What is LMS vs NACH reconciliation?

LMS vs NACH reconciliation is the process of comparing repayment or collection records from a loan management system with NACH presentation, success, bounce, mandate, charge, and reversal reports to identify matched collections, missing LMS records, missing NACH records, failed debits, bounce differences, charge differences, and open items.

What files are required?

The main files are usually the LMS repayment or collection report and NACH success, presentation, or bounce reports. Depending on the workflow, EMI schedule reports, mandate master files, borrower master files, bank statements, charges files, reversal reports, ERP exports, or supporting data files may also be used.

Can Cointab identify NACH successful debits missing from the LMS?

Yes. Cointab can show successful NACH debit transactions that do not clearly match LMS repayment records.

Can Cointab identify LMS repayments missing from NACH reports?

Yes. LMS repayment records that do not clearly match NACH presentation, success, or bounce reports can be shown separately for review.

Can Cointab identify EMIs due but not presented through NACH?

Yes. EMI schedule data can be compared with NACH presentation files to identify due EMIs that were not presented for debit.

Can Cointab identify NACH debits that bounced?

Yes. Bounce, failed, rejected, returned, pending, retried, and reversed NACH statuses can be compared where the required data is available.

Can Cointab reconcile UMRNs and mandate IDs?

Yes. Cointab can match mandate IDs, UMRNs, borrower bank account details, mandate status, and NACH debit records where the data is available.

Can Cointab identify LMS marked paid but NACH failed?

Yes. Cointab can compare LMS repayment status with NACH debit status to identify cases where LMS shows paid but NACH shows failed, bounced, returned, or pending.

Can Cointab identify NACH successful but LMS not updated?

Yes. Successful NACH debits can be flagged where the LMS still shows unpaid, overdue, pending, or partially paid.

Can Cointab handle NACH retries?

Yes. Retried NACH debits can be included and linked with original failed attempts, new presentation records, final debit status, and LMS updates where data is available.

Can Cointab reconcile bounce charges?

Yes. NACH bounce charges, return charges, late payment penalties, taxes, and collection charges can be compared where the data is available.

Can Cointab compare NACH collections with bank credits?

Yes. Bank statements can be added to trace successful NACH collections to actual bank statement credits.

Can I reuse this reconciliation every due cycle or month?

Yes. Once this template is selected and the workflow is used, the same setup can be reused for daily, weekly, monthly, due-cycle, presentation-cycle, collection-cycle, or custom reconciliation periods.

Can this run automatically?

Yes. Once configured, Cointab can receive or pull required reports through email, SFTP, or APIs where available, run reconciliation automatically, and push output back to downstream systems.

What if my LMS or NACH report format is different?

Cointab validates uploaded files against the expected format. If the file format is different, users can correct the file, update the workflow, or create a custom reconciliation.

Can AI help with LMS and NACH reconciliation?

Yes. AI can help match difficult open records, review messy references, analyze bounce reasons, create derived columns, and suggest possible reasons and next actions.

Can I manually match LMS and NACH records?

Yes. Users can manually match records that the system and AI could not confidently match, and undo manual matches if needed.

Can I download the LMS and NACH reconciliation report?

Yes. Users can download Excel reports with fully matched, partially matched, bounced, unmatched, skipped, borrower-level, loan-level, mandate-level, NACH-level, and transaction-level details.

Popular reconciliation template

LMS vs NACH Reconciliation

Reconcile loan management system records with NACH reports to match EMI collections, mandate debits, successful auto-debits, failed transactions, bounces, rejections, reversals, charges, and open items in one structured workflow.

Upload the required LMS repayment and NACH reports, select the period, run reconciliation, and review fully matched, partially matched, unmatched, bounced, and skipped records.

Start this reconciliation Schedule guided setup

View demo report

Ready-made workflow · Reusable every period · Manual upload or automated data flow

LMS Repayment / EMI Schedule Report

NACH Presentation Report

NACH Success / Bounce Report

Bank / Charges / Reversal Data

Cointab LMS-NACH Reconciliation

MatchedPartially MatchedBouncedUnmatchedSkipped

Reconcile LMS repayment records with NACH debit results

Loan management systems and NACH reports often show the same EMI collection activity with different mandate references, presentation dates, settlement dates, bounce reasons, borrower identifiers, and repayment statuses. Cointab helps bring these differences into a clear reconciliation report.

