boundaries, vocabulary, and technical reasoning behind the platform.
The agentic loan servicing platform
How Lokta is built: agents on top, a governing control plane that authorises, scopes, logs, and verifies every action, and a deterministic core underneath. The category, defined.
LOS vs LMS vs LSP
A plain-language guide to the three acronyms lenders mix up: an LOS originates loans, an LMS services them, and an LSP is a partner that operates lending.
Lending glossary
Definitions of the lending-industry and Lokta-specific terms used across our product pages and editorial: LMS, LOS, LSP, co-lending, deterministic core, audit-by-design, and more.
Where loans are won
A scroll-driven argument that the credit decision is the small loop: the return is earned in the long loop after approval, across servicing, monitoring, and collections.
What we believe, and where this goes
Lokta's vision, mission, thesis, and 2030 ambition: credit that reaches more people, faster, fairer, and worth trusting, on a loan book that learns and sharpens as it lends.
Updates and insights
Long-form essays on lending architecture, AI governance, and agentic loan servicing, plus product updates from the team building Lokta.
See a resource we should add, or want to talk through your evaluation?Talk to us.
Talk to us