For NBFCs & finance
HRMS software for NBFCs and finance companies
Kuzhu is HR and payroll software for Indian NBFCs, microfinance institutions and finance companies: every salary change, approval and payment recorded with who, what and when, maker-checker chains on anything that moves money, access to salary and bank details granted by role down to the field, GPS-tagged punch for collection and sales staff across branches, and payroll with incentives, PF, ESI and state-wise professional tax computed in the run. Registers come from the run, not a retyped sheet.
Every change
kept with before, after, who and when
Maker-checker
approval chains on money movements
Field-level
role-based access to salary and bank data
Today
What month end looks like in nbfcs & finance
The auditor asks who approved it
A salary revision was agreed on a call, keyed into the sheet by whoever had it open, and paid. Six months later internal audit asks who approved it and when, and the answer is a search through old email.
Branches and field staff on WhatsApp
Collection executives and branch staff across two states report attendance on a group; the branch manager forwards a count on the first, and payroll runs on numbers nobody can trace back to a day or a place.
With Kuzhu
How the modules answer it
Every module reads the same employee record, so nothing below is an integration; it is one system seen from four sides.
Maker-checker on every yes
Salary revisions, incentive approvals, expense claims and letters route through chains you configure by amount, department and role, with delegation when an approver is away and a trail of who approved what, exportable for audit.
Approval Workflows module
Access by role, down to the field
Who can see salary, PAN, bank details and Aadhaar is a permission you grant, not a default. Every change to a record keeps the before, the after, the user and the time, for the auditor and for you.
Employees & Org Structure module
Branches and the field on one muster
GPS-tagged mobile punch for collection and sales staff, biometric or web punch at branches, late and half-day rules by policy and a live view of who is in at which branch today, across every state you operate in.
Attendance module
Incentives inside the run
Incentive and variable components computed in the same run as basic and allowances, so the payslip matches the bank file and TDS is right the first time. PF, ESI and state-wise professional tax follow each branch’s location.
Payroll moduleAsked first
Questions nbfcs & finance teams ask on the first call
Can we give internal audit read-only access?
Yes. Roles are defined by you, so an audit role can read records, approvals and the change history across the company without being able to edit anything or run payroll. The audit trail itself is exportable, so a sample can be handed over as a file rather than a screen share.
How are collection incentives handled?
Incentives are pay components with their own rules and approval chain. The month’s figures are entered or imported, approved by the checker, and computed in the same run as salary, so tax, PF applicability and the payslip are all consistent. The approval is on the record if a figure is questioned later.
We have branches in four states. Does professional tax follow the branch?
Yes. Professional tax is applied from each employee’s work location, so a branch in Maharashtra deducts by the Maharashtra slab and one in Rajasthan deducts nothing. Holiday calendars and labour welfare fund contributions are also set per state and branch, and reports roll every branch up for head office.
Is the data isolated, and where is it hosted?
Each company has its own database, hosted in India, encrypted in transit with TLS and at rest with AES-256, with daily encrypted backups and tested restores. You can export everything at any time. On Enterprise there is a 99.9% uptime SLA and a named support contact who knows your setup.
Also written for
Every industry and city
See it on your numbers
Thirty minutes, your payroll
Tell us how HR runs today and roughly how many people you have. We show you the same thing your team would use on Monday, and we say so if it does not fit.
- No card, no contract, nothing installed
- A parallel payroll reconciled before you switch
- Free for life up to 15 employees
Or WhatsApp us on +91 82093 73274