Sell Electronics on EMI with Ease — Powered by Bangla ERP
Easily manage product sales on installment, track EMI schedules, monitor customer dues, and generate real-time reports — all from one powerful, cloud-based platform made for electronics retailers.
Having trouble keeping track of EMI sales?
Are you unable to maintain transparency in accounts while keeping hands-on EMI sales records?
Key Features
Member registration and profile management
Effortlessly register new members with essential details and documents. Manage complete member profiles including contact info, ID proofs, guarantors, and transaction history.
Key Features :
- Document Upload: Attach ID proofs, address verification, photos, and more.
- Guarantor Details: Store guarantor information for loans or EMI-based sales.
- Membership Status: Track active, inactive, or blocked members with reason.
- Profile Management: Edit and update member profiles as needed.
- Member Registration: Add new members with name, photo, contact, and identity details.
- Membership ID Generation: Auto-generate unique member IDs with QR/Barcode option.
Loan application, approval workflow, and disbursement
Manage complete loan lifecycle from application to approval and disbursement. Include multi-stage verification, guarantor validation, document check, and flexible disbursement modes.
Key Features:
- Loan Document Upload: Upload necessary documents like ID proof, income proof, etc.
- Multi-Level Approval: Set workflow with one or more approval stages (Officer → Manager → Admin).
- Flexible Disbursement: Disburse approved loan amount via bank transfer, cash, or account credit.
- Loan Application Form: Capture all required loan details with document attachments.
- Approval Notifications: Send real-time alerts on application status and approval steps.
- Guarantor & Eligibility Check: Verify member eligibility and validate guarantor information.
Automated EMI scheduling and reminders
Automatically generate EMI schedules after loan disbursement and send timely reminders via SMS or app notification to ensure on-time payments.
Key Features :
- EMI Calendar View: Visual calendar interface to view all upcoming EMIs.
- Late Payment Flag: Automatically mark and track delayed payments.
- Flexible Frequency: Support for daily, weekly, bi-weekly, or monthly EMI cycles.
- Payment Due Alerts: Members receive SMS/app notifications before due dates.
- Custom Reminder Settings: Admins can set reminder days and message templates.
- Auto EMI Schedule Generation: EMIs are scheduled based on disbursed amount, interest rate, and duration.
Interest rate and penalty calculations
Automatically calculate interest based on reducing or flat rate methods, and apply penalties on overdue payments with flexible rules.
Key Features:
- Transparent Summary: Members and staff can view clear breakdown of interest and penalties.
- Dynamic Penalty Rules: Configure penalty rate per day, grace period, and maximum cap.
- Real-Time Computation: Interest and penalties are calculated automatically with each due date.
- Member-Wise Customization: Interest and penalty rules can vary member-wise or scheme-wise.
- Penalty Ledger Integration: Penalties are posted automatically to member’s account ledger.
- Flexible Interest Calculation: Supports both Flat Rate and Reducing Balance interest models.
Savings account tracking
Track and manage all savings account activities, including deposits, withdrawals, interest calculations, and balance updates in real time.
Key Features :
- Transaction History: Detailed logs of all savings account transactions.
- User-Friendly Interface: Easy access for members to view savings balance and history.
- Account Statement Generation: Generate monthly or custom period statements for savings accounts.
- Flexible Deposit & Withdrawal: Support multiple deposit and withdrawal modes.
- Real-Time Interest Calculation: Calculate and update interest on savings accounts automatically.
- Comprehensive Account Monitoring: Monitor deposits, withdrawals, and balance changes seamlessly.
Real-time financial reporting and dashboards
Access up-to-date financial reports and interactive dashboards that provide instant insights into sales, collections, profits, and overall business performance.
Key Features:
- Export Options: Export reports in multiple formats such as PDF, Excel.
- Customizable Views: Filter and customize reports based on date, product, or branch.
- Comprehensive Reports: Detailed reports on sales, profits, loan collections, and more.
- Interactive Dashboards: Visualize key metrics through charts and graphs.
- Real-Time Data Updates: Get instant updates on all financial activities.
- User-Friendly Interface: Easy navigation and access for quick decision making.
SMS notifications for loan status and repayments
Automated SMS alerts keep members informed about their loan status, upcoming repayments, due dates, and payment confirmations.
Key Features :
- Automated Alerts: Send automatic SMS for loan status updates and repayment reminders.
- Delivery Reports: Track SMS delivery status for all notifications.
- Repayment Reminders: Notify members before due dates to avoid late payments.
- Payment Confirmations: Send SMS confirmations after successful loan installment payments.
- Customizable Templates: Use personalized SMS templates for different loan notifications.
- Multi-Language Support: Send SMS in preferred languages to enhance communication.
Role-based access for staff and management
Secure role-based access control ensures staff and management have appropriate permissions to access features and data based on their roles.
Key Features:
- Audit Trail: Track user activities for security and compliance.
- Access Control: Restrict feature and data access based on user roles.
- Role Definition: Create and assign roles with specific permissions.
- User Management: Easily manage users, roles, and permissions.
- Custom Permissions: Define granular permissions for sensitive operations.
- Multi-Level Access: Support different access levels for staff and management.
Secure cloud storage accessible on any device
Reliable and secure cloud storage enables seamless access to data anytime, anywhere from any device.
Key Features :
- Scalability: Easily scalable storage to handle growing data needs.
- Data Security: Advanced encryption to protect sensitive information.
- Real-Time Sync: Automatic synchronization across all devices.
- Any Device Access: Access data from smartphones, tablets, or desktops.
- Backup & Recovery: Regular backups and easy data recovery options.
- User Authentication: Secure login with multi-factor authentication.