Vikasa RDO closed the gaps Excel left in SHG loan recovery.
Vikasa RDO arranges SBI loans for Self Help Groups and collects the repayments each month. That's other people's money, handled on spreadsheets — and money went missing. We built something where every proposal, every repayment and every commission has a name attached to it.
- Client
- Vikasa RDO (VRDO)
- Sector
- Microfinance and Self Help Groups
- Engagement
- SHG management software
The problem
Holding other people's repayments in a spreadsheet isn't really a technology problem — it's a control problem. Here's what it actually produced.
Financial irregularities
With nothing to check against, false loan applications and misused recovery funds weren't just possible — they happened.
Recovery funds misappropriated
Money collected on the bank's behalf was taken by staff. Real losses, and a mess to untangle afterwards.
Error-prone loan records
Member assignments and loan records drifted out of sync, so when someone changed roles the handover was guesswork.
Slow, manual proposals
Building a proposal by hand took hours, and one wrong figure could get the whole thing rejected.
Recovery tracked in sheets
Tracking repayments across years in a spreadsheet is heavy work, and it drifts further from the truth the longer it runs.
No real-time position
Nobody could answer "where do we stand today?" without first spending an afternoon adding things up.
Coordination over WhatsApp
Salaries, tasks and day-to-day coordination happened over WhatsApp, where nothing leaves a record.
Limited accountability
When something went wrong it was genuinely hard to say who was responsible — which is its own kind of risk.
What we built
We built around the real loan lifecycle — from a group's first proposal to the last instalment recovered — and made sure every step along the way has a person's name on it.
User management
Who can see and change what is set deliberately. That's the foundation everything else rests on.
SHG data management
Every group's details in one place, rather than scattered across whoever's laptop.
Member data management
Each member's details and payment history sit against their group, where you'd expect to find them.
Proposal management
Creating, submitting, sanctioning and disbursing a proposal follow one path, so nothing gets lost between steps.
Loan data management
One record per loan, from approval to final repayment — no separate sheet for each stage.
Recovery management
Collections are dated and recorded, so what was owed and what actually arrived are both visible side by side.
Commission management
The commission VRDO earns is calculated, not estimated at the end of the quarter.
Accounts and salaries
Salaries and accounting sit in the same system as the money they relate to, instead of a separate book.
Reports and analytics
Reports come from live data, which is what makes a decision defensible when someone asks.
Performance and tasks
Daily work is planned and reviewed in one place, so people know what's expected and can show what they did.
The result
Malpractice was designed out
The irregularities relied on nobody being able to check. Once everything was recorded, that stopped being true.
Manual work fell away
The repetitive work got automated, which cut both the hours and the mistakes.
The loan cycle got shorter
Proposal to sanction to disbursement to recovery moved faster once it stopped being four disconnected jobs.
Financial control improved
Salaries, commissions and accounts stopped being three separate conversations.
Decisions had evidence
Decisions started coming from reports rather than from what someone remembered.
When you're holding money for Self Help Groups and a bank, being faster is nice. Being able to show exactly where every rupee went is the thing that actually matters.
Tell us what you need.
Send a short brief and one of our engineers will come back to you — usually the same day.
- No obligation
- We reply the same working day
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