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Payroll

Payroll

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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.

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Employee loans shouldn’t be a paperwork nightmare.

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.

Rules that reflect your organization’s structure

LOAN PRODUCTS & INTEREST TYPES

Flexibility for every kind of advance

Offer simple, compound, or zero‑interest loans with configurable repayment methods.

Flexibility for every kind of advance

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.

Loan access at employees’ fingertips

APPROVAL WORKFLOWS & MAKER–CHECKER CONTROLS

Zero confusion, total visibility

Build configurable approval chains with maker, checker verification to eliminate errors before disbursal.

Zero confusion, total visibility

REPAYMENT SCHEDULING & AMORTIZATION

Flexible plans for real‑world needs

Create automated EMI schedules, allow rescheduling or top‑ups, and ensure repayment tracking stays accurate.

Flexible plans for real‑world needs

PAYROLL INTEGRATION

One source of truth

All approved EMIs are automatically reflected in payroll for precise deductions and seamless record alignment.

One source of truth

PREPAYMENTS & FINAL SETTLEMENT SUPPORT

For exits and early closures

Handle partial or full prepayments easily, ensuring smooth inclusion during Full‑and‑Final settlements.

For exits and early closures

DELINQUENCY HANDLING & RECOVERY WORKFLOWS

Stay on top of overdue payments

Track missed EMIs, view outstanding loans and write‑offs with complete transparency.

Stay on top of overdue payments

DASHBOARDS & ANALYTICS

Data‑driven financial control

Visualize loan exposure, repayment trends, and delinquency metrics in real time across all locations.

Data‑driven financial control

MOBILE APP ACCESS

Loan management on the go

Enable field or distributed employees to apply, check balances, and repay directly from their phones.

Loan management on the go

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 study

Read how Hartex Rubber integrated loan features within payroll for 100% accuracy and full visibility in money flows 

Read case study

Read how Euro Cars improved loan transparency and cut manual reconciliation time by 48 hours using Keka 

Read case study

WHY 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.

Loans you can trust, outcomes you can measure
Offer employee loans without the complexity

Automate policies, payroll deductions, and compliance from one platform.

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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.

Looking for a modern
HR platform?

See how Keka makes HR, payroll, and compliance effortless

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