Guides for daily finance, NBFC and micro-finance businesses
These DailyRupee guides explain the everyday maths and practice of Indian collection lending: how daily loan interest is calculated, how Pigmy deposits work, flat versus reducing rates, fair collection practices, managing agents and cash, KYC for small loans and how to bring overdue down. Each guide uses worked examples you can check.
KYC checklist for small loans: documents to collect and how to protect them
A practical KYC checklist for small and daily loans: identity, PAN, address proof, photos and guarantors, plus good practice for masking and protecting data.
Read guide ToolsExcel vs loan collection software: when should a lender switch?
Compare Excel and loan collection software for daily finance: collections, schedules, agents, reports and risk. Know when a spreadsheet stops being enough.
Read guide OperationsHow to manage collection agents and run a daily cash handover
A practical routine for managing collection agents: routes, daily targets, field visibility and a cash handover process that catches differences the same day.
Read guide Getting startedHow to start a daily finance business in India: a practical overview
A practical overview of starting a daily finance business in India: licensing in general, capital, loan plans, KYC, agents and record-keeping. Not legal advice.
Read guide Business modelsDaily vs weekly vs monthly loan collection: which model fits your business?
Compare daily, weekly and monthly loan collection models: cash flow, agent workload, risk, borrower fit and costs, with a side-by-side table and example.
Read guide CollectionsHow to reduce overdue in a daily finance business
Practical steps to cut overdue in a daily finance business: screening, follow-ups, promise tracking, reminders and agent routines you can start this week.
Read guide Compliance and conductRBI fair practices for collection agents: what lenders should know
A general summary of RBI fair practice principles for loan recovery: calling hours, respectful conduct, agent identification and transparency. Not legal advice.
Read guide Loan calculationsFlat vs reducing interest rate: what is the difference and which costs more?
Understand flat and reducing balance interest with a ₹1,00,000 worked example, a comparison table and tips for explaining it to borrowers.
Read guide Pigmy savingsPigmy deposit scheme explained: how daily savings collection works
What is a pigmy deposit scheme, how do daily collections, passbooks and maturity work, and what should agents and institutions track? A plain-English guide.
Read guide Loan calculationsHow to calculate interest and daily installments on a daily collection loan
Learn how to work out the daily installment, total repayment and real cost of a daily collection loan, with worked rupee examples and a reference table.
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