The LMS vs NACH Reconciliation template helps lending, fintech, NBFC, banking, and finance teams compare borrower repayment records from the loan management system with NACH presentation, success, failure, and bounce reports.

This helps teams answer questions such as:

Which LMS repayment records were successfully collected through NACH?
Which NACH successful debits are missing from the LMS?
Which LMS EMIs were presented through NACH but failed or bounced?
Which LMS repayment records do not have matching NACH presentation or success records?
Which NACH transactions failed because of insufficient funds, mandate failure, account issue, bank rejection, or technical reasons?
Which borrower payments were collected through NACH but not updated in the loan management system?
Which bounce charges, penalties, reversals, retries, or adjustments explain the difference?
Which items need NACH follow-up, LMS correction, borrower follow-up, collection team review, finance review, or internal approval?

This template is useful for NBFCs, fintech lenders, digital lending platforms, banks, microfinance companies, loan aggregators, collection teams, finance teams, controllers, CFOs, and accounting firms that need a repeatable LMS-to-NACH reconciliation process.

Required files for this template

Cointab's ready-made workflow is designed around common LMS repayment reports, EMI schedules, NACH presentation files, NACH success reports, bounce reports, mandate files, bank statements, ERP exports, and supporting files used for lending reconciliation.

Data source	Example records
LMS Repayment / Collection Report	Used as the internal source-of-truth report containing loan IDs, borrower IDs, repayment IDs, EMI IDs, due dates, collection dates, collection amounts, principal, interest, penalties, charges, repayment status, and collection mode.
EMI Schedule Report	Used to compare scheduled EMI dues with NACH presentation records, expected debit amounts, due dates, installment numbers, outstanding amounts, and borrower repayment status.
NACH Presentation Report	Used as the NACH-side report containing mandate IDs, UMRNs, presentation dates, debit amounts, borrower bank details, sponsor bank details, loan references, and transaction references.
NACH Success / Debit Confirmation Report	Used to compare successful auto-debit transactions with LMS repayment records, NACH references, UMRNs, settlement dates, debit amounts, and collection status.
NACH Bounce / Failure Report	Used to identify failed or rejected NACH transactions with bounce reasons, failure codes, rejection dates, mandate issues, insufficient funds, account closed cases, and retry status.
Mandate Master / Registration Report	Optional, but useful where mandate IDs, UMRNs, borrower bank details, mandate status, registration date, maximum amount, frequency, expiry date, and mandate validity need to be validated.
Borrower Master File	Optional, but useful where borrower IDs, customer IDs, loan account numbers, borrower names, branch details, product details, bank account details, mandate details, and loan status need to be mapped.
Bank Statement	Optional, but useful if the finance team also wants to compare successful NACH collections with actual bank statement credits.
Charges / Bounce Fee Report	Optional, but useful where bounce charges, NACH return charges, bank charges, penalties, late fees, collection charges, taxes, or service fees need to be reconciled.
Reversal / Refund / Adjustment Report	Optional, but useful where duplicate collections, failed collections, borrower refunds, reversal entries, charge reversals, or accounting corrections need to be reconciled.
ERP / Accounting Export	Optional, but useful if repayments, borrower receivables, interest income, penalties, charges, bounce fees, bank receipts, reversals, or accounting postings are maintained in SAP, Oracle, NetSuite, Microsoft Dynamics, Tally, Zoho Books, QuickBooks, or another accounting system.
Supporting Data	Optional supporting files can be used for loan mapping, borrower mapping, EMI mapping, mandate mapping, UMRN mapping, NACH reference mapping, bank account mapping, branch mapping, product mapping, GL mapping, entity mapping, or other enrichment.

What Cointab matches in LMS and NACH reconciliation

Cointab compares LMS repayment records with NACH presentation, success, failure, bounce, mandate, charge, reversal, and optional bank or accounting records.

LMS repayments and NACH successful debits

Match borrower repayment records from the LMS with successful NACH debit transactions.

EMI schedules and NACH presentations

Compare scheduled EMIs with NACH presentation records to confirm which dues were presented for auto-debit.

NACH mandates and borrower records

Compare mandate IDs, UMRNs, borrower IDs, loan account numbers, customer IDs, bank account numbers, borrower names, and mandate status.

Collection amounts

Compare scheduled EMI amount, NACH presented amount, successful debit amount, collected amount, principal, interest, penalty, charges, and net received amount.

NACH status

Compare presented, successful, failed, bounced, rejected, pending, returned, retried, and reversed statuses across LMS and NACH reports.

