Set up branches and groups, give each group a collection day and a field agent, record the CGT and GRT dates, and lend to the members of the group from one system.
Last updated 2 November 2026 · CK Tech Solutions, Anna Nagar, Chennai
Short answer: CK Tech microfinance software manages group lending from branch to repayment. Each group has a collection day, a collection agent, CGT 1 to 3 dates and a GRT date. A loan can be created only when the member belongs to the group, the member's KYC is verified, the CGT and GRT dates are recorded and the member has no other active loan.
| Built for | Group lending that field agents collect in person |
|---|---|
| Group record | Branch, collection day, collection agent, CGT 1 to 3 dates, GRT date |
| Loan checks | Member in the group, KYC verified, CGT and GRT recorded, one active loan per customer |
| Field agents | See and collect only the groups assigned to them |
| Works on | Any web browser; tables switch to cards on small screens |
Each group is a master record, so the same information is used everywhere the group appears: loan setup, collection sheets, settlement and reports.
Every group belongs to a branch, and its loans carry the same branch.
The weekday the group pays. The first instalment date and the "today's groups" view both follow it.
The field agent who collects from the group and later hands the cash over for settlement.
The dates of the three Compulsory Group Training sessions held before the first loan.
The date of the Group Recognition Test, the final check before lending starts.
Customers are added to the group, and a loan is set up for each member from the group's loan overview.
The rules are enforced by the system, not left to the person entering the loan, so a loan that breaks them cannot be saved.
The customer must belong to the group the loan is created for.
The customer's KYC status must be Verified.
The group must have CGT 1 to 3 and the GRT date filled in.
A customer can have only one active loan at a time.
The chosen scheme needs a valid term and EMI amount.
A user who is the collection agent of a group sees and collects only that group. The collections page also has a "today's groups" switch that lists the groups whose collection day is today, so an agent starts the day with the right list.
Related: Microfinance Software · Loan scheme and EMI · Customer KYC and onboarding · Collection management
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