Fintronix Finance & Chit Management ERP
A centralized multi-product ERP platform designed to unify loan origination, chit operations, fixed deposits, card-to-cash services, double-entry accounting, and mobile field collections into one connected ecosystem.
One ERP for Multiple Financial Products
Fintronix operates across diverse financial services, including microfinance loans, registered chit fund operations, fixed deposits, and card-to-cash facilities.
Prior to partnering with Codepluse, the business operated with notebooks, physical registers, and fragmented software tools. Managing distinct products with different operational rules led to reconciliation overhead, collection delays, and limited executive visibility. A previous software vendor's implementation failed to meet operational demands over an extended rollout.
We engineered a centralized Finance & Chit Management ERP that brings all products into a unified ecosystem. The platform covers the complete operational lifecycle—from customer onboarding and Aadhaar OTP KYC verification to loan processing, EMI tracking, chit auction bidding, dividend calculations, FD maturity, and automated double-entry accounting.
The Operational Challenge & The Engineered Solution
How we transformed fragmented notebooks and separate multi-product processes into a single automated, audit-compliant digital ecosystem.
Manual Books & Multi-Product Complexity
Operating loans, chits, and fixed deposits through manual processes led to record duplication, field agent miscommunication, and zero centralized visibility.
Customer balances, EMI registers, chit installment cards, and FD certificates were maintained physically, making daily audits painful.
Loans, chits, and FDs operated in separate silos with no unified customer profile or consolidated accounting ledger.
Field agents collected cash without real-time GPS tracking or digital receipts, creating reconciliation disputes with head office.
An earlier software vendor could not handle the complex auction mathematics and multi-product accounting requirements.
One Platform. Multiple Products. Centralized Control.
We architected an end-to-end ERP linking Admin, Field Agents, and Customers with automated accounting, eNACH mandates, and mobile apps.
Complete management from loan disbursement and EMI tracking to chit scheme groups, auction bidding, dividends, and settlements.
Automated chronological Day Book, customer ledgers, bank transactions, revenue/expense categorizations, and instant P&L balance sheets.
Empowers field agents with route-assigned collections, instant Bluetooth thermal receipt printing, and daily cash reconciliation.
Allows borrowers and chit members to view active products, check upcoming dues, verify credit scores, and make digital payments.
Understanding Every Financial Workflow Before Building
Because Fintronix handles loans, chits, deposits, and accounting, our 6-stage engineering process mapped each workflow individually before fusing them into a unified ERP.
Workflow Mapping
Studied physical registers, lending terms, chit auction rules, and FD maturity calculations.
Unified Architecture
Designed common customer repository, double-entry schema, and role-based permissions.
Module Build
Developed individual modules for Loans, Chits, Fixed Deposits, and Card-to-Cash.
Fintech APIs
Integrated Aadhaar OTP verification, credit scoring, eNACH auto-debit, and payment gateways.
Mobile Apps
Engineered Flutter apps for field collection agents and customer self-service.
Deploy & Audit
Migrated historical loan and chit data, trained branch staff, and deployed to live production.
One Unified Platform.
Complete Financial Control.
"Managing microfinance loans, chits, and fixed deposits through separate registers was holding our growth back. Codepluse understood our complex domain rules and delivered an ERP that our branch staff and field agents adopted immediately."
The ERP connects our office administration, field collections, and customer apps seamlessly. We now have real-time visibility into collections, auction bidding, and daily accounting without any manual errors.
Executive Directors
16 Core Modules Powering Multi-Product Operations
A full-scale fintech ERP architecture covering microfinance lending, registered chit fund operations, fixed deposits, card-to-cash, accounting, and mobile applications.
Centralized Dashboard
Consolidated executive command center displaying collections, active loans, chit volumes & revenue.
Centralized Client 360
Single customer repository linking loans, chit memberships, FD accounts, ledgers, and transaction history.
Aadhaar OTP & KYC
Integrated API verification for instant customer KYC, Aadhaar OTP authentication, and credit score checks.
