Government-verified income data
For complete ITR assessment
For income verification
Cumulative volume
Finpass offers a smart loan monitoring system that helps lenders track a borrower’s financial health and repayment capacity after a loan has been disbursed. Unlike loan management systems that focus on loan servicing and repayment tracking, a loan monitoring system monitors borrowers' accounts to identify early signs of repayment risk before defaults occur.
Identify when borrowers usually maintain higher balances in their accounts. It helps lenders schedule NACH mandates at the right time to improve recovery success.
Detect newly added loans, BNPL repayments, and financial obligations that may impact repayment capacity after loan disbursement.
Monitor salary drops, irregular income patterns, job changes, and delayed salary payments compared to the borrower’s original financial profile.
Track borrower financial activity in real time and generate health scores based on spending patterns, account balance changes, and repayment behavior across different monitoring periods.
Monitor borrower financial behaviour, detect repayment risks, and reduce NACH bounces with Finpass Lens. An early warning and loan monitoring system designed to take proactive action and prevent delinquent loans.
Here is a simple workflow on how Finpass Lens works:
The borrower enters their registered mobile number linked with the bank account into the dashboard. This initiates the secure monitoring journey and borrower identification process.
The borrower enters their registered mobile number linked with the bank account into the dashboard. This initiates the secure monitoring journey and borrower identification process.
Borrowers select the bank accounts that lenders can monitor for repayment behavior, balance trends, salary credits, and obligation tracking. This enables continuous financial visibility across active loan portfolios.
Borrowers select the bank accounts that lenders can monitor for repayment behavior, balance trends, salary credits, and obligation tracking. This enables continuous financial visibility across active loan portfolios.
The borrower provides consent to monitor their bank statements for a specific period of time.
The borrower provides consent to monitor their bank statements for a specific period of time.
Lenders configure automated monitoring cycles based on portfolio risk strategies and operational requirements. Continuously tracks changes in borrower financial behavior across every monitoring cycle.
Lenders configure automated monitoring cycles based on portfolio risk strategies and operational requirements. Continuously tracks changes in borrower financial behavior across every monitoring cycle.
It detects repayment risks, new EMI obligations, income drops, balance deterioration, and liquidity stress signals automatically. Webhook facilities allow real-time alerts and seamless integration into LMS, collections, and risk systems.
It detects repayment risks, new EMI obligations, income drops, balance deterioration, and liquidity stress signals automatically. Webhook facilities allow real-time alerts and seamless integration into LMS, collections, and risk systems.
Every lender who wants proactive borrower risk monitoring and portfolio management should integrate Finpass Lens into loan lifecycle management system or workflow.
NBFCs can use our loan management system to monitor borrower repayment capacity and improve collection.
Our loan monitoring system helps digital lending platforms continuously track borrowers' financial health and reduce delinquency risk after loan disbursement.
Banks can integrate Finpass Lens to strengthen loan portfolio monitoring with real-time borrower intelligence and early warning signals.
Our system is an effective solution for BNPL providers to identify income fluctuations and repayment stress before accounts become overdue.
One platform. Every financial signal. Zero manual work.
This automated intelligent loan monitoring system identifies borrower repayment risks weeks before EMIs are missed through continuous financial monitoring and automated early warning signals.
Accurately detect peak balance windows and optimize mandate timing to enhance the collection success rate.
Smoothly integrates with the Loan Management System (LMS), collection platform, risk engine, or CRM through APIs and webhooks.
Monitor borrowers' financial health weekly or monthly instead of relying on static borrower information. A perfect solution to integrate with a loan lifecycle management system.
Access borrower financial information through a secure, consent-based, RBI-Compliant Account Aggregator Framework.
Borrower consent is captured once at the time of loan. Disbursement. After that, consent will be valid for 3 years for monitoring cycles.
Gain real-time visibility into borrower liquidity, repayment behavior, and financial stress signals to make collections more proactive and data-driven.
Find answers to common questions about our AI-powered financial analysis platform. Can't find what you're looking for? Our team is here to help.
It is a loan-monitoring and early-warning system that helps lenders continuously track borrowers' financial behaviour.