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For NBFCs & microfinance

Every field visit to a borrower should leave a record.

E-Tracker gives loan officers and collection staff a daily route, borrower and centre visits with check-in and check-out, and live location during their shift — with an audit trail your branch managers and compliance team can rely on.

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The operational risk in field operations

For NBFCs and microfinance institutions, the field is where the business happens: sourcing, verification visits, centre meetings and collections. It is also where most operational risk sits. Officers cover many borrowers a day, and the branch often learns what happened only when the officer returns.

That delay creates room for missed visits, disputes about whether an officer came at all, and inaccurate reporting of field activity. Regulators expect fair practices and clear records of contact with borrowers, and management expects reliable numbers.

A field officer app has to make every borrower visit traceable — who visited, when and where — without slowing down an officer who has many centres to cover.

What to look for in a field officer app for NBFCs and MFIs

  1. A record of every borrower visit. Time and location on every centre and borrower visit, with notes.
  2. Routes and coverage. Planned routes compared with actual visits, per officer and per branch.
  3. Duty-hours tracking. Live location and trails during the shift, for supervision and dispute resolution.
  4. Branch-level approvals. Approval policies and roles that match your branch hierarchy.
  5. An audit log. A record of administrative changes for compliance reviews.

Features

How E-Tracker solves it

01

Route plans for centres and borrowers

Plan each officer's route of centre meetings and borrower visits. Branch managers see planned versus actual coverage for the day.

Route plan for a field agent with nine customer stops from Mumbai to Pune, visit times and completed check-ins
02

Visits with check-in, check-out and notes

Officers check in at each centre or borrower, log the outcome and check out. The visit history by borrower shows every contact with its time and location.

03

Live location and trails

Branch managers see officers on the team map during the shift and can replay any officer's trail for the day. Tracking runs only between punch-in and punch-out.

Live route tracking of a field agent travelling from Mumbai to Pune, with check-ins, distance and estimated time
04

Approvals, roles and audit log

Approval policies route leave, expenses and other requests to the right manager, roles control who sees what, and the audit log records administrative changes.

Go live in days

How it works

  1. 1

    Load centres and borrowers

    Add centres and borrowers as clients, set up branches as offices with geofences, and plan routes.

  2. 2

    Officers visit and log

    Punch in, follow the route, and check in, log and check out at every centre or borrower.

  3. 3

    Review and report

    Branch managers review visits and trails daily; head office sees activity across branches.

Case study · Microfinance institution

Illustrative scenario

Field activity across 12 branches, visible the same day

An MFI with 12 branches and 90 field officers relied on end-of-day registers to know which centres were visited. With route plans, visit check-ins and live trails in E-Tracker, branch managers review coverage the same day, and when a borrower disputes a visit, the record is there.

Based on how teams in this industry typically roll out the product. Figures are representative, not a specific customer's results.

90field officers
12branches on one map
100%visits with time and place

Pricing example

What it costs for 5 employees and 1 field agent

A simple example on the Essential plan, with the Field Tracking add-on. Every extra employee or agent is added at the same per-person rate, so it is easy to work out for your own team. Start with a free trial and pay only when you continue.

  • Selfie + location punch in / out
  • Office geofences, shifts and breaks
  • Leave, comp-off, WFH and holidays
  • Regularization and approvals inbox
  • Employee records, documents and roles
Compare all E-Tracker plans
E-Tracker · Essential
  • Essential plan · 5 employees × ₹29₹145
  • Field Tracking add-on · 1 × ₹99₹99

₹244/month + GST

Prices per month + GST. Pay monthly, quarterly, half-yearly or yearly — yearly is billed at 10× monthly (2 months free).

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FAQ

Frequently asked questions

Can officers record EMI collections and issue receipts?

Payment recording is part of E-Tracker's CRM and is being rolled out. Today officers log each visit's outcome in the visit log, with custom fields for the details you track.

Can E-Tracker integrate with our loan management system?

Direct integration is not available today. Borrowers and centres are added as clients in E-Tracker.

How does it support fair-practice reviews?

Every visit is stored with its time and location, trails show movement during working hours, and the audit log records administrative changes.

Can different branches have different managers and rules?

Yes. Offices, departments, roles and approval policies let each branch route approvals to its own managers.

How is it priced?

Essential (₹29 per employee) plus Field Tracking (₹99 per field user) per month.

Try E-Tracker free

Start with a free trial, no payment needed. Book a demo if you would like a walkthrough first.

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