Centre Collections
Every centre’s collections matched to cash, UPI and the loan book the same day, every rupee accounted for.
Why it matters
Officers collect cash and UPI at weekly centre meetings; sheets, deposit slips and the core system are matched by hand days later, hiding shortfalls and misuse.
How the solution handles it
Agents read each collection sheet, match amounts to deposit slips, bank credits and UPI receipts, compare with what was due from every borrower, and flag shortfalls and late deposits. The branch accountant clears each exception the same day.
How a centre meeting is reconciled
Five agents read the sheets, match deposits and UPI, compare with dues, find shortfalls and report; a branch accountant clears every exception.
What it reads, and what it hands back.
What goes in
- Centre collection sheets (paper or app)
- Cash deposit slips and UPI receipts
- Loan book demand schedule
- Centre attendance records
What comes out
- Reconciled centre ledger
- Shortfall and mismatch flags
- Borrower receipt confirmations
- Branch daily cash report
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
“Target” = design goal, measured in the live solution · “Estimated” = our estimate · by-hand times typical of branch reconciliation · agents = the live solution’s configuration
5 specialist agents. One person decides.
More in this division.
Every group’s file checked member by member, so loans disburse the day after GRT, not a week later.
Household IncomeEvery household’s income assessed and its repayments tested against the 50% cap before a loan is made.
Over-IndebtednessEvery household’s loans counted across all lenders before one more is added.
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