Pick a group, see exactly what each member owes today, take the payment, print the receipt, and let the system apply every rupee to the right instalment.
Last updated 2 November 2026 · CK Tech Solutions, Anna Nagar, Chennai
Short answer: In CK Tech microfinance software the field agent opens a group's collection sheet, which shows for every active loan the amount to collect, the arrears, the number of overdue instalments and the amount payable now. A payment defaults to what is payable, can never exceed the outstanding balance, is applied to the oldest unpaid instalment, and produces a receipt. Receipt and due-date messages can be sent by SMS and WhatsApp.
| Collection sheet | Per group: amount to collect, arrears, overdue count, payable now |
|---|---|
| Payment rules | Defaults to the payable amount; never above the outstanding balance; oldest instalment first |
| Also supported | Part payments, arrears, advances, receipts, cancellation, loan closing |
| Download the collection list as a PDF | |
| Messages | Receipts and due reminders by SMS and WhatsApp |
| Connection | Needs an internet connection while collecting |
For a chosen group, every active loan is listed with the figures an agent needs at the door.
Instalments due up to today that are still unpaid.
What was due before today and how many instalments that is.
The amount the Pay button collects by default. Before an instalment is due, it is the next EMI as an advance.
A switch to show only groups whose collection day is today.
The same rules apply to every collection, whoever enters it.
The payment is applied to the oldest unpaid instalment, so arrears clear before advances build up.
The amount cannot exceed the outstanding balance, and a repeated tap does not record the payment twice.
The collecting user is recorded from the login, not typed in.
Each payment gets a receipt number, and a payment entered by mistake can be cancelled.
When the balance reaches zero the loan can be closed.
Receipt and due-date messages can be sent to borrowers by SMS and WhatsApp, so members get proof of payment and a reminder before the collection day.
The collection screens switch from a table to cards on small screens, so an agent can work from a phone browser. The software runs online, so a connection is needed while collecting.
Related: Microfinance Software · Settlement and cash reconciliation · Loan scheme and EMI · MIS reports: DCB and PAR
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