Bounce and failure reasons

Compare NACH return codes, bounce reasons, mandate rejection reasons, insufficient funds, account closed cases, invalid account details, technical failures, and borrower status.

Charges and penalties

Match NACH bounce charges, late fees, penalty interest, return charges, bank charges, and collection fees with LMS or accounting records.

Reversals and refunds

Match duplicate NACH collections, reversal entries, borrower refunds, failed collection adjustments, charge reversals, and correction postings.

Bank credits

If bank statements are included, compare successful NACH debits and settlement values with actual bank statement credits.

Internal records, if added

If ERP, accounting, borrower master, mandate master, payment partner, or collection partner data is included, Cointab can connect LMS-NACH reconciliation with wider lending finance workflows.

Common LMS and NACH reconciliation exceptions

Cointab helps lending and finance teams focus on LMS-NACH differences instead of manually reviewing every borrower EMI, mandate debit, bounce, failed attempt, retry, and collection entry.

LMS repayment not found in NACH

A repayment is recorded or expected in the LMS, but no matching NACH presentation or successful debit is found.

NACH successful debit not found in LMS

A successful NACH debit appears without a matching LMS repayment or collection record.

EMI due but not presented

An EMI is due in the LMS schedule, but no NACH presentation record is found.

EMI presented but not collected

An EMI was presented through NACH, but the transaction failed, bounced, was rejected, or remained pending.

LMS marked paid but NACH failed

The LMS shows the EMI or repayment as paid, but NACH status shows failed, bounced, rejected, returned, or pending.

NACH successful but LMS not updated

A NACH transaction is successful, but the LMS still shows unpaid, overdue, pending, or partially paid.

Amount mismatch

The loan ID, borrower ID, mandate ID, UMRN, EMI ID, or NACH reference appears to match, but LMS amount and NACH amount differ.

Mandate mismatch

Mandate ID, UMRN, mandate status, maximum amount, frequency, or expiry date does not align with the repayment being presented.

Bounce reason mismatch

NACH bounce reason, return code, failure reason, or borrower status does not match LMS collection or follow-up records.

Retry mismatch

A failed NACH debit is retried, but the original failed attempt, new presentation, final debit status, or LMS update does not link correctly.

Duplicate debit

The same borrower, EMI, mandate, UMRN, NACH reference, or collection transaction appears more than once.

Bounce charge mismatch

Bounce charges, NACH return charges, late payment penalties, taxes, or collection charges do not match expected values.

Reversal mismatch

A reversal, refund, or correction appears on one side but is missing or recorded differently on the other side.

Timing difference

A repayment belongs to one period in the LMS but appears in the NACH report, bank statement, or accounting system in another period.

Wrong borrower allocation

A NACH debit, bounce, retry, charge, reversal, or LMS repayment is mapped to the wrong borrower, loan account, branch, product, entity, or business unit.

Missing or unclear reference

Loan ID, borrower ID, EMI ID, mandate ID, UMRN, NACH reference, transaction ID, bank reference, or narration is missing, incomplete, or inconsistent.

Skipped record

A row cannot be reconciled because required data is missing, invalid, duplicate, incomplete, or unusable.

How this ready-made reconciliation works

Cointab pre-configures the workflow so your team does not need to rebuild the LMS and NACH reconciliation setup every period.

Select the template

Choose LMS vs NACH from popular reconciliations.

Select the period

Choose the day, week, month, due cycle, collection cycle, NACH presentation cycle, quarter, year, lifetime period, or custom period you want to reconcile.

Upload LMS and NACH reports

Upload the LMS repayment or collection report, NACH presentation report, NACH success or bounce report, and any required EMI schedule, mandate master, bank statement, charges, reversal, borrower master, ERP, or supporting files.

Validate file format

Cointab checks whether the uploaded files match the expected structure and highlights missing or incorrect columns.

Run reconciliation

Cointab applies predefined data preparation and matching logic for LMS and NACH data.

Review output

View fully matched, partially matched, unmatched, bounced, and skipped records.

Download or automate

Download the Excel report, or automate future data input and output through email, SFTP, or APIs.

Structured matching first, AI assistance for difficult cases

Cointab applies structured reconciliation logic first, then uses AI to help with difficult open records where fixed rules are not enough.

