India has over 10,000 NBFCs and thousands of microfinance institutions. The RBI's data localization rules require financial data to be stored within India. Razorpay and Airtel Payments Bank provide seamless digital payment rails. Kovara Cloud hosts your data in India, meeting RBI localization requirements by default (self-hosting available on Institutional when required).
Native integrations in India
Flip a switch and collect repayments the way your borrowers already pay. No middleware, no extra vendors, no markup on transactions.
Data sovereignty
Digital Personal Data Protection Act 2023 compliance isn't optional. Kovara Cloud hosts your data in your region — in your regulator's jurisdiction, fully managed. Self-hosting available on Institutional when required.
Full audit trails, maker-checker controls, and regulatory reporting built in. Designed for NBFCs, MFIs, SHG lenders, cooperative banks.
Kovara Cloud keeps member data hosted in your region, under your regulator's jurisdiction. Full compliance with local data protection requirements.
Field agents collect payments and onboard customers with no internet. Data syncs automatically when connectivity returns. Built for real conditions.
Built for India
Whether you're a village savings group or a licensed bank, Kovara has the features your institution needs at a price that makes sense.
Full lifecycle from application to closure. Individual, group, and solidarity lending with automated repayment schedules.
Savings accounts, fixed deposits, share capital, and recurring deposits with automated interest accrual.
Every transaction posts to the GL automatically. Chart of accounts, trial balance, income statement, and balance sheet.
Your logo, your brand, your domain. Members see your institution — not Kovara.
Connect your regional KYC and credit bureau providers. Run checks directly from the loan application screen.
Members check balances, apply for loans, and download statements from a branded portal or mobile app.
From $249/month. All features included. Deploy in India today.