Products FMS
FMS · Finance Management System

Every Rupee.
Every Member.
Fully Tracked.

Purpose-built for NBFCs, chit funds, kulu groups, and microfinance businesses. Activate only the sub-modules your business needs — Loans, Kulu, Chitty, FD/RD, or Pawn Broker.

Get Started Free Talk to Sales
5
Sub-Modules
NBFC
Chit & Microfinance
Auto
Interest Calculation
Any
Mix of Sub-Modules

Five Sub-Modules, One Platform

Each module handles a specific financial instrument. Use one or combine all of them in a single organisation.

Loan Management
Create loan accounts, disburse amounts, track EMI installments, manage payments, and generate detailed loan statements and overdue reports.
Kulu
Group-based financial management. Track member contributions, manage collection rounds, and settle payouts — with a smart netting algorithm.
Chitty
Run chitty schemes end-to-end — member enrollment, monthly auction/draw handling, foreman commission, and individual member accounts.
FD & RD
Issue fixed deposits and recurring deposit accounts. Auto-calculate interest by tenure and rate, track maturity dates, and generate certificates.
Pawn Broker
Register pledged items with description, weight, and value. Issue pawn loans, track interest accrual, manage redemptions and forfeitures.
Mix & Match
Enable only the sub-modules your business actually uses. No extra clutter.
Active Loans 12 Active
Suresh M. LN-0041
Principal ₹50,000 · EMI ₹4,800
Current
Due Apr 2026
Geetha R. LN-0038
Principal ₹30,000 · EMI ₹3,100
Current
Due Apr 2026
Mani K. LN-0035
Principal ₹1,00,000 · EMI ₹9,200
Overdue
Due Mar 2026
Priya T. LN-0029
Principal ₹25,000 · EMI ₹2,400
Current
Due Apr 2026
LN-0041 — Statement 8 of 24 EMIs paid
Principal₹50,000
Interest Rate12% p.a.
Total Paid₹38,400
Outstanding₹19,200
33% repaid
Loan Management

Track Every Loan, Every EMI

  • Create loan accounts with principal amount, interest rate, tenure, and repayment schedule.
  • Auto-generated EMI schedule — flat rate or reducing balance interest methods supported.
  • Record payments against EMIs — partial payments and prepayments handled correctly.
  • Overdue tracking — instantly see which borrowers have missed payments and by how many days.
  • Loan statements and collection reports — date-wise, borrower-wise, and overdue summaries.
Kulu

Group Finance, Simplified

Kulu is a traditional group-savings instrument — members contribute regularly and the collected pool is distributed by rotation or auction. Vinfoz handles the entire lifecycle digitally.

  • Create Kulu groups with member list, contribution amount, and schedule.
  • Admin generates collection demand and publishes to members — members mark payment, admin confirms.
  • Smart netting — outstanding dues are automatically adjusted against payouts, reducing cash movement.
  • Settlement tracking — clear record of who received the pool and when.
  • Members can view their own collection history via the customer portal.
Kulu Group — Apr 2026
20 Members · ₹2,000/month each
Round 9 of 20
Suresh M.
₹2,000 Paid
Geetha R.
₹2,000 Paid
Mani K.
₹4,000 due (2 months)
₹2,000 Pending
Priya T.
₹2,000 Paid
Kavitha P.
₹2,000 Pending
Settlement — Mani K. (Round 9 Winner)
Pool Amount₹40,000
Outstanding Dues (2 months)− ₹4,000
Net Payout₹36,000
Dues automatically netted — no separate collection needed.
Active Pledges 8 Active
Anbu S. PL-011 Active
Gold Chain 22K · 15g Value ₹42,000 · Loan ₹35,000
Selvi R. PL-009 Active
Gold Earrings 18K · 8g Value ₹18,000 · Loan ₹14,000
Murugan K. PL-007 Overdue
Gold Ring 22K · 6g Value ₹16,800 · Loan ₹13,000
Radha M. PL-005 Active
Silver Anklet · 45g Value ₹3,200 · Loan ₹2,500
PL-011 — Pledge Detail
Item
Gold Chain 22K
Weight
15 grams
Market Value
₹42,000
Loan Amount
₹35,000
Interest (2% / mo)
₹700 / month
Pledge Date
18 Feb 2026
Redeem Forfeit Collect Interest
Pawn Broker

Pledge Management for Gold & Valuables

Built for jewellery shops and NBFCs that offer pawn loans against gold, silver, and other valuables. Every pledge is tracked from registration to redemption or forfeiture.

  • Register pledged items with description, purity, weight, and estimated market value.
  • Issue pawn loan against the pledged item — set loan amount and monthly interest rate.
  • Track interest accrual month-by-month — collect partial or full interest at any time.
  • Redeem: borrower repays loan + interest, item returned. Full transaction recorded.
  • Forfeit: overdue pledges marked as forfeited — item moves to stock with full audit trail.

Fixed & Recurring Deposits

Issue FD and RD accounts to customers, calculate interest automatically, and track maturity dates — all in one place.

  • FD accounts with tenure, interest rate, and compounding frequency.
  • RD accounts with monthly installment tracking and maturity projection.
  • Auto interest calculation — simple or compound interest.
  • Maturity date alerts — know which deposits are coming due.
  • FD/RD certificates printable for customers.

Chitty Management

Run chit fund schemes digitally — from member enrollment and monthly subscriptions to auction handling and foreman commissions.

  • Create chitty schemes with total value, members, and duration.
  • Monthly subscription collection tracking per member.
  • Auction/draw management — record winner and prize amount.
  • Foreman commission automatically deducted from prize amount.
  • Individual member ledger — contributions, prize received, balance.

Who Uses FMS

Built for the financial businesses that keep communities running.

NBFCs
Kulu Groups
Chit Funds
Jewellery Shops
Microfinance
Credit Societies

Finance management software for NBFCs, chit funds, kulu groups and pawn brokers in Kanyakumari · Nagercoil · Marthandam · Colachel · Padmanabhapuram · Thuckalay · Thiruvananthapuram · Attingal · Kollam · Pathanamthitta · Chennai · Coimbatore · Madurai · Salem · Tirunelveli · Trichy · Thoothukudi · Theni · Kochi · Thrissur · Kozhikode · Bangalore · Mysore · Hyderabad & across South India

Ready to Get Started?

Join businesses already running on Vinfoz. Set up in minutes, no technical skills needed.

Get Started Free → Talk to Sales