Lokta

Lokta is ranked #3 of 30 in loan management software on The Geeks Club. It runs on API, Linux, Self-hosted, Web. There is a free plan. Paid plans start at ₹1/mo.

Lokta plans and pricing

All plans

Lokta Next 100 Free ₹0 platform fee for 24 months NBFCs with AUM up to ₹100 crore at enrolment · excludes pure-play microfinance NBFCs · migration ₹1 lakh one-time plus applicable taxes · bank integration ₹50,000 plus applicable taxes lokta.ai · 30 Sept 2026

Lokta Next 100 after free term ₹1/mo 1 bps per month on AUM (₹1,000 per crore), plus applicable taxes Begins after 24 months or when average monthly AUM exceeds ₹100 crore for two consecutive months · AI usage metered separately lokta.ai · 30 Sept 2026

Compared on loan management software

Free plan: No
Deployment: both
Interest calculation: both
Payment scheduling: Yes
Borrower portal: Yes
API access: Yes
Loan types supported: Personal loans, consumer durable and BNPL, vehicle and EV loans, home loans, loan against property, business/MSME loans, supply-chain and invoice finance

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Lokta

What it does: Lokta is an agentic loan servicing platform for servicing, monitoring, collections and recovery after loan approval.
Target customers: It serves banks, NBFCs, fintech lenders and lending service providers.
Loan coverage: The platform supports personal, consumer durable and BNPL, vehicle and EV, home, loan-against-property, business/MSME, and supply-chain or invoice-finance books.
AI governance: Agents propose actions while the deterministic core checks policy and approvals before changes reach the ledger.
Origination limit: Loan origination, underwriting, credit decisioning and origination-time pricing are currently out of scope.
Integrations: Lokta connects to NACH and UPI rails, payment aggregators, core banking and escrow, credit bureaus, co-lending partners, collection agencies, and WhatsApp channels.
Integration safety: Every feed is risk-rated and proven safe in a controlled path before it can write to the live book.
AI models: The integration page lists OpenAI, Anthropic, Google Gemini, Meta Llama, Mistral, Cohere and self-hosted open models as supported model choices.
Security controls: The stated posture includes Keycloak OIDC/OAuth2, RBAC, maker-checker workflows, structured audit trails, schema-per-tenant PostgreSQL isolation, field-level PII encryption, TLS and optional mTLS.
Data residency: Tenants can pin deployments to a specific region, with separate deployments for each residency boundary.
Support: Lokta says bureau reporting, email support and phone support are included in the Next 100 programme.
Adoption model: The company uses founder-led adoption with a small cohort of lenders and starts with a drift audit before anything moves.
Price from: ₹1/mo

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Where it ranks on The Geeks Club

Best Loan Management Software in 2026#3 of 30

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Sources

lokta.ai· checked 30 Sept 2026
lokta.ai/platform/· checked 30 Sept 2026
lokta.ai/about/· checked 30 Sept 2026
lokta.ai/integrations/· checked 30 Sept 2026
lokta.ai/lms-rfp/· checked 30 Sept 2026
lokta.ai/next-100/· checked 30 Sept 2026