Complete loan book
ICDs, inter-corporate deposits, debentures (OCD/CCD/NCD) and consumer loans — tranche-level, with sanctioned limits, drawing power, asset classification and closures, all in one register.
All 4 Bureaus
CIBIL · Experian · Equifax · CRIF
UCRF V3.10 + TUDF
Current formats, effective 01-Jul-2026
Actual/365 Engine
Per-tranche, paisa-exact
Multi-Entity
One platform, every NBFC in the group
Built for NBFCs · RBI weekly reporting · UCRF V3.10 & TUDF V3.74 native
Your loan book, bureau-ready every cycle.
Bureaulens maintains your complete loan book — ICDs, debentures and consumer loans — accrues interest to the paisa, and generates submission-ready files for all four credit bureaus. Weekly incremental cycles and month-end full submissions, produced in a single step.
4
Bureaus Supported
48
RBI Cycles / Year
₹0.00
Reconciliation Variance
100%
Transactions Audited
Formats, segments and standards supported
Capabilities
A complete loan book of record, an interest engine that reconciles to the paisa, and submission files accepted by all four bureaus.
Interest to the paisa
An actual/365 per-tranche accrual engine that ties to your audited workbook to the last paisa. Per-tranche rates, NPA accounts accrue nil, and every month reconciles.
One-click bureau filing
UCRF V3.10 commercial pipe-files, TUDF V3.74 consumer files and data-submission Excels for all four bureaus — generated as one ZIP per cycle, byte-faithful to accepted submissions. Weekly cycles carry only what changed; month end carries the full book.
Pre-filing validation
Missing PANs, addresses, classifications and date inconsistencies are reported as errors and warnings before generation, rather than on rejection by the bureau.
Reports that match the book
Weekly book, monthly loan book, monthly interest book and outstanding-as-on — plus dues dashboards for collections and interest — every one exportable to Excel and reconcilable line-by-line with your workbook.
Controls built in
Sanctioned-limit checks on every drawdown, duplicate-PAN and account-number blocking, role-based access, per-entity isolation, and a full transaction audit trail.
Four stages to a filed cycle
Load the book once, then run each reporting cycle as a repeatable process with validation before submission.
-
Load the book
Import parties, agreements and transactions from Excel, or enter them directly.
-
Record as you go
Drawdowns, repayments, closures — validated against limits at entry.
-
Validate the cycle
Pre-filing checks confirm every borrower and account is bureau-complete.
-
Generate & submit
One ZIP: txt, TUDF and Excel for all four bureaus, named and formatted to spec.
Where Bureaulens is used
Bureau compliance, group treasury books, consumer lending, debenture registers and audit reconciliation — in one register.
NBFC bureau compliance
RBI weekly incremental submissions and the month-end full file, to all four bureaus, without manual file editing. Generated files match previously accepted submissions byte for byte, with cycle-aware treatment of closures and NPA accounts.
Group ICD books
Inter-corporate deposits across subsidiaries, per-tranche.
Consumer loans
TUDF consumer reporting with full identity capture.
Debenture registers
OCD / CCD / NCD instruments with their own segments.
Audit & reconciliation
Interest books that tie to the workbook to the paisa.
Multi-entity NBFCs
Each entity isolated; one super-admin console.
How Bureaulens compares
What changes when the loan book, the interest engine and the bureau files are one system rather than a chain of workbooks.
| Capability | Bureaulens | Spreadsheets + manual filing |
|---|---|---|
| Bureau files | Generated, spec-exact | Hand-built each cycle |
| Interest accrual | Per-tranche engine, 365-day | Formulas that drift |
| Validation | Before submission | On rejection by the bureau |
| Limit & PAN controls | Enforced at entry | Found at audit |
| Closures & NPAs | Cycle-aware automatically | Adjusted by hand each cycle |
| Multi-entity | Isolated tenants, one login | One workbook per entity |
| Audit trail | Every transaction, every user | Limited and manual |
By the numbers
The operating parameters Bureaulens is built to hold on every reporting cycle.
0
Bureaus Covered
0
RBI Cycles a Year
0
Day-Count Basis
0
Manual File Edits
Plans
From a single NBFC to a multi-entity group. Every plan includes the full loan book, the interest engine and all four bureau formats.
Starter
For a single NBFC moving off spreadsheets.
₹7,500
per month · one entity
- Full loan book & interest engine
- All 4 bureau file formats
- Pre-filing validation
- Weekly & monthly reports
- Excel import / export
Professional
For NBFCs filing every cycle to every bureau.
₹15,000
per month · one entity
- Everything in Starter
- Consumer + commercial segments
- Attachments & document store
- Role-based access
- Priority support
Group
For multi-entity groups and their treasuries.
₹37,500
per month · up to 5 entities
- Everything in Professional
- Multi-tenant isolation
- Super-admin console
- Subscription management
- Onboarding assistance
Enterprise
Custom deployment, custom controls.
Custom
annual contract
- Self-hosted or private cloud
- Custom fields & workflows
- RBI return modules (roadmap)
- SLA & dedicated support
- Data migration included
Frequently asked questions
Which bureau file formats does Bureaulens generate?
Commercial UCRF V3.10 pipe-delimited text files, consumer TUDF V3.74 files, consumer data-submission workbooks generated from each bureau's own template package, and a full UCRF preparation workbook (HD/BS/AS/RS/CR/GS/SS/CD/TS sheets) — one set per member ID for TransUnion CIBIL, Experian, Equifax and CRIF High Mark, packaged as a single ZIP per cycle.
How accurate is the interest engine?
Actual/365 with inclusive day-count, applied per tranche at each tranche's own rate. NPA accounts accrue nil, matching standard income-recognition practice. Customers reconcile it against audited workbooks to the paisa.
Can we import our existing loan book from Excel?
Yes. Parties, agreements and transactions import from Excel templates with row-level validation — duplicates are blocked, limit breaches are skipped with reasons, and nothing silently changes.
How are bureau member IDs and headers managed?
Every member ID, short name, TUDF header user, TL member code and cycle ID is configurable per bureau in Settings. Nothing is hardcoded — each entity files under its own identities.
Does it support multiple NBFCs in one group?
Yes. Bureaulens is multi-tenant: each entity's parties, loans, transactions and bureau settings are fully isolated, with a super-admin console for subscriptions across the group.
What about closures, NPAs and historical cycles?
Loans close with full history retained. Filing generation is cycle-aware: a loan live on the cycle date appears in that cycle even if closed later, so historical regeneration always matches what was actually filed.
Request a demonstration
A 30-minute walkthrough on your own data — your agreements, your reporting cycle and your bureau member IDs.