GoDravixA product byDigiWagon
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Platform overviewLoan Lifecycle CoreInterest & Accrual EngineRecovery & RepaymentCertificates & Audit TrailReporting & DashboardsMove your loan book without losing its history
The AI layerMigration CopilotDocument IntelligenceAnomaly & Reconciliation GuardAsk-Your-PortfolioEligibility & Risk ScoringCollections AssistantIn-app CopilotNo lending book takes AI off the shelf
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The GoDravix platform, module by module

Five built modules covering sanction to closure, plus an AI layer built for your book rather than shipped as one fixed version. Here is what each one does and where its edges are.

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The platformfive modules, one ledger
The GoDravix platformFive modules feeding a single append-only ledger.Lifecyclesanction → closureInterestsimple · compound · penalRecoverypenal → interest → principalCertificatessix types, from balancesReportingfive reports, all exportOne ledgerAppendonlyEvery module writes to the same trailActor, action and timestamp, appended, never edited
22 of these run today
Five modules, one ledgerEvery module writes to the same append-only trail

GoDravix is a loan management system that runs the post-sanction life of a loan: approval, disbursement, interest accrual, repayment allocation, waivers, certificates, closure and the audit record behind all of it. Schemes, interest rates, borrowing entities and data scoping are configuration rather than custom code, and so are roles and permissions. Form fields and certificate formats are fixed today, changing those is development work.

What follows is the capability ledger. Built means running in the live deployment today.

Loan Lifecycle Core

Sanction, maker–checker approval, single or multi-tranche disbursement, repayment, waiver, closure and NOC. Disbursement stays blocked until the approval actually happens.

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Interest & Accrual Engine

Simple and monthly-compound interest with a separate penal rate. Accrual runs on demand, and existing accruals can be recomputed when a back-dated entry changes the picture.

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Recovery & Repayment

Automatic waterfall allocation, penal, then interest, then principal. Monthly, half-yearly or yearly frequency. Grant deduction and cheque recovery methods.

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Certificates & Audit Trail

Six statutory certificates generated from live balances, plus an append-only event log that records who issued what and when, with no edit path and no delete path.

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Reporting & Dashboards

A portfolio dashboard filtered by financial year, scheme and zone, five standard reports and a full running ledger, every one of them exportable to Excel or PDF.

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The AI layer

Built for your book

Seven capabilities designed around one rule: AI will propose, the deterministic engine and a human will approve. Each is being built with the lenders who will use it.

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The five modules above run in the live deployment. The AI layer does not. See the full capability ledger.

Roles and data scoping

Six duties out of the box, then shape them to your org chart

These are duties first and job titles second, because the titles are yours to change. Approval separation is enforced in the workflow, not by convention, and data scoping at query level, not by hiding a menu item.

  1. 01
    Loan entry and administration

    Creates loans and manages masters, schemes, borrowers and users. Cannot approve its own work. Ships as Admin.

  2. 02
    Sanction approval

    Approves or rejects a sanction. Until this happens, disbursement is blocked in software. Ships as Loan Officer.

  3. 03
    Disbursement and accounting

    Releases approved funds, records repayments, runs interest accrual. Ships as Accountant.

  4. 04
    Regional oversight

    Read access scoped to one zone. Sees every borrower within it, nothing outside. Ships as Regional Supervisor.

  5. 05
    Borrower access

    A borrowing organisation's own login. Sees its own loans, statements and correspondence, nothing else. Ships as Borrower.

  6. 06
    Independent audit

    Read-only across the portfolio, with full access to the append-only event log. Ships as Auditor.

These six are the default, not the limit. A role builder and a granular permission editor let you rename any of them, add a seventh, split duties differently or restrict a single action, without a development cycle. Data scoping stays enforced at query level whichever way you configure it.

The lifecycle

How a loan moves through the system

Six states, each one an audited event. A loan cannot skip a step.

  1. 01

    Sanction

    Created against a scheme, with amount, rate and frequency.

  2. 02

    Approve

    Approved or rejected. Disbursement stays blocked until this clears.

  3. 03

    Disburse

    Released in full or in tranches, with dates and references.

  4. 04

    Accrue

    Interest runs on demand and recomputes after back-dated entries.

  5. 05

    Recover

    Repayments allocate penal, then interest, then principal.

  6. 06

    Close

    Waiver or full repayment, then a closure certificate and NOC.

The capability ledger

What runs today, and what we build with you

One authoritative list, kept current. Every other page defers to it, which is why none of them hedge.

Stage one

Shipping today

22 capabilities running in the live deployment, not on a roadmap.

  • Loan lifecycleSanction, approve, disburse, repay, accrue, waive, close, NOC
  • Maker–checker approvalEnforced per loan; disbursement blocked until approval exists
  • Tranche disbursementINITIAL and ADDITIONAL, dated, referenced, remaining tracked
  • Interest engineSimple and monthly-compound, with a separate penal rate
  • On-demand accrualExplicit logged runs, with recompute after back-dated entries
  • Repayment waterfallPenal, then interest, then principal, always re-derivable
  • Repayment frequencyMonthly, half-yearly and yearly
  • EMI schedulesAmortisation schedule generated at sanction, per frequency
  • Recovery methodsGrant deduction and cheque
  • WaiversAuthority, order number, P/I/penal split, funding type, documents
  • CertificatesOutstanding, Interest Repaid, Cancellation, NOC, Part Payment, Waiver
  • Running ledgerEvery event in sequence with the balance after it
  • Roles and permissionsSix default roles, a role builder and a granular permission editor
  • Data scopingZone-level and entity-level isolation enforced at query level
  • Borrower portalEach borrower logs in to its own loans, balances and ledger, read-only
  • DashboardsPortfolio view by FY, scheme and zone; totals-only borrower view
  • ReportsOutstanding, Repayment, Scheme-wise, Entity-wise, Overdue
  • Audit trailAppend-only and attributed. Once live, no edit path and no delete path, for any role
  • Multi-factor authenticationOn GoDravix logins, and on DigiWagon systems under ISO 27001
  • Single sign-onBuilt. The identity provider is configured per deployment
  • MastersSchemes with rates, borrowers, users
  • Excel and PDF exportOn every report and on the running ledger
Stage two

Built with you

Named and sequenced, scoped into an engagement. Nothing here is hidden behind a sales conversation.

  • The seven AI capabilitiesIn build with design partners; Migration Copilot first
  • Deployment shapeManaged cloud today. Private cloud, on-premise or government cloud is scoped per engagement
  • Multi-tenancy and white-labelSingle-tenant as deployed
  • Custom fields and templatesNo form builder or certificate template editor
  • Additional loan productsWorking capital, JLG, gold, floating-rate housing, co-lending
  • Collections moduleNo DPD buckets, ageing, promise-to-pay or agent allocation
  • Borrower transactionsThe portal is read-only: no online payment, request or upload
  • IntegrationsNACH, UPI, bank feeds, accounting, e-sign, KYC, messaging, API
  • SOC 2Not held; DPDP not formally assessed. ISO 9001 and ISO 27001 are held
Next step

Bring us your hardest requirement

Send the workflow no vendor has handled properly. We will tell you whether it is configuration, development or out of scope.

45 minutes | On the live deployment | A straight answer on fit

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