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New Built for lending & manufacturing businesses

One platform to run your entire business — books, customers and operations.

Lucabooks brings ERP and CRM together with purpose-built modules for manufacturing, micro-finance, gold loans, chit funds, NBFCs, mortgage and auto finance.

Trusted by 150+ businesses across India, Singapore and the UAE
Verticals Industry-specific modules

Pick the edition built for your business.

Lucabooks ships seven dedicated vertical solutions — each with its own data model, workflows, compliance rules and reports. Configure in days, not months.

01 / 07 Manufacturing ERP

Run the factory floor and the back office on one system.

From raw material to dispatch — manage BOMs, work orders, inventory, GST invoicing and the people behind it. Built for SMB manufacturers across textile, engineering, food & chemicals.

  • Multi-level BOM & routing

    Define unlimited bill-of-material levels with phantom items, byproducts and scrap accounting.

  • Work order & job-card tracking

    Issue job cards, track machine & operator time, capture batch yield and rejection at every stage.

  • Real-time inventory & warehouse

    Multi-location stock with bin/rack mapping, batch & serial numbers and barcode scanning.

  • Purchase & vendor management

    RFQs, vendor scorecards, three-way GRN match, payment scheduling and TDS automation.

  • Sales, dispatch & e-way bill

    Sales orders, dispatch challans, automated GST e-invoicing and e-way bill generation.

  • Production planning (MRP)

    Demand-driven material planning with lead-time aware procurement & capacity load charts.

  • Quality control checkpoints

    Configurable QC stages on inward, in-process and finished goods with non-conformance reports.

  • Costing & margin analysis

    Actual vs. standard cost per SKU, batch and customer with material, labour and overhead split.

Talk to a manufacturing specialist
Work Order #WO-2841
Plant A · Shift 2
Item
Steel Bracket — SB-08
Qty 1,200 pcs
Yield
96.4%
▲ 1.2% vs avg
Status
In progress
ETA 16:40
Routing4 / 6 done
Shearing M-04 · 42min
Punching M-11 · 38min
Bending M-18 · 55min
Welding Running · 22min
Powder coating Queued
QC & packing Queued
02 / 07 Micro-Finance · Daily & Weekly Collections

Field-first software for daily & weekly loan collections.

Built for MFIs running door-step collections. Field officers collect through a mobile app — even offline — and HQ sees every rupee in real-time on a live dashboard.

  • Group & JLG loan management

    Self-help groups, joint liability groups, and individual products with flexible interest models.

  • Daily / weekly repayment plans

    Auto-generate collection sheets for each route by day, with carried-forward balances.

  • Offline field collection app

    Officers collect in low-network areas; payments sync automatically when connectivity returns.

  • GPS-stamped receipts

    Every collection captures location, time and digital signature — eliminating ghost entries.

  • Centre & route planning

    Define centres, assign officers and optimise route days. Daily attendance & absentee reports.

  • KYC, Aadhaar & CKYC ready

    Borrower onboarding with OCR document capture, eKYC and bureau pulls in under 90 seconds.

  • Bureau reporting & RBI returns

    Automated submission to CIBIL, Equifax, CRIF Highmark and Experian. RBI returns & CIC files included.

  • Provisioning & PAR ageing

    Standard PAR 1/30/60/90 buckets with automated provisioning entries to ledger.

See micro-finance demo
Collection Sheet · Centre 14 — Tirupur
Route Tue · Officer: Bharathi
Expected
₹38,500
Collected
₹35,200
Members
22 / 24
MemberEMIPaidStatus
LKLakshmi K. ₹1,750 ₹1,750 Paid
VSVasanthi S. ₹1,750 ₹1,750 Paid
MPMeena P. ₹2,100 ₹0 Absent
RDRadhika D. ₹1,400 ₹1,400 Paid
KUKavitha U. ₹1,750 ₹900 Partial
Synced 14 sec ago · GPS verified · Offline-safe
03 / 07 Auto Finance

Originate, fund and collect on two-wheeler, car and commercial vehicle loans.

A complete LOS + LMS for auto financiers, dealerships and captive lenders. From dealer-floor to repossession, in one product.

  • Dealer DSA portal

    Dealers submit applications, upload RC, insurance and KYC, and track approvals in real time.

  • Vehicle valuation engine

    Integrated IDV/OBV grids by make, model, year and city; auto-LTV calculation.

  • Credit decisioning

    Configurable scorecards, bureau pulls, banking statement analysis & auto-approval rules.

  • Hypothecation & RC tracking

    RTO hypothecation status, insurance renewal alerts, and document vault with expiry tracking.

