Vijay Finance

Loan management platform with automated UPI AutoPay collection

vijayfinance.app/dashboard

Vijay Finance AutoPay dashboard showing loan collection overview

[ THE CHALLENGE ]

Manual books,
missed EMIs

Individual money lenders in Gujarat run largely on informal systems — handwritten registers, WhatsApp reminders, and a phone call for every EMI. Vijay Finance was managing a growing loan book with no digital record of who had paid, who was overdue, or what the month's collection would look like.

The ask was clear: replace the register with a purpose-built platform, and automate EMI collection entirely.

[ BEFORE THIS PLATFORM ]

Loan records kept in physical registers
Monthly calls to every borrower for EMI
No visibility on overdue vs. current loans
Manual reconciliation at month end
No agreement trail or audit history
Failed payments discovered days later

[ THE SOLUTION ]

One platform,
zero chasing

We built a purpose-built loan management platform with one central decision: put UPI AutoPay mandates at the heart of collection. Clients authorise a mandate once; EMIs debit automatically on every due date via RocketPay. Vijay Finance doesn't chase — the platform collects.

Three loan types — Regular, Custom, and Adhoc — cover every structure lenders actually use, without forcing non-standard agreements into a rigid template. Staff manage the whole lifecycle from creation to settlement without leaving the app.

Built in collaboration with RocketPay for UPI mandate processing

[ WHAT WE BUILT ]

Six things the platform does

AutoPay Dashboard

Real-time overview of the entire loan book — Active, Awaiting Auth, Collected, Failed, and Scheduled — all on a single screen with instant status clarity.

Three Loan Types

Regular (fixed equal installments), Custom (user-defined dates and amounts), and Adhoc (open-ended with an approval cap) — matching how lenders actually structure agreements.

UPI AutoPay Collection

Built on RocketPay Enterprise. Clients authorise a mandate once during onboarding; EMIs debit automatically on each due date. No calls. No reminders.

Client Management

Full client register with loan history, mobile search, and per-client loan count. New clients can be created inline during loan creation — zero context switching.

Agreement & QR Sharing

Generate a loan agreement and send it directly from the loan detail view. QR code and shareable payment link for UPI mandate authorisation.

EMI Calculator & Installment Sync

Built-in EMI calculator for any schedule configuration. Installments sync live from RocketPay with debit status, attempt counts, and inline retry controls.

[ THE PRODUCT ]