Loan Origination & Accounts
Structured application intake, verification gates, sanction letters, and loan account disbursement.
EMI Schedules & Calculator
Automated reducing and flat rate EMI schedules, penalty rules, overdue alerts, and repayment logs.
Chit Schemes & Groups
Configure chit schemes, monthly installment amounts, tenure, group member transfers, and family links.
Auction Bidding & Winners
Digitized reverse-auction bidding panel, minimum/maximum bid limits, winner selection, and settlement workflows.
Dividend & Referral Engine
Automated dividend distribution calculations credited directly to active members, plus referral bonuses.
Fixed Deposit Management
FD scheme setup, deposit creation, tenure tracking, client interest wallets, and maturity settlements.
Card-to-Cash Workflow
Dedicated pipeline for credit card leads, customer wallets, transaction processing, and payout logs.
Day Book & Ledgers
Chronological transaction recording, double-entry account ledgers, voucher numbers, and cash flow audits.
P&L & Bank Reconciliation
Real-time profit & loss statements, revenue/expense classifications, and multi-bank account transfers.
Field Agent Collection App
Flutter mobile app with route-assigned collection lists, instant receipt printing, and daily cash reconciliation.
Customer Self-Service Portal
Customer portal to check loan dues, chit bidding status, FD balances, and execute digital payments.
eNACH Auto-Debit Integration
Automated recurring bank mandate collections for EMIs and chit installments with status alerts.
Multi-Branch & Role Security
Granular role-based permissions, branch-level data isolation, employee HRM, and comprehensive audit logs.
Engineered Around 5 Distinct Financial Roles
Tailored interfaces ensure executive oversight while keeping field collections fast and customer interactions frictionless.
Executive Management
Full governance over multi-branch finances, P&L statements, sanction approvals & audit security.
Operations Staff
Application intake, KYC verifications, loan account ledgers, and day-to-day counter entries.
Chit Fund Manager
Manages group member enrollments, conducts monthly auction bidding, and calculates dividends.
Collection Agent
Mobile app with route-assigned collection lists, digital receipt generation, and daily cash reconciliation.
Borrower / Member
Mobile self-service to check active loan dues, chit bidding status, and make online repayments.
Visual Tour of the Deployed ERP
High-fidelity views of the live ERP dashboard, chit fund management, loan accounting & mobile apps.
Executive Dashboard
Comprehensive real-time overview of collections, loans, chit groups, fixed deposits & revenue.
Chit Fund Management
Chit schemes, group member management, auction bidding panel & dividend calculations.
Loans & Accounting
Active loan accounts, EMI repayment schedule, Day Book ledger & P&L statements.
Field Agent & Customer Apps
Mobile route collections, instant receipts print, and customer self-service product tracking.
Engineered as a Connected Fintech Ecosystem
A robust, enterprise-grade architecture designed for strict financial accounting, high-speed mobile syncing, and bank API integration.
Double-entry ledger calculations are enforced at the database transaction level to prevent imbalances. Real-time API integrations support instant Aadhaar OTP KYC, credit scoring checks, and automated eNACH bank debits.
Flutter cross-platform architecture powers both the Agent Collection app and the Customer Portal, offering offline-capable collection queues, Bluetooth printer pairing, and secure encrypted communications.
Delivered in 45 Working Days
A structured, agile development progression ensuring smooth data migration from manual notebooks to the live ERP.
Measurable Outcomes for Fintronix
How transitioning to Codepluse's centralized ERP eliminated manual registers, accelerated cash reconciliation, and united branch operations.
Products Under One ERP
Digital Field Collection Sync
Ledger Discrepancies
Fast Production Launch
Key Operational Transformation
Fintronix eliminated hundreds of handwritten notebooks and multiple disconnected spreadsheets. Today, when a field agent collects an EMI or chit installment via the mobile app, the cash reconciliation, customer ledger, Day Book, and executive dashboard update instantly without human intervention.
LET'S GET YOUR PROJECT STARTED!
Share your idea and we'll turn it into reality. Quick quotes and fast turnaround.