Every branch, centre and rupee collected, seen the same day
For microfinance institutions, lenders and credit co-operatives. Field collections, portfolio at risk, reconciliation and credit files in one place, with AI agents that spot arrears early and do the paperwork. Your people make every credit decision.
Ring shows today’s collection rate per branch. Sample data.
- Borrowers
- 18,240
- PAR30
- 3.6%
- Centres met
- 58 of 112
Collection day, without the paper
Officers record each repayment on their phone at the centre meeting, even with no signal. The branch sees every centre fill in as receipts sync, and missed or part payments go straight to the follow-up list.
- W. KumariRs. 1,850
- S. FathimaRs. 1,850
- R. SelviRs. 2,400
- N. PereraRs. 1,850
- M. NadarajahRs. 2,400
- K. DilrukshiRs. 1,850
- A. JayanthiRs. 1,850
- T. SharmilaRs. 2,400
- P. MalkanthiRs. 1,850
- H. RizanaRs. 1,850
Portfolio at risk, before it becomes arrears
Arrears ageing for every branch, updated from the field every day. The early-warning agent picks out members whose pattern is changing, so officers can visit while there is still time to help.
- Member 3105-221Paid late two weeks running
- Member 3105-487Paid 60% of the last two instalments
- Member 3105-092Centre attendance dropped from 4 of 4 to 1 of 4
A complete credit file, ready for approval
From registration to the last instalment, every document and decision in one file, and the member kept informed at each step.
- Member registeredDay 1NIC scanned, photo and address captured on the officer’s tablet
- Identity and credit checkDay 1Credit bureau report attached, no other active loans found
- Group and centreDay 3Joined group B of Centre 14, four guarantors signed
- Appraisal preparedDay 4Household income and expenses, business visit notes, repayment capacity Rs. 2,600 a week
- ApprovedDay 5Branch manager approved Rs. 80,000 over 48 weeks
- DisbursedDay 6Sent to the member’s bank account, ledger posted automatically
- RepayingWeek 3131 of 48 weekly instalments paid, all on time
Problems caught early, people decide
Missed instalments, cash gaps, over-borrowing and expiring documents land on one board with the fix already prepared.
Built on your loan system and field data
Heavy transaction volumes from branches, field officers and banks, reconciled by data pipelines every day.
- Loan systemPlonio or your existing core lending system
- Field collections appReceipts recorded at centre meetings, offline
- Bank deposits and transfersStatements and payment confirmations
- Credit bureau reportsFor appraisal and over-borrowing checks
- Accounting ledgerPostings, cash and branch balances
- SMS gatewayReminders, receipts and member messages
- Daily collections boardDue, collected and missed, by centre and branch
- Portfolio at riskPAR, arrears ageing and early warnings
- Daily reconciliationReceipts matched to bank deposits
- Ready-made credit filesFor faster, better-informed approvals
- Member messagesReminders and receipts in three languages
- Board and regulator reportsPrepared from the same numbers, every month
AI agents for your branches and back office
Each agent has one job. Credit decisions stay with your people.
Centre meetings finish and receipts sync from the field.
- 1Totals due, collected and missed for every centre and branch
- 2Builds each officer’s follow-up list for the week
- 3Sends SMS reminders before the next meeting
Decides on visits, rescheduling and write-offs.
Built for regulated lending
People make credit decisions
Agents prepare files, warnings and reminders. Credit officers and managers approve, reschedule and decline.
Member data stays with you
The platform and any AI models can run on your own servers, so borrower data never goes to a public AI service.
A full audit trail
Role-based access, maker-checker approvals and a record of every change, ready for auditors.
Questions lenders ask
Do we have to use Plonio?
No. Plonio is our own microfinance system and a quick way to start. If you already have a loan system, we connect to it and build the collections board, agents and reports on top.
Does the collections app work without signal?
Yes. Officers record repayments offline at centre meetings, and receipts sync to the branch as soon as the phone has coverage.
Does the AI approve loans?
No. It prepares the credit file and flags risk. Every loan is approved, changed or declined by your staff.
Where is member data kept?
On your own servers or a private cloud you control, with encryption, role-based access and a full audit trail.
How do we start?
With a free 30-minute call. We usually start with one branch: daily collections, reconciliation and early warnings.
Have a project in mind?
Tell us what you are building. Our team will get back to you shortly with next steps.