  • NACH / e-mandate & PDC

    One-click NACH registration, PDC inventory tracking and bounce-charge automation.

  • Field collections & repossession

    Bucket-wise allocation to telecalling, field and legal teams; repo agent app with photo evidence.

  • Subvention & dealer payouts

    Manufacturer subvention schemes, dealer commission, and payout reconciliation.

  • Foreclosure & settlement

    Live foreclosure quotes, part-payment workflows and OTS calculator with approval matrix.

Book an auto-finance walkthrough
Loan Application · AF-04421
Tata Ace · ₹6.4L
KYC Credit Valuation Sanction Disburse
Applicant
Suresh Yadav
PAN · AYZPY**12K
Self-employed · Transport
CIBIL
742
DTI
41%
FOIR
52%
Vehicle
Tata Ace Gold · 2024
Dealer: Sri Krishna Motors
Reg: TS09 ZH ****
OBV
₹8.0L
Loan
₹6.4L
LTV
80%
Auto-sanctioned at ₹6,40,000 · 18% · 36 mo
EMI ₹23,140 · Subvention -2.0% applied · NACH pending
APPROVED
04 / 07 Gold Finance

Gold loan disbursal in under 10 minutes — branch or doorstep.

Purpose-built for gold-loan NBFCs and co-operative banks. Manage appraisal, vaulting, auctions and renewals with full RBI-compliant audit trails.

  • Live gold rate & LTV calc

    Daily 22K/18K rates per branch with auto LTV calc against your sanctioned scheme.

  • Ornament appraisal sheet

    Capture each ornament — weight, purity, stone deduction, photo & bag number with appraiser sign-off.

  • Branch vault & packet tracking

    Two-key vault movement log, packet barcode, locker-wise positioning & daily verification.

  • Interest schemes & slabs

    Unlimited schemes (monthly, on-renewal, bullet), early-payment rebates, penal interest grids.

  • Auction & notice management

    RBI auction notices, public-auction registers, surplus refund and post-auction shortfall tracking.

  • Doorstep gold loan app

    Field officer app for at-home valuation with sealed packet, OTP & live video evidence.

  • Insurance & police FIR linkage

    Vault insurance tracking, loss/theft FIR linkage and claim workflow.

  • Renewal, top-up & release

    One-click renewal with rate revision, top-up disbursal, and packet release with signature capture.

Book a gold-loan demo
New Gold Loan · GL-19284
Branch · Coimbatore Main
22K Rate Today
₹6,142 / g
▲ ₹38 from yesterday
Net Weight
42.6 g
LTV
72%
Within scheme
#OrnamentGrossPureValue
1Bangles · pair18.2 g16.7 g₹1,02,572
2Long chain14.4 g13.2 g₹81,074
3Studs · 2 pcs12.0 g11.0 g₹67,562
Eligible Loan
₹1,80,144
05 / 07 Chit Fund

Run every chit group — from enrolment to auction to payout.

Compliant chit fund management that handles auctions, subscriber ledgers, foreman commission and Registrar of Chits reporting.

  • Group & ticket configuration

    Define chits by value, duration and instalments. Multiple tickets per subscriber supported.

  • Auction management

    Live auction screen with bid increments, lowest-bidder selection and instant dividend distribution.

  • Subscriber ledger & passbook

    Per-subscriber statement of contributions, dividends, prize money and any pending dues.

  • Form 6, 7 & minutes auto-fill

    Auto-generate statutory chit forms, auction minutes and notices for Registrar submission.

  • Foreman commission

    Configurable commission percentage on chit value with monthly accrual postings.

  • Prize money & surety

    Track sureties, guarantor KYC, and release prize money against verified collateral.

  • Defaulter management

    Auto-classify defaulters per CFA, generate notices and recovery letters with timelines.

  • Branch & multi-state operations

    State-wise chit registration, branch ledgers and consolidated MIS for HO oversight.

Get a chit-fund demo
Auction · Group SREE-A-10L · Month 12 / 25
Live · 11:42 AM
Chit Value
₹10,00,000
Min Bid
₹7,00,000
Current Bid
₹8,20,000
Active bids · sorted by amount
01 Subscriber #07 · K. Manohar ₹8,20,000 LEADING
02 Subscriber #19 · S. Lakshmi ₹8,40,000
03 Subscriber #04 · P. Ravi ₹8,60,000
04 Subscriber #22 · D. Anitha ₹8,80,000
Discount
₹1,80,000
Dividend / subscriber
₹7,200
06 / 07 NBFC & NGO

Lending core for NBFCs and Section-8 NGOs.

A configurable LOS-LMS-Accounting stack for NBFC-ICCs, NBFC-MFIs, Section-8 NGOs and BC partners — with audit-grade compliance and donor reporting built-in.