Structured matching

Structured matching can use:

Loan IDLoan account numberApplication IDBorrower IDCustomer IDBorrower namePayer nameEMI IDInstallment numberRepayment IDCollection IDMandate IDUMRNNACH reference numberNACH transaction IDNACH presentation IDSponsor bank referenceDestination bank referenceBank UTRBank referenceBank narrationReceipt numberVoucher numberERP document numberBranch codeProduct codeLoan statusEMI statusLMS repayment statusNACH presentation statusNACH debit statusNACH bounce statusMandate statusReversal statusFailure reasonReturn codeBounce reasonScheduled EMI amountPrincipal amountInterest amountPenalty amountCharge amountLMS collected amountNACH presented amountNACH debit amountBounce charge amountLate fee amountReversal amountRefund amountNet received amountDue dateNACH presentation dateNACH debit dateNACH return dateLMS collection dateBank credit dateReversal datePosting dateDerived or cleaned identifiers

Matching scenarios

One-to-one
One LMS repayment record matches one NACH debit transaction.
One-to-many
One LMS EMI or repayment maps to multiple NACH attempts, retry records, bounce entries, charges, reversals, or accounting lines.
Many-to-one
Multiple LMS repayments are grouped into one NACH batch, bank credit batch, settlement file, or accounting entry.
Many-to-many
Multiple LMS repayment records, NACH presentation records, successful debits, bounce records, charge records, and reversal entries are grouped and compared together.
Partial matching
Identifiers match, but LMS amount, NACH presented amount, NACH debit amount, charge amount, reversal amount, or net received amount differs.
Status-level matching
LMS repayment status, EMI status, NACH presentation status, NACH debit status, bounce status, mandate status, bank status, and reversal status are compared together.
Mandate-level matching
Mandate ID, UMRN, borrower account, maximum amount, frequency, status, validity, and debit presentation are compared together.
EMI-level matching
Installment-wise due amount, paid amount, principal, interest, penalty, LMS status, NACH debit status, and bounce reason are compared where available.
Batch-level matching
NACH presentation batches, debit batches, return batches, bank credit batches, LMS exports, and accounting postings are compared together where required.
Net and contra matching
Repayments, NACH attempts, successful debits, bounced debits, return charges, late fees, retries, reversals, refunds, corrections, and adjustments are netted where required.

AI-assisted transaction matching

After structured rules run, AI helps match difficult open transactions where:

References are incomplete
UMRNs or mandate IDs are missing
Loan IDs are formatted differently across systems
Borrower names are written differently
NACH references appear in different fields
One borrower payment has multiple NACH attempts
A failed debit is retried under a new reference
A reversal is not clearly linked to the original NACH debit
Bounce reason descriptions are inconsistent
Bank narration is messy
Mandate status requires contextual review
Amounts require business context
Multiple possible matches exist

AI exception analysis

For transactions that remain open, AI can help identify possible reasons such as:

LMS repayment missing in NACHNACH debit missing in LMSEMI due but not presentedNACH presented but bouncedNACH successful but LMS not updatedLMS marked paid but NACH failedPartial debit differenceDuplicate NACH debitNACH retry mismatchMandate inactiveMandate expiredInsufficient fundsBounce charge differenceReversal mismatchWrong borrower allocationPosting period differenceInternal LMS issueUnclear reference

AI assists matching and exception review, but Cointab keeps reconciliation transparent, reviewable, and audit-friendly.

Audit-ready LMS and NACH reconciliation reports

Cointab gives your team a clear report showing which LMS repayment, NACH presentation, NACH debit, bounce, charge, reversal, and bank records matched, partially matched, remained unmatched, bounced, or were skipped.

Report categories

Fully matched
LMS and NACH records where identifiers, statuses, and amounts match.
Partially matched
Records where identifiers match but LMS amount, NACH presented amount, NACH debit amount, charge amount, reversal amount, or status differs.
Unmatched in LMS
NACH successful debit, presentation, bounce, or charge records that do not clearly match LMS repayment records.
Unmatched in NACH
LMS repayment or EMI records that do not clearly match NACH presentation, success, or bounce records.
Bounced transactions
Records where NACH failed, bounced, was rejected, returned, or could not be collected.
Status differences
Records where LMS repayment status, EMI status, NACH debit status, bounce status, or mandate status does not agree.
Mandate differences
Records where mandate ID, UMRN, mandate status, validity, maximum amount, or borrower bank details require review.
Retry differences
Records where failed NACH attempts, retries, new presentations, and final collection status require review.
Charge differences
Records where bounce charges, NACH return charges, late fees, penalties, taxes, or collection charges require review.
Reversal and refund differences
Records where repayment reversals, duplicate collection refunds, charge reversals, or correction entries require review.
Bank credit differences
Records where successful NACH collections and bank statement credits require review, if bank data is included.
Skipped
Records excluded due to missing, invalid, duplicate, incomplete, or unusable data.

