Loan management software for government & public finance
Scheme-based sanctioning, zone and entity data scoping, grant-deduction recovery, board-order waivers and statutory certificates. This is the sector GoDravix was built in.
GoDravix runs in production at a state government finance board that lends to municipalities across more than a hundred borrowing bodies, seven lending schemes and three zones. The workflows on this page are not adapted from retail lending, they are the workflows the platform was built to run.
Public sector procurement is slow and evidence-driven. A live reference in the same class of institution is usually worth more than a feature list.
What works today
- Scheme-based sanctioning
Loans are sanctioned against configured schemes carrying their own interest rates, rather than each loan being priced individually.
- Grant-deduction recovery
Recovery netted against transfers already due to the borrowing body, the mechanism retail lending platforms have no concept of.
- Board-order waivers
Waivers carry the approving authority, the order number, an explicit principal / interest / penal split and supporting documents.
- Statutory certificates
Outstanding Balance, Interest Repaid, Cancellation, NOC Closure, Part Payment and Waiver, generated from live ledger balances.
- Multi-tier oversight
A regional permission sees one zone in full. A borrower sees only itself, through its own portal login. Scoping is enforced at query level.
- Append-only audit trail
Every lifecycle transition, accrual run, waiver and certificate, attributed and timestamped. No role can edit or delete an entry, including Admin.
- Half-yearly recovery cycles
Added July 2026 for scheme lending that recovers twice a year rather than monthly.
- Role-based user manuals
One per default role, with screenshots, produced for the live deployment and handed over as part of the work.
Outside scope for this sector
- On-premise and government cloudDeployment shape is chosen per engagement: our managed cloud, your private cloud, your own infrastructure, or a government cloud where policy requires it.
- SOC 2Not held. ISO 9001 and ISO 27001 are held by DigiWagon and cover how GoDravix is built and supported.
- DigiLocker and e-SignNo integration with government signing infrastructure. Documents are signed outside the platform. Single sign-on is built and configured against your identity provider.
- Multi-tenancySingle-tenant as deployed. A shared deployment across several boards would need the multi-tenancy work first.
Some of it is built into an engagement, some is genuinely out of scope, and some is development we can quote against your requirement. Which one it is depends on your workflow, and that is a fifteen-minute conversation rather than a guess.
Workflows this sector actually runs
Sanction against a scheme with a board resolution
The scheme carries the interest method, rate and penal rate. The sanction references the resolution that authorised it. A second permission approves before any money moves, and the disbursement action stays unavailable until that approval is recorded.
Release funds in tranches as the project progresses
Infrastructure and development lending rarely releases in one payment. Each tranche is typed INITIAL or ADDITIONAL, dated, referenced, and interest accrues from its own date rather than from sanction.
Recover through grant deduction
Rather than the municipal body writing a cheque, the amount due is deducted from a grant the state is already transferring. The deduction is recorded as a repayment event and allocated down the standard waterfall.
Waive by board order, with the order on the record
The waiver captures which body approved it, under which order number, how much of principal, interest and penal is being relieved, and where the funding sits. Supporting documents attach to the waiver event itself.
Give each tier the view it is entitled to
Zone-level oversight sees every body within the zone. The borrower sees a totals-only dashboard of its own loans through its own portal login. An independent audit permission sees the whole portfolio read-only, including the full event log.
Issue the certificate the borrower needs for their own audit
An Interest Repaid Certificate for the municipal body’s accounts, an Outstanding Balance Certificate as at a stated date, an NOC on closure, each generated from the live ledger and logged as an issuance event.
For this sector
Yes. It is in production at a state government finance board that on-lends to municipalities, currently holding a migrated portfolio of roughly 195 loans across more than a hundred borrowing bodies, every one of them migrated from legacy records and reconciled loan by loan before cut-over.
We will arrange a call with the board’s accounts team through the programme’s lead contractor. Publicly, it is a state government finance board.
Yes. Deployment shape is chosen per engagement rather than fixed by the product: our managed cloud, your private cloud, your own infrastructure, or a government cloud where policy mandates it. Raise the requirement in the first conversation so your infrastructure and security teams are in the scoping rather than reviewing a decision already made.
DigiWagon Technologies holds ISO 9001 and ISO 27001, and GoDravix is developed and supported under those certified systems. We send both certificates with their scope statements so your evaluation committee can verify the scope rather than tick a box.
SOC 2 is not held and DPDP alignment has not been formally assessed. Where security is also evaluated on controls and architecture, the append-only audit trail, enforced role separation and query-level data scoping are the strongest part of the submission.
The deduction is recorded as a repayment against the loan, with its date, the grant-deduction method and a reference. It then allocates automatically down the waterfall (penal, interest, principal) exactly as a cheque repayment would. The ledger shows the split, and the entity dashboard reflects the reduced position. There is no automated hook into the treasury system that issues the grant; the deduction is entered by your team.
They are migrated through a documented method that rebuilds each loan’s timeline and reconciles the resulting balance against your existing figures before cut-over. We have done this on a real multi-year municipal loan. Where the historical interest convention cannot be reproduced exactly, the variance is quantified per loan and the treatment agreed in writing.
See it on a book like yours
We demo the live production deployment. Bring the workflow you think will break it.
45 minutes | On the live deployment | A straight answer on fit