  • Multi-product loan engine

    Personal, business, education, agri, livelihood — define rules, fees, IRR and accrual per product.

  • Co-lending & BC partnerships

    Track partner share, settlement files, FLDG and direct-assignment securitisation flows.

  • Ind-AS compliant accounting

    Auto EIR computation, ECL provisioning, staging (1/2/3) and journal posting to ledger.

  • RBI & statutory returns

    NBS-1 to NBS-9, ALM, DNBS, CIC submission and SMA reporting — ready to file.

  • Donor & grant tracking (NGO)

    Restricted-fund accounting, FCRA compliance, donor reports and project-wise utilisation.

  • Borrower self-service portal

    Customer mobile app for statements, EMI payments, NOC and online prepayment.

  • Risk & audit dashboards

    Live PAR, NPA, write-off recovery, branch-wise heatmaps and internal-audit observation tracking.

  • Role-based access & maker-checker

    Granular permissions, maker-checker workflows on every critical action with full audit trail.

See NBFC platform tour
Portfolio Health · All branches
FY 25-26 · As of today
AUM
₹142.6 Cr
▲ 4.8% MoM
Disbursal · MTD
₹8.4 Cr
3,124 accounts
PAR ageing
% of AUM
PAR 1-30
3.1%
PAR 31-60
1.8%
PAR 61-90
0.9%
PAR 90+
0.7%
NBS-1 due
5 days
CIC upload
Ready ✓
ECL provision
₹1.24 Cr
07 / 07 Mortgage Loan Management

Manage home loans, LAP & commercial mortgages end-to-end.

For HFCs and lenders writing secured loans against property — from underwriting through legal & valuation to disbursal and 20-year servicing.

  • Property & title management

    Capture property details, encumbrance certificates, parent-document chain & legal opinion.

  • Technical & legal vendor portal

    Empanelled valuers and advocates submit reports digitally with TAT tracking and rate cards.

  • Underwriting workbench

    Income assessment for salaried, self-employed & professional with bank-statement analysis.

  • Sanction & disbursal stages

    Construction-linked, tranche-wise disbursal, pre-EMI & moratorium period management.

  • Floating & fixed rate engine

    Link to external benchmarks (Repo / MCLR), auto rate-revision schedules and customer letters.

  • Insurance & co-applicant

    Property & life-cover linkage, co-applicant income clubbing and joint-ownership records.

  • Part-payment & reset

    Customer initiates part-payment online — choose EMI reduction or tenure reduction with reset.

  • Document vault & CERSAI

    Original-document tracking, vault custody, CERSAI security registration and NOC on closure.

Talk to a mortgage expert
Mortgage File · MLN-77140
Home Loan · ₹42.0 L
Property
Flat 304, Whitefield Heights
Bengaluru · 1,240 sq.ft · Resale
Market value
₹56.0 L
Process timeline
Login & KYC
Done · 12 Apr
2d TAT
Technical valuation
Valuer: Anand & Co · ₹56.0 L
3d TAT
Legal opinion
Adv. Pradeep K. · awaiting EC search
D+1
Credit underwriting
Pending legal
Sanction & disbursal
LTV
75%
Tenure
240 mo
EMI
₹36,140
Platform Why Lucabooks

The hard parts, handled.

Behind every vertical sits the same robust platform — secure, compliant, and built to scale from 5 users to 5,000.

RBI & GST compliant by default

Audit-grade ledgers, mandated returns, IND-AS provisioning and e-invoicing baked-in — no plug-ins required.

Configurable, not coded

Set up new products, fee structures, approval matrices and reports through the UI. No vendor lock-in.

Real-time, offline-ready apps

Field, branch and customer apps that work in low-connectivity areas and sync instantly when online.

Bank-grade security

ISO 27001 controls, role-based access, maker-checker workflows and end-to-end audit trail on every action.

API-first integrations

Open APIs for banking partners, bureaus, payment gateways, accounting tools and your in-house systems.

Implementation in 30 days

Dedicated onboarding team, data migration scripts and product specialists for each vertical.

Get started Free 14-day pilot

See Lucabooks in action — for your vertical.

Share a few details about your business and our product specialist will walk you through the modules you need, with sample data from your industry.

  • 30-minute personalised demo with a vertical expert
  • Free pilot with up to 50 customer records imported
  • Pricing & implementation plan within 48 hours
  • No credit card required to start

Request a demo

Tell us a little about your business and we'll set up a tailored walkthrough — usually within one working day.

Fill the demo form →
Sales+91 9488-333-623
Supportwe@criarsolutions.com