3. Empower Informed Decisions: Data-Driven NBFC Software for Smarter Lending

Non-Banking Financial Companies (NBFCs) are the backbone of the Indian financial services. They are great enablers of financial inclusion as they support the growth aspirations of industries and people even in the remote corners of the country. FiNSTA, a flagship product of Kapil IT, is a cutting-edge NBFC software that helps NBFCs to minimize their operational risks and achieve optimal efficiency.

1. ©Kapilit Disclosure not permitted
PRODUCT OVERVIEW
A unifying solution you always imagined

2. ©Kapilit Disclosure not permitted
WE ARE KAPIL GROUP
Kapil IT is asubsidiaryof Kapil group, a diversified group with interests ranging from Finance
to Information Technology, Media and Real Estate.
1981
Foundation
24+
Different
Businesses
400+
Offices
2k
Partners
16k+
Employees
50+
Countries -
global spread
40
Companies
kapilgroup.com

3. ©Kapilit Disclosure not permitted
KAPIL IT -AN OVERVIEW
Head Quarters in
Wyoming, USA.
Our offshore delivery centers in
Hyderabad,
India & Jakarta,
Indonesia
Dedicated
Experienced Team
State-of-the-art
Delivery Centres
World Class
Infrastructure
A Wide Spectrum Of
Skills & Experience
Business
savvy
Comprehensive project
management
We Are FUN To
Work With
Committed to
Quality
Security is
Paramount
One Stop
Shop
High Touch
Communication
Research and
analysis
Focus on creativity
and Innovation
Value Client needs
and culture
Flexibility for effective and
efficient execution
Deep Industry
Expertise
No geek speak

4. ©Kapilit Disclosure not permitted
WE TALK NUMBERS
2k+
certified IT professionals
460
Happy Customers
3k+
seating capacity
97.1%
Customer retention
100%
Satisfaction Guaranteed
8+
Avg. employee experience
4.9/5
Client Rating
24x7
Availability
12+
Yrsindustry experience

5. ©Kapilit Disclosure not permitted
BANKING
Change to a modern way
of doing business digitally
LENDING
Make Lending management
more profitable with Finsta
LOAN PORTFOLIO
Diversified Loan
portfolios in Finsta
WHAT DOES FINSTA OFFER?
The most comprehensive banking and lending software
Finstahelps banking and non-banking ecosystem solve challenges through end to end digitisation
Key
Modules

6. ©Kapilit Disclosure not permitted
LENDING MANAGEMENT
Designed for diverse industries
BANKING LENDING LOAN PORTFOLIO
LEAD
GENERATION
Every lead lost is business lost, say
goodbye to the cumbersome process of
recording, managing, assigning lead
data, start simplifying lead generation
and management with Finsta
Loan Origination
(FI)
With Finstaloan application, lending
process, approvals to disbursement
of a loan to an applicant has been
carefully designed to increase the
lending pace faster
Loan
Verifications
Verifying loan applicants with multiple
agents or agencies with centralised
data. Bring in real-time data to the table
and make the entire verification process
a breeze with Finsta
Multi-stage Loan
Approval
Get more granular control with Finsta
while doing a multi-stage loan approval as
the robust notifications will take care of
the heavy lifting of getting approvals
from multiple people
Loan Disbursement
Schedule
The handiest document to help
customers plan the payment of loan
schedule is now readily available to
customers in real-time

7. ©Kapilit Disclosure not permitted
Designed for diverse industries
LENDING MANAGEMENT
Collections
Managing collections or pursuing
payments of debts either by the
organisation or third-party agency will
no longer be a monument of a task as
everything will be made easy with Finsta
Business Analytics
Get practical insights that focus on
providing actionable
recommendations and deep dive
into business information that helps
you to take strategic decisions
Statutory
Compliance
Operate your entire business with
confidence and relevant statutory
compliance and legal frameworks in a
secure way
NPA & Risk Reports
Identify risks earlier and
mitigate NPA with in-
depth analysis and
reports
BANKING LENDING LOAN PORTFOLIO

8. ©Kapilit Disclosure not permitted
LOAN PORTFOLIO
Designed for diverse loan products
BANKING LENDING LOAN PORTFOLIO
Personal
Loan
Auto (All
vehicles) Loan
Education
Loan
Mortgage
Loan
Gold Loan
Consumer
Loan
Start providing
personal loan
products with
extreme
customisation
Offer any auto
or vehicle loans
with an easy
process
Provide education
loans at faster
turnaround time
with a simplified
process
Offer secured loans
by keeping
immovable asset as
a mortgage with
the lender
Offer instant
secured gold
loans against
gold jewellery
Offer customers to buy
household goods and
appliances and even
personal devices with
quick disbursal
consumer loans

9. ©Kapilit Disclosure not permitted
LOAN PORTFOLIO
Designed for diverse loan products
BANKING LENDING LOAN PORTFOLIO
Loan
Against
Property
Loan Against
Deposits
Home
Loan
Join liability
group (JLG
loans)
Harvest
(Crop) Loan
Term Loans
provide loans (LAP)
by taking commercial
or residential
property as collateral
Offer a secure loan
where customers
can pledge their
fixed deposit as
security and get a
loan in return
Offer secure
home loans to
consumers with
various features
and interest rate
Provide
institutional loans
to small farmers or
informal group
comprising of 4-10
individuals
Provide harvest
loans to the
farming
community
Provide term loan to
be repaid in regular
payments over a set a
period of time

