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ERP Capabilities

Engineered for Vehicle Finance Operations

FinAUTO organizes the entire vehicle finance lifecycle—from the initial loan calculator to field recovery, daily branch accounts, and owner reporting.

01
Loan Operations

Loan Management & Calculations

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Designed to structure vehicle loan onboarding with customizable interest models, charge configurations, and tracking references.

Key Capabilities

✓Built-in loan calculation simulator for quick quote generation
✓Flat monthly interest calculation option
✓Flat yearly interest calculation option
✓Configurable loan tenure in months
✓File charge configuration with addition or deduction modes
✓Customizable grace-day settings and penalty rules
✓Configurable EMI start dates and schedule generation
✓Digital loan identification numbers paired with physical file references
✓Loan review and structured submission workflow

Note: Loan calculation parameters are configurable by the business operator. FinAUTO does not make automated lending or credit underwriting decisions.

02
Onboarding & KYC

Customer & KYC Record Organization

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Structure customer profiles, contact records, address data, and associated documentation within the organization tenant.

Key Capabilities

✓Structured customer profile details (name, relation, date of birth)
✓Multiple mobile phone numbers for primary and alternate contact
✓Residential and permanent address recording
✓Occupation and declared monthly income fields
✓Bank details and account reference fields
✓Identity document reference numbers (without public exposure)
✓Existing customer search to avoid duplicate records
✓Direct linkage to associated loans, guarantors, and vehicles

Privacy Note: Customer records are stored inside your private organization account. The public marketing website does not collect or access customer records.

03
Risk & Relationship

Guarantor Management

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Record guarantor details, relationship mapping, and verification references associated with specific vehicle loan files.

Key Capabilities

✓Guarantor profile recording (name, contact numbers, address)
✓Relationship mapping between guarantor and customer
✓Guarantor occupation and reference documentation
✓Direct mapping to the specific vehicle loan account
✓Searchable guarantor records across branch files

Guarantor records serve as operational contact and relationship references for loan files.

04
Asset Tracking

Vehicle & Asset Management

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Detailed vehicle asset tracking across auto rickshaws, two-wheelers, cars, and commercial transport vehicles.

Key Capabilities

✓Vehicle type classification: Auto Rickshaw, Bike / Scooter, Car, Commercial Truck
✓Brand and model selection with custom brand/model entry support
✓Vehicle color, manufacturing year, and variant details
✓Vehicle Registration Certificate (RC) number logging
✓Chassis number and engine number reference fields
✓Insurance policy number and expiry date tracking
✓Fitness certificate validity tracking for commercial vehicles
✓Vehicle photo and inspection document association

Designed to help financiers track asset details, fitness renewal timelines, and registration information.

05
Intermediaries

Broker & Agent Management

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Track sourcing brokers, loan file assignments, and commission calculations across your vehicle finance files.

Key Capabilities

✓Broker profile creation and contact directory
✓Direct assignment of broker to loan files during onboarding
✓Commission calculation tracking (percentage or fixed amount)
✓Broker performance and file count reporting
✓Relationship protection for linked customer records

Helps finance offices maintain transparent commission ledgers and sourcing partner records.

06
Files & Media

Document Organization & Storage

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Organize digital copies of customer KYC, vehicle RC, insurance certificates, and loan agreements in structured categories.

Key Capabilities

✓Categorized document buckets: Customer KYC, Vehicle RC, Insurance, Guarantor, Agreements
✓Mobile and tablet camera capture and gallery upload workflows in the Android application
✓Client-side image compression workflows for efficient storage
✓Direct association of documents to customer, vehicle, and loan IDs
✓Visual thumbnail previews and structured document lists

FinAUTO organizes digital copies; physical document verification and legal validity remain the responsibility of the finance office.

07
Daily Operations

EMI Collection & Recovery Management

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Track daily installment collections, status transitions, penalties, and receipt records for field and office staff.

Key Capabilities

✓Clear EMI status indicators: Pending, Partial, Paid, Overdue, and Defaulted
✓Penalty calculation and grace period rule support
✓Advance EMI recording and installment adjustments
✓Digital receipt generation with unique system receipt numbers
✓Physical receipt book number tracking for field collection verification
✓Daily collection summaries by collection agent, branch, or date
✓Structured overdue lists for recovery team follow-up

FinAUTO provides workflow and record-keeping tools; it does not guarantee debt recovery outcomes.

08
Accounting & Ledgers

Accounts & Financial Operations

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Maintain day-to-day financial ledgers, branch cash books, bank books, expense entries, and daily closing records.

Key Capabilities

✓Daily Cash Book with automated inflow and outflow summaries
✓Bank Book for recording cheque, UPI, and bank transfer entries
✓Cash-to-Bank deposit tracking and transfer logs
✓Daily business closing workflows for branch cash reconciliation
✓Categorized operational expense recording (fuel, rent, legal, recovery costs)
✓Structured financial balance summaries by branch office

Designed for daily operational accounting; does not replace jurisdiction-specific certified statutory audits or tax filings.

09
Capital Management

Capital & Investor Ledgers

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Record business capital structures, partner capital allocations, borrowed capital terms, and interest payable tracking.

Key Capabilities

✓Own capital ledger and partner contribution records
✓Borrowed capital entries with lender terms and interest rate tracking
✓Monthly interest payable calculations and payout logs
✓Capital ledger history with contribution and withdrawal records
✓Operational profit tracking indicators based on recorded ledger data

FinAUTO is an internal operational record tool and does not provide investment advice or guarantee investor returns.

10
Team Governance

Staff, Partner & Office Access

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Configure role-based permissions and office-level boundaries to control who can view, enter, or approve business data.

Key Capabilities

✓Staff and collection agent profiles with assigned credentials
✓Partner profiles with high-level reporting visibility
✓Office-scoping: assign staff to specific branches or all branches
✓Feature-level permissions (e.g., collection only, loan entry only, view-only reports)
✓Staff collection target tracking and daily recovery performance summaries
✓Controlled application access with session and device binding mechanisms across Android phones and tablets

Ensures field agents on smartphones and branch operators on desk tablets access only the files and offices authorized by the business owner.

11
Business Intelligence

Reports & Business Insights

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Generate operational reports to evaluate loan portfolio performance, non-performing assets, and collection health.

Key Capabilities

✓Loan Book Summary: total active loans, outstanding principal, and tenure stages
✓EMI vs Deposit Report: expected collections compared against realized deposits
✓NPA Report: overdue aging analysis and delinquent account lists
✓Cash Book and Bank Book printable closing statements
✓Staff Collection Performance reports by agent and office
✓Broker Commission Ledgers with pending and settled balances
✓Operational Profit and Loss estimates based on recorded income and expense logs

All reports reflect data entered by the organization and depend on regular, accurate daily operational records.

Structured Auto Finance ERP

Ready to Structure Your Auto Finance Operations?

Connect with the FinAUTO team for module walkthroughs, office structure inquiries, or platform availability.