NBFC and Wellness Software Munger — Bihar Rural Finance and Yoga Centre Management 2026

NBFC and Wellness Software Munger — Yoga City Financial Technology 2026

Munger's dual identity — rural Bihar's agricultural economy and international yoga tourism hub — creates two distinct software needs. Rural MFIs serve Munger district's underserved farming and artisan communities with group microloans. The yoga and wellness sector, anchored by Bihar School of Yoga, needs retreat management, international payment processing, and student administration software. MICS provides purpose-built technology for both sectors.

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NBFC and MFI Software for Munger

Munger's Rural Credit Market
Munger district's population — predominantly rural, engaged in agriculture, small-scale manufacturing, and artisan trades — has limited formal credit access. MFIs provide JLG group loans to women for livelihood activities. NBFCs provide gold loans and MSME loans to Munger's small business community.

MICS NBFC/MFI Software
- RBI Digital Lending Directions 2025: KFS, APR, V-CIP, LSP compliance
- JLG management: centre meeting, attendance, group guarantee, repayment tracking
- Gold loan: MCX daily rate, LTV 75%, auction management
- Individual MSME loan: underwriting workflow, disbursement, EMI schedule
- Offline mobile: loan officer field app without internet dependency
- Multi-branch: Munger HQ + Begusarai, Khagaria, Lakhisarai branches
- Bihar Money Lenders Act: state registration and compliance
- CIMS: monthly RBI supervisory reporting
- PAR report: portfolio at risk by branch and loan officer
- Pricing: Rs. 8,000–18,000/month

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Wellness Centre and Yoga School Software

Bihar School of Yoga Model — Retreat Management
International yoga schools and retreat centres have complex management requirements:
- Course catalogue: yoga teacher training, retreat programmes, residential courses
- Student registration: international and domestic student application processing
- Residential management: room assignment, meal preferences, check-in/check-out
- Fee collection: multi-currency — INR, USD, EUR, GBP, AUD via Razorpay/Stripe
- Certificate issuance: Yoga Alliance RYT 200/500 completion certificate generation
- Visa support: invitation letter generation for international students
- Pricing: Rs. 8,000–20,000/month

Ayurveda and Wellness Centre Software
- Patient/client management: Ayurvedic consultation record, treatment history
- Panchakarma scheduling: treatment room allocation, therapist assignment
- Herbal medicine: ayurvedic formulation inventory, expiry tracking
- Billing: GST-compliant wellness service billing
- Telemedicine: online consultation with Ayurvedic physicians
- Pricing: Rs. 5,000–12,000/month

Herbal Product Business
- Manufacturing: batch production tracking for herbal oils, supplements
- Quality control: lab test result management
- Inventory: raw material, WIP, finished goods
- Sales: e-commerce integration, distributor management
- AYUSH licensing: product registration and compliance tracking
- Pricing: Rs. 6,000–15,000/month

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Hospital Software for Munger

Munger's private hospitals serve Munger, Khagaria, Lakhisarai district patients:
- OPD + IPD management: patient flow and bed management
- Pharmacy: drug inventory and billing
- Ayushman Bharat: Bihar PM-JAY claim processing
- Pricing: Rs. 6,000–16,000/month

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Compliance

- GST: wellness centre, ayurveda centre GST (healthcare vs. wellness service distinction)
- HRMS: Bihar minimum wages, EPFO, ESIC — no PT in Bihar
- AYUSH: Ministry of AYUSH product registration for herbal medicines
- FSSAI: food safety for herbal food supplements

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Pricing Summary

- NBFC/MFI software: Rs. 8,000–18,000/month
- Wellness centre ERP: Rs. 8,000–20,000/month
- Hospital HMS: Rs. 6,000–16,000/month
- GST + HRMS: Rs. 5,000–10,000/month

Free consultation for Munger businesses: +91 9355273535 | admin@mics.asia