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.
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.
Read moreOur 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.
Read moreCo-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.
Read moreThe operational complexity of gold loans exceeds that of other unsecured loans. They also require the following:
Note: Our BPM based engine enables lenders to develop their process flows quickly and with minimal effort in modifying existing processes.
Fully compliant with guidelines issued by Reserve Bank of India
Ideal for banks and NBFCs engaged in co-lending partnerships.
We have complete logging feature as per banking standards, as required by RBI from 1 April 2023.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.