KOSHTAQ
Lender allocation software for NBFCs and HFCs

One system for your
treasury team.

Koshtaq matches every loan to the right lender under that lender's rules, so no loan is ever pledged twice. Borrowings, loan book insight and a full audit trail come from the same monthly upload, which never leaves your servers.

Book a demo
0
loans handled
0
lenders, each with its own rules
20 d → 3 h
month-end allocation
0
loans pledged twice
Live numbers from a deployment at an Indian NBFC
koshtaq.local / treasury
0:00 / 0:36
The problem in numbers

Twenty days of Excel, every single month.

At a lot of NBFCs, the monthly hypothecation of book debts still means weeks in Excel. Pull the loan book, check every lender's rules by hand, hunt for double pledges and build each lender's file. Then do it all again next month. We get it.

Month-end cycle · Illustrative
In Excel · about 20 working days
05101520 days
Pull the loan book
1d
Clean up bad records
5d
Apply each lender's rules
8d
Hunt for double pledges
3d
Build lender files
3d
Send to lenders
1d
Two people, almost always mid-cycle.≈ 320 person-hours
20
working days
spent matching loans to lenders every month
~320
person-hours
in every month-end cycle
2
people
doing this job and little else
5
days
cleaning the loan file before real work could start
~850
loans a year
promised to two lenders at once
1st
of every month
the deadline, before the market opens

Before Koshtaq, at a live deployment at an Indian NBFC.

Why does it take 20 days?

  1. 01Every lender writes its own eligibility rules.
  2. 02Each one has 20+ conditions, from DPD and CIBIL to state and product.
  3. 03Some limits cover the whole pool, so you can't check them loan by loan.
  4. 04State caps apply across the entire book.
  5. 05Lenders change their terms halfway through the year.
  6. 06Every new lender and every new loan adds more combinations to check.
How it works

Upload once. We'll take it from there.

Five simple steps for your team, with Koshtaq doing the heavy lifting in each one.

  1. 01

    Upload your loan book

    Drop in an Excel file, or connect your LMS directly if it runs on a PostgreSQL-compatible database. Koshtaq checks every record first and sets the bad ones aside, so nothing breaks halfway.

  2. 02

    Every lender's rules get applied

    All 20+ conditions per lender run on their own. Your team edits them on screen, and every change is saved as a new version.

  3. 03

    Last month gets a fresh look

    Loans that still qualify stay where they are. Only the ones that now break a rule are released, so one bad loan never upsets a lender's pool.

  4. 04

    Free loans find their lender

    Matched by priority and eligibility, within each lender's limits. Ticket size bands and state caps are handled as part of the match.

  5. 05

    Review, then download

    Your team checks the result and downloads every lender's file in one click, in Excel or PDF. Any manual change is logged with a name and a reason.

See the full run
Run log
An illustration of a run. Counts are examples, not a live log.
What you get

Everything your treasury needs, from one upload.

You already upload the whole loan book every month. Koshtaq turns that same upload into your lender files, your borrowings view and a clear read on your book. No second system and no spreadsheet on someone's laptop.

01

Lender Allocation

The right lender for every loan

  • 20+ rules per lender, edited on screen, no coding needed
  • A loan can never be pledged twice. The database refuses it.
  • Every lender's file ready in one click
Illustrative
G7 · Private Bank C · TL-2
Priority rank 7 · Portfolio-constrained solver
v4 · eff. 01 Jul 2026
  • DPD≤ 0
  • CIBIL≥ 700
  • Seasoning≥ 3 MOB
  • Residual tenure6 – 36 m
  • Stateexcl. 3 states
  • Avg ticket (portfolio)₹40k – ₹60k
Edited by Treasury · 3 versions keptResolve preview →
02

Borrowings

Everything you owe, on one screen

  • Term loans, bank lines, NCDs and ECBs, taken vs still owed
  • What's due to each lender, and when
  • Each lender's rate, priority and limits in one lender master
Illustrative
Repayments due · 6 months
₹0.0 Cr
Nov peak
Aug 26
Sep 26
Oct 26
Nov 26
Dec 26
Jan 27
NCD · ECB · Term loan · Bank lineCoF 10.9%
03

Loan Book Insight

Know your book before your lenders ask

  • Products, customers, loan size and loan age at a glance
  • State-wise exposure, read against your caps
  • Loan health from on-time to SMA and NPA
Illustrative
Loan quality · DPD bucket
0.0%current
Roll rate ↓
Illustrative · Data-driven view
Built inThe things your auditor will ask for, ready from day one.
Live dashboard
What's pledged, what's free and how each lender is used.
Repayment tracker
What's due to each lender, and when.
Full audit trail
Who did what, when and why.
Access by role
Separate logins for Admin, Treasury and Viewer.
Works with your existing systems

Keep your LMS. Add Koshtaq.

