🏦 Shronix Microfinance

Company & Branches

• Pick your type: Company / NBFC, Society / Trust / NGO, Cooperative / Nidhi, SHG Federation
• Pick how you lend: Individual + Group, Individual only, or Group only (JLG / SHG) — sample plans are made for you
• Multiple companies on one computer, financial-year wise books
• Company profile with logo, address, GSTIN, PAN, CIN — printed on every receipt, report and letter
• Multiple branches (Head Office + branches) with branch-wise numbering and reports
• Country, currency, date format and financial year set automatically

Members (Borrowers)

• Full member profile — personal, family, address, occupation, income, nominee, bank details
• KYC: Aadhaar (masked on screen), PAN, photo, signature and document attachments (JPG / PNG / PDF)
• Duplicate-Aadhaar warning, age check, member status (Active / Inactive / Blocked with reason)
• Custom fields, branch and agent per member, member-wise search and filters
• Import members from Excel

Groups — JLG / SHG

• Create Joint Liability Groups and Self Help Groups with leader and members
• Leader history, meeting day / frequency and group-meeting records
• One group-loan application for all members together

Loan Products (Schemes)

• Unlimited loan products — Business, JLG Group, Personal and more
• Interest method: Flat or Reducing balance
• Repayment frequency: Daily, Weekly, Fortnightly, Monthly, Quarterly
• Min / max / default amount, tenure and rate; processing, insurance and other fees (fixed or %)
• Penalty rules (fixed per late installment, or a percentage)
• Guarantor and share-holding requirements per product

Loan Life-Cycle

• Application → approval (maker-checker, multi-level with limits) → sanction → disbursement
• Reject / send back / cancel with reason; disburse by cash, bank or pending payment
• Repayment schedule (EMI chart) made automatically, plus a Loan Calculator for customers
• Part payment (with re-scheduling), foreclosure, settlement, write-off and recovery after write-off
• Restructure / rate change and penalty waiver (with permission limits)
• Advance payments adjusted automatically against the next installments
• Import opening loans from Excel when moving from old software or registers

Collection

• Counter collection with automatic split: penalty, fees, interest, principal, advance
• Group Collection Sheet — collect a whole group’s installments in one screen
• Receipt print in A5 and 80mm thermal, with QR code; duplicate receipt print
• Receipt reversal / undo with full accounting correction
• Due list (today / overdue), collection by agent
• Online installment payment by Paytm, Razorpay and Cashfree (UPI QR)

Field Agent App (Android)

• The agent sees his own due list, loans and groups on the phone
• Collect installments in the field; group collection sheet on the phone
• Online payment by UPI QR on the phone (Paytm / Razorpay / Cashfree)
• Field-visit and promise-to-pay entry; the agent’s own commission card
• Connects to the computer by scanning a QR — data synced through your own free Firebase
• Rights per agent (collection, visits, online payment)

Agent Commission

• Commission rules on disbursement, collection or interest
• Automatic reversal / clawback if a receipt is reversed
• Commission payout with an accounting voucher, plus an agent-wise commission report

Recovery & NPA

• Automatic loan classification: Standard, SMA-0 / 1 / 2, NPA (days past due)
• Overdue ageing (DPD buckets) and a month-end NPA snapshot
• Demand notice, final notice and legal notice — print and WhatsApp
• Notice history, field visits and promise-to-pay tracking

Share Capital

• Share purchase, transfer and withdrawal for members
• Share certificate print (PDF)
• Share register and a members-without-shares report

Letters & Documents

• Sanction letter, rejection letter, No Due Certificate, reminders and notices
• English and Hindi templates — editable, with your company letterhead
• Print or save as PDF

Automatic WhatsApp & Email

• Welcome, application received, sanctioned / not approved, disbursed, installment received, loan closed
• Reminder before due date, due today, overdue; promise-to-pay reminder and notices
• Share-issued message, member birthday wishes; each message can be switched on / off
• Message log with Sent / Queued / Failed status and retry — no browser needed
• Email too (Gmail, Outlook, Zoho, Hostinger or your own mail server)

Accounting (Double Entry)

• Interest income and penalty accrued automatically at month end
• Receipt, Payment, Journal, Contra and Expense vouchers
• Ledgers and groups, parties, cost centres (branch / area-wise profit)
• Bank reconciliation, cheque register, post-dated cheques, multi-currency, payment modes
• Period lock, financial-year close and new-year auto-creation

Reports

• Demand vs Collection (DCB), Collection Register, Agent-wise Collection, Disbursement Register
• Overdue Ageing (DPD), SMA / NPA Report and month-end snapshot
• Portfolio & PAR — product / branch / agent wise, Loan Outstanding, Loan Statement, Maturing Loans
• Penalty Register & Waiver, Closed / Foreclosed / Settled / Written-off, KYC Pending, Members without Shares
• Day Book, Cash / Bank Book, Ledger, Trial Balance, P&L, Balance Sheet, Cash Flow, Funds Flow, Ratio Analysis
• Export every report to PDF, Excel, Word, CSV and HTML, or print directly

Dashboard

• Today’s collection, due, overdue, disbursement, portfolio outstanding, PAR and NPA at a glance
• Monthly disbursement vs collection chart

Website for Your MFI

• Ready website — loan schemes, EMI calculator, “Apply for loan” form, grievance / fair-practice page
• Loan enquiries from the website arrive in the software (Web Enquiries)
• Convert an enquiry to a member and a loan application in one click

Users & Security

• Multiple users with roles and rights (Admin, Manager, Cashier, Field Agent …)
• Special permissions — view full Aadhaar, approval limits, penalty-waiver limits
• Audit trail of every change
• Backup and restore, automatic backup reminders
• One main computer at a time; hand over to another computer through your own Firebase copy

33 Languages

• English, Hindi, Gujarati, Marathi, Bengali, Tamil, Telugu, Kannada, Malayalam, Punjabi, Odia, Urdu, Nepali and 20 more
• Choose country and language at first start — every screen shows in your language
• Right-to-left layout for Arabic, Urdu and Persian; names and data saved exactly as you type

System Requirements

• Windows 10 or Windows 11, 64-bit
• 4 GB RAM (8 GB recommended), about 1 GB free disk space
• Internet only for WhatsApp, email, mobile-app sync, online payments and licence check
• Field-agent app “Shronix Microfinance Agent”: Android 7 or newer
• Printer: any A4 / A5 printer, or an 80mm thermal printer for receipts
• Your data stays on your own computer

How to Install

1. Download and unzip the setup file.
2. Run Setup. If Windows shows “Windows protected your PC”, click More info → Run anyway.
3. Click Next → Install → Finish.
4. Open Shronix Microfinance, set your Admin login, and create your company.
5. Pick your organisation type and how you lend — sample loan plans are made for you.
6. Enter your licence key when you are ready to add more members and collections.