Employee loans shouldn’t be a
paperwork nightmare.
Empower your workforce with flexible, transparent, and automated loan processing. Keka Loan Management brings structure, accuracy, and self‑service automation to help you manage disbursals, repayments, and policies effortlessly.
THE LOAN MANAGEMENT PROBLEM
Why manual loan handling fails modern organizations
Traditional loan tracking through spreadsheets and emails can slow down approvals, create payroll mismatches, and damage employee trust. Manual, disconnected processes often lead to inconsistent policy application, missing audit trails, and employee dissatisfaction, making loan administration a time‑consuming and error‑prone task for HR and finance teams.
Disconnected and manual systems
Spreadsheets and scattered data make tracking approvals, EMIs, and recoveries error‑prone.
Compliance and reconciliation challenges
Payroll mismatches and limited audit trails increase compliance risks and create extra work for HR & Finance.
Employee dissatisfaction and delays
Lack of visibility into balances and repayment status leads to employee frustration and mistrust.
WHAT MAKES KEKA LOAN MANAGEMENT DIFFERENT
Turning loan administration into a transparent, compliant experience
Keka’s loan module is built to simplify every stage, from application to closure - with zero manual follow‑ups or policy confusion.
Policy configuration that fits you
Spreadsheets and scattered data make tracking approvals, EMIs, and recoveries error‑prone.
End‑to‑end automation
Automate every stage request, approval, disbursal, repayment, and reporting through workflows.
Compliance built in
Ensure audit‑ready precision with SOC/ISO‑certified controls and data security.
Seamless payroll sync
EMIs auto‑deducted from payroll for accurate and timely settlements every month.
CORE CAPABILITIES
Engineered for accuracy. Designed for everyday HR and finance work.
Engineered for accuracy. Designed for everyday HR and finance work.
LOAN POLICY CONFIGURATION
Rules that reflect your organization’s structure
Set eligibility, limits, and tenures by department, level, or location, enabling consistent policy enforcement.
LOAN PRODUCTS & INTEREST TYPES
Flexibility for every kind of advance
Offer simple, compound, or zero‑interest loans with configurable repayment methods.
EMPLOYEE SELF‑SERVICE LOAN REQUESTS
Loan access at employees’ fingertips
Allow employees to apply for loans, upload documents, and track status via web or mobile, with total transparency.
APPROVAL WORKFLOWS & MAKER–CHECKER CONTROLS
Zero confusion, total visibility
Build configurable approval chains with maker, checker verification to eliminate errors before disbursal.
REPAYMENT SCHEDULING & AMORTIZATION
Flexible plans for real‑world needs
Create automated EMI schedules, allow rescheduling or top‑ups, and ensure repayment tracking stays accurate.
PAYROLL INTEGRATION
One source of truth
All approved EMIs are automatically reflected in payroll for precise deductions and seamless record alignment.
PREPAYMENTS & FINAL SETTLEMENT SUPPORT
For exits and early closures
Handle partial or full prepayments easily, ensuring smooth inclusion during Full‑and‑Final settlements.
DELINQUENCY HANDLING & RECOVERY WORKFLOWS
Stay on top of overdue payments
Track missed EMIs, view outstanding loans and write‑offs with complete transparency.
DASHBOARDS & ANALYTICS
Data‑driven financial control
Visualize loan exposure, repayment trends, and delinquency metrics in real time across all locations.
MOBILE APP ACCESS
Loan management on the go
Enable field or distributed employees to apply, check balances, and repay directly from their phones.
TRUSTED BY TEAMS WORLDWIDE
Simplifying employee loans with accuracy, visibility, and trust
See how innovative organizations are eliminating manual loan tracking through Keka’s automated loan management, ensuring flawless payroll deductions and better employee experiences.
Streamline loan and settlement processes
Build a structured, remote‑friendly system for managing salary advances, recoveries, and settlements effortlessly.
Automate loan disbursals & payroll deductions
Connect loan issuance and repayment tracking directly with payroll to eliminate manual tasks and ensure accuracy.
Enhance transparency for every employee
Provide employees with a single portal to request, view, and manage their loan status, EMIs, and settlement details anytime.
Read how Springworks automated salary advances and recoveries, shortening offboarding settlements from 45 days to 14 days.
Read case studyRead how Hartex Rubber integrated loan features within payroll for 100% accuracy and full visibility in money flows
Read case studyRead how Euro Cars improved loan transparency and cut manual reconciliation time by 48 hours using Keka
Read case studyWHY BUSINESSES LOVE KEKA LOAN MANAGEMENT
Loans you can trust, outcomes you can measure
Keka Loan Management helps HR and Finance teams replace fragmented, error‑prone workflows with one cohesive system built for accuracy and visibility.
Automate policies, payroll deductions, and compliance from one platform.
Frequently Asked Questions
A system that automates loan requests, approvals, disbursals, and repayments, eliminating manual tracking and errors.
Yes. You can configure any type – simple, compound, or zero‑interest, based on organization policies.
Keka automatically syncs approved loans with Payroll for precise salary deductions month‑on‑month.
Absolutely. Employees can settle loans early or through F&F closure, Keka updates repayment schedules instantly.
Keka ensures SOC/ISO‑certified, GDPR‑compliant data protection, with encrypted transfers and access control.
Yes. You can define multi‑level maker, checker workflows according to department and loan type.
Totally. Employees can apply, upload proofs, and track repayment anywhere using the Keka app.
Through Keka’s APIs and accounting connectors keeping general ledger and payroll data consistent.
