UnPay Loan Management System

Spec sheet

Purpose

The system handles loan servicing from disbursement through repayment and closure.Read 30 Sep 2026 · unpay.co

Intended users

The product page names NBFCs, microfinance providers, housing finance, vehicle and equipment finance, embedded lenders, and asset reconstruction as intended users.Read 30 Sep 2026 · unpay.co

API

The API can post repayments, fetch schedules and balances, raise restructures or closures, and send webhooks for due, overdue, bucket-change, and closure events.Read 30 Sep 2026 · unpay.co

Headquarters

Kolkata, West Bengal, IndiaRead 28 Sep 2026 · unpay.co

Founded

2024Read 28 Sep 2026 · unpay.co

Audit and tenant controls

The product page says restructuring and closure events record an actor and timestamp, and loan data is scoped to an organisation.Read 30 Sep 2026 · unpay.co

Delinquency and classification

A scheduled sweep advances days past due and re-buckets loans against configured NPA thresholds.Read 30 Sep 2026 · unpay.co

Repayment allocation

Repayments are applied in a fixed order: penalty, interest, then principal.Read 30 Sep 2026 · unpay.co

Repayment methods

The page lists NACH, eMandate, PDC, standing instructions, and manual receipts as collection channels or methods.Read 30 Sep 2026 · unpay.co

Restructuring

Listed resolution options include moratorium, EMI reduction, tenure extension, one-time settlement, legal action, and write-off.Read 30 Sep 2026 · unpay.co

Schedules

It generates flat or reducing-balance instalment schedules at disbursement.Read 30 Sep 2026 · unpay.co

Security certification

UnPay states that it is ISO 27001 certified and Cert-In certified.Read 30 Sep 2026 · unpay.co

Security practices

The security policy says data is encrypted in transit using TLS and at rest using AES-256, with hardware-backed key management.Read 30 Sep 2026 · unpay.co

Support and pricing

The pricing page lists community support for the free sandbox, email and chat support on Scale, and 24/7 named support on Enterprise; it says individual product rate cards are shared during onboarding.Read 30 Sep 2026 · unpay.co

Plans and prices

Every UnPay Loan Management System plan and price →

Where Specifiction places it

• Loan Management Software#18 of 307.4