The agentic loan servicing platform for the live book.
Servicing, monitoring, collections and recovery on one platform. Agents work the routine cases inside your guardrails, your team decides the exceptions, and every action lands on the record.
Lokta is the agentic loan servicing platform for NBFCs, banks, fintech lenders and lending service providers (LSPs). Lenders run the live book on it after approval, inside their guardrails: servicing, monitoring, collections and recovery on a deterministic core. Agents propose, the lender's core decides, the record proves it. From the team behind Apache Fineract, for lenders in India and beyond.
Built by the team behind Apache Fineract*, the open-source lending core used by lenders in 70 countries.
~$500B
Cumulative loan principal
65M+
Borrowers served
70
Countries
Aggregate impact attributed to the Mifos/Fineract ecosystem, not Lokta directly. Read the impact essay
Most businesses end at delivery. Lending begins there.
Approval is the start of the exposure, not the end of the sale. Everything below is about the years that follow it.
Why it matters
Profit per loan disbursed. That is the outcome to measure.
Each repayment and recovery on your book can inform the next reviewed policy. Whether it improved the outcome is measured, not assumed.
01
See the whole book every morning.
What came in, what did not, and which accounts need a person before the day closes. Servicing, collections and the ledger on one record, so nobody reconciles a spreadsheet to find out.
02
Agents work the routine cases.
Payment queries, mandate follow-ups and promises to pay are answered and routed by agents, inside the limits your policy sets. Anything that changes the record passes your core's checks and approvals first.
03
Test the next policy before you trust it.
Agents can evaluate hundreds of servicing and collections candidates in the time a risk team ships one. Your team decides what goes live, and the book measures whether it worked.
The goal is operating cost that stops scaling linearly with the book. Every agent action logged and replayable. Audit by design isn't the pitch: it's the price of admission.
Lokta Next 100 · application-only, India
Two years with no platform fee, for NBFCs with AUM up to ₹100 crore.
The loan management system, collections, loan accounting and reporting, with maker-checker and a full audit trail from the first loan. Your current system keeps running beside it until the balances tie out.
NBFCs with AUM up to ₹100 crore at enrolment, excluding pure-play microfinance. The fee stays at zero for 24 months while AUM holds at or below the cap. A new licence with no book yet also qualifies.
AUM at enrolment
Up to ₹100 cr
Platform fee for 24 months
₹0
Per month on AUM after the free term
1 bps
The team
The team that built the rails the industry runs on. Rebuilt for the agentic era.
Built by the original architects and builders of Apache Fineract. Lokta is what we'd build if we started today.
"You cannot run a bullet train on narrow-gauge rails. The track width is the architecture. That's why we started over."
AI proposes. The core decides. The record proves it.
Agent-native means the operators of the book are agents: software that reads the loan, decides, and acts. Every agent action is a governed write, checked against your policy before it touches the book.
Agents read the book
Software that reads the loan, decides what should happen next, and writes the proposal down before anything moves.
Your guardrails decide
Built and governed in AI Studio, the AI control plane authorises, scopes, logs, and verifies agent actions. A kill switch is built in. The agent proposes. It does not post to the ledger. Your core does.
The record proves it
Two ledgers, the same inputs always producing the same outputs, and state changes on the loan record replayable for whoever asks.
One platform for servicing, collections and recovery. And it runs on the core you already have.
Servicing, collections, and compliance, all on one ledger, with a loan product studio and servicing agents on the same canonical model. Or keep your existing Loan Management System (LMS) and run the agents on top of it.
In lending, the autonomy you can audit is the only autonomy that scales.
How we engage
Founder-led adoption. Not a vendor pitch.
A small number of institutions at a time: banks, NBFCs, and fintechs building a deliberate adoption, not a SaaS sign-up. If you already run a book, nobody is asked to cut it over. Three ways in, depending on the book you run.
The trade: before any loan moves, we agree with your risk and compliance people what the pilot has to prove. That is slower than a SaaS sign-up, and it means the first result is one your model risk review can check rather than take on trust.
NBFCs up to ₹100 crore AUM, in India
Lokta Next 100
The full platform with no platform fee for up to two years, then 1 basis point a month on AUM. Application-only. Four questions, no documents.
On your book and your policy, not a generic demo. Write in and a founder usually comes back within one business day, with times or a straight read on fit.
Apache, Apache Fineract and Fineract are trademarks of the Apache Software Foundation. Lokta is not affiliated with, sponsored by or endorsed by the Apache Software Foundation, the Mifos Initiative, or any other company named here.
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