Samit Shetty
Director @ Chaitanya India Fin Credit Pvt. Ltd.
For many years, technology had been a barrier to our rapid expansion plans. With Finflux, technology is now our primary business accelerator.
What types of education loans can be managed on M2P’s Loan Management System ?
The platform supports a broad range of loan types, including immediate EMI loans, interest-only loans, principal plus moratorium loans, part-interest repayment loans, and compounded interest loans. It also accommodates co-applicant structures, moratorium periods during the study phase, and loans tailored for both domestic and international education.
How does the Loan Management System handle moratorium periods?
The system enables interest-only billing, partial interest moratoriums, and complete moratoriums during the study tenure.
Can the Loan Management System differentiate between domestic and international education loan workflows?
Yes, institutions can configure loan workflows based on geography, enabling differentiated documentation, disbursal modes, and interest terms for students studying in India or abroad.
Are multiple interest rate regimes supported?
The Education Loan Management System supports fixed, floating, and hybrid interest models, allowing lenders to offer products with varying rate structures based on borrower profiles, courses, or institutions.
Is it possible to customize and deploy loan products with ease?
Loan product templates can be created, updated, and launched quickly through a central configuration engine—enabling teams to go to market faster with tailored offerings.
What capabilities does the platform offer for loan servicing?
M2P’s Loan Management System delivers granular servicing features, including EMI scheduling, moratorium tracking, interest recalculations, and automated customer notifications across the loan lifecycle. Additionally, the system supports diverse repayment types such as part-payment, payment of only interest accrued, rescheduling, restructuring, etc.
Does the system support multi-party disbursal?
Yes, disbursals can be configured to route funds directly to educational institutions, students, or third-party vendors, based on predefined rules or documentation flows.
Is the platform scalable for high-volume lending operations?
The Loan Management System is built for scale and can handle large volumes of education loan accounts across multiple institutions, locations, and product variants—without compromising on performance or reliability.
What controls are available for risk and compliance?
Institutions can configure rule-based validations, audit trails, and borrower-level checks, ensuring adherence to regulatory norms and internal credit policies throughout the lending process.
Can the platform integrate with aggregators or EdTech ecosystems?
The Loan Management System is API-native, making it easy to integrate with student loan aggregators, educational institutions, or EdTech partners for end-to-end digital lending journeys.
Who should consider implementing this Education Loan Management System ?
- This solution is ideal for:
- Banks and NBFCs offering education-focused lending products
- Fintechs serving the student loan market
- Institutions seeking to digitize and scale their education loan operations
