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After approval, the book still has to be run.

Lokta services, monitors, collects and recovers on seven kinds of loan book. AI agents prepare every action. Your policy decides it, a named person signs anything that moves money, and the loan record shows who did what and why. Start with the book that costs you the most to run.

Talk to usSee how control works

30 minutes with the product team. No generic demo.

Seven loan books, on a platform built by the team behind Apache Fineract, the world's #1 open-source lending core.

  • Personal loans
  • Consumer durable & BNPL
  • Vehicle & EV loans
  • Home loans
  • Loan against property
  • Business / MSME loans
  • Supply-chain & invoice finance
Lokta
  • Servicing
  • Ledger
  • Monitoring
  • Collections
  • Audit

Seven books, grouped by what they demand after approval.

Not by product family: two books that look alike on a rate card can need opposite treatment once the money is out. Each page shows the signals, the worked account and the controls for that book.

UnsecuredNo collateral, so the outreach is the recovery.
SecuredAn asset behind the loan changes what recovery means.
BusinessThe borrower is a business, or the payer is a buyer.

Not on the list? Show us the book anyway. The seven are where the pages are written, not where the platform stops.

Two pages sit beside the seven books: embedded finance and co-lending, and RBI model risk readiness.

AI proposes. Your policy decides. The record proves it.

Three sentences to read before you pick a book, because they are the ones a risk committee asks about first.

  • The AI agent proposes.It reads the account and prepares the next action with its reason and evidence attached. It does not post to the ledger and it does not change loan state.
  • Your policy decides.The proposal is tested against the bands you declare. Inside them it proceeds; outside them the workflow stops and escalates. A named person signs anything that moves money.
  • The record proves it.Actor, evidence, before and after, and reversibility, written at the moment of the change. Your auditor and your regulator read the same record you do.

A record-keeping LMS, or a collections overlay on one

  • The bucket is the fact; the reason is a note.Two accounts at the same DPD get the same call.
  • The overlay sees the bucket and the phone number.Not the bounce reason, the promise, the schedule or the waiver on the loan.
  • Workflow configured up front; the exception leaves the system.Into a spreadsheet, an email thread, an operator's memory.
  • Changes are re-implemented product by product.A new book is a new project.

Lokta

  • The reason stays attached to the account.Bounce reason, promises, bureau line, contact window, collateral clocks: read before anything is proposed.
  • The action and the loan are one record.A waiver, a re-presentation or a restructure posts to the loan the moment it is signed.
  • Policy governs the treatment; agents prepare inside it.Bands you declare, maker-checker where money moves, escalation outside the band.
  • A new book is a new configuration.Same ledger, same agents, same audit trail; the signals and treatments change.

Read the full comparison

You do not have to move the book to start.

The question a CTO asks before booking anything, answered before the ask.

  • On the core you haveThe servicing agents connect to your LMS or core banking system for borrower and loan context and stage work into it. Your system of record stays your system of record.
  • Or on oursMove a book onto Lokta's loan management system when you are ready, one book at a time, sanctioned terms and schedules in.
  • Connected and containedNACH and UPI, payment aggregators, credit bureaus, collection agencies, co-lending partners, WhatsApp and the other channels. Any cloud, or your VPC. Every connection risk-rated before it can touch the book.

See the integrations and the guardrail on every write

Different books. One platform underneath.

Six things the platform does on every book, so you can tick them off before you read about yours.

  • Repayments and schedulesEMI, prepayment, part-payment, foreclosure, moratorium and restructure, re-amortised to the paisa.
  • Accounting and ledgerEvery financial event posted double-entry to mapped GL heads, replayable from history.
  • ServicingRequests, changes, restructures and exceptions, prepared by AI agents and signed under maker-checker.
  • MonitoringWhat changed after approval, on every account, every day, read against the account's own history.
  • Collections and recoveryTreatment based on the account and its reason, not on the bucket alone, inside your contact rules.
  • Reporting and complianceDPD, SMA and IRAC, KFS and APR, bureau, statements: one record from transaction to audit.

The book decides the policy. Lokta provides the platform.

Profit per loan disbursed.

Yield is set at sanction. What you keep is decided after approval, and that is the part Lokta runs.

Recover moreAgents act on the accounts the signals say are slipping, in the window where it still cures.
Spend less doing itAgents do every repeatable servicing action, so headcount does not have to track the book.
Compound bothOutcomes promote the treatments that worked, version-pinned and human-approved.

Not ready for a conversation? Two ways to check our thinking against your own.

See the RBI model-risk self-benchmarkGet the vendor-neutral LMS RFP toolkit

What lenders ask before they book the call.

Can we start with one book?
Yes, and most lenders should. Pick the book where servicing or collections costs the most effort today, bring the sanctioned terms, the schedules and your collections policy, and Lokta runs that book after approval. Adding a second book is a new configuration on the platform you already run, not a second platform: the signals, treatments and rules differ, the ledger, the audit trail and the learning loop are shared.
Do we have to move our book off our current LMS to use the agents?
No. Lokta's servicing agents run on the core you already have: they connect to your LMS or core banking system for borrower and loan context and stage work into it, and your system of record stays your system of record. When you are ready, a book can move onto Lokta's own loan management system, one book at a time. Either way the agents propose, your policy decides, and a named person signs anything that moves money.
Which loan books does Lokta support today?
Seven, grouped by what they demand after approval: personal loans and consumer durable and BNPL, the unsecured books; vehicle and EV loans, home loans and loans against property, the secured ones on their asset and property spines; business and MSME loans and supply-chain and invoice finance, where the borrower is a business or the payer is a buyer. If yours is not listed, show it to us anyway; the platform is class-generic and the seven are where the pages are written, not where the platform stops.
Where does the data live and who can see it?
On your cloud (AWS, Azure or Google Cloud) or in your own VPC, inside your boundary. Lokta runs with any model, and every connection to a rail, a bureau or a partner is risk-rated and proven safe before it can touch the book.
Does Lokta do loan origination?
Not in this cycle. Lokta runs the book after approval: servicing, monitoring and early warning, collections, and recovery. Underwriting, credit decisioning and origination-time pricing stay with the lender. That focus is deliberate, because the return on a loan is largely decided after the money goes out.

Bring us the book you want to run.

Bring your product, your collections policy and the accounts that eat the most human effort today. You get a straight read on fit, on your book, from the people who built the platform. Not a demo deck.

Bring us your bookWhy after approval

30 minutes with the product team. Reply within one business day.