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verified The Kinetic OS for NBFCs

The Configurable Operating OS for Modern NBFCs

Empowering Gold Loan, Chitty, and Deposit-taking NBFCs with zero-code flow automation and automated collections. Engineered for precision and scale.

Zitr Banks CRM Dashboard Mockup

Built for the Kerala NBFC Landscape

Architected to handle the unique regulatory and operational needs of South India's financial giants.

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Single-branch Operators

Lightweight, agile tools to move from registers to cloud-native operations without technical overhead.

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Regional Chains

Centralized control with branch-specific hierarchies. Real-time reconciliation across 50+ locations.

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Multi-state Enterprise

Muthoot/Manappuram scale performance. High-concurrency transaction engine with enterprise grade security.

Core Financial Modules

Everything you need to run an NBFC, out-of-the-box, yet fully customizable.

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Gold Loan

Simplified Collateral & LTV Engine. Manage gross weight, purity levels, and automated daily gold rate feeds via API.

  • check_circle Dynamic LTV Calculations
  • check_circle Purity & Stone Weight Deduction
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Chitty (Chit Fund)

Group Management & Auction Automation. Automated KSFE-style monthly auctions and foreman commission tracking.

  • check_circle Automated Proxy Bidding
  • check_circle Divisible Surplus Calculator
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Deposits (FD/RD)

Configurable Investment Tracking. Manage Fixed and Recurring deposits with automated interest payouts and TDS calculation.

  • check_circle Toggled per License Type
  • check_circle Automated Maturity Alerts
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Stop Managing via Spreadsheets

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The Legacy Problem

Fragmented data trapped in physical registers and WhatsApp chats. Heavy dependence on manual escalation and zero real-time rollup visibility.

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The Zitr Banks Solution

Unified dashboard rollups from State to Branch level. Automated soft-to-hard escalation engine that triggers automatically based on delinquency.

Escalation Pipeline Live System
Day 1-3: Soft Alert
Automated WhatsApp & SMS sent to client from Branch ID.
Day 4-7: Staff Task
Task auto-assigned to Field Officer with GPS tracking for visit.
Day 8+: Hard Escalation
Legal notice generation and Senior Manager dashboard alert.

Trusted by Leading Institutions

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4.9/5 Google Reviews
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"Transitioning our 12 branches across Malappuram to Zitr Banks was the best operational decision we've made. The Chitty module is incredibly precise."

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Ramesh Menon
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"The gold loan LTV engine and automatic daily rate updates saved us countless hours. Zero downtime migration across Thrissur."

AK
Anand Krishnan

Onboarded in 3 Days

Our dedicated implementation team ensures zero downtime during your migration.

1

Organization Setup

Mapping branches, roles, and historical data imports from legacy software.

2

Configuration

Setting interest ladders, auction cycles, and escalation logic parameters.

3

Training & Live

Hands-on branch staff training and live system monitoring by our engineers.

Frequently Asked Questions

Does Zitr Banks support multi-branch operations and centralized audits? expand_more
Yes, Zitr Banks is designed for multi-branch environments. It offers real-time rollup views, branch-specific access permissions, and centralized auditing dashboards to monitor all gold loan, chitty, and deposit activity across Kerala and beyond.
How does the system handle daily gold rate updates? expand_more
The platform is integrated with live bullion feeds via APIs, enabling automated updates of daily gold rates. LTV calculation parameters auto-adjust in real-time to protect against sudden market fluctuations.
Is the Chitty module compliant with state regulations? expand_more
Absolutely. The Chitty module is built to comply with foreman and registration laws in Kerala (KSFE-style guidelines) and other South Indian regions, ensuring automated divisible surplus calculations and foreman commission tracking.
How long does it take to migrate our existing data? expand_more
A standard migration from legacy desktop registers or legacy software takes 3 days. Our migration engineers assist with mapping historical accounts, data cleaning, and staff training.
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