Minto by Bizzbots
Branches, brands and licences; complete customer KYC with fraud detection by face; RFID-tracked vault packets; schemes, loans, renewals, top-ups and redemptions; accounts behind every entry and the reports to run on. Your data stays with you — private and safe.
Why Minto
Interest by the day or the month, part payments, renewals, top-ups, penal interest, GST on charges, closures and waivers — kept in registers and spreadsheets, one mistake costs money and a customer's trust. Minto does the arithmetic, keeps the books and records who did what.
Your business, the way it is organised
Run every branch on the same books; staff work at their own branch, managers across several.
Several firms — each with its own PAN — under one login, and switch between them in a click.
Trade under more than one brand, each with its own GSTIN, documents and numbering.
Roles decide what each person may see and do, action by action; approved computers only, within your working hours.
Live books for real business and testing books for learning, so new staff can practise without touching real money.
Link each branch to its money-lending and other licences, and keep their validity in view.
Separate registers per licence and branch, each with its own gapless document numbers.
Loans above a teller's limit, or below a scheme's rates, go to an approver before they are paid out.
Every employee signs in with their own login; each computer is approved before it can open your books.
Customers and KYC
Personal details, addresses, contacts, nominees, bank accounts, photographs and documents — each checked and approved.
Aadhaar, PAN, Voter ID, Passport and Driving Licence, with duplicate numbers caught before they are saved.
Face recognition flags a customer who has committed fraud within the Bizzbots network — before you lend. Find any customer again from a photograph.
Group customers your way, and price loans for each category with its own scheme.
The same customer across every loan, branch and firm — never typed in twice.
Follow-up dates on every loan, with messages ready to send on WhatsApp.
Jewel Loan
Daily or monthly interest, rate slabs by amount, charges, penal interest and grace days — a scheme for each kind of customer.
Item-by-item valuation at your lending rate, the eligible amount worked out for you, and the ticket printed.
Renew a loan on the same or a new scheme, with the interest settled and the new loan numbered.
Lend more against the same pledge when its value allows, with no new charges.
Take interest, principal or both, in any amount; Minto applies it and moves the dates correctly.
Close a loan with the settlement worked out, waivers approved, and any excess held or booked.
Hand the ornaments back only to the right person, confirmed by the customer's one-time code.
Raise funds by repledging ornaments with your own lender, and track which packets are out, with whom and for how much, until they return.
Return some ornaments while the rest stay pledged.
Highest-grade vault security
Each pledge goes into an RFID-tagged packet. Minto audits your whole loan inventory in minutes — every packet in the vault checked against the loan book — and tracks each packet's movement from counter to vault to release, so you have a complete trail of who handled it, when and where.
Accounts, reports and tools
Mobile apps
The owner and staff on Android and iPhone: today's business, loans and customers, approvals waiting, follow-ups due — with exactly the access each person has on the desktop, role by role and branch by branch.
Your customers see their loans, interest due and payment history, and get reminders — only when you enable their access, on the one mobile number you verify, and only for your firm.
How to start
Your data stays with you
Your customers, loans and accounts stay with you — kept in India, backed up every day, and never shared. We only keep Minto running and up to date.
See every feature →Pick a plan and start today, or write to us with your questions.