CMS Collection – Doorstep Cash & EMI
Digitize collections with agent routing, QR/UPI fallback, receipt printing, and real‑time reconciliation. Built for NBFCs, MFIs, utilities, and field networks.
What is CMS Collection?
CMS (Cash Management Services) Collection enables field agents to collect EMIs, utility dues, deposits, and fees at customer premises or service points. Each collection is tracked with geo‑tagging, device ID, payer details, and instant receipt.
- • Cash pickup with denomination capture
- • UPI/QR fallback for digital acceptance
- • On‑device receipt printing / SMS receipts
- • Geo‑tagging, route & visit logs
Why Anada for CMS?
- ✔ Agent app with offline capture & sync
- ✔ Real‑time reconciliation and mismatch flags
- ✔ Role‑based approvals & escalations
- ✔ White‑label dashboard and multi‑branch hierarchy
- ✔ T+0/T+1 settlement and granular MIS
How CMS Collection Works
1) Assign & Route
Back‑office assigns customers; agent app shows route, KYC, dues, and reminders.
2) Collect
Record cash denominations or accept UPI/QR; validate payer ID and amount.
3) Acknowledge
Print receipt or send SMS; capture geo‑tag, timestamp, and device fingerprint.
4) Reconcile
Auto‑post to ledger/MIS; flag mismatches; settle to institution account as per cycle.
Key Features
Agent App & Offline Mode
Capture collections offline with secure local storage; sync when online.
Geo‑Tag & Proof
GPS location, photos (optional), and device ID bind every collection.
Receipts & Notifications
Thermal printouts, SMS/WhatsApp receipts with QR for verification.
Risk & Limits
Per‑agent carry limits, route caps, and vault/branch handover checkpoints.
Realtime Dashboard
Live totals, variances, heatmaps, and exception queues with SLAs.
Integrations
Core/CRM, UPI collection, payout rails, and S3‑style doc storage.
Who Can Use CMS?
- • NBFCs, MFIs, co‑ops, utilities, and large distributors
- • Networks with field agents and route operations
- • KYB/KYC completed; risk policy & SOPs in place
Compliance
- • AML screening for high‑value cash, suspicious patterns
- • Data protection, consent capture, and audit trails
- • SOPs for cash handling, escorts, and vault handover
Reconciliation
Auto‑match collections with ledger using payer ID, receipt number, route, and timestamp. Variances are flagged with reason codes and routed to approvers with SLA timers.
- • Denomination tally & envelope/packet IDs
- • Branch/vault handover checkpoints with OTP
- • Exception workflows for short/excess & reversals
Settlement & Pricing
T+0/T+1 settlements to institution accounts; configurable commission models (per visit, per collection, or % fees). Download MIS, route sheets, and e‑receipts from the dashboard.
Contact sales for volume slabs and white‑label terms.
CMS FAQs
Can agents work offline?
Yes. Collections are stored securely and synced when back online, with conflict checks.
How do you prevent pilferage?
Geo‑tagging, route caps, per‑agent limits, OTP at handover, and reconciliation SLAs reduce risk.
Is UPI supported for CMS?
Yes. Use dynamic UPI/QR for digital acceptance; receipts reconcile to the same payer record.
Can we integrate our CRM?
We offer APIs and webhooks for lead/loan/customer sync, and S3‑style storage for proof docs.
Launch CMS Collection with Anada
Enable doorstep collections, digitize receipts, and reconcile in real time with strong controls.