Koshtaq sits alongside your loan management system (LMS) and reads from it. It is not an LMS and not a co-lending platform. Nothing to migrate and nothing to type in twice.

Upload a file, or connect directly

An Excel file works with any LMS. Prefer to skip the upload? Koshtaq can read straight from your LMS if it runs on a PostgreSQL-compatible database.

Your LMS carries on as usual

Origination, disbursement, EMIs and collections stay exactly where they are. Koshtaq only reads the loan book.

Lender rules, set up on screen

No coding and no waiting on a vendor. Copy a lender, change what's different and save it as a new version.

How deployment works
Built for India

Made for Indian lenders and the way they write their rules.

01
Speaks your lenders' language

DPD, CIBIL floors, state rules, product, employment type and loan age are all built in.

02
Ready for inspections and audits

Every action is logged with who did it, when and why, so you can show RBI inspectors and auditors a record nobody can edit.

03
Stays on your servers

Your loan book, customer data and lender terms never leave your network.

04
Fits NBFCs and HFCs

Built on a live NBFC book, and just as at home at a housing finance company with many lenders.

Audit log · what your auditor seesViewer · read-only
Time · User · Table
09:41:07priya.ncondition_groups
G7 v3 → v4 · Lender revised CIBIL floor
09:52:30priya.nquarantine
fix · 212 rows · Null state normalised
10:03:12systemallocation_run
Jul-2026 · done · 0 double-pledge
10:18:44r.menontranche_adjust
PSU Bank D · TL-1 · Prepayment received
Every row stays exactly as it was written.

Not an LMS.
Not co-lending.

Your loan management system makes and services the loans. Co-lending platforms split new loans with a bank. Koshtaq does neither: it works on the loans you already hold and decides, every month, which of them secure which lender.

Lender-by-lender rulesPriority-based matchingPool-level limitsState caps
Proof

Already running on a real loan book.

Not a pilot and not sample data. A mid-size Indian NBFC with 7,55,037 loans and 20 lenders closes its month on Koshtaq.

Measured at a live NBFC: 7,55,037 loans, 20 lenders. The same figures appear in KGT Solutions' case study.
BeforeWith Koshtaq
Month-end allocation20 days3 hours
Person-hours per cycle~320~3
Loans pledged twice (double hypothecation)~850 a year0
Checking the data5 days15 minutes
Bond Investor A · S-A
OK
BOND-A_20Cr · G2
Cover0.0%
Pledged ₹11.00 CrTarget ₹11.00 Cr
Private Bank C · TL-2
OK
PVT-C_TL2 · G3
Cover0.0%
Pledged ₹0.57 CrTarget ₹0.56 Cr
Listed NCD F · S-C
Alert
NCD-F_28.5Cr · G2
Cover0.0%
Pledged ₹20.84 CrTarget ₹34.20 Cr
Gap ₹13.36 Cr to allocate

Illustrative

Month-end used to take this team close to 20 working days. Two people worked on it, and the first 5 days went on cleaning the loan file before any real work could start.

The spreadsheet had no way to stop the same loan going to two lenders, and it happened around 850 times a year. Two lenders also set limits on the whole pool, which you simply can't check by eye across 7.5 lakh loans.

Now the month closes in about three hours. The database refuses a second pledge on the same loan in the same month, so double pledges went from about 850 a year to none, and every change sits on the record for the auditors.

Read the case study
Pricing & how to start

Two ways to buy. Both on your servers.

On-premise

One-time licence

Pay once and it's yours, installed on your own servers. The first three months of support are on us, then a yearly maintenance plan keeps it updated as lenders change their terms.

Support included

Yearly subscription

One yearly fee with support and updates included. Same installation on your servers, and your data never leaves your network.

How to start

From first call to live, in about a month.

