Following file LN-88214 — a real journey every Graviton loan makes.
CHAPTER 01 · DAY 0 · DISBURSE
Money moves. The books move with it.
Pay out in full, or in tranches as the truck gets built — with Pre-EMI collecting interest-only until the last tranche lands. Every payout posts its own journals. Released the wrong tranche at 4:55 pm? Undo just that one, reason logged, accounting reversed cleanly.
Pre-EMI · interest-only on ₹80,000COLLECTING MONTHLY
Tranche 2 · ₹40,000 · on registration milestoneFUTURE · RPS ON DISBURSAL
Full EMI schedule auto-generates when tranche 2 landsUNDO LAST TRANCHE AVAILABLE
CHAPTER 02 · MONTHS 1–24 · REPAY
Every EMI finds its way home.
The eNACH presentation file generates itself days before the due date. PDCs sit tracked in the vault. UPI, QR and cash land receipted from the field. And when a mandate bounces at 6 a.m., the charge is levied, the SMS is out, the collection task is raised and re-presentation is scheduled — before your branch opens.
Receipt stream — EMI 07/24ALL CHANNELS · ONE LEDGER
eNACH presented · ₹6,200BOUNCED · 06:02
Bounce charge ₹450 · SMS + letter · task → field officer✓ 06:02 · AUTO
Doorstep QR · ₹6,650 collected · digital receipt✓ 11:40 · RECONCILED
Re-presentation cancelled · account currentSAME NIGHT · DPD 0
CHAPTER 03 · MONTH 11 · LIFE HAPPENS
The borrower changes the plan. The schedule keeps up.
A good harvest brings ₹50,000 to the branch. Show the borrower both futures before touching the account — reduce EMI or reduce tenure, prepayment charge auto-computed. Rate resets regenerate thousands of schedules overnight with letters out. Restructuring, moratoriums, top-ups — every version kept, every change lettered.
Prepayment simulator — ₹50,000CALCULATE IMPACT · NOT YET POSTED
OPTION A · REDUCE EMI
₹6,200 → ₹3,480
tenure stays 24m · charge ₹500
OPTION B · REDUCE TENURE
24m → 15m
EMI stays ₹6,200 · interest saved ₹9,140
Borrower picks B → schedule V2 posts · letter issued · V1 retained for auditEVERY VERSION KEPT
CHAPTER 04 · THE END · CLOSE
Three doors out. Every one leaves a clean trail.
Most loans walk out the front door — last EMI, NOC, lien released, same day. Some foreclose early — quote computed live with lock-in and charges, simulated before it's committed. A few need the hard road — settlement campaigns with approval matrices, write-off with post-write-off recovery still tracked. The ledger stays honest through all three.
NORMAL CLOSURE
EMI 15/15 received
Account closes itself: NOC issued, lien released, SOA archived.
FORECLOSURE
Live closure quote
Principal + broken-period interest + charges per lock-in — previewed, then posted.
SETTLEMENT · WRITE-OFF
The hard road, governed
Approval matrix, guarantor recovery, memo-ledger tracking after write-off.
File LN-88214: closed at month 15 — foreclosed after the prepayment, NOC in the borrower's hands the same day.✓ JOURNEY COMPLETE · TRAIL INTACT
LN-88214 was one of 2,104,388.
SAME ENGINE · SAME NIGHT · SAME TRAIL
ACT II — THE PORTFOLIO JOURNEY
One loan was a story. The book is a machine.
A month in the life of the portfolio — five chapters of automation, each one ending with the line your auditor takes away.
Following one book — ₹412 Cr, the book this act follows. Platform-wide: 2M+ active loans, ₹30,000 Cr+ AUM.
CHAPTER P1 · DAY 1 · ONBOARD THE BOOK
38,412 loans arrive before lunch.
A branch merger, a pool purchase, a legacy export — books arrive in bulk. Loans, opening balances, PDC registers and mandates with UMRN tagging upload together, and every row is treated like a migration: accruals recomputed independently and matched before a single rupee posts. What fails doesn't vanish — it's quarantined with a reason.
21,204 mandates registered · UMRN tagged to accounts✓ NACH-READY
AUDITOR'S LINENothing enters the book unvalidated — and every rejected row keeps its reason.
CHAPTER P2 · EVERY NIGHT · THE NIGHTLY WATCH
While the branches sleep, the book classifies itself.
