LendSphere Secured
Disburse gold loans in minutes.Close audits without scrambling.
LendSphere is the Gold Loan LOS/LMS & NBFC lending software purpose-built for Indian NBFCs — end-to-end vault custody workflow and RBI audit-ready lending operations.
Built for Indian NBFCs
Designed against RBI Master Directions for gold loan NBFCs — by ops leaders who have run branch networks.
The need of the hour
Gold and silver jewellery-backed lending teams need audit-ready systems that can keep up with growth and scrutiny.
- Increasing regulatory audits focused on physical collateral
- Growing branch networks increasing operational and fraud risk
- Manual vault registers and spreadsheet-based custody tracking
- Generic loan systems that don't model packets, seals, and purity
Audit-first architecture for RBI-regulated NBFC operations
Workflow Focus
Vault custody checkpoints with audit-ready handoff evidence
Gold Loan LOS/LMS workflows designed for NBFC branch operations and compliance review.
What you get with LendSphere Secured
Branch execution, custody controls, and compliance confidence in a single operating layer.
- Real-time collateral visibility
- Audit-ready data and reporting
- Reduced fraud and operational risk
- Faster, reliable loan operations
- Maker-checker approvals for critical actions
- Scales with branches and AUM
Total collateral visibility
Track gold and silver collateral movement across every branch in one control plane.
Secure custody workflows
Vault handoffs, seals, and packet actions are recorded with maker-checker control.
Audit-ready operations
Every action is traceable by user, branch, and timestamp for forensic review.
Who it's for
Purpose-built for gold and silver jewellery-backed lending teams who manage physical collateral and audit trails.
Gold Loan NBFCs
Run gold and silver jewellery-backed lending with standardized vault and appraisal workflows.
Silver Loan NBFCs
Track purity, packets, and collateral movement across branches.
Cooperative Banks
Adopt audit-first custody workflows for jewellery-backed loans with maker-checker approvals.
Designed for operations, risk, and compliance teams managing physical collateral across branches.
Built for your team
One product, three teams — each sees the slice of the workflow that actually drives their outcomes.
Ops & Risk leaders
For Operations
- Disbursal SLAs, queue dashboards, and workload routing across branches.
- Exception handling with maker-checker approvals and event-level traceability.
- Custody intake, packet movement, and release controls in one workflow.
Compliance & Internal Audit
For Compliance
- Tamper-evident logs for every high-risk action — ready for RBI inspections.
- Export-ready audit evidence with filtered timelines and reviewer sign-off.
- Policy controls mapped to workflow steps, not bolted on after the fact.
Branch & Area heads
For Branch Managers
- Daily closing, vault reconciliation, and cash-position visibility at a glance.
- Staff workload and queue depth at each counter through the day.
- One-click escalation paths for overdues, risk alerts, and waiver requests.
Why LendSphere stands ahead
Purpose-built for gold and silver jewellery-backed lending teams that need custody control and audit-ready operations.
Built for Gold & Silver Jewellery-Backed Lending
Ornament Level Tracking
Vault & Custody Workflows
Full Audit Trails
At a glance
Branch trends
Queue visibility
Disbursal control
Built for daily branch control
Focused operational views for disbursal cadence, collections drift, and branch performance tracking.
Portfolio Analytics
Track disbursal, collections, and branch deltas in one operating view.
Overview Monitor
Compare regional performance with trend and risk context.
Executive Snapshot
Share compact, decision-ready KPI layouts for leadership reviews.
See LendSphere Secured in action
Watch guided walkthroughs, then explore real platform screens across operations, onboarding, vault custody, and compliance.
Branch Control Map
See branch queues, overdue buckets, and disbursal completion in one control surface.
Command Center (Light)
Use light-mode command center visuals for campaign and onboarding communication.
Vault Custody Workflow
Map intake, locker mapping, release confirmation, and chain-of-custody checkpoints.
Video Walkthrough
Branch Dashboard Walkthrough
Daily branch control, queues, vault metrics, and risk alerts.
Video Walkthrough
Vault and Custody Workflow
How custody movement and controls are managed end to end.
Screens & Workflows
Click any screen to expand
Branch Operations Dashboard
Track disbursals, due buckets, and live vault alerts for each branch.
Branch Trends & Performance
Analyze disbursement, collections, and loan closures over time.
Vault Register
Track pledged packets by vault, locker, and custody release status.
Loan Disbursal Detail
Review sanctioned amount, net disbursal, and charge adjustments.
Document Templates
Upload and manage stage-specific templates for generation and signing.
Borrower Onboarding Flow
Guide onboarding through PAN, Aadhaar, bank details, and review steps.
