India's 1st Core Banking software

Core Banking software for NBFCs, since 2003

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iBanking NBFC software is built on an advanced technology platform - a cloud-native application architecture by adopting a microservices architecture. Cloud-first design principle has been well-tested to future proof our client’s business with a modern secure plaftorm.

Cloud-first Design - Integrate Anything, Anywhere, Anytime

iCrats’ are winning market share by serving customers at around one-fifth of the cost it’s competitors Software demand on Banking Software license, Network bandwidth, processing capacity, storage, server farm, Infrastructure, myriad of software licenses, and more. It’s incredibly low resource-intensive software without compromising on its high performance characteristics.

iBanking Suite is the next-generation feature-rich retail core banking software for

NBFC companies

Co-operative banks

Nidhi Companies


Credit unions

Co-operative societies

iCrats' is the forerunner in introducing new features and are the leading software providers for NBFCs (Non-banking financial companies) in South India since 2003. We are one among the first to introduce ABB, Core Banking, Online Gold loan, Analytics, Disaster Recovery, Direct payment, Debit Cards, Wallets, CKYC and are in the process of introducing Artificial Intelligence to scale new heights in NBFC domain. Our NBFC applications can be hosted on Linux or on Microsoft platforms.

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All of our NBFC software are available on both cloud and on-premise depending on your choice. You may choose a subscription model suitable for you whether it is an - NBFC Software as a service (SaaS) model or NBFC software on managed private cloud or NBFC software on a fully self-controlled on-premise model

We lead others follow in innovation in NBFC software in South India – Kerala and Tamil Nadu.

Establish Your Lending Business with iBanking Online, an Online Gold Loan Software

Moving in step with the digital era, our online Gold loan software will help attract the business of young generations who depend on smartphones for anything and everything. The existing customers will find the Online facility more convenient to make transactions which in turn will play a pivotal role in retaining and finding more business from them.

Using iBanking online facility customers can register themselves and make all transactions online anytime anywhere, beyond time and place. The customers can withdraw loan amounts and renew loans upto the eligible limit, make interest and principal repayments on their gold loans using Debit Card, Net banking and Unified Payments Interface (UPI).

The loan amount is credited to the customers’ savings/current bank account registered with the NBFC. The loan is disbursed on the basis of the value of Gold already pledged at a branch. During renewal, the customer has the option to choose the desired loan scheme. The system will show the maximum eligible amount based on loan tenure and gold rate.

Doorstep Banking

We know time is the most valuable asset and we value the same in our customers. With this goal in mind we started the Doorstep Banking Services which makes banking with us practically effortless. We provide Agency Banking for Onfield Operations & Doorstep services for customer acquisitions, collections, disbursements, overdraft and many more.