The EOD batch runs with no downtime and BOD opens clean: every account re-aged, delinquency buckets moved with reasons, SMA/NPA stamped per RBI norms with applicant-group tagging, unpaid interest to suspense, provisioning posted, bank reconciliation matched. Tonight, like every night:
PORTFOLIO.BATCH.LOG — CORE EOD: 16 MIN● RUNNING
21:00:00 receipts sealed · 38,412 across eNACH / PDC / UPI / QR / cash
23:10:04 NACH presentation file generated · 214,882 mandates, due D+2
00:30:11 accrual sweep · 2,104,388 active accounts · 0 failures
AUDITOR'S LINEClassification is replayable for any past date — provisioning posts itself the same night it's due.
CHAPTER P3 · EVERY MORNING · WORK THE BOOK
Cut the book any way you think.
Slice by product, branch, bucket, vintage or officer — save the cut, pin it. Collection strategy runs per bucket: current gets a nudge, early buckets get tele-calling, 30+ gets the field, 60+ goes legal — tasks raised automatically. Appropriation is policy, not code: P→I→C or I→P→C per product and per NPA status. And communication happens in campaigns, not one SMS at a time.
Strategy board — CV book · JulyPER BUCKET · AUTO-TASKED
AUDITOR'S LINEEvery campaign, task and strategy switch carries who, whom and when — nothing moves off the record.
CHAPTER P4 · WHEN STRATEGY SHIFTS · MOVE THE BOOK
Move ten thousand accounts without losing one.
An officer resigns — their whole basket reassigns with SLAs intact. The repo rate moves — forty thousand schedules regenerate overnight with letters out. A co-lending deal closes — carve the pool by criteria and assign it, with dual accounting and dual bureau reporting from day one. Every bulk action passes maker-checker before it touches the book.
Dual accounting armed · dual bureau reporting from cycle 1ON APPROVAL
Before/after retained per account · reversible until checker approves
AUDITOR'S LINEBulk actions are maker-checked and every account keeps its before/after — ten thousand moves read like one.
CHAPTER P5 · QUARTER-END · TRUE-UP & PROVE IT
Quarter-end becomes a formality.
Charges held to closure apply themselves correctly at termination. The quarterly sweep finds every parked excess payment and adjusts it per policy — refunds queued, letters out. Write-offs move to memo-ledger shadow tracking; recoveries write back. And because the books closed every night, the quarter closes in days, not weeks.
Quarter-end sweep — Q2 FY27RAN IN 41 MIN
Excess payments ₹18.4 L across 1,204 accounts → adjusted per policy✓ JRNL 9921
Write-off 41 → memo ledger · write-back 7 on recoverySHADOW-TRACKED
What your team stops doing by hand
8 OF 38 ROUTINES THE ENGINE OWNS END-TO-END
Routine
The manual way
On Graviton
Interest accruals
Month-end Excel, one figure per branch
Nightly, per account, to the paisa
SMA/NPA marking
Quarterly scramble before audit
Stamped daily, RBI-aligned, replayable
Provisioning & reversal
Manual JVs after classification
Posted automatically the same night
NACH & bounce cycle
Registers, calls and memory
Presentation auto-generated; bounce → charge + task in seconds
Rate-reset repricing
Vendor ticket, weeks of waiting
Schedules regenerated overnight, letters out
Bank reconciliation
Two people, full-time
Auto-matched; only exceptions surface
RBI returns
Excel stitched from four systems
Generated from the ledger, schedulable
Closure & NOC
Branch visits and follow-ups
Live closure quote, NOC on settlement
✓ The point: the routines that burn your ops floor are exactly the ones a policy engine runs better — identically, nightly, with a trail.Ask for the full automation inventory →
AUDITOR'S LINEThe books closed every night this quarter — your audit reads a trail, not a reconstruction.
ONE PLATFORM, NOT A STACK
Everything the journey needs, on one system.
Most lenders run servicing, accounting, collections, reporting and communications across six or seven vendors, with a reconciliation team between them. Graviton runs them on one data model — fewer licences, no integration tax, one source of truth.
7 → 1
Seven systems most lenders licence, host and reconcile separately — consolidated onto one data model. No integration tax, one source of truth.
