Track Credit · Collect On Time Grow Your Business
Smart CRM for dealers & distributors to manage supply credit, recover dues on time, and track business growth effortlessly.
LIVE PORTAL
Portfolio & Collections Overview
Active Credits
128
Collection Eff.
93.4%
Defaults
7
Designed for CPs managing real-world lending portfolios.
Get your dashboard →What exactly does NidhiRaksha do?
NidhiRaksha is a finance CRM built for Credit Partners dealing in supply credit/udhaar. It connects customer onboarding, credits, collections, defaults and reporting — so your financial operations stay organized, secure and easy to track.
Customer Management
Aadhaar-based customer identity, multiple credit profiles, contact history and address details — all stored in one clean ledger.
Credits & Payments
Issue structured or flexible credits. Add due dates, receive payments, generate receipts automatically and track outstanding amounts.
Defaults & Recovery
Automatic default detection, call-to-collect reminders, due notes and complete recovery history with statuses.
Built around the real lending workflow.
From onboarding to closure, NidhiRaksha replaces offline registers, Excel sheets and WhatsApp chats with a unified system built for lending collections.
Onboard a customer
Add Aadhaar & basic KYC once. Customers can have multiple credits across branches and CPs — no duplicate data.
Create structured or flexible credits
Choose structured (installments auto-generated) or flexible (single commitment date). Track interest, due amounts & payment history.
Collect payments & track reports
Call from within CRM, mark collections, generate receipts and monitor growth, efficiency & risk across the entire portfolio.
Clean dashboards
Portfolio view, upcoming dues, at-risk customers, and activity streams at a glance for every CP.
Advanced reports
Collection trends, credit mix, risk analysis, growth and forecast powered by Chart.js and your finance data.
Secure architecture
Laravel 12, role-based access, and a hardened multi-tenant schema built for serious CP portfolios.
Mobile-first experience
Optimized layouts for CPs working on laptops, tablets or phones – dashboards that feel at home in the field.
Powerful reporting & risk engine out of the box.
Portfolio analytics, collection efficiency, risk score and recovery trends — all packed in one live dashboard, built for Credit Partners who want control over their money.
- Track structured vs flexible collections over time
- Monitor collection efficiency & growth forecasts
- Identify defaults and high-risk customers instantly
- Export clean Excel/PDF files for audit & reporting
Reports
Portfolio · Collection · Risk · GrowthCollection (30d)
₹ 18.6L
Efficiency
93.4%
At-Risk
14
Data-backed decisions for your lending business.
No spreadsheets.Simple, CP-friendly pricing.
Start with a single Credit Partner and expand as your lending operations scale. Plans will fit your use case — transparent and pay-as-you-grow.
Starter
Individual CPs
Ideal for individual Credit Partners starting to digitize their workflows.
- • Customer & credit management
- • Basic dashboards
- • PDF receipts & certificates
Most Popular
Professional
For CPs managing a growing loan book, with multiple branches and staff.
- • Full Reports module
- • Risk & default analytics
- • Advanced dashboards
Enterprise
Larger Networks
For organizations with multiple CPs, branches, and higher compliance needs.
- • Custom workflows
- • Extended analytics
- • Priority support
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Frequently asked questions
A few answers to common questions from Credit Partners evaluating NidhiRaksha.
Ready to see your finance operations in one place?