10. ©Kapilit Disclosure not permitted
Collection Reports
•Loan Wise Dues
•Loan Wise Dues Summary
•ShortTerm Status
•EMI & PDC Pending
•Collection Details
•Collection Summary
•Branch Wise Collection
•Trim Collection
•Executive Wise Closed Loans
•Collection Target
•Business Executive Dues
•Mobile App Collection
Notices And Letters
•Dues Reminder Letter
•Seizure Letter 1
•Seizure Letter 2
•Posting Letters
•Legal Notice
•Hypothecation
Release Letter
COLLECTION MANAGEMENT SYSTEM
FinancialMasters
•SubCategory
•Bank Information
•Cheque Management
•Referral Master
•Dealer Incentive Master
•Employee Information
•Trim Allocation
•Trim Password Changes
•Service CenterSetup
CM
MIS
CORE
MODULESFAM
LMS
DM
CMS
Consolidated ReportsStatutory Reports
•Gstreports
•CIC reports
•Cosmos reports
•Cumulative Dash boards
•Trial Balance
Comparision TB
Schedule TB
•ProfitAnd Loss
•Balance Sheet
MIS Reports
Transactions
•Approval
Reports
•Executive Wise Loan Details
•Loans Sanctioned Report
CREDIT EVALUATION &
LOAN MANAGEMENT
Financial Transactions
•General Receipt
•Payment Voucher Journal
Voucher Bank
•Entries Cheques On Hand
Cheques In Bank Cheques Issued
•Processing Charges Receipt Loan
Disbursal
•EMI Receipt Pre-Closure
•Short Term Loan Receipt Mobile
Number Update SMS Intimation
•Referral Process Vehicle Seized
•Assign Collection Executive Trim
Receipts
Financial Reports
•Account Ledger
•Bank Book
•BRS
•BRS Statements
•Cash Transactions
•Cheque Cancel
•Cheque Enquiry
•Cheque Returns
•Day Book
•DuplicateAdvises
•DuplicateVoucher
•Issued Cheques
•Ledger Summary
•JV List
•Repayment Type
•Invoice Status
•Vehicle Seizure Status
•Account Statement
FINANCIAL ACCOUNTING
Document Transactions
•Security Cheques Entry
•Additional Information
Online DO
•Online DO Cancellation
Document Reports
•Finance Documents
•Security Cheques Report
•Duplicate Online DO
•DO Status Report
•Un Used DO List
DOCUMENT MANAGEMENT SYSTEM
•All Disbursed Loans
•Cheque Bounced
•CIC Report
•Trial Balance
•Schedule TB
•Balance Sheet
•Profit And Loss
•LTV Report
•Risk Analysis
•Loan Disbursed & Closed
•Accrued Interest On Loans
•Completed Loans Dues
•Monthly Loan Wise Dues Report
•Assert Classification Report
•Referral Commission Report
•Movement Seized Vehicles
•Insurance Coverage Report
•Consumer Loan Dues Summary
MIS AND ANALYTICALS
Client Trasactions
•Application Form
•Applicant Details
•Co-Applicant Details
•Guarantor Details
•Personal Versification
•Tele Verification
Client Reports
•Do Enquiry
•Do Enquiry Report
•Applicant Search
•Loan Account Summary
•Executive Wise Loan Details
CLIENT
MANAGEMENT
FiNSTACORE MODULES

11. ©Kapilit Disclosure not permitted
FiNSTAADD-ON MODULES
POINT OF SALE
SM HRMS
PI
IA
LTMS
POS
ADD-ON
MODULES
SHARE HOLDER MANAGEMENT
HUMAN RESOURCE
MANAGEMENT SYSTEM
LEAD TRADING MANAGEMENT SYSTEM
INTERNAL AUDIT
PORTAL INTEGRATION

12. ©Kapilit Disclosure not permitted
WHY FINSTA?
Making Banking Better, Together
Finstaunlocks process efficiency and cost savings while streamlining operations with a new-age system that’s perfect,
reliable, and scalable.
In-depth
accounting
Audit
controls
Streamline
workflow
Data security
and compliance
Highly
configurable
Process
driven

13. ©Kapilit Disclosure not permitted
Non-Deposit taking Non-
Banking Financial
Company (NBFC-ND)01
Microfinance
Organizations02
Nidhicompanies03
Small Banks04
Deposit-taking Non-
Banking Financial
Company [NBFC-D]05
Producer companies06
Cooperative Banks07
Credit Cooperative
Societies / Mutually Aided
Cooperative Societies08
DCCB (District Credit
Cooperative Bank)09
RRB's (Regional
Rural Banks)10
Credit Unions, PACS
(Primary Agricultural
Credit Societies)11
FINSTA IS DESIGNED FOR YOUR BUSINESS

14. ©Kapilit Disclosure not permitted
GET READY FOR DIGITAL TRANSFORMATION?
Quickly scale business while reducing intensive business operations
SEE MEANINGFUL DATA
Get practical insights that focus on
providing actionable
recommendations and deep dive
into business information that helps
you to take strategic decisions
DELIGHT CUSTOMERS
Transform your banking
business with the State-of-art
technology and delight
customers 24/7
LAUNCH NEW PRODUCTS
QUICKLY
When new trends emerge, you can
quickly tap into the opportunities
by launching new products in a
short period

15. ©Kapilit Disclosure not permitted
VALUE PROPOSITION
01 02 03 04
ATTRIBUTES
❖Investments in new
FinTechand service
offerings
❖Integrated and broad
suite of service and
solutions
RELATIONSHIP
❖Innovation eco-system
coupled with
partnership and alliances
❖Deep and Lasting Client
Relationship
IMAGE
❖Rapid reskilling and
refactoring of workforce
❖Create a proactive
reputational risk
management and
mitigation plan
ETHICS
❖Strong governance
credentials with wide
shareholder base
❖Localization strategy
across geographies

16. ©Kapilit Disclosure not permitted
T H A N K S F O R W A T C H I N G
www.kapilit.com finsta.in