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    overview - Best Gold Loan Management System

    Versatile Gold Loans. Personalised Loan products as per Customer Segment . Quick Disbursal . Days Bucket based Interest Rate . Partial or Early repayments . Partial release of Ornaments . Mobile App

    We have experience of providing lending software for over 2 decades. Jaguar 360 degree Cloud covers all the requirements gathered over these 2 decades. Every lender has their own market requirements and no two businesses are alike. We provide a blank canvas to design your system within days, with the help of configurable products and Business Process Management (BPM) based processes which can be designed within minutes to cater to any process flow.

    Streamline loans with our software solutions

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    Jaguar 360° Cloud streamlines loan origination with a flowchart-based process design, providing flexibility for diverse scenarios. Integration with APIs enables seamless data submission to co-lenders, fostering collaboration and efficiency. This approach ensures smooth operations and enhances decision-making in the loan origination phase.

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    Our lending solution covers the entire lifecycle, from disbursement to closure, offering integrated financial accounting, scheduled disbursal, and diverse repayment options like EMI, scattered installments, and moratoriums. With flexible installment frequencies from daily to yearly, it ensures accurate income recognition, efficient repayment, and meticulous handling of PDCs, ACH, and late payments. It manages NPAs, provisioning, closure details, including NOC register and post-disbursal document management, and provides robust MIS capabilities, multi-lingual support, SMS integration, and seamless CIBIL data submission.

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    Co-lending, as the name suggests, involves multiple lenders coming together to provide a loan to a borrower. This approach is gaining popularity due to its ability to mitigate risk, increase loan amounts, and provide borrowers with better terms. Jaguar 360° Cloud seems to offer a comprehensive solution for managing co-lending arrangements and covering various aspects.

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    WHY GOLD LOAN BUSINESSES
    NEED SPECIALIZED SOFTWARE

    The operational complexity of gold loans exceeds that of other unsecured loans. They also require the following:

    Recording of the purity and weight of gold
    Custody management at the branch level
    Calculation of interest based on "buckets
    Early/partial repayment
    An automated auction workflow.
    Important: Traditional LMS systems cannot manage the operational complexity of gold loans. Therefore, dedicated LMS systems must be used for managing gold loans.

    KEY MODULES OF JAGUAR 360° Gold Loan Software

    Loan Origination System (LOS)

    • Digital integration of KYC and CKYC
    • CIBIL and Bureau Application Programming Interfaces (APIs)
    • Workflow approval based on user rights
    • Process flow design capabilities through flowchart-based configuration
    • Instantly calculating eligibility for a loan application

    Note: Our BPM based engine enables lenders to develop their process flows quickly and with minimal effort in modifying existing processes.

    Loan Management System (LMS)

    • Ornament-wise inventory tracking
    • Image capture & storage
    • Branch vault monitoring
    • Automated interest accrual
    • Days-bucket based interest slabs
    • NPA classification logic

    Fully compliant with guidelines issued by Reserve Bank of India

    Partial Release & Early Closure Management

    • Partial repayment calculation
    • Interest recalculation automation
    • Partial ornament release workflow
    • Automated settlement sheet generation

    Co-Lending & API Integrations

    • Seamless co-lender data push via APIs
    • CBS integration
    • Payment gateway integration
    • Accounting software sync
    • SMS & WhatsApp notification APIs

    Ideal for banks and NBFCs engaged in co-lending partnerships.

    Companies like "Au Financiers" grew to a size of 3500 crore on our software

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    Managed Loan Count
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    Managed Loans Worth
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    Happy Clients

    Our Latest Blog

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    FAQs

    • What is loan software, and how does it benefit my business?

      Loan software automates and streamlines the lending process, from application to approval and disbursement. It enhances efficiency, reduces errors, and provides better visibility into loan portfolios, ultimately saving time and improving decision-making.

    • Is your loan software customizable to suit our specific lending requirements?

      Yes, our loan software is highly customizable. We work closely with each client to understand their unique lending processes and requirements, ensuring that the software is tailored to meet their specific needs.

    • How secure is your loan software, and what measures do you take to protect sensitive customer data?

      We prioritize the security of our loan software and adhere to industry best practices for data protection. Our software features robust encryption, secure access controls, and regular security updates to safeguard sensitive customer information.

    • Can your loan software integrate with other systems or third-party applications that we use?

      Yes, our loan software is designed to integrate seamlessly with other systems and third-party applications. Whether it's integrating with credit bureaus for credit checks or connecting with accounting software for financial reporting, we offer flexible integration options to meet your needs.

    • What level of customer support do you provide for your loan software?

      We pride ourselves on providing excellent customer support. Our dedicated support team is available to assist you with any questions or issues you may encounter. We offer various support channels, including phone, email, and live chat, to ensure that you receive timely assistance whenever you need it.

    • What level of customer support do you provide for your loan software?

      Yes, we offer comprehensive training for your staff to ensure that they are proficient in using our loan software. Our training programs cover all aspects of the software, from basic functionalities to advanced features, and can be customized to suit the needs of your team.

    • What kind of reporting and analytics capabilities does your loan software offer?

      Our loan software provides robust reporting and analytics capabilities, allowing you to gain valuable insights into your lending operations. You can generate various reports, track key metrics, and analyze trends to make informed business decisions and drive growth.

    • How often is your loan software updated, and are there additional costs for updates?

      We regularly update our loan software to enhance performance, add new features, and address any security vulnerabilities. Updates are included as part of your subscription or licensing agreement, so there are no additional costs for updates.

    • Can your loan software support different types of loans, such as mortgages, personal loans, and business loans?

      Yes, our loan software is versatile and can support various types of loans, including mortgages, personal loans, business loans, and more. Whether you're a mortgage lender, a credit union, or a finance company, our software can accommodate your lending needs.

    • How quickly can we implement your loan software and start using it in our business operations?

      The implementation timeline for our loan software depends on various factors, such as the complexity of your lending processes and the extent of customization required. However, we strive to ensure a smooth and efficient implementation process, and our team will work closely with you to get the software up and running as quickly as possible.

    • Can the system handle 'Partial Releases' of gold?

      Customers commonly ask, "I returned half of my loan, can I get my bangles back, but leave the necklace?" At Jaguar Software India, we have made this easy. With our software application’s partial release of ornaments, the Customer will receive an updated loan contract showing the remaining value of their loan, and still have the safety of their collateral. Each time the customer releases part of their collateral, the software will recalculate and update the loan contract with the current loan amount based on the remaining collateral weight. In addition, the customer will be very satisfied with their transaction.

    • Is there a way for customers to see their gold valuation at home?

      Through the Jaguar Customer App, your borrowers can view the value of their pledged gold, any outstanding interest and make payments of the due amounts through UPI or Net Banking. This kind of transparency can help decrease the number of people who come into the branch with simple inquiries and enable your staff to focus on disbursing new loans.

    • How does the software handle fluctuating gold prices?

      Your gold loan business relies on current gold market prices as the basis for your lending operations. With our software, we provide real-time integration with Real-Time Gold Rate APIs so that the "Per gram" value in your system is always accurate, based on current market values. When gold prices fall dramatically, our software will flag any loans with an LTV ratio exceeding the 75% maximum set by RBI, so that you can take action to request a top-up or margin call before it is too late.

    We provide modern digital lending solution that are suitable for Fintechs as well as traditional lenders.

    Call Us +91 9666107000

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