The only affordable LMS with CIMS portal integration, Video KYC, co-lending engine, and AI credit scoring — everything RBI now mandates for NBFCs & MFIs.
No setup fee for first 3 months • Go-live in 4–8 weeks • 24/7 support
As of 2025, RBI mandates all NBFCs to implement:
Non-compliance can lead to RBI penalties, license cancellation, or operational restrictions.
MICS LMS is built ground-up for India's regulatory environment
CIMS portal reporting, board-approved policies, Key Fact Statement auto-generation — all RBI 2025 mandates built-in.
Real-time Video KYC with face-match, Aadhaar XML OTP, PAN verification, and CKYC sync.
ML-based borrower risk assessment using bureau data, bank statements, and behavioral signals.
Bank-NBFC co-lending as per RBI CLM guidelines — automated profit sharing, reconciliation, reporting.
Straight-through processing from approval to disbursement. UPI, IMPS, NEFT integration.
Every action timestamped and logged for RBI inspections, CIMS compliance, and internal audits.
Borrower can apply, track loan status, download statements, and make repayments — 24/7.
Direct integration with RBI CIMS portal for mandatory supervisory data reporting.
60–70% lower than enterprise alternatives. No hidden fees.
or ₹3,00,000/year (save ₹60,000)
"MICS delivered our RBI-compliant LMS in 90 days. CIMS reporting, Video KYC, co-lending — everything worked from day one. Our NPAs dropped 25%."
Operations Head
NBFC, Lucknow, UP
"We evaluated 5 vendors. MICS was the only one who actually understood RBI Digital Lending 2025 requirements. And their pricing is 60% lower than alternatives."
CEO
MFI, Patna, Bihar
MICS LMS starts at ₹30,000/month — significantly lower than alternatives charging ₹20–80 lakh/year. Includes full RBI compliance, Video KYC, CIMS reporting, and 24/7 support.
Yes. All 2025 RBI mandates are built-in — CIMS portal, Video KYC, board-approved policies, Key Fact Statement, audit trail, and co-lending model compliance.
Typical deployment is 4–8 weeks. We handle setup, data migration, staff training, and go-live support. No setup fee for first 3 months.
Yes. Our co-lending engine supports RBI's Co-Lending Model (CLM) — automated profit sharing, reconciliation, and reporting between your NBFC and partner banks.
Free 30-min demo. See CIMS reporting, Video KYC, and co-lending engine live. No commitment.