Features
Everything your lending business needs
From automated reminders to borrower app — LoanBell handles your entire customer communication.
Channel 1 — Free Forever
Push Notifications
The moment your borrower scans your QR code and installs the app, you get a free direct channel to their phone forever.
- Delivered even when phone is locked
- Works offline (cached)
- ₹0 per notification — unlimited sends
- Borrower sees loan details in one tap
- No app store — installs via QR scan
Push Notification
Rajan Gold Finance
Your ₹45,000 loan is due tomorrow — 14 May 2026
Cost: ₹0.00
Channel 2 — Reliable Fallback
SMS Reminders
For borrowers who have not installed the app. DLT-registered, compliant with TRAI. Works on any phone.
- DLT-compliant (TRAI registered)
- Tamil, Telugu, Hindi, English
- Auto-fallback when no app installed
- Delivery reports tracked
- Custom message templates per shop
SMS Message
Dear Murugan, your ₹25,000 gold loan at Rajan Gold Finance is due tomorrow. Please visit the shop. - FINATE
Cost: ₹0.18
Channel 3 — For Critical Cases
Automated Voice Calls
For seriously overdue accounts. Pre-recorded IVR in the borrower's language. Even elderly customers who ignore SMS will pick up a call.
- Fires at D+3 and D+7 overdue automatically
- Pre-recorded in Tamil, Telugu, Hindi, English
- Works on any mobile or landline
- Call status logged in dashboard
Incoming Call
Rajan Gold Finance
Automated reminder call
Cost: ₹0.30
Intelligence
Automatic reminder schedule
Set your loan due date once. LoanBell fires the right reminder at the right time.
D-7
7 days before
Push
D-3
3 days before
Push + SMS
D-0
Due date
Push + SMS
D+3
3 days over
SMS + Voice
D+7
7 days over
SMS + Voice
D+15
Auction warn
SMS