ONE LEDGERONE LOGINONE VENDOR
Servicing enginewas a standalone LMS licence per product line
One engine — every structure, interest method and day-count
Accounting & GLwas a separate accounting system, reconciled monthly
Real-time double-entry from the same ledger
Collectionswas a third collections tool, synced by export
Native — one data model, no sync
Reporting & RBI returnswas a BI vendor plus manual stitching
200+ reports and RBI returns from the ledger
Communicationswas a messaging vendor, managed apart
Built-in SMS, email and letter campaigns
Compliance & auditwas consultants and manual trails at year-end
Maker-checker, MFA and audit trail built in
Decisioning & ruleswas a rules engine bought separately, or policy hard-coded in the core
Graviton BRE — eligibility, pricing and deviations as versioned rules
Moving from another LMS? Migration is its own discipline — 10+ vendor migrations, the largest 10 lakh+ accounts, and your finance team signs the cut-over.Ask for the migration playbook →
A PLATFORM THAT COMPOUNDS
Your LMS shouldn't stand still.
Legacy systems ship an upgrade a year, behind an NDA. Graviton improves continuously — the same version for every lender, each change documented and published. You inherit the roadmap, not a frozen install.
RISK & NPA
Deeper risk controls
Delinquency-bucket classification, configurable appropriation strategies, applicant-level group tagging and interest-suspense automation.
COMPLIANCE
Stronger governance
In-flow crime-scan & AML verification, multi-factor authentication and role-level access — compliance built into the workflow.
FLEXIBILITY
More lending flexibility
Pre-EMI and tranche machinery, mid-file product switching and deviation reassignment — new structures without a release cycle of your own.
Every enhancement reaches every lender — documented and published, not held for the next contract renewal.See what we've shipped →
RUN IT WITH CONFIDENCE
Built for teams that answer to a regulator.
The facts your CISO, IT and compliance heads ask for before a single account moves.
Deployment, your way
Cloud or on-premise, single-tenant where you need it. You choose where the book lives.
Data residency in India
Encrypted in transit and at rest, separated environments, scheduled backups.
RBI-aligned by design
SMA/NPA classification, maker-checker, MFA, role-based access and a named audit trail.
99.9% uptime, SLA-backed
Production support with defined response commitments, EOD without downtime.
The questions credit, finance and IT heads ask before moving a live book.
The servicing system of record in the Graviton suite. It takes the file from Graviton LOS at disbursal and runs it to closure — schedules, receipts, charges, restructuring, foreclosure — while the portfolio layer classifies SMA/NPA daily, posts provisioning and closes the books nightly. 2 million+ active loans and ₹30,000 Cr+ AUM across 48+ lenders.
Full and tranche-based disbursal with Pre-EMI interest-only instalments and future-tranche creation; EMI, bullet, balloon and step-up structures on flat or reducing balance; eNACH with auto-generated presentation files, PDC management, UPI, QR and cash receipting with same-night reconciliation.
Delinquency buckets with classification from your configured DPD ranges; a choice of appropriation strategies for NPA repayments (P→I→fees or I→P→fees); applicant-level group tagging so one slipping account marks all linked accounts; unpaid accrued interest auto-moved to a suspense account per product; provisioning and income reversal posted the same night — all replayable for audit.
Yes — the prepayment simulator computes both paths (reduce EMI vs reduce tenure) with the product-level charge auto-applied, before anything posts. Your officer shows the borrower both futures, then commits one; the old schedule stays versioned for audit.
Five gates: field mapping and profiling, opening-balance migration with accruals independently recomputed and matched, schedules regenerated or frozen per product, a parallel run against the legacy system, and reconciliation sign-off by your finance team before cut-over. 10+ vendor migrations, 90%+ success.
Yes — bulk data uploads with row-level validation and quarantine, bulk mandate registration with UMRN tagging, book assignment and reassignment by criteria, bulk rate-reset and restructuring campaigns, and segmented communication campaigns. Every bulk action is maker-checked with per-account before/after retained.
Receipt appropriation is policy, not code: choose P→I→C or I→P→C per product, with a separate strategy for NPA accounts. Advance and excess payments park automatically and the quarterly sweep adjusts them per policy — refunds queued, letters issued, journals posted.
Yes. Graviton LMS runs standalone with API integrations to your existing origination and collection systems — or natively with Graviton LOS and Gravicollect on one shared data model, which removes the reconciliation layer entirely.
Watch your own book make this journey.
A working session on your products — disbursal to closure on one loan, then the nightly batch across a portfolio shaped like yours.
✓Response within one working day✓Sample SOA, report pack and migration plan after the session✓SLA-backed rollout — live in 2–4 months
Book a demo
Thirty minutes with a product specialist, on data shaped like your book. We respond within one working day.
