Emunshiji

What is Emunshiji?

Emunshiji is a comprehensive digital platform designed specifically for the needs of Non-Banking Financial Companies (NBFCs) and Microfinance Institutions. It helps you automate loan origination, disbursement tracking, collections, risk monitoring, and compliance — all from a single intuitive interface.

🌐 Loan Lifecycle Management

• Customer onboarding with digital KYC
• Group & individual loan schemes
• Loan appraisal and approval workflow
• Automated disbursement tracking with SMS/email alerts

📍 Field Collection & Recovery

• Mobile collection app with offline sync
• Geo-tagged visits and route tracking
• Auto reminders via SMS & WhatsApp
• Installment status and recovery analysis

📊 Analytics & Insights

• Portfolio at Risk (PAR) analysis
• Delinquency tracking & NPA reports
• Performance dashboards for teams
• Branch-wise collection heatmaps

🛡️ Compliance & Security

• Fully compliant with RBI, NBFC norms
• Role-based access & encrypted database
• Audit logs & transaction tracking
• Secure cloud or on-premise deployment

🔧 Add-ons & Integrations

• CIBIL & Equifax credit check integration
• SMS/Email gateway plug-ins
• Accounting software sync
• White-labeled mobile app for your brand