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.
Features
Capabilities
A complete loan book of record, an actual/365 interest engine that reconciles to the paisa, and submission files accepted by TransUnion CIBIL, Experian, Equifax and CRIF High Mark.
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.
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Load the book
Import parties, agreements and transactions from Excel, or enter them directly.
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Record as you go
Drawdowns, repayments, closures — validated against limits at entry.
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Validate the cycle
Pre-filing checks confirm every borrower and account is bureau-complete.
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Generate & submit
One ZIP: txt, TUDF and Excel for all four bureaus, named and formatted to spec.
By the numbers
The operating parameters Bureaulens is built to hold on every reporting cycle.
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Bureaus Covered
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RBI Cycles a Year
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Day-Count Basis
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Manual File Edits
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 |
Request a demonstration
A 30-minute walkthrough on your own data — your agreements, your reporting cycle and your bureau member IDs.