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Collection Management System

Collection Management System

  • Revolutionize Debt Recovery with Arukus CMS

Streamline Your Collections Process

Arukus Collection Management System (CMS) is a robust and efficient solution designed specifically for managing collections from customers who have taken loans from your company. With Arukus CMS, you can streamline your collections process, enhance operational efficiency, and optimize cash flows.

  • Arukus CMS seamlessly integrates with your core banking software, such as FIS, to retrieve the daily demand file of EMls to be collected. This ensures that you have real-time access to accurate and up-to-date collection data

  • The collection data from the demand file is automatically segregated based on centers and groups, and made available in the Collection Agent's mobile app. This enables your agents to efficiently plan and track their collections on a daily basis.

  • Arukus CMS facilitates the collection of regular EMls on a daily basis, according to the demand file. Your agents can easily record and track these collections, ensuring timely and accurate payments

  • In case of national or local holidays coinciding with the EMI date, Arukus CMS allows for advance collection of EMls. This proactive feature helps prevent any potential delays or issues that may arise due to holidays

  • Collections for customers with a delinquency period of less than 90 days are categorized under the Overdue section. Our CMS enables your agents to efficiently handle and track collections for these customers, ensuring prompt payment recovery.

  • Customers with a delinquency period exceeding 90 days, the CMS classifies the collections under the Recovery section. This feature helps agents focus on recovering outstanding payments from customers who have payments from customers who have defaulted for an extended period.

  • Arukus CMS provides a PTP feature that allows agents collect payments based on the promised payment dates provided by the customers. This helps maintain transparency and ensures accurate tracking of collections.

  • Arukus CMS supports the capture of unplanned or ad hoc collections. This feature allows your agents to record and manage any additional payments made by customers outside of their regular EMI schedules
Streamline Your Collections Process

Efficiently Manage Collections

Arukus Collection Management System empowers your organization to efficiently manage collections, enhance customer satisfaction, and improve financial operations. Experience the power of Arukus CMS and take control of your collections process today

Efficiently Manage Collections

  • Arukus CMS enables your agents to collect EM ls through various payment modes, including cash, debit/credit cards, UPI, Aadhar, and WhatsApp payments. This flexibility ensures a convenient and seamless payment experience for your customers

  • For daily and advance collections, Arukus CMS includes a customer attendance system, allowing agents to record and track customer visits. This feature provides insights into agent-customer interactions and helps ensure accurate record-keeping

  • In the event of a customer providing an incorrect or insufficient payment, Arukus CMS incorporates a Root Cause Analysis (RCA) process. This allows agents to investigate and determine the reasons behind such occurrences,

  • Arukus CMS allows agents to capture group images and CAR (Customer Authorization Form) images. This feature enhances data accuracy, provides visual documentation, and supports compliance requirements

  • Agents can conveniently record and submit cash denominations through Arukus CMS. This feature ensures transparency in cash handling and facilitates accurate accounting.

  • When agents submit collection amounts, Arukus CMS captures the live location data. This functionality enhances security, facilitates verification, and enables better monitoring of collection activities

  • With the exception of ad hoc collections, Arukus CMS offers an offline payment collection capture feature. This ensures uninterrupted collection activities even in areas with limited or no internet connectivity

How a Technology-Enabled Collection Management System enables MFI & NBFCs to Maximize their Collections


In the realm of Microfinance Institutions (MFI) and Non-Banking Financial Companies (NBFCs), efficient collections management is essential for ensuring financial stability and sustainable growth. Embracing a technology-enabled Collection Management System can revolutionize the collections process, empowering MFIs and NBFCs to optimize operations, enhance customer experience, and drive financial success. Let’s explore how Arukus Technologies Collection Management System caters to crucial aspects of making the collections process efficient:

1. Integration with Core Banking System: A robust Collection Management System integrates seamlessly with the core banking system, enabling real-time data sync. This integration empowers MFIs and NBFCs to fetch collections data effortlessly, allowing them to stay updated on loan recovery statuses and customer payment histories.


2. Mobile App for Agents: A dedicated mobile app equips field agents with powerful tools to efficiently manage collections on the go. Agents can plan and track advance, daily, and weekly collections, including overdue payments and recoveries, through the user-friendly app interface.


3. Customer Visit Tracking with Image Capture: The Collection Management System enables agents to record and track customer visits efficiently. The app’s image capture facility allows agents to attach relevant documents, photos, or proofs during customer interactions, ensuring accurate and transparent record-keeping.


4. Multiple Payment Modes for Customers: To enhance customer convenience and encourage timely payments, the Collection Management System offers multiple payment modes. Customers can choose their preferred payment method, such as cash, mobile payments, or electronic transfers, for hassle-free transactions.


5. Root Cause Analysis for Non-Payments: Non-payments or partial payments can be concerning for MFIs and NBFCs. The system is designed to aid in root cause analysis, providing valuable insights into the reasons behind customer payment issues. Armed with this information, institutions can develop targeted strategies to address the root causes and improve collections.


6. Live Location Capture: During payment collections, live location capture adds an extra layer of security and transparency. The Arukus Collection Management System allows real-time location tracking, ensuring that payments are received from the correct customer and location.


7. Offline Data Recording: Arukus Collection Management System is designed to function seamlessly even in areas with limited or no internet connectivity. Agents can record and update collection data offline, and once connectivity is restored, the system syncs the data with the central database.



A technology-enabled system empowers MFIs and NBFCs to transform their collections process, making it more efficient, transparent, and customer-centric. Integration with the core banking system ensures real-time data availability, while the mobile app equips agents with powerful tools to track collections and record customer visits. Offering multiple payment modes enhances customer convenience, and root cause analysis enables institutions to tackle non-payments proactively. With live location capture and offline data recording, the system ensures security and continuity in collections, even in areas with limited connectivity. Embracing such a technology-driven approach, MFIs and NBFCs can drive better collections performance, establish customer trust, and achieve financial prosperity in an increasingly competitive landscape.

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