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YaviOSLending Operating System
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Reports & Audit

RBI-ready reporting, compliance monitoring, and business insights from day one.

See It in a Demo

Available reports

Branch MIS

Branch Manager / Owner

Daily, weekly, monthly: collections, disbursements, outstanding portfolio, and NPA summary.

Portfolio Summary

Company Admin / Owner

Total AUM, product-wise portfolio distribution, DPD analysis, and restructured loans summary.

Collection Efficiency

Branch Manager

Collection performance and recovery trends by agent, branch, product, and time period.

NPA Report

Credit Officer / Auditor

RBI-classification DPD buckets, NPA accounts, and provision summary.

Cash Reconciliation

Accounts Staff / Manager

Opening balance, collections, disbursements, deposits, and variance analysis.

RBI Returns

Compliance Team

Quarterly and annual reports for RBI and regulatory requirements. Export-ready.

Audit Logs

Auditor / Compliance

Complete audit history for approvals, disbursements, collections, write-offs, and other key actions.

Agent Performance

Branch Manager

Visit completion rate, collection achievement, overdue recovery, and field activity performance.

Audit Trail

Every key action is securely recorded — who did it, when, and what changed. Loan approvals, disbursements, collections, write-offs, penalty waivers, and all other critical actions are automatically logged in the Audit Trail.

{ action: "disbursement.execute", staff: "VM-001", loan: "LN-2026-001", before: { status: "SANCTIONED" }, after: { status: "DISBURSED", amount: 500000 }, ip: "103.x.x.x" }

Key Benefits

  • RBI inspection-ready reports
  • PDF and Excel export
  • Branch-wise and product-wise analysis
  • NPA and DPD monitoring
  • Collection performance tracking
  • Complete audit history
  • Compliance and internal audit support
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