Catch personal loans before they roll.
Every overdue account arrives with the reason and the next safe action already prepared: the bounce, the promise history, the borrower's language and window. The treatment that goes out is the one your policy allows, released by a named approver.
30 minutes with the product team. No generic demo.
Personal loans, on a platform built by the team behind Apache Fineract, the world's #1 open-source lending core.
See where the book is moving, not just where it landed.
Portfolio totals say how much is overdue. They do not say which cohorts are seasoning faster, which accounts rolled forward, or where unresolved demand sits today. Lokta keeps those views connected.
- Cohort seasoningEach cohort against its own history, not a portfolio average.
- Forward rollsWhich accounts moved 1-30 into 31-60 before the close.
- Demand, not cashInstalments due against receipts posted, so arrears recovery cannot flatter the cycle.
- Drill to the accountFrom the exception to the account and its evidence.
Work the accounts that are rolling, not the ones that already rolled.
A queue sorted by overdue amount works the accounts that already rolled. The AI agent ranks by what is about to roll, then reads the bounce reason, promise history and contact window before it proposes the step.
See what the servicing agents do- Mandate and bounceInsufficient funds and technical failure told apart before re-presentation.
- Promise-to-payMade, kept and broken, with amount, date and channel.
- ContactabilityLanguage, permitted window and last right-party contact.
- Charges and waiverCharges in their own heads; a waiver is staged, never posted.
The missed EMI is not the decision. The reason behind it is.
| Both 5 days past due | Account A | Account B |
|---|---|---|
| Salary credit | Arrived on the usual date | Stopped two months ago |
| Bureau | No new enquiry, no new loan | Two new enquiries, one new loan |
| Promises | The last one kept | The last one broken |
| What the agent stages | A reminder in the borrower's language, inside the window | A call before the next presentation, and the account moved up the queue |
Account A
- Salary credit
- Arrived on the usual date
- Bureau
- No new enquiry, no new loan
- Promises
- The last one kept
- What the agent stages
- A reminder in the borrower's language, inside the window
Account B
- Salary credit
- Stopped two months ago
- Bureau
- Two new enquiries, one new loan
- Promises
- The last one broken
- What the agent stages
- A call before the next presentation, and the account moved up the queue
Keep the treatment inside policy, with the evidence beside it.
The agent may stage a contact, promise, waiver or escalation. It does not post money or change loan state. Policy resolves the action, maker-checker where required, and every footprint is written as it happens.
- Agents stageA contact, promise, waiver or escalation, proposed with its reason. A model posts nothing.
- Money needs a signerA waiver, settlement or restructure moves under named maker-checker.
- Out of bounds means stopOutside the declared band the workflow halts and escalates.
Three more controls on the action
- Contact rules travel with the actionLanguage, window and channel are resolved before outreach.
- Written as it happensActor, evidence, before-and-after and reversibility, at write time.
- The record executesOnce approved, the outcome posts deterministically to the loan record. A model posts nothing.
30 minutes with the product team. No generic demo.
Everything you expect from a personal-loan LMS, before any of the above.
The differentiated part sits on a plain one. Six things Lokta's loan management system does on every unsecured account, stated so you can tick them off.
- Schedules and repaymentEMI, prepayment, part-payment, foreclosure, moratorium and restructure, re-amortised paise-exact.
- Payments and mandatesNACH, UPI and gateway receipts appropriated in the product's waterfall; bounces and re-presentation.
- ChargesFees and penal charges under the 2024 directions, in their own heads, waivable only under maker-checker.
- ClassificationDPD, SMA and IRAC stages, provisioning and Ind-AS, derived from the record every day.
- Statements and documentsStatements, NOCs, KFS and APR disclosure and servicing documents on demand.
- Bureau and accountingBureau connector, double-entry posting to mapped GL heads, the audit trail behind every change.
Five things decide whether an unsecured book keeps its margin.
Each number is sourced from the market. Each is followed by what Lokta does about it.
- 01
The stress sits in the smallest tickets
<₹1 lakh is where personal-loan delinquency concentrates; it eases as tickets grow
The smallest ticket carries the least margin to fund a human call, so the accounts most likely to slip are the ones you can least afford to work by hand.
So Lokta ranks the early-bucket queue by roll risk, so the small ticket is worked before it rolls.
CRIF High Mark, How India Lends, Sep 2025 - 02
The borrower is stretched across other lenders
Half of sub-₹50k borrowers hold three live loans on the day you disburse
The account current with you may be stressed elsewhere. When several lenders present on the same day, your mandate hits an account someone else already emptied.
So Lokta reads the bureau line slipping on another loan as a signal, before the EMI bounces with you.
RBI Financial Stability Report, Jun 2024 - 03
Unsecured is where retail slippage comes from
53.1% of banks' retail slippages come from unsecured products
There is nothing behind the loan but the borrower's next salary and your ability to reach them first, so the roll from bucket one to bucket two is the whole loss story.
So Lokta surfaces forward roll by cohort and account before month-end, while the account is still curable.
RBI Financial Stability Report, Jun 2025 - 04
Every contact is now a conduct event
29% of complaints to the RBI Ombudsman are about loans, the largest category
The 2025 Digital Lending Directions make the lender answerable for every agent action. A collections call is a regulatory record now.
So Lokta carries window, language and conduct rules with each proposed action and logs every attempt.
RBI Ombudsman Annual Report FY24; Digital Lending Directions, May 2025 - 05
One calling window, shared with every lender
8am to 7pm the only hours a recovery agent may call, and every other lender is calling in them too
A tele-calling seat reaches the borrower a fraction of the time inside those hours, and the person on the seat turns over before their judgement is worth anything.
So Lokta prepares early-cycle work continuously, holds the account context and queues each contact inside the window, so headcount need not track volume.
RBI, Recovery Agents circular, Aug 2022
Not ready for a call?
One platform, configured for personal loans.
The same loan management system, servicing agents and lending ontology run every book; on this one the policy and the workflow are shaped for unsecured retail. How control works, where it runs, and how it differs from a record-keeping LMS are on the Solutions page, said once.
What lenders ask first.
What does Lokta do on a personal-loan book after approval?
It connects demand, receipts, mandate outcomes, DPD movement, promises and contactability on every account. Agents prepare the next servicing or collections action, policy resolves whether it is allowed, and a named signer stays in the path for anything consequential. Origination and underwriting stay with you.
Can an agent waive charges or agree a settlement?
It can prepare one, inside a band you declare. A named approver signs anything that changes money or loan state; outside the band the workflow stops and escalates. Once approved, the outcome posts to the loan record.
How are borrower-contact rules enforced?
Your permitted windows, languages, channels and conduct constraints travel with each proposed contact. Outreach outside them is blocked or escalated, and every attempt and its outcome is recorded.
Do we have to replace our LOS, our underwriting or our LMS?
Not your LOS and not your credit decisions: Lokta runs the book after approval and takes the sanctioned terms as given. Not your LMS either, unless you want to. The servicing agents run on the core you already have, connecting to it for borrower and loan context and staging work into it; a book can move onto Lokta's own loan management system when you are ready, one book at a time.
What happens after we show you our book?
Thirty minutes with the product team, on your own accounts: segments, repayment rails, the collections policy as written, and the accounts that eat the most human effort. We come back inside a business day. Sometimes that is a next step; sometimes it is that Lokta is not the right fit yet, and why.
Bring us one difficult workflow.
Your segments, repayment rails, collections policy and the accounts that eat the most human effort today. You get a straight read on fit and direct access to the founding team.