  1. 01A 15-minute demoDay 0

    We run Koshtaq on sample data while you watch. No slides, just the real product.

    15:00
    left
    AKYouCFO
    Google Meet · screen share
    Calendar
    Koshtaq demo · sample data
    15 min
    • 00:00Upload a sample tape · health check
    • 03:00Hit Run · six steps, live
    • 07:00Edit a lender's rule · new version
    • 10:00Open the audit log
    • 13:00Your questionsno slides
    Run
    6 steps tick live
    Rule editor
    edit · version · clone
    Audit log
    who · what · why
    Nothing to install for the demo.
  2. 02A month on your own dataWeek 1

    Share a slice of your loan book and we'll run the full cycle on it, so you see your own results.

    Your slice · 50k rowsHealth check 99.9%
    L118204₹38,400MHcur
    L118935₹47,711KAcur
    L119666₹57,022TNcur
    L120397₹45,333GJDPD 12
    L121128₹54,644RJcur
    L121859₹42,955UPcur
    L122590₹52,266DLcur
    L123321₹40,577MHcur
    L124052₹49,888KADPD 12
    L124783₹59,199TNcur
    L125514₹47,510GJcur
    L126245₹56,821RJcur
    L126976₹45,132UPcur
    L127707₹54,443DLDPD 12
    L118204₹38,400MHcur
    L118935₹47,711KAcur
    L119666₹57,022TNcur
    L120397₹45,333GJDPD 12
    L121128₹54,644RJcur
    L121859₹42,955UPcur
    L122590₹52,266DLcur
    L123321₹40,577MHcur
    L124052₹49,888KADPD 12
    L124783₹59,199TNcur
    L125514₹47,510GJcur
    L126245₹56,821RJcur
    L126976₹45,132UPcur
    L127707₹54,443DLDPD 12
    Full cycle · run by us
    Allocation + analytics
    2h 48m
    • Lender A100.0%
    • Lender B100.0%
    • Lender C100.4%
    • Lender D98.7%
    • Lender E100.1%
    • Lender F71.2%
    Done · schedules + 6 analytics views0 pledged twice
  3. 03Live in 1–2 weeksWeeks 2–3

    We install it, set up your lenders and their rules, then run your first live month with you.

    Deployment · your servers
    Kickoff to first live cycle
    Day 0 of 14
    1
    2
    3
    4
    5
    6
    7
    8
    9
    10
    11
    12
    13
    14
    • Day 1Install
    • Day 3Lender master
    • Day 6Rules
    • Day 10First cycle
    • Day 14Live
    Then three months of support, followed by yearly maintenance.

No price list here, because every book is different. Ask on the first call and you'll get a number.

FAQ

Good questions, straight answers.

The things treasury, IT and audit teams ask us most. Every answer starts with the short version.

No. Koshtaq is installed inside your own infrastructure, so your loan book, customer data and lender terms stay on your network. Nothing is sent to us, and your book never sits next to anyone else's.

No. Your loan management system keeps handling lending, EMIs and collections. Koshtaq just reads the loan book each month and takes care of the lender side.

No. Co-lending platforms split new loans between a bank and an NBFC, and an LOS or LMS originates and services loans. Koshtaq works on the loans you already hold: it decides which of them secure which lender each month.

You change the rule on screen and save it as a new version. Earlier months stay exactly as they were, and the new rule applies from the next run. No coding needed.

Your monthly loan book (your book debts, loan by loan) and your list of lenders with their terms. That's all Koshtaq needs for the monthly hypothecation of receivables. An Excel file is fine, or Koshtaq can read straight from your LMS if it runs on a PostgreSQL-compatible database.

One to two weeks from kickoff to your first live month. We'll need your lender terms, a recent loan book and a few hours with someone from treasury to check the rules. We handle the rest.

Yes. Every action is logged with a name, a time and a reason, and nobody can edit the log. Auditors can have their own view-only login.

With a licence, the first three months of support are included, then a yearly maintenance plan covers updates and rule changes. With a subscription, support and updates come with the yearly fee.

Book a demo

See Koshtaq run on your own loan book.

Start with a 15-minute demo, or let us run a full month on a slice of your book.

Rather talk now?
Sales team
KGT Solutions
+91 87968 47991sales@kgt.solutions

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