The problem
Charge filings involve documents, signatures and statutory timelines, coordinated across borrowers, branches and professionals. Missed steps are easy and costly.
Filings tracked in email and spreadsheets
No single view of which filings are pending, with whom, and by when.
Timelines at risk
Delays in documents or signatures push filings close to or beyond statutory timelines, adding fees or risk.
Satisfactions forgotten
Closed loans whose charges are never satisfied, leaving inaccurate registry records.
Incomplete documentation
Filings rejected or reworked because documents or details were missing.
How it works
Initiate
A filing request is raised from a sanction, modification or closure, with the right document checklist.
Prepare
Documents are collected and checked, with automatic reminders to borrowers and branches.
Approve
Maker-checker review before filing, with every step logged.
Track
Filings are tracked against statutory timelines until the registry reflects the change.
What you receive
- Workflow for creation, modification and satisfaction of charges
- Document checklists and automatic reminders
- Maker-checker approvals with a full audit trail
- Due-date tracking against statutory timelines
- Status dashboard and filing records for every charge
Technology plus expert review
Our platform applies your rules consistently to every account. Senior credit professionals then review exceptions and validate outputs, so you get the speed of automation with the judgement of experienced bankers.
Who it's for
- Credit administration and operations teams
- Banks and NBFCs with high volumes of secured lending
- Lenders fixing issues found in a registry discrepancy report
Frequently asked questions
Do you file the charges for us?
We manage and track the workflow and coordinate with the professionals and borrowers involved. The operating model is agreed with each bank.
Can it cover existing pending filings?
Yes. We can take over a backlog, prioritise it by due date and risk, and clear it in a tracked way.
Does it connect with the discrepancy report?
Yes. Findings from our ROC/CERSAI discrepancy report can flow straight into the workflow for correction.
How do we see progress?
Through a status dashboard and periodic reports showing pending, completed and overdue filings.