Track Credit · Collect On Time · Grow

Track Credit · Collect On Time Grow Your Business

Smart CRM for dealers & distributors to manage supply credit, recover dues on time, and track business growth effortlessly.

Create Free NidhiRaksha Account See how it works

🇮🇳 No credit card required • Made for Indian Businesses

Secure & Encrypted

Works smooth on desktop & mobile

LIVE PORTAL

Portfolio & Collections Overview

Today

Active Credits

128

Collection Eff.

93.4%

Defaults

Due Today

₹ 2,45,000

Collected (30 days)

₹ 18,60,000

On-Risk Customers

Designed for CPs managing real-world lending portfolios.

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Built for modern credit partners

Secure Cloud Infrastructure Multi-tenant finance engine Real-time analytics Built in India

What exactly does NidhiRaksha do?

NidhiRaksha is a finance CRM built for Credit Partners dealing in supply credit/udhaar. It connects customer onboarding, credits, collections, defaults and reporting — so your financial operations stay organized, secure and easy to track.

Customer Management

Aadhaar-based customer identity, multiple credit profiles, contact history and address details — all stored in one clean ledger.

Credits & Payments

Issue structured or flexible credits. Add due dates, receive payments, generate receipts automatically and track outstanding amounts.

Defaults & Recovery

Automatic default detection, call-to-collect reminders, due notes and complete recovery history with statuses.

End-to-end lending workflow

Built around the real lending workflow.

From onboarding to closure, NidhiRaksha replaces offline registers, Excel sheets and WhatsApp chats with a unified system built for lending collections.

Onboard a customer

Add Aadhaar & basic KYC once. Customers can have multiple credits across branches and CPs — no duplicate data.

Create structured or flexible credits

Choose structured (installments auto-generated) or flexible (single commitment date). Track interest, due amounts & payment history.

Collect payments & track reports

Call from within CRM, mark collections, generate receipts and monitor growth, efficiency & risk across the entire portfolio.

Due Certificates & NOCs Instant Payment Receipts Smart collection insights

Clean dashboards

Portfolio view, upcoming dues, at-risk customers, and activity streams at a glance for every CP.

Advanced reports

Collection trends, credit mix, risk analysis, growth and forecast powered by Chart.js and your finance data.

Secure architecture

Laravel 12, role-based access, and a hardened multi-tenant schema built for serious CP portfolios.

Mobile-first experience

Optimized layouts for CPs working on laptops, tablets or phones – dashboards that feel at home in the field.

Powerful reporting & risk engine out of the box.

Portfolio analytics, collection efficiency, risk score and recovery trends — all packed in one live dashboard, built for Credit Partners who want control over their money.