Enterprise Software for MSME Business Loans

Ken-SOFTIL : Institutional Lending

SOFTIL (Software for Institutional/Industrial Lending) is an ERP scale Lending software solution which is tailor made for Banks, NBFCs and Financial institutions engaged in the business of Term loans, working Capital loans etc. Ideal for the MSME sector. This domain enriched software has end to end integration for managing the entire spectrum of business loans. It has an evovled knowledge base incorporated into it's systems.

NBFC ERP Software for Business Loans

Distinguishing Features

Ken-SOFTIL features an interest calculation based on a combination of interest frequency & rule based calculation methodology. This includes simple or compounded rates with Principal first concept (Typically used for staff loans) & Interest only EMI (Typically used for Gold Loans). It also has Auto appropriation for multiple accounts of one customer based on pre-defined criteria.

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Kensoft-National Award Winner

National Award Winner - IT Excellence

SOFTIL has been appraised by IDBRT of the Reserve Bank of India for its design & software capabilities of handling large projects with medium to high level OLTP. It is a National Award Winning Software Solution for Excellence in IT across the BFSI sector. SOFTIL offers a structured model for Business Loan appraisal with all required qualitative and quantitative parameters including financial viability ratios. Our Recovery management framework tracks Identification and listing of first-time and subsequent defaulters with Ageing analysis of bad loans and calculation of provisioning required. It further facilitates effective NPA Management & discussions with Auditors and regulatory bodies like RBI etc.

SOFTIL has been developed ground upwards with domain inputs from professionals involved with actual day-to-day work in major Financial institutions & NBFCs. SOFTIL is at a degree of proven quality and excellence acheived through Kensoft's expertise in design and development for over a decade with built-in knowledge-based DSS (Decision Support Systems).

Our modules are developed with a self-guiding workflow designed to stay in tune with all operational aspects of a Lending institution. SOFTIL has a comprehensive Credit Appraisal Management syetem with an extensive Credit Rating Builder which handles dynamic changes in methodology on various changes in rating parameters.

Integrated Core Modules

Some key core modules which are integrated with SOFTIL are the Collateral Security Management System, Asset Liability management, Risk Management Framework, Loan integrated Financial Accounting Suite, Recovery Management and Performance Control with Customer Service Utilities & much more.


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Business Technology Partners

Kensoft : Oracle Gold Partner

Oracle Gold Partner

Kensoft's suite of Enterprise FinTech Products are qualified on the world's best Oracle RDBMS and Fusion Technology. As an Oracle Gold Partner for over 10 years, we provide Support Assurance for Oracle database implementations and Application Server Management & Tuning.

  • Oracle Solutions Showcase


  • Kensoft's FinTech Applications are designed and optimized for the industry's broadest and most integrated Oracle Cloud Platform.

    Oracle Cloud Ready

AWS Technology Partner

Amazon Technology Partner

KenCloud Financial Applications are integrated with Amazon Web Services. Our software applications are designed and developed on multi-tier web architecture.

IBM Business Partner

IBM Business Partner

With our Server management & Computing expertise and IBM's Support and resources, we can guide you on how to manage and maintain your Data Centre in the most efficient, secure and cost effective manner on IBM - Softlayer.

National Award Winner | IT Excellence - Banking & Finance Software Solutions

Kensoft Infotech Ltd. is a proud recipient of the CSI National Award for IT Excellence in the BFSI sector at the 48th CSI Convention. The award was conferred by Mr. J Satyanarayana, Secretary, Department of Electronics & Information Technology, Government of India, Mr. S V Raghavan, President of CSI and Scientific Secretary to the Union Government, Mr. Anil Srivastava, Joint Secretary to the Ministry of Civil Aviation & Chairperson other senior officials of Government of India. There is a marked presence of industry stalwarts & IT experts at the CSI Convention, such as the CTO - Bank of America, MD - VMware, CIO - Wipro Ltd. and other esteemed dignitaries. The Computer Society of India has instituted this National Award for those who have implemented exemplary projects in the field of IT to meet their organizational goals and improve service delivery to the target segment. Formed in 1965, the Computer Society of India (CSI) has been instrumental in guiding the Indian IT industry down the right path since its formative years. Today, the CSI has over 73 chapters with more than 90,000 members, including India's most famous IT industry leaders, brilliant scientists and dedicated academicians. The finalists and star participants were Datamatics Global Services Ltd, Mahindra & Mahindra Financial Services Ltd, Union Bank of India, Kensoft Infotech Ltd, Tech Mahindra, Bharat Heavy Electricals Ltd, iGate, IBM, Reliance Infra and other corporations of distinguished stature.