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Cash Management System (CMS)
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Why Finkeda for
Cash Management?

No Branch? No Problem
Local retailers and merchants don’t need bank-like setups. With just a smartphone or computer, you can offer reliable cash management and loan collection services to customers in your neighborhood.
Instant Commissions on Every Collection
Earn as soon as a transaction is completed. Finkeda credits commissions instantly to your wallet with every successful EMI or loan collection, with no delays or follow-ups.
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Built for Rural and Semi-Urban India
From tier-2 towns to remote areas, our CMS network helps Finkeda Saathi provide important financial access to underserved communities where bank branches are far and few.
Live Tracking and Reports
You stay in control with instant receipts, real-time updates and downloadable reports. You can also view each transaction’s status, commission earned and customer details, everything in one dashboard.
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Get Started in 4 Easy Steps

Your path to becoming a financial service provider begins here. Offer critical services and grow your business with every EMI collection.
Step 1
1
Customer Visits Your Store
A customer walks in to pay their loan EMI or other dues. They provide the account details and the EMI amount. You access the CMS section on the Finkeda dashboard or app.
Step 2
2
Enter Customer Details
Input the loan account number or unique customer ID. Choose the lender from the dropdown list. Confirm the due amount and fetch the payment status in real-time. The system auto-generates the total payable with zero manual error.
Step 3
3
Accept Cash and Process Payment
Collect the exact amount in cash from the customer. Use your Finkeda login to process the payment securely. Finkeda routes the collection to the correct loan partner instantly. A confirmation screen appears immediately with all details.
Step 4
4
Receipt Generated, Commission Credited
Provide the customer with a printed or digital receipt. Get your commission credited to your Finkeda wallet instantly. The transaction is recorded in your history with downloadable proof. The customer avoids a trip to the bank and you earn trust and income.
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Key Features & Benefits

01
EMI Collection Made Easy
No complex forms or banking apps. Merchants can handle customer loans and EMI collections in real time using just the Finkeda platform, which is simple, fast and secure.
EMI Collection Made Easy
02
Works for Any Loan Type
Personal loan, gold loan, or microfinance EMI, our CMS system supports all kinds of repayments for multiple financial partners, giving your shop an edge.
Works for Any Loan Type
03
Always-On System
Finkeda CMS works 365 days a year. Even when banks are closed, your store can accept payments and provide receipts. And you become a trusted and dependable payment point in your locality.
Always-On System
04
Trusted Payment Routing
Each collection is mapped to authorised lenders and routed through verified bank networks. Customers and merchants both receive instant confirmation, so no doubts or delays.
Trusted Payment Routing
05
Boost Footfall and Build Loyalty
Offering CMS services turns your store into a go-to place for financial transactions. More visits mean more business, and your customers stay connected for the long run.
Boost Footfall and Build Loyalty
06
Secure Platform with Support
All transactions are encrypted and backed by RBI-compliant systems. And if you ever need help, our support team is just a call away.
Secure Platform with Support
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Our Partners

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Frequently
Asked Questions

What is Cash Management Service (CMS) offered by Finkeda?

Finkeda’s CMS allows local retailers to collect loan EMIs and cash payments without a bank branch. Customers pay at the shop. The agent enters loan details in the Finkeda system. Payments are routed instantly to the lender. Receipts are generated immediately. Moreover, the agent earns commission for every successful transaction.

How can businesses benefit from Finkeda’s cash collection services?

Businesses can expand their reach without opening branches. Finkeda Saathi will collect EMIs on their behalf, which will further reduce their operational costs. Transactions are secure and completed in real-time. All related reports are auto-generated. This entire process builds trust with customers and speeds up repayments. Partners also benefit from wider access in remote areas where banking infrastructure is limited.

Can NBFCs and banks integrate loan collection with Finkeda’s CMS?

Yes. NBFCs and banks can quickly integrate with Finkeda’s CMS using secure APIs. The platform supports all types of loans and ensures that collected payments go directly to verified bank accounts. It is a smart solution to reach remote customers, reduce default risk and lower collection costs. In addition, Finkeda takes care of compliance, onboarding, and setup to make the process smooth and hassle-free.

How secure is the cash handling process through Finkeda?

Every transaction is encrypted and follows RBI-compliant systems. Retailers enter data digitally, which leaves no room for manual errors or tampering. Cash is collected and digitally logged. Confirmation is instant, as both agent and customer receive receipts. All records are stored in a secure dashboard. Omorever, our team is available 24/7 for Support related to any issue that may arise.

What kind of reporting and reconciliation does Finkeda offer for CMS clients?

Finkeda provides real-time transaction history, downloadable reports and live updates. Each EMI payment is logged with details of the lender, amount and customer. The system shows commissions earned and payments processed. This helps with daily reconciliation and transparency. Partners can access the dashboard anytime for verification and summaries.

Is CMS available across rural and semi-urban locations in India?

Yes. Finkeda’s CMS is designed especially for tier-2 and rural areas. Local shops become trusted payment points. Customers no longer need to travel to a bank. EMI collections continue even on weekends. The whole process makes financial services more accessible and reliable for people in remote and underserved locations.

How can I partner with Finkeda for bulk cash or EMI collections?

Register as a Finkeda Saathi. After verification, you will receive access to the CMS section on the Finkeda app. From there, you can collect EMIs for multiple lenders. Larger institutions can also partner directly through the B2B integration setup and API. You earn commissions on every successful transaction.

Does Finkeda offer real-time tracking or dashboards for CMS?

Yes. The CMS platform gives you access to a live dashboard where you can instantly view payment status, customer details, lender information, and commissions earned. You can download reports anytime and generate receipts on the spot. This makes it easy to track every transaction and resolve disputes quickly. The system updates everything in real time to keep your records accurate and well-organised.

What industries can benefit from cash management and collection via Finkeda?

Banks, NBFCs, microfinance firms, and fintech platforms benefit the most. Retail, gold loan, education loan and personal finance providers also find value. Any business that relies on recurring cash payments or EMI collections can use Finkeda’s CMS to cut costs, reach more people and offer timely repayment options.