Centre → group → member
Set up centres, link groups to them, and add members with their own loan. Field officers see their centres in meeting order.
QUICK ANSWERGroup loan management software handles Joint Liability Group (JLG) and Self-Help Group (SHG) loans: it organises borrowers into centres and groups, prints or shows a meeting-day collection sheet, records each member's payment, tracks any shortfall the group covers, and reports overdue at both member and group level. FastFee Lending does all of this with weekly, fortnightly or monthly schedules, an offline-capable field app and branch-wise reporting.
GROUP LENDING
Group Loan Management Software for JLG and SHG Lending
Group lending runs on a rhythm: centre meetings, weekly or fortnightly installments, and a group that stands behind each member. FastFee Lending models that rhythm directly, so your field officers collect by centre and group while every member keeps an individual ledger.
Last updated 31 October 2026
CAPABILITIES
What you get with FastFee Lending
Meeting-day collection sheet
One sheet per centre meeting showing every member's due, so the officer collects the whole centre in a single pass.
Member-wise ledgers
Each member has an individual installment schedule and payment history, even though collection happens at group level.
Joint-liability tracking
When the group covers a member's shortfall, record who paid for whom, so the member's balance and the group's contribution are both correct.
Group and member DPD
See overdue by member and by group. One weak member shows up before the whole group slips.
Flexible schedules
Weekly, fortnightly or monthly installments, aligned to the centre's meeting day.
JLG vs SHG: what the software has to handle
| JLG (Joint Liability Group) | SHG (Self-Help Group) | |
|---|---|---|
| Typical size | Usually 4 to 10 members | Usually 10 to 20 members |
| Who borrows | Each member takes an individual loan | Often a loan to the group, shared among members |
| Liability | Members guarantee each other | Group is responsible for repayment |
| Repayment rhythm | Weekly or fortnightly at centre meetings | Monthly is common |
| What to track | Member ledger plus group shortfall | Group loan plus member shares |
Group sizes and structures vary by lender and programme. Configure FastFee to match your own product rules.
A centre meeting, step by step
- The officer opens the day's centres in the app, offline if there is no signal in the village.
- For each group, the collection sheet lists every member and the amount due today.
- The officer marks each member's payment: full, partial, or not paid.
- If the group covers a shortfall, it is recorded against the member who missed, so liability stays traceable.
- Receipts go to members by SMS or WhatsApp once the phone syncs, and the branch sees the centre's collection immediately after.
Example: recording a joint-liability shortfall
A five-member JLG has a weekly installment of ₹600 per member. This week one member pays only ₹200, and the other four cover the remaining ₹400 together. FastFee records it like this:
| Member | Due | Paid by member | Covered by group | Member still owes group |
|---|---|---|---|---|
| Member A | ₹600 | ₹600 + ₹100 cover | — | — |
| Member B | ₹600 | ₹600 + ₹100 cover | — | — |
| Member C | ₹600 | ₹600 + ₹100 cover | — | — |
| Member D | ₹600 | ₹600 + ₹100 cover | — | — |
| Member E | ₹600 | ₹200 | ₹400 | ₹400 |
Illustrative numbers only. The loan installment is fully collected for the lender, while the ₹400 Member E owes the group stays visible for the next meeting.
WHY FASTFEE LENDING
Built for the centre meeting, not the back office
- Collection sheets in meeting order, ready before the officer leaves the branch.
- Works offline in villages and syncs when the phone gets signal.
- Group and member overdue in the same branch report.
- Runs alongside individual loans, multiple branches and bank reconciliation.
Frequently asked questions
What is the best group loan management software for JLG and SHG?
FastFee Lending is built for Indian MFIs and NBFCs that lend through JLGs and SHGs. It manages centres, groups and members, generates meeting-day collection sheets, keeps member-wise ledgers, tracks joint-liability shortfalls and reports overdue at member and group level.
What is a JLG loan?
A JLG (Joint Liability Group) loan is a microfinance loan given to individuals who form a small group, usually 4 to 10 people, and mutually guarantee each other's repayment. Each member has an individual loan, and the group is collectively responsible if a member cannot pay.
Can FastFee track a shortfall that the group pays for a member?
Yes. You record which members covered the shortfall and how much, so the lender's installment is complete, the defaulting member's balance to the group stays visible, and the history is auditable.
Does the group loan app work without internet?
Yes. Field officers can record centre collections offline, and the data syncs to the branch and head office automatically when the phone is back online.
Can I run group loans and individual loans together?
Yes. Group loans and individual loans can run side by side in the same branch, with combined and separate reports.
More FastFee Lending capabilities
FastFee Lending supports the loan lifecycle from credit check and disbursement to collection. Final credit decisions, interest rates and regulatory compliance remain with the lender.