HES LoanBox vs Lokta

HES LoanBox6.9Visit Lokta6.9Visit

HES LoanBox #6 in Loan Management Software 6.9/10 Pricing on request ✓ 3 of 3 features Visit HES LoanBox

vs

Lokta #7 in Loan Management Software 6.9/10 From ₹1,000/mo ✓ 3 of 3 features Visit Lokta

• HES LoanBox fits best

  Digital lenders needing origination and collections

• Lokta fits best

  Indian lenders seeking configurable loan operations

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Side by side

Feature	HES LoanBox 6.9/10 Visit ↗	Lokta 6.9/10 Visit ↗
At a glance
Editor score	6.9	6.9
Ranking	#6 in Loan Management Software	#7 in Loan Management Software
Best for	Digital lenders needing origination and collections	Indian lenders seeking configurable loan operations
Pricing model	Paid	Paid
Starting price	Not published	Not published
Free plan	—	—
Free trial	—	—
Deployment	Cloud, Self-hosted	Cloud, Self-hosted
Platforms	Web	Web
Support	Docs	Email, Phone, Docs
Integrations	100+ integrations	8 integrations
Built for	Small business, Mid-market, Enterprise	Mid-market, Enterprise
Features HES LoanBox 3/3 · Lokta 3/3
Payment scheduling	✓	✓
Borrower portal	✓	✓
API access	✓	✓
Specs
Deployment	Both	Both
Interest calculation	Not published	Both
Loan types supported	fixed-term loans; credit lines; personal loans; installment loans; revolving credit; POS finance; BNPL; auto loans; HELOCs; mortgage loans; commercial loans	Personal loans, consumer durable and BNPL, vehicle and EV loans, home loans, loan against property, business/MSME loans, supply-chain and invoice finance
Our review
Pros	Covers onboarding, origination, servicing, disbursements and collections AI-assisted credit scoring and decisioning support lending workflows Open API plus integrations with payment, KYC and credit providers	190-parameter builder supports configurable retail loan products Event-sourced ledger covers servicing, accounting, and audit trails Integrates with NACH, UPI, bureaus, banking, and borrower channels
Cons	No free plan is available Pricing uses a contact-sales, license-based model Configurable workflows may require implementation effort	Free term is limited to eligible NBFCs in an application-only programme Migration and bank-integration fees are separate from the subscription AI agents propose actions within approval and policy controls
Our verdict	HES LoanBox is a modular lending platform from HES FinTech for banks, credit unions, fintechs and other lenders. It brings digital borrower onboarding, KYC, document capture, bank-account verification, configurable origination workflows… Read the review →	Lokta is a loan servicing and management platform for banks, NBFCs, fintech lenders, and lending service providers. It focuses on post-approval operations, including repayment schedules, payments, prepayments, rate resets, restructures,… Read the review →

Strengths and trade-offs

• HES LoanBox — where it wins

  • Covers onboarding, origination, servicing, disbursements and collections
  • AI-assisted credit scoring and decisioning support lending workflows
  • Open API plus integrations with payment, KYC and credit providers

  Where it doesn't

  • No free plan is available
  • Pricing uses a contact-sales, license-based model
  • Configurable workflows may require implementation effort

• Lokta — where it wins

  • 190-parameter builder supports configurable retail loan products
  • Event-sourced ledger covers servicing, accounting, and audit trails
  • Integrates with NACH, UPI, bureaus, banking, and borrower channels

  Where it doesn't

  • Free term is limited to eligible NBFCs in an application-only programme
  • Migration and bank-integration fees are separate from the subscription
  • AI agents propose actions within approval and policy controls

• HES LoanBox6.9/10 · Pricing on request

  A broad loan platform for digital lenders that need origination through collections.

  Visit HES LoanBoxFull verdict →
• Lokta6.9/10 · From ₹1,000/mo

  A configurable platform for servicing, collections, accounting, and controls across loan operations.

  Visit LoktaFull verdict →