Report capabilities

Summary cards
Transaction-level details
Loan-level filters
Borrower-level filters
Mandate-level filters
UMRN filters
NACH status filters
Bounce reason filters
Difference amounts
Matched transaction drill-down
Manual match
Undo manual match
Excel export
Audit-friendly output

Automate recurring LMS and NACH reconciliation

Once this workflow is stable, Cointab can automate file input, reconciliation runs, and output delivery.

Bring data into Cointab

Data can be received or pulled through:

EmailSFTPAPI integrations, where available

Run automatically

Schedule reconciliation:

DailyWeeklyMonthlyDue cycle-wiseCollection cycle-wiseNACH presentation cycle-wiseAt month-end closeAfter LMS repayment report exportAfter NACH presentation file receiptAfter NACH success file receiptAfter NACH bounce file receiptAfter mandate file receiptAfter all required files are availableAt a custom frequency

Push output back

Send reconciliation output to:

Loan management systemERPAccounting systemCollection operations dashboardLending operations dashboardRisk or compliance dashboardBI dashboardInternal finance systemAnalytics databaseData warehouseInternal exception trackerBorrower follow-up workflowNACH follow-up workflowBank follow-up workflowAccounting close workflowAudit or compliance system

Matched LMS repayments
Matched NACH debits
Matched NACH presentations
Matched bounce records
Unmatched LMS repayment records
Unmatched NACH records
EMI due but not presented records
NACH successful but LMS not updated records
LMS marked paid but NACH failed records
NACH bounced records
Retry differences
Mandate differences
Bounce charge differences
Reversal differences
Duplicate debit records
Wrong borrower allocation records
Timing differences
Open items
Suggested actions
Excel reconciliation report
Structured API output

View an LMS and NACH demo report

See how Cointab presents LMS vs NACH output with matched, partially matched, bounced, unmatched, and skipped records.

LMS vs NACH Demo

Explore a sample report showing LMS repayment records, NACH presentations, successful debits, bounced transactions, borrower details, mandate IDs, UMRNs, retry records, bounce charges, reversals, timing differences, and open items.

View demo report

Explore related lending, EMI, and collection reconciliations

Cointab supports other lending, EMI, repayment, disbursement, collection, payment gateway, NACH, bank, books, ERP, and finance reconciliation workflows.

EMI Schedule vs Collections

Reconcile scheduled EMI dues with actual borrower collections across paid, partially paid, overdue, waived, and reversed EMIs.

View template

Loan Repayment vs Bank

Reconcile borrower repayment records with bank statement credits across EMI payments, partial payments, failed payments, reversals, and open items.

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LMS vs Payment Gateway

Reconcile loan management system records with payment gateway reports across EMI collections, failed payments, refunds, fees, and settlements.

View template

Loan Repayment vs Payment Gateway

Reconcile borrower repayments with payment gateway reports across successful payments, failed payments, refunds, fees, and settlement differences.

View template

Bank Statement vs Books

Compare bank statement entries with accounting or books records.

View template

ERP / Books Reconciliation

Reconcile ERP and books records across ledgers, vouchers, journals, payments, receipts, and open items.

View template

Built for teams reconciling LMS records with NACH collections

This template is useful for teams that regularly reconcile LMS repayments, EMI schedules, NACH presentations, successful debits, bounced transactions, mandates, charges, reversals, and open items.

NBFCs

For NBFCs reconciling LMS repayment records with NACH debit reports, bounce files, mandate records, and borrower payment status.

Digital lending platforms

For lending platforms reconciling EMI collections, NACH presentations, mandate debits, failed payments, retries, reversals, and LMS updates.

Fintech lenders

For fintech companies managing high-volume auto-debit collections across loan systems, NACH files, bank accounts, and accounting records.

Banks

For banking teams reconciling loan repayment transactions, NACH collections, borrower accounts, internal loan systems, and accounting postings.

Microfinance companies

For microfinance teams reconciling installment schedules, NACH debits, borrower repayments, loan accounts, and bounce records.

Collection teams

For teams reviewing NACH success, bounced mandates, failed auto-debits, retry cases, overdue borrowers, and borrower follow-ups.