Organization Dashboard
Monitor portfolio-level metrics, overdue buckets, and risk alerts.
Audit Logs
Filter and export immutable event history for compliance investigations.
Branch Administration
Manage branch codes, cities, default branch flags, and activation status.
Full Application Journey
Track complete lifecycle activity from onboarding to closure with timeline and status snapshot.
Charges Catalog
Configure charge codes, tax applicability, and accounting behavior.
Branch Operations Dashboard
Track disbursals, due buckets, and live vault alerts for each branch.
Branch Trends & Performance
Analyze disbursement, collections, and loan closures over time.
Vault Register
Track pledged packets by vault, locker, and custody release status.
Loan Disbursal Detail
Review sanctioned amount, net disbursal, and charge adjustments.
Document Templates
Upload and manage stage-specific templates for generation and signing.
Borrower Onboarding Flow
Guide onboarding through PAN, Aadhaar, bank details, and review steps.
Organization Dashboard
Monitor portfolio-level metrics, overdue buckets, and risk alerts.
Audit Logs
Filter and export immutable event history for compliance investigations.
Branch Administration
Manage branch codes, cities, default branch flags, and activation status.
Full Application Journey
Track complete lifecycle activity from onboarding to closure with timeline and status snapshot.
Charges Catalog
Configure charge codes, tax applicability, and accounting behavior.
What changes on day one
Not a feature list — the operational shifts your team will feel in the first month.
Hoursnot days
Audit-evidence assembly
Filtered timelines and reviewer sign-off replace spreadsheets and screenshots.
100%
Ornament-level traceability
Every packet, seal, and handoff is logged by user, branch, and timestamp.
1operating layer
Across every branch
Ops queues, vault custody, and compliance review in a single control plane.
RBI audit-ready operations and compliance controls
Run NBFC lending software with role-based governance, vault custody workflow traceability, and evidence-ready reporting.
LendSphere embeds governance into Gold Loan LOS/LMS workflows so leadership teams can scale branches without compliance uncertainty.
Audit-ready trails
Every action is logged with user, time, branch, and workflow context.
Data masking and consent
Aadhaar and PAN masking with consent capture and secure document handling.
Role-based control
Granular access, maker-checker approvals, and exception tracking.
Regulatory alignment
Workflows designed around Indian lending norms and internal policies.
Immutable audit review dashboard
Combine filtered logs, compliance status checks, and role-based review context in one auditable screen.
From the field
Playbooks and policy notes for NBFC lending, vault custody, and RBI-audit evidence — written by our operations team.
Gold and Silver Collateral Policy
Why Your Vault Register Won't Survive an RBI Inspection in 2026
Manual gold loan vault registers fail RBI inspection on chain of custody, dual control, and ornament-level traceability. Here is what audit-ready vault operations look like in 2026.
RBI Compliance
What RBI Compliance Means for Gold Loan NBFC Operations
What RBI Compliance Means for Gold Loan NBFC Operations. India-first compliance guidance for NBFC lending teams running gold and silver loan workflows with audit-ready controls.
RBI Compliance
RBI Audit-Ready Lending Operations: Practical Checklist
RBI Audit-Ready Lending Operations: Practical Checklist. India-first compliance guidance for NBFC lending teams running gold and silver loan workflows with audit-ready controls.
Gold Loan LOS/LMS FAQ for NBFC lending teams
Answers on onboarding, KYC, disbursal controls, custody workflows, repayments, defaults, compliance, and integrations.
+What is LendSphere?
LendSphere is a secured lending LOS/LMS platform that helps lenders run the full loan lifecycle, from onboarding and KYC to disbursal, repayment, and closure.
+Who is LendSphere built for?
It is designed for NBFCs, lending companies, and branch-led secured lending operations.
+What loan journeys does LendSphere support?
It supports borrower onboarding, PAN and Aadhaar KYC, application and pledge capture, underwriting, document signing, disbursal approvals, servicing, and closure.
+Does LendSphere support gold and silver-backed lending?
Yes. It supports secured lending against pledged collateral with valuation, custody, and release workflows.
+How does disbursal approval work?
LendSphere supports maker-checker controls so request creation and approval are handled by different users.
Book a demo
See LendSphere in 20 minutes.
Three fields to start. We'll email to schedule — no pushy calls.
We'll walk through the slice of LendSphere that matters most for your team — ops queues, vault custody, or compliance evidence. No generic decks.
Demo Snapshot
Branch operations control board
Gold Loan LOS/LMS workspace for queue monitoring, disbursal tracking, and risk alert decisions.
Pricing
Per-branch licensing. No per-loan fees. Exact pricing shared on the call.