Finance teams

For teams preparing recurring LMS and NACH reconciliation reports for daily review, month-end close, reporting, and audit.

Risk and compliance teams

For teams reviewing duplicate debits, mandate issues, borrower allocation problems, suspicious collections, and audit trails.

Accounting teams

For teams reconciling borrower receivables, interest income, bank receipts, bounce charges, penalties, reversals, and accounting postings.

Controllers

For controllers who need visibility into successful NACH debits not updated in LMS, failed debit mismatches, mandate issues, charge differences, and settlement gaps.

CFOs

For finance leaders who want stronger control over lending collections, auto-debit accuracy, repayment visibility, accounting accuracy, and audit readiness.

Accounting firms

For CA, CPA, or outsourced accounting teams handling lending, NBFC, fintech, NACH, LMS, and repayment reconciliation for multiple clients.

Trusted by teams handling LMS and NACH reconciliation

Cointab is used by finance and operations teams that reconcile high-volume, multi-source transaction data across loan management systems, NACH collections, bank statements, borrower records, mandates, books, ERP systems, partner reports, and internal systems.

“We have worked on many softwares but we love the ease of using cointab. The staff and support is very instant. They are approachable, proficient and patient. Team is very cooperative with the customisations. The experience of using cointab was nice.”
— Urbanic

LMS vs NACH FAQs

Start LMS vs NACH Reconciliation

Use Cointab's ready-made LMS and NACH reconciliation workflow to match EMI collections, mandate debits, successful NACH transactions, failed debits, bounces, charges, reversals, review exceptions, and export audit-ready reports.

Start this reconciliation Schedule guided setup

View demo report

Ready-made workflow · Reusable every period · Manual upload and automation supported

LMS vs NACH Reconciliation

Upload the required LMS repayment and NACH reports, select the period, run reconciliation, and review fully matched, partially matched, unmatched, bounced, and skipped records.

View demo report

Ready-made workflow · Reusable every period · Manual upload or automated data flow

Data source

Example records

LMS Repayment / Collection Report

Used as the internal source-of-truth report containing loan IDs, borrower IDs, repayment IDs, EMI IDs, due dates, collection dates, collection amounts, principal, interest, penalties, charges, repayment status, and collection mode.

EMI Schedule Report

Used to compare scheduled EMI dues with NACH presentation records, expected debit amounts, due dates, installment numbers, outstanding amounts, and borrower repayment status.

NACH Presentation Report

Used as the NACH-side report containing mandate IDs, UMRNs, presentation dates, debit amounts, borrower bank details, sponsor bank details, loan references, and transaction references.

NACH Success / Debit Confirmation Report

Used to compare successful auto-debit transactions with LMS repayment records, NACH references, UMRNs, settlement dates, debit amounts, and collection status.

NACH Bounce / Failure Report

Used to identify failed or rejected NACH transactions with bounce reasons, failure codes, rejection dates, mandate issues, insufficient funds, account closed cases, and retry status.

Mandate Master / Registration Report

Optional, but useful where mandate IDs, UMRNs, borrower bank details, mandate status, registration date, maximum amount, frequency, expiry date, and mandate validity need to be validated.

Borrower Master File

Optional, but useful where borrower IDs, customer IDs, loan account numbers, borrower names, branch details, product details, bank account details, mandate details, and loan status need to be mapped.

Bank Statement

Optional, but useful if the finance team also wants to compare successful NACH collections with actual bank statement credits.

Charges / Bounce Fee Report

Optional, but useful where bounce charges, NACH return charges, bank charges, penalties, late fees, collection charges, taxes, or service fees need to be reconciled.

Reversal / Refund / Adjustment Report

Optional, but useful where duplicate collections, failed collections, borrower refunds, reversal entries, charge reversals, or accounting corrections need to be reconciled.

ERP / Accounting Export

Optional, but useful if repayments, borrower receivables, interest income, penalties, charges, bounce fees, bank receipts, reversals, or accounting postings are maintained in SAP, Oracle, NetSuite, Microsoft Dynamics, Tally, Zoho Books, QuickBooks, or another accounting system.

Supporting Data

Optional supporting files can be used for loan mapping, borrower mapping, EMI mapping, mandate mapping, UMRN mapping, NACH reference mapping, bank account mapping, branch mapping, product mapping, GL mapping, entity mapping, or other enrichment.

Start LMS vs NACH Reconciliation

View demo report

Ready-made workflow · Reusable every